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eXp World Holdings, Inc.（EXPI）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eXp World Holdings, Inc.的1.1倍（$1.3B vs $1.2B），Regions Financial Corporation净利率更高（41.7% vs -1.1%，领先42.8%），eXp World Holdings, Inc.同比增速更快（8.5% vs 4.1%），过去两年eXp World Holdings, Inc.的营收复合增速更高（12.4% vs 4.0%）
eXp World Holdings是全球云原生房地产服务提供商，运营eXp Realty经纪网络，依托沉浸式3D虚拟园区支持代理人协作与日常运营，业务覆盖全球20余个国家的住宅及商业地产市场，同时提供按揭贷款、产权保险、从业者职业培训等配套服务。
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。
EXPI 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
EXPI
高出4.4%
4.1%
净利率更高
RF
高出42.8%
-1.1%
两年增速更快
EXPI
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 | $-12.9M | $534.0M |
| 毛利率 | — | — |
| 营业利润率 | -1.1% | 55.3% |
| 净利率 | -1.1% | 41.7% |
| 营收同比 | 8.5% | 4.1% |
| 净利润同比 | -35.7% | 0.0% |
| 每股收益（稀释后） | $-0.08 | $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EXPIRF
| Q4 25 | $1.2B | $1.3B | ||
| Q3 25 | $1.3B | $1.3B | ||
| Q2 25 | $1.3B | $1.3B | ||
| Q1 25 | $954.9M | $1.2B | ||
| Q4 24 | $1.1B | $1.2B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.3B | $1.2B | ||
| Q1 24 | $943.1M | $1.2B |
净利润EXPIRF
| Q4 25 | $-12.9M | $534.0M | ||
| Q3 25 | $3.5M | $569.0M | ||
| Q2 25 | $-2.3M | $563.0M | ||
| Q1 25 | $-11.0M | $490.0M | ||
| Q4 24 | $-9.5M | $534.0M | ||
| Q3 24 | $-8.5M | $490.0M | ||
| Q2 24 | $12.4M | $501.0M | ||
| Q1 24 | $-15.6M | $368.0M |
毛利率EXPIRF
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 99.9% | — | ||
| Q2 24 | 99.9% | — | ||
| Q1 24 | — | — |
营业利润率EXPIRF
| Q4 25 | -1.1% | 55.3% | ||
| Q3 25 | 0.3% | 56.3% | ||
| Q2 25 | -0.2% | 56.1% | ||
| Q1 25 | -1.1% | 52.0% | ||
| Q4 24 | -1.0% | 53.4% | ||
| Q3 24 | -0.7% | 49.9% | ||
| Q2 24 | 1.4% | 52.7% | ||
| Q1 24 | -1.9% | 39.2% |
净利率EXPIRF
| Q4 25 | -1.1% | 41.7% | ||
| Q3 25 | 0.3% | 45.3% | ||
| Q2 25 | -0.2% | 44.7% | ||
| Q1 25 | -1.2% | 41.0% | ||
| Q4 24 | -0.9% | 43.4% | ||
| Q3 24 | -0.7% | 40.2% | ||
| Q2 24 | 1.0% | 42.2% | ||
| Q1 24 | -1.7% | 31.1% |
每股收益（稀释后）EXPIRF
| Q4 25 | $-0.08 | $0.59 | ||
| Q3 25 | $0.02 | $0.61 | ||
| Q2 25 | $-0.01 | $0.59 | ||
| Q1 25 | $-0.07 | $0.51 | ||
| Q4 24 | $-0.06 | $0.55 | ||
| Q3 24 | $-0.06 | $0.49 | ||
| Q2 24 | $0.08 | $0.52 | ||
| Q1 24 | $-0.10 | $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 | $124.2M | — |
| 总债务越低越好 | — | $4.1B |
| 股东权益账面价值 | $242.8M | $19.0B |
| 总资产 | $442.5M | $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EXPIRF
| Q4 25 | $124.2M | — | ||
| Q3 25 | $112.8M | — | ||
| Q2 25 | $94.6M | — | ||
| Q1 25 | $115.7M | — | ||
| Q4 24 | $113.6M | — | ||
| Q3 24 | $130.4M | — | ||
| Q2 24 | $108.4M | — | ||
| Q1 24 | $109.2M | — |
总债务EXPIRF
| 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EXPIRF
| Q4 25 | $242.8M | $19.0B | ||
| Q3 25 | $235.3M | $19.0B | ||
| Q2 25 | $218.4M | $18.7B | ||
| Q1 25 | $212.0M | $18.5B | ||
| Q4 24 | $204.9M | $17.9B | ||
| Q3 24 | $211.1M | $18.7B | ||
| Q2 24 | $220.3M | $17.2B | ||
| Q1 24 | $222.4M | $17.0B |
总资产EXPIRF
| Q4 25 | $442.5M | $158.8B | ||
| Q3 25 | $458.7M | $159.9B | ||
| Q2 25 | $481.2M | $159.2B | ||
| Q1 25 | $435.8M | $159.8B | ||
| Q4 24 | $390.7M | $157.3B | ||
| Q3 24 | $432.6M | $157.4B | ||
| Q2 24 | $457.4M | $154.1B | ||
| Q1 24 | $426.7M | $154.9B |
负债/权益比EXPIRF
| 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 | $13.8M | $-319.0M |
| 自由现金流经营现金流 - 资本支出 | $11.9M | — |
| 自由现金流率自由现金流/营收 | 1.0% | — |
| 资本支出强度资本支出/营收 | 0.2% | — |
| 现金转化率经营现金流/净利润 | — | -0.60× |
| 过去12个月自由现金流最近4个季度 | $109.0M | — |
8季度趋势，按日历期对齐
经营现金流EXPIRF
| Q4 25 | $13.8M | $-319.0M | ||
| Q3 25 | $28.9M | $861.0M | ||
| Q2 25 | $36.1M | $573.0M | ||
| Q1 25 | $39.8M | $1.1B | ||
| Q4 24 | $13.7M | $-220.0M | ||
| Q3 24 | $46.0M | $1.3B | ||
| Q2 24 | $71.1M | $161.0M | ||
| Q1 24 | $60.7M | $396.0M |
自由现金流EXPIRF
| Q4 25 | $11.9M | — | ||
| Q3 25 | $26.6M | — | ||
| Q2 25 | $33.3M | — | ||
| Q1 25 | $37.3M | — | ||
| Q4 24 | $11.6M | — | ||
| Q3 24 | $44.4M | — | ||
| Q2 24 | $69.7M | — | ||
| Q1 24 | $59.3M | — |
自由现金流率EXPIRF
| Q4 25 | 1.0% | — | ||
| Q3 25 | 2.0% | — | ||
| Q2 25 | 2.5% | — | ||
| Q1 25 | 3.9% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 3.6% | — | ||
| Q2 24 | 5.4% | — | ||
| Q1 24 | 6.3% | — |
资本支出强度EXPIRF
| Q4 25 | 0.2% | — | ||
| Q3 25 | 0.2% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.1% | — |
现金转化率EXPIRF
| Q4 25 | — | -0.60× | ||
| Q3 25 | 8.26× | 1.51× | ||
| Q2 25 | — | 1.02× | ||
| Q1 25 | — | 2.18× | ||
| Q4 24 | — | -0.41× | ||
| Q3 24 | — | 2.57× | ||
| Q2 24 | 5.75× | 0.32× | ||
| Q1 24 | — | 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
EXPI
| North American Realty | $1.1B | 96% |
| International Realty | $42.2M | 4% |
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
