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EPAM Systems（EPAM）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
EPAM Systems的季度营收约是Regions Financial Corporation的1.1倍（$1.4B vs $1.3B），Regions Financial Corporation净利率更高（41.7% vs 7.8%，领先33.9%），EPAM Systems同比增速更快（12.8% vs 4.1%），过去两年EPAM Systems的营收复合增速更高（9.9% vs 4.0%）
EPAM Systems是总部位于美国宾夕法尼亚州纽敦的企业，核心业务涵盖软件工程服务、数字平台研发、数字产品设计三大板块，同时是MACH联盟的创始成员，在全球数字化服务赛道拥有深厚的技术积累与行业认可度。
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。
EPAM vs RF — 直观对比
营收规模更大
EPAM
是对方的1.1倍
$1.3B
营收增速更快
EPAM
高出8.6%
4.1%
净利率更高
RF
高出33.9%
7.8%
两年增速更快
EPAM
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.4B | $1.3B |
| 净利润 | $109.4M | $534.0M |
| 毛利率 | 30.1% | — |
| 营业利润率 | 10.6% | 55.3% |
| 净利率 | 7.8% | 41.7% |
| 营收同比 | 12.8% | 4.1% |
| 净利润同比 | 5.9% | 0.0% |
| 每股收益（稀释后） | $1.97 | $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EPAMRF
| Q4 25 | $1.4B | $1.3B | ||
| Q3 25 | $1.4B | $1.3B | ||
| Q2 25 | $1.4B | $1.3B | ||
| Q1 25 | $1.3B | $1.2B | ||
| Q4 24 | $1.2B | $1.2B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.1B | $1.2B | ||
| Q1 24 | $1.2B | $1.2B |
净利润EPAMRF
| Q4 25 | $109.4M | $534.0M | ||
| Q3 25 | $106.8M | $569.0M | ||
| Q2 25 | $88.0M | $563.0M | ||
| Q1 25 | $73.5M | $490.0M | ||
| Q4 24 | $103.3M | $534.0M | ||
| Q3 24 | $136.3M | $490.0M | ||
| Q2 24 | $98.6M | $501.0M | ||
| Q1 24 | $116.2M | $368.0M |
毛利率EPAMRF
| Q4 25 | 30.1% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 28.8% | — | ||
| Q1 25 | 26.9% | — | ||
| Q4 24 | 30.4% | — | ||
| Q3 24 | 34.6% | — | ||
| Q2 24 | 29.3% | — | ||
| Q1 24 | 28.4% | — |
营业利润率EPAMRF
| Q4 25 | 10.6% | 55.3% | ||
| Q3 25 | 10.4% | 56.3% | ||
| Q2 25 | 9.3% | 56.1% | ||
| Q1 25 | 7.6% | 52.0% | ||
| Q4 24 | 10.9% | 53.4% | ||
| Q3 24 | 15.2% | 49.9% | ||
| Q2 24 | 10.5% | 52.7% | ||
| Q1 24 | 9.5% | 39.2% |
净利率EPAMRF
| Q4 25 | 7.8% | 41.7% | ||
| Q3 25 | 7.7% | 45.3% | ||
| Q2 25 | 6.5% | 44.7% | ||
| Q1 25 | 5.6% | 41.0% | ||
| Q4 24 | 8.3% | 43.4% | ||
| Q3 24 | 11.7% | 40.2% | ||
| Q2 24 | 8.6% | 42.2% | ||
| Q1 24 | 10.0% | 31.1% |
每股收益（稀释后）EPAMRF
| Q4 25 | $1.97 | $0.59 | ||
| Q3 25 | $1.91 | $0.61 | ||
| Q2 25 | $1.56 | $0.59 | ||
| Q1 25 | $1.28 | $0.51 | ||
| Q4 24 | $1.80 | $0.55 | ||
| Q3 24 | $2.37 | $0.49 | ||
| Q2 24 | $1.70 | $0.52 | ||
| Q1 24 | $1.97 | $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 | $1.3B | — |
| 总债务越低越好 | — | $4.1B |
| 股东权益账面价值 | $3.7B | $19.0B |
| 总资产 | $4.9B | $158.8B |
| 负债/权益比越低杠杆越低 | — | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资EPAMRF
| Q4 25 | $1.3B | — | ||
| Q3 25 | $1.2B | — | ||
| Q2 25 | $1.0B | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $2.1B | — | ||
| Q2 24 | $1.8B | — | ||
| Q1 24 | $2.0B | — |
总债务EPAMRF
| Q4 25 | — | $4.1B | ||
| Q3 25 | — | $4.8B | ||
| Q2 25 | — | $5.3B | ||
| Q1 25 | — | $6.0B | ||
| Q4 24 | — | $6.0B | ||
| Q3 24 | — | $6.0B | ||
| Q2 24 | — | $5.1B | ||
| Q1 24 | — | $3.3B |
股东权益EPAMRF
| Q4 25 | $3.7B | $19.0B | ||
| Q3 25 | $3.7B | $19.0B | ||
| Q2 25 | $3.7B | $18.7B | ||
| Q1 25 | $3.6B | $18.5B | ||
| Q4 24 | $3.6B | $17.9B | ||
| Q3 24 | $3.6B | $18.7B | ||
| Q2 24 | $3.4B | $17.2B | ||
| Q1 24 | $3.5B | $17.0B |
总资产EPAMRF
| Q4 25 | $4.9B | $158.8B | ||
| Q3 25 | $4.8B | $159.9B | ||
| Q2 25 | $4.7B | $159.2B | ||
| Q1 25 | $4.7B | $159.8B | ||
| Q4 24 | $4.8B | $157.3B | ||
| Q3 24 | $4.5B | $157.4B | ||
| Q2 24 | $4.2B | $154.1B | ||
| Q1 24 | $4.4B | $154.9B |
负债/权益比EPAMRF
| Q4 25 | — | 0.22× | ||
| Q3 25 | — | 0.25× | ||
| Q2 25 | — | 0.28× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 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 | $282.9M | $-319.0M |
| 自由现金流经营现金流 - 资本支出 | $268.1M | — |
| 自由现金流率自由现金流/营收 | 19.0% | — |
| 资本支出强度资本支出/营收 | 1.1% | — |
| 现金转化率经营现金流/净利润 | 2.59× | -0.60× |
| 过去12个月自由现金流最近4个季度 | $612.7M | — |
8季度趋势，按日历期对齐
经营现金流EPAMRF
| Q4 25 | $282.9M | $-319.0M | ||
| Q3 25 | $294.7M | $861.0M | ||
| Q2 25 | $53.2M | $573.0M | ||
| Q1 25 | $24.2M | $1.1B | ||
| Q4 24 | $130.3M | $-220.0M | ||
| Q3 24 | $242.0M | $1.3B | ||
| Q2 24 | $57.0M | $161.0M | ||
| Q1 24 | $129.9M | $396.0M |
自由现金流EPAMRF
| Q4 25 | $268.1M | — | ||
| Q3 25 | $286.4M | — | ||
| Q2 25 | $43.4M | — | ||
| Q1 25 | $14.8M | — | ||
| Q4 24 | $114.5M | — | ||
| Q3 24 | $237.0M | — | ||
| Q2 24 | $52.3M | — | ||
| Q1 24 | $123.2M | — |
自由现金流率EPAMRF
| Q4 25 | 19.0% | — | ||
| Q3 25 | 20.5% | — | ||
| Q2 25 | 3.2% | — | ||
| Q1 25 | 1.1% | — | ||
| Q4 24 | 9.2% | — | ||
| Q3 24 | 20.3% | — | ||
| Q2 24 | 4.6% | — | ||
| Q1 24 | 10.6% | — |
资本支出强度EPAMRF
| Q4 25 | 1.1% | — | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 1.3% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.6% | — |
现金转化率EPAMRF
| Q4 25 | 2.59× | -0.60× | ||
| Q3 25 | 2.76× | 1.51× | ||
| Q2 25 | 0.60× | 1.02× | ||
| Q1 25 | 0.33× | 2.18× | ||
| Q4 24 | 1.26× | -0.41× | ||
| Q3 24 | 1.77× | 2.57× | ||
| Q2 24 | 0.58× | 0.32× | ||
| Q1 24 | 1.12× | 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
EPAM
暂无分部数据
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
