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爱利金融（EFSI）与REGENXBIO Inc.（RGNX）财务数据对比。点击上方公司名可切换其他公司
REGENXBIO Inc.的季度营收约是爱利金融的1.9倍（$30.3M vs $16.4M），REGENXBIO Inc.同比增速更快（43.0% vs 21.3%），爱利金融自由现金流更多（$24.3M vs $-52.8M），过去两年REGENXBIO Inc.的营收复合增速更高（39.4% vs 1.5%）
爱利金融公司是一家注册于特拉华州的美国银行控股公司，总部位于密歇根州底特律市的爱利底特律中心。该公司提供多种金融服务，涵盖汽车金融、直营银行线上银行服务、企业贷款、车辆保险、按揭贷款，以及分期销售、租赁协议等相关融资服务。
REGENXBIO Inc.是一家临床阶段生物技术企业，专注于开发针对罕见及严重遗传疾病的突破性基因疗法。公司拥有专有的腺相关病毒载体技术，既向全球生物制药合作伙伴提供技术授权，也自主推进多疾病领域的基因疗法管线研发。
EFSI vs RGNX — 直观对比
营收规模更大
RGNX
是对方的1.9倍
$16.4M
营收增速更快
RGNX
高出21.7%
21.3%
自由现金流更多
EFSI
多$77.1M
$-52.8M
两年增速更快
RGNX
近两年复合增速
1.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.4M | $30.3M |
| 净利润 | — | $-67.1M |
| 毛利率 | — | — |
| 营业利润率 | 33.6% | -190.0% |
| 净利率 | — | -221.3% |
| 营收同比 | 21.3% | 43.0% |
| 净利润同比 | — | -31.2% |
| 每股收益（稀释后） | $1.10 | $-1.30 |
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EFSIRGNX
| Q4 25 | $16.4M | $30.3M | ||
| Q3 25 | $22.4M | $29.7M | ||
| Q2 25 | $20.6M | $21.4M | ||
| Q1 25 | $4.8M | $89.0M | ||
| Q4 24 | $22.0M | $21.2M | ||
| Q3 24 | $18.4M | $24.2M | ||
| Q2 24 | $16.5M | $22.3M | ||
| Q1 24 | $15.9M | $15.6M |
净利润EFSIRGNX
| Q4 25 | — | $-67.1M | ||
| Q3 25 | $5.6M | $-61.9M | ||
| Q2 25 | $5.3M | $-70.9M | ||
| Q1 25 | $-7.0M | $6.1M | ||
| Q4 24 | — | $-51.2M | ||
| Q3 24 | $3.4M | $-59.6M | ||
| Q2 24 | $3.2M | $-53.0M | ||
| Q1 24 | $2.5M | $-63.3M |
毛利率EFSIRGNX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 70.2% | ||
| Q3 24 | — | 48.8% | ||
| Q2 24 | — | 52.5% | ||
| Q1 24 | — | 72.6% |
营业利润率EFSIRGNX
| Q4 25 | 33.6% | -190.0% | ||
| Q3 25 | 30.9% | -176.3% | ||
| Q2 25 | 31.8% | -296.3% | ||
| Q1 25 | -189.0% | 13.6% | ||
| Q4 24 | 36.8% | -242.1% | ||
| Q3 24 | 21.6% | -256.6% | ||
| Q2 24 | 22.9% | -251.3% | ||
| Q1 24 | 19.1% | -408.8% |
净利率EFSIRGNX
| Q4 25 | — | -221.3% | ||
| Q3 25 | 25.0% | -208.3% | ||
| Q2 25 | 25.6% | -331.8% | ||
| Q1 25 | -145.8% | 6.8% | ||
| Q4 24 | — | -241.3% | ||
| Q3 24 | 18.6% | -246.3% | ||
| Q2 24 | 19.3% | -237.7% | ||
| Q1 24 | 16.0% | -405.4% |
每股收益（稀释后）EFSIRGNX
| Q4 25 | $1.10 | $-1.30 | ||
| Q3 25 | $1.04 | $-1.20 | ||
| Q2 25 | $0.98 | $-1.38 | ||
| Q1 25 | $-1.53 | $0.12 | ||
| Q4 24 | $1.74 | $-0.99 | ||
| Q3 24 | $0.97 | $-1.17 | ||
| Q2 24 | $0.89 | $-1.05 | ||
| Q1 24 | $0.72 | $-1.38 |
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 | — | $230.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $188.8M | $102.7M |
| 总资产 | $1.9B | $453.0M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资EFSIRGNX
| Q4 25 | — | $230.1M | ||
| Q3 25 | — | $274.2M | ||
| Q2 25 | — | $323.3M | ||
| Q1 25 | — | $267.9M | ||
| Q4 24 | — | $234.7M | ||
| Q3 24 | — | $255.5M | ||
| Q2 24 | — | $290.4M | ||
| Q1 24 | — | $338.7M |
股东权益EFSIRGNX
| Q4 25 | $188.8M | $102.7M | ||
| Q3 25 | $185.6M | $161.5M | ||
| Q2 25 | $179.6M | $213.7M | ||
| Q1 25 | $176.5M | $274.2M | ||
| Q4 24 | $119.0M | $259.7M | ||
| Q3 24 | $117.8M | $301.4M | ||
| Q2 24 | $111.1M | $348.3M | ||
| Q1 24 | $107.7M | $390.7M |
总资产EFSIRGNX
| Q4 25 | $1.9B | $453.0M | ||
| Q3 25 | $1.9B | $525.2M | ||
| Q2 25 | $2.0B | $581.0M | ||
| Q1 25 | $1.9B | $490.9M | ||
| Q4 24 | $1.9B | $466.0M | ||
| Q3 24 | $1.9B | $519.1M | ||
| Q2 24 | $1.8B | $569.4M | ||
| Q1 24 | $1.8B | $629.2M |
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 | $25.8M | $-52.3M |
| 自由现金流经营现金流 - 资本支出 | $24.3M | $-52.8M |
| 自由现金流率自由现金流/营收 | 148.6% | -174.0% |
| 资本支出强度资本支出/营收 | 8.6% | 1.7% |
| 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 | $39.7M | $-126.4M |
8季度趋势，按日历期对齐
经营现金流EFSIRGNX
| Q4 25 | $25.8M | $-52.3M | ||
| Q3 25 | $8.2M | $-56.0M | ||
| Q2 25 | $2.6M | $-49.3M | ||
| Q1 25 | $5.8M | $33.6M | ||
| Q4 24 | $18.8M | $-31.6M | ||
| Q3 24 | $7.5M | $-40.5M | ||
| Q2 24 | $-1.8M | $-45.5M | ||
| Q1 24 | $6.8M | $-55.5M |
自由现金流EFSIRGNX
| Q4 25 | $24.3M | $-52.8M | ||
| Q3 25 | $7.8M | $-56.5M | ||
| Q2 25 | $2.3M | $-49.7M | ||
| Q1 25 | $5.3M | $32.6M | ||
| Q4 24 | $17.7M | $-32.7M | ||
| Q3 24 | $7.3M | $-40.9M | ||
| Q2 24 | $-2.2M | $-46.0M | ||
| Q1 24 | $6.7M | $-56.0M |
自由现金流率EFSIRGNX
| Q4 25 | 148.6% | -174.0% | ||
| Q3 25 | 35.0% | -189.9% | ||
| Q2 25 | 11.2% | -232.8% | ||
| Q1 25 | 110.1% | 36.6% | ||
| Q4 24 | 80.6% | -154.2% | ||
| Q3 24 | 39.6% | -168.9% | ||
| Q2 24 | -13.6% | -206.2% | ||
| Q1 24 | 41.9% | -358.5% |
资本支出强度EFSIRGNX
| Q4 25 | 8.6% | 1.7% | ||
| Q3 25 | 1.7% | 1.7% | ||
| Q2 25 | 1.3% | 1.8% | ||
| Q1 25 | 11.2% | 1.2% | ||
| Q4 24 | 4.6% | 5.1% | ||
| Q3 24 | 1.3% | 1.3% | ||
| Q2 24 | 2.6% | 2.1% | ||
| Q1 24 | 0.6% | 3.6% |
现金转化率EFSIRGNX
| Q4 25 | — | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 0.49× | — | ||
| Q1 25 | — | 5.53× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.19× | — | ||
| Q2 24 | -0.57× | — | ||
| Q1 24 | 2.65× | — |
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
EFSI
| Asset Management | $6.0M | 37% |
| Other | $3.8M | 23% |
| Interchange Fees | $3.5M | 22% |
| Overdrawn Account Fees | $1.6M | 10% |
| Brokerage Commissions | $1.4M | 9% |
RGNX
| Novartis Gene Therapies | $24.2M | 80% |
| Nippon Shinyaku Collaboration And License Agreement | $4.3M | 14% |
| Nippon Shinyaku Services | $1.4M | 5% |
