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Finance of America Companies Inc.（FOA）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
Finance of America Companies Inc.的季度营收约是REGIS CORP的1.3倍（$73.5M vs $57.1M），REGIS CORP净利率更高（0.8% vs -14.1%，领先14.9%），Finance of America Companies Inc.同比增速更快（248.7% vs 22.3%），过去两年REGIS CORP的营收复合增速更高（7.8% vs -0.8%）
洛克特公司是一家美国金融科技与住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。依托核心子公司Rocket Mortgage，该公司已是美国规模最大的抵押贷款机构之一，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
瑞吉斯公司是一家美国美发沙龙运营商，总部位于明尼苏达州明尼阿波利斯市。截至2021年8月，该集团旗下拥有5563家加盟沙龙以及276家直营门店，是北美地区规模领先的美发沙龙连锁经营企业。
FOA vs RGS — 直观对比
营收规模更大
FOA
是对方的1.3倍
$57.1M
营收增速更快
FOA
高出226.5%
22.3%
净利率更高
RGS
高出14.9%
-14.1%
两年增速更快
RGS
近两年复合增速
-0.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $73.5M | $57.1M |
| 净利润 | $-10.4M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | -29.9% | 10.8% |
| 净利率 | -14.1% | 0.8% |
| 营收同比 | 248.7% | 22.3% |
| 净利润同比 | 82.4% | -94.0% |
| 每股收益（稀释后） | $0.45 | $0.16 |
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FOARGS
| Q4 25 | $73.5M | $57.1M | ||
| Q3 25 | $80.8M | $59.0M | ||
| Q2 25 | $177.4M | $60.4M | ||
| Q1 25 | $165.7M | $57.0M | ||
| Q4 24 | $-49.4M | $46.7M | ||
| Q3 24 | $290.1M | $46.1M | ||
| Q2 24 | $79.0M | $49.4M | ||
| Q1 24 | $74.7M | $49.2M |
净利润FOARGS
| Q4 25 | $-10.4M | $456.0K | ||
| Q3 25 | $-9.5M | $1.4M | ||
| Q2 25 | $34.9M | $116.5M | ||
| Q1 25 | $30.2M | $250.0K | ||
| Q4 24 | $-59.1M | $7.6M | ||
| Q3 24 | $84.2M | $-853.0K | ||
| Q2 24 | $-2.1M | $91.2M | ||
| Q1 24 | $-7.5M | $-2.3M |
营业利润率FOARGS
| Q4 25 | -29.9% | 10.8% | ||
| Q3 25 | -35.3% | 10.0% | ||
| Q2 25 | 46.2% | 12.1% | ||
| Q1 25 | 49.3% | 8.8% | ||
| Q4 24 | 295.0% | 11.8% | ||
| Q3 24 | 71.8% | 4.6% | ||
| Q2 24 | -4.8% | — | ||
| Q1 24 | -21.1% | 8.3% |
净利率FOARGS
| Q4 25 | -14.1% | 0.8% | ||
| Q3 25 | -11.8% | 2.3% | ||
| Q2 25 | 19.7% | 192.9% | ||
| Q1 25 | 18.2% | 0.4% | ||
| Q4 24 | 119.5% | 16.4% | ||
| Q3 24 | 29.0% | -1.9% | ||
| Q2 24 | -2.6% | 184.7% | ||
| Q1 24 | -10.1% | -4.7% |
每股收益（稀释后）FOARGS
| Q4 25 | $0.45 | $0.16 | ||
| Q3 25 | $-1.27 | $0.49 | ||
| Q2 25 | $2.13 | $43.67 | ||
| Q1 25 | $2.43 | $0.08 | ||
| Q4 24 | $-5.24 | $2.71 | ||
| Q3 24 | $7.50 | $-0.36 | ||
| Q2 24 | $-0.30 | $38.40 | ||
| Q1 24 | $-0.78 | $-1.00 |
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 | $89.5M | $18.4M |
| 总债务越低越好 | $357.5M | $113.3M |
| 股东权益账面价值 | $395.6M | $188.7M |
| 总资产 | $30.7B | $588.3M |
| 负债/权益比越低杠杆越低 | 0.90× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资FOARGS
| Q4 25 | $89.5M | $18.4M | ||
| Q3 25 | $109.8M | $16.6M | ||
| Q2 25 | $46.5M | $17.0M | ||
| Q1 25 | $52.0M | $13.3M | ||
| Q4 24 | $47.4M | $10.2M | ||
| Q3 24 | $44.3M | $6.3M | ||
| Q2 24 | $46.5M | $10.1M | ||
| Q1 24 | $48.2M | $5.9M |
总债务FOARGS
| Q4 25 | $357.5M | $113.3M | ||
| Q3 25 | $390.0M | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | $374.5M | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
股东权益FOARGS
| Q4 25 | $395.6M | $188.7M | ||
| Q3 25 | $365.8M | $187.6M | ||
| Q2 25 | $473.4M | $185.6M | ||
| Q1 25 | $394.9M | $68.6M | ||
| Q4 24 | $315.7M | $66.7M | ||
| Q3 24 | $456.5M | $56.4M | ||
| Q2 24 | $251.3M | $56.8M | ||
| Q1 24 | $255.7M | $-35.8M |
总资产FOARGS
| Q4 25 | $30.7B | $588.3M | ||
| Q3 25 | $30.7B | $592.1M | ||
| Q2 25 | $30.1B | $599.0M | ||
| Q1 25 | $29.7B | $511.2M | ||
| Q4 24 | $29.2B | $530.1M | ||
| Q3 24 | $29.0B | $508.9M | ||
| Q2 24 | $28.0B | $530.5M | ||
| Q1 24 | $27.7B | $543.7M |
负债/权益比FOARGS
| Q4 25 | 0.90× | 0.60× | ||
| Q3 25 | 1.07× | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | 1.19× | 1.67× | ||
| Q3 24 | — | 1.69× | ||
| Q2 24 | — | 1.75× | ||
| Q1 24 | — | — |
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 | $-429.7M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | — | $891.0K |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 现金转化率经营现金流/净利润 | — | 3.65× |
| 过去12个月自由现金流最近4个季度 | — | $14.9M |
8季度趋势，按日历期对齐
经营现金流FOARGS
| Q4 25 | $-429.7M | $1.7M | ||
| Q3 25 | $-149.7M | $2.3M | ||
| Q2 25 | $-96.5M | $6.8M | ||
| Q1 25 | $-92.1M | $6.2M | ||
| Q4 24 | $-423.8M | $2.1M | ||
| Q3 24 | $-81.4M | $-1.3M | ||
| Q2 24 | $-104.0M | $5.1M | ||
| Q1 24 | $-132.2M | $-277.0K |
自由现金流FOARGS
| Q4 25 | — | $891.0K | ||
| Q3 25 | — | $1.9M | ||
| Q2 25 | — | $6.2M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $1.7M | ||
| Q3 24 | — | $-1.4M | ||
| Q2 24 | — | $5.1M | ||
| Q1 24 | $-132.7M | $-326.0K |
自由现金流率FOARGS
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 10.3% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | -3.0% | ||
| Q2 24 | — | 10.3% | ||
| Q1 24 | -177.7% | -0.7% |
资本支出强度FOARGS
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | 0.6% | 0.1% |
现金转化率FOARGS
| Q4 25 | — | 3.65× | ||
| Q3 25 | — | 1.68× | ||
| Q2 25 | -2.76× | 0.06× | ||
| Q1 25 | -3.05× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | -0.97× | — | ||
| Q2 24 | — | 0.06× | ||
| Q1 24 | — | — |
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
FOA
| Segment Continuing Operations | $70.8M | 96% |
| Other | $2.7M | 4% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
