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Dream Finders Homes, Inc.（DFH）与Regions Financial Corporation（RF）财务数据对比。点击上方公司名可切换其他公司
Regions Financial Corporation的季度营收约是Dream Finders Homes, Inc.的1.1倍（$1.3B vs $1.2B），Regions Financial Corporation净利率更高（41.7% vs 4.8%，领先36.8%），Regions Financial Corporation同比增速更快（4.1% vs -22.3%），过去两年Dream Finders Homes, Inc.的营收复合增速更高（21.0% vs 4.0%）
美国住宅建筑商Dream Finders Homes主要建造并销售独栋住宅、联排别墅等覆盖入门级到高端档次的居住物业，业务布局美国多个高速增长区域，同时为购房者提供按揭融资、产权保险、房屋保修等配套服务，覆盖各类客户群体。
Regions Financial Corporation是美国银行控股企业，总部位于阿拉巴马州伯明翰市。公司提供零售及商业银行、信托、股票经纪、抵押贷款等服务，旗下银行业务子公司Regions Bank在美国南部和中西部15个州运营约1300家营业网点和2000台自动柜员机，服务大量当地个人及企业客户。
DFH vs RF — 直观对比
营收规模更大
RF
是对方的1.1倍
$1.2B
营收增速更快
RF
高出26.4%
-22.3%
净利率更高
RF
高出36.8%
4.8%
两年增速更快
DFH
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.2B | $1.3B |
| 净利润 | $58.8M | $534.0M |
| 毛利率 | — | — |
| 营业利润率 | 6.4% | 55.3% |
| 净利率 | 4.8% | 41.7% |
| 营收同比 | -22.3% | 4.1% |
| 净利润同比 | -54.9% | 0.0% |
| 每股收益（稀释后） | $0.57 | $0.59 |
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DFHRF
| Q4 25 | $1.2B | $1.3B | ||
| Q3 25 | $969.8M | $1.3B | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $989.9M | $1.2B | ||
| Q4 24 | $1.6B | $1.2B | ||
| Q3 24 | $1.0B | $1.2B | ||
| Q2 24 | $1.1B | $1.2B | ||
| Q1 24 | $827.8M | $1.2B |
净利润DFHRF
| Q4 25 | $58.8M | $534.0M | ||
| Q3 25 | $47.0M | $569.0M | ||
| Q2 25 | $56.6M | $563.0M | ||
| Q1 25 | $54.9M | $490.0M | ||
| Q4 24 | $130.5M | $534.0M | ||
| Q3 24 | $70.7M | $490.0M | ||
| Q2 24 | $80.9M | $501.0M | ||
| Q1 24 | $54.5M | $368.0M |
毛利率DFHRF
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 19.2% | — | ||
| Q1 24 | 18.0% | — |
营业利润率DFHRF
| Q4 25 | 6.4% | 55.3% | ||
| Q3 25 | 6.3% | 56.3% | ||
| Q2 25 | 6.4% | 56.1% | ||
| Q1 25 | 7.2% | 52.0% | ||
| Q4 24 | 10.8% | 53.4% | ||
| Q3 24 | 9.2% | 49.9% | ||
| Q2 24 | 10.0% | 52.7% | ||
| Q1 24 | 8.6% | 39.2% |
净利率DFHRF
| Q4 25 | 4.8% | 41.7% | ||
| Q3 25 | 4.8% | 45.3% | ||
| Q2 25 | 4.9% | 44.7% | ||
| Q1 25 | 5.5% | 41.0% | ||
| Q4 24 | 8.4% | 43.4% | ||
| Q3 24 | 7.0% | 40.2% | ||
| Q2 24 | 7.7% | 42.2% | ||
| Q1 24 | 6.6% | 31.1% |
每股收益（稀释后）DFHRF
| Q4 25 | $0.57 | $0.59 | ||
| Q3 25 | $0.47 | $0.61 | ||
| Q2 25 | $0.56 | $0.59 | ||
| Q1 25 | $0.54 | $0.51 | ||
| Q4 24 | $1.28 | $0.55 | ||
| Q3 24 | $0.70 | $0.49 | ||
| Q2 24 | $0.81 | $0.52 | ||
| Q1 24 | $0.55 | $0.37 |
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 | $234.8M | — |
| 总债务越低越好 | $1.6B | $4.1B |
| 股东权益账面价值 | $1.4B | $19.0B |
| 总资产 | $3.7B | $158.8B |
| 负债/权益比越低杠杆越低 | 1.13× | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资DFHRF
| Q4 25 | $234.8M | — | ||
| Q3 25 | $251.0M | — | ||
| Q2 25 | $210.3M | — | ||
| Q1 25 | $297.5M | — | ||
| Q4 24 | $274.4M | — | ||
| Q3 24 | $204.9M | — | ||
| Q2 24 | $274.8M | — | ||
| Q1 24 | $239.4M | — |
总债务DFHRF
| Q4 25 | $1.6B | $4.1B | ||
| Q3 25 | $1.8B | $4.8B | ||
| Q2 25 | — | $5.3B | ||
| Q1 25 | — | $6.0B | ||
| Q4 24 | $1.3B | $6.0B | ||
| Q3 24 | — | $6.0B | ||
| Q2 24 | — | $5.1B | ||
| Q1 24 | — | $3.3B |
股东权益DFHRF
| Q4 25 | $1.4B | $19.0B | ||
| Q3 25 | $1.4B | $19.0B | ||
| Q2 25 | $1.3B | $18.7B | ||
| Q1 25 | $1.3B | $18.5B | ||
| Q4 24 | $1.2B | $17.9B | ||
| Q3 24 | $1.1B | $18.7B | ||
| Q2 24 | $1.0B | $17.2B | ||
| Q1 24 | $968.7M | $17.0B |
总资产DFHRF
| Q4 25 | $3.7B | $158.8B | ||
| Q3 25 | $3.8B | $159.9B | ||
| Q2 25 | $3.7B | $159.2B | ||
| Q1 25 | $3.5B | $159.8B | ||
| Q4 24 | $3.3B | $157.3B | ||
| Q3 24 | $3.3B | $157.4B | ||
| Q2 24 | $3.0B | $154.1B | ||
| Q1 24 | $2.7B | $154.9B |
负债/权益比DFHRF
| Q4 25 | 1.13× | 0.22× | ||
| Q3 25 | 1.29× | 0.25× | ||
| Q2 25 | — | 0.28× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | 1.03× | 0.34× | ||
| Q3 24 | — | 0.32× | ||
| Q2 24 | — | 0.30× | ||
| Q1 24 | — | 0.20× |
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 | $143.6M | $-319.0M |
| 自由现金流经营现金流 - 资本支出 | $136.0M | — |
| 自由现金流率自由现金流/营收 | 11.2% | — |
| 资本支出强度资本支出/营收 | 0.6% | — |
| 现金转化率经营现金流/净利润 | 2.44× | -0.60× |
| 过去12个月自由现金流最近4个季度 | $-126.4M | — |
8季度趋势，按日历期对齐
经营现金流DFHRF
| Q4 25 | $143.6M | $-319.0M | ||
| Q3 25 | $-131.0M | $861.0M | ||
| Q2 25 | $-68.5M | $573.0M | ||
| Q1 25 | $-44.7M | $1.1B | ||
| Q4 24 | $306.5M | $-220.0M | ||
| Q3 24 | $-205.0M | $1.3B | ||
| Q2 24 | $-110.6M | $161.0M | ||
| Q1 24 | $-247.5M | $396.0M |
自由现金流DFHRF
| Q4 25 | $136.0M | — | ||
| Q3 25 | $-135.7M | — | ||
| Q2 25 | $-78.8M | — | ||
| Q1 25 | $-47.9M | — | ||
| Q4 24 | $302.6M | — | ||
| Q3 24 | $-222.5M | — | ||
| Q2 24 | $-112.4M | — | ||
| Q1 24 | $-249.6M | — |
自由现金流率DFHRF
| Q4 25 | 11.2% | — | ||
| Q3 25 | -14.0% | — | ||
| Q2 25 | -6.8% | — | ||
| Q1 25 | -4.8% | — | ||
| Q4 24 | 19.4% | — | ||
| Q3 24 | -22.1% | — | ||
| Q2 24 | -10.6% | — | ||
| Q1 24 | -30.2% | — |
资本支出强度DFHRF
| Q4 25 | 0.6% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 0.9% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 1.7% | — | ||
| Q2 24 | 0.2% | — | ||
| Q1 24 | 0.3% | — |
现金转化率DFHRF
| Q4 25 | 2.44× | -0.60× | ||
| Q3 25 | -2.79× | 1.51× | ||
| Q2 25 | -1.21× | 1.02× | ||
| Q1 25 | -0.81× | 2.18× | ||
| Q4 24 | 2.35× | -0.41× | ||
| Q3 24 | -2.90× | 2.57× | ||
| Q2 24 | -1.37× | 0.32× | ||
| Q1 24 | -4.54× | 1.08× |
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
DFH
| Midwest Segment | $454.2M | 37% |
| Southeast Segment | $397.5M | 33% |
| Mid Atlantic Segment | $307.3M | 25% |
| Financial Services Segment | $53.7M | 4% |
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
