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Dayforce（DAY）与RENASANT CORP（RNST）财务数据对比。点击上方公司名可切换其他公司
Dayforce的季度营收约是RENASANT CORP的1.8倍（$481.6M vs $273.8M），RENASANT CORP净利率更高（32.2% vs -40.9%，领先73.1%），过去两年RENASANT CORP的营收复合增速更高（29.3% vs 9.8%）
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
瑞耐桑特银行是美国密西西比州图珀洛的区域商业金融机构，母公司为瑞耐桑特公司，在阿拉巴马、佛罗里达、佐治亚、密西西比、路易斯安那、田纳西、北卡罗来纳、南卡罗来纳八州拥有280多家分支机构，旗下还运营内容平台“瑞耐桑特国度”，发布博客及节目内容。
DAY vs RNST — 直观对比
营收规模更大
DAY
是对方的1.8倍
$273.8M
净利率更高
RNST
高出73.1%
-40.9%
两年增速更快
RNST
近两年复合增速
9.8%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $273.8M |
| 净利润 | $-196.8M | $88.2M |
| 毛利率 | — | — |
| 营业利润率 | 6.3% | — |
| 净利率 | -40.9% | 32.2% |
| 营收同比 | 9.5% | — |
| 净利润同比 | -9940.0% | 112.5% |
| 每股收益（稀释后） | $-1.23 | $0.94 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收DAYRNST
| Q1 26 | — | $273.8M | ||
| Q4 25 | — | $278.4M | ||
| Q3 25 | $481.6M | $269.5M | ||
| Q2 25 | $464.7M | $267.2M | ||
| Q1 25 | $481.8M | $170.7M | ||
| Q4 24 | $465.2M | $167.1M | ||
| Q3 24 | $440.0M | $220.3M | ||
| Q2 24 | $423.3M | $163.8M |
净利润DAYRNST
| Q1 26 | — | $88.2M | ||
| Q4 25 | — | $78.9M | ||
| Q3 25 | $-196.8M | $59.8M | ||
| Q2 25 | $21.3M | $1.0M | ||
| Q1 25 | $14.9M | $41.5M | ||
| Q4 24 | $10.8M | $44.7M | ||
| Q3 24 | $2.0M | $72.5M | ||
| Q2 24 | $-1.8M | $38.8M |
毛利率DAYRNST
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 47.0% | — | ||
| Q3 24 | 45.8% | — | ||
| Q2 24 | 44.1% | — |
营业利润率DAYRNST
| Q1 26 | — | — | ||
| Q4 25 | — | 34.8% | ||
| Q3 25 | 6.3% | 27.9% | ||
| Q2 25 | 9.1% | 1.0% | ||
| Q1 25 | 6.4% | 30.4% | ||
| Q4 24 | 6.1% | 29.8% | ||
| Q3 24 | 4.7% | 44.2% | ||
| Q2 24 | 3.3% | 29.6% |
净利率DAYRNST
| Q1 26 | — | 32.2% | ||
| Q4 25 | — | 28.4% | ||
| Q3 25 | -40.9% | 22.2% | ||
| Q2 25 | 4.6% | 0.4% | ||
| Q1 25 | 3.1% | 24.3% | ||
| Q4 24 | 2.3% | 26.8% | ||
| Q3 24 | 0.5% | 32.9% | ||
| Q2 24 | -0.4% | 23.7% |
每股收益（稀释后）DAYRNST
| Q1 26 | — | $0.94 | ||
| Q4 25 | — | $0.78 | ||
| Q3 25 | $-1.23 | $0.63 | ||
| Q2 25 | $0.13 | $0.01 | ||
| Q1 25 | $0.09 | $0.65 | ||
| Q4 24 | $0.07 | $0.70 | ||
| Q3 24 | $0.01 | $1.18 | ||
| Q2 24 | $-0.01 | $0.69 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $627.6M | $1.2B |
| 总债务越低越好 | $631.1M | $806.2M |
| 股东权益账面价值 | $2.7B | $3.9B |
| 总资产 | $8.7B | $27.1B |
| 负债/权益比越低杠杆越低 | 0.23× | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资DAYRNST
| Q1 26 | — | $1.2B | ||
| Q4 25 | — | $1.1B | ||
| Q3 25 | $627.6M | $1.1B | ||
| Q2 25 | $625.2M | $1.4B | ||
| Q1 25 | $557.3M | $1.1B | ||
| Q4 24 | $579.7M | $1.1B | ||
| Q3 24 | $494.1M | $1.3B | ||
| Q2 24 | $465.4M | $851.9M |
总债务DAYRNST
| Q1 26 | — | $806.2M | ||
| Q4 25 | — | $499.8M | ||
| Q3 25 | $631.1M | $558.9M | ||
| Q2 25 | $631.8M | $557.0M | ||
| Q1 25 | $632.4M | $433.3M | ||
| Q4 24 | $1.2B | $430.6M | ||
| Q3 24 | $1.2B | $433.2M | ||
| Q2 24 | $1.2B | $428.7M |
股东权益DAYRNST
| Q1 26 | — | $3.9B | ||
| Q4 25 | — | $3.9B | ||
| Q3 25 | $2.7B | $3.8B | ||
| Q2 25 | $2.7B | $3.8B | ||
| Q1 25 | $2.6B | $2.7B | ||
| Q4 24 | $2.5B | $2.7B | ||
| Q3 24 | $2.6B | $2.7B | ||
| Q2 24 | $2.5B | $2.4B |
总资产DAYRNST
| Q1 26 | — | $27.1B | ||
| Q4 25 | — | $26.8B | ||
| Q3 25 | $8.7B | $26.7B | ||
| Q2 25 | $8.5B | $26.6B | ||
| Q1 25 | $9.5B | $18.3B | ||
| Q4 24 | $9.1B | $18.0B | ||
| Q3 24 | $8.1B | $18.0B | ||
| Q2 24 | $9.0B | $17.5B |
负债/权益比DAYRNST
| Q1 26 | — | 0.21× | ||
| Q4 25 | — | 0.13× | ||
| Q3 25 | 0.23× | 0.15× | ||
| Q2 25 | 0.23× | 0.15× | ||
| Q1 25 | 0.24× | 0.16× | ||
| Q4 24 | 0.47× | 0.16× | ||
| Q3 24 | 0.47× | 0.16× | ||
| Q2 24 | 0.49× | 0.18× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $31.2M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流DAYRNST
| Q1 26 | — | — | ||
| Q4 25 | — | $271.5M | ||
| Q3 25 | $31.2M | $135.5M | ||
| Q2 25 | $112.7M | $-77.3M | ||
| Q1 25 | $49.6M | $106.2M | ||
| Q4 24 | $81.0M | $106.4M | ||
| Q3 24 | $91.8M | $-1.7M | ||
| Q2 24 | $99.2M | $-49.1M |
自由现金流DAYRNST
| Q1 26 | — | — | ||
| Q4 25 | — | $237.8M | ||
| Q3 25 | — | $120.1M | ||
| Q2 25 | — | $-87.5M | ||
| Q1 25 | — | $101.3M | ||
| Q4 24 | — | $92.8M | ||
| Q3 24 | — | $-5.3M | ||
| Q2 24 | — | $-52.6M |
自由现金流率DAYRNST
| Q1 26 | — | — | ||
| Q4 25 | — | 85.4% | ||
| Q3 25 | — | 44.6% | ||
| Q2 25 | — | -32.7% | ||
| Q1 25 | — | 59.4% | ||
| Q4 24 | — | 55.5% | ||
| Q3 24 | — | -2.4% | ||
| Q2 24 | — | -32.1% |
资本支出强度DAYRNST
| Q1 26 | — | — | ||
| Q4 25 | — | 12.1% | ||
| Q3 25 | — | 5.7% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | 2.8% | ||
| Q4 24 | — | 8.2% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 2.1% |
现金转化率DAYRNST
| Q1 26 | — | — | ||
| Q4 25 | — | 3.44× | ||
| Q3 25 | — | 2.27× | ||
| Q2 25 | 5.29× | -75.92× | ||
| Q1 25 | 3.33× | 2.56× | ||
| Q4 24 | 7.50× | 2.38× | ||
| Q3 24 | 45.90× | -0.02× | ||
| Q2 24 | — | -1.26× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
RNST
| Net Interest Income | $223.6M | 82% |
| Noninterest Income | $50.3M | 18% |
