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NCR Atleos Corp（NATL）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NCR Atleos Corp的1.1倍（$1.3B vs $1.2B），Regions Financial Corporation净利率更高（41.7% vs 7.2%，领先34.5%），Regions Financial Corporation同比增速更快（4.1% vs 4.0%），过去两年NCR Atleos Corp的营收复合增速更高（4.9% vs 4.0%）
NCR Atleos Corp 前身为NCR公司（National Cash Register），是全球知名的软件、咨询与技术企业，提供多元专业服务与电子产品，业务覆盖自助服务 kiosk、销售点终端、自动柜员机、支票处理系统、条码扫描器等商用软硬件的研发与生产，服务全球各行业客户的数字化运营需求。
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。
NATL 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0.2%
4.0%
净利率更高
RF
高出34.5%
7.2%
两年增速更快
NATL
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 | $83.0M | $534.0M |
| 毛利率 | — | — |
| 营业利润率 | 13.5% | 55.3% |
| 净利率 | 7.2% | 41.7% |
| 营收同比 | 4.0% | 4.1% |
| 净利润同比 | 102.4% | 0.0% |
| 每股收益（稀释后） | $1.09 | $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NATLRF
| Q4 25 | $1.2B | $1.3B | ||
| Q3 25 | $1.1B | $1.3B | ||
| Q2 25 | $1.1B | $1.3B | ||
| Q1 25 | $979.0M | $1.2B | ||
| Q4 24 | $1.1B | $1.2B | ||
| Q3 24 | $1.1B | $1.2B | ||
| Q2 24 | $1.1B | $1.2B | ||
| Q1 24 | $1.0B | $1.2B |
净利润NATLRF
| Q4 25 | $83.0M | $534.0M | ||
| Q3 25 | $26.0M | $569.0M | ||
| Q2 25 | $39.0M | $563.0M | ||
| Q1 25 | $14.0M | $490.0M | ||
| Q4 24 | $41.0M | $534.0M | ||
| Q3 24 | $21.0M | $490.0M | ||
| Q2 24 | $27.0M | $501.0M | ||
| Q1 24 | $-9.0M | $368.0M |
营业利润率NATLRF
| Q4 25 | 13.5% | 55.3% | ||
| Q3 25 | 9.8% | 56.3% | ||
| Q2 25 | 10.8% | 56.1% | ||
| Q1 25 | 9.5% | 52.0% | ||
| Q4 24 | 13.4% | 53.4% | ||
| Q3 24 | 10.6% | 49.9% | ||
| Q2 24 | 9.8% | 52.7% | ||
| Q1 24 | 6.5% | 39.2% |
净利率NATLRF
| Q4 25 | 7.2% | 41.7% | ||
| Q3 25 | 2.3% | 45.3% | ||
| Q2 25 | 3.5% | 44.7% | ||
| Q1 25 | 1.4% | 41.0% | ||
| Q4 24 | 3.7% | 43.4% | ||
| Q3 24 | 2.0% | 40.2% | ||
| Q2 24 | 2.5% | 42.2% | ||
| Q1 24 | -0.9% | 31.1% |
每股收益（稀释后）NATLRF
| Q4 25 | $1.09 | $0.59 | ||
| Q3 25 | $0.34 | $0.61 | ||
| Q2 25 | $0.52 | $0.59 | ||
| Q1 25 | $0.19 | $0.51 | ||
| Q4 24 | $0.56 | $0.55 | ||
| Q3 24 | $0.28 | $0.49 | ||
| Q2 24 | $0.37 | $0.52 | ||
| Q1 24 | $-0.13 | $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 | $456.0M | — |
| 总债务越低越好 | $2.7B | $4.1B |
| 股东权益账面价值 | $403.0M | $19.0B |
| 总资产 | $5.7B | $158.8B |
| 负债/权益比越低杠杆越低 | 6.63× | 0.22× |
8季度趋势，按日历期对齐
现金及短期投资NATLRF
| Q4 25 | $456.0M | — | ||
| Q3 25 | $412.0M | — | ||
| Q2 25 | $357.0M | — | ||
| Q1 25 | $352.0M | — | ||
| Q4 24 | $419.0M | — | ||
| Q3 24 | $395.0M | — | ||
| Q2 24 | $374.0M | — | ||
| Q1 24 | $343.0M | — |
总债务NATLRF
| Q4 25 | $2.7B | $4.1B | ||
| Q3 25 | $2.8B | $4.8B | ||
| Q2 25 | $2.8B | $5.3B | ||
| Q1 25 | — | $6.0B | ||
| Q4 24 | $2.9B | $6.0B | ||
| Q3 24 | — | $6.0B | ||
| Q2 24 | — | $5.1B | ||
| Q1 24 | — | $3.3B |
股东权益NATLRF
| Q4 25 | $403.0M | $19.0B | ||
| Q3 25 | $330.0M | $19.0B | ||
| Q2 25 | $350.0M | $18.7B | ||
| Q1 25 | $275.0M | $18.5B | ||
| Q4 24 | $219.0M | $17.9B | ||
| Q3 24 | $264.0M | $18.7B | ||
| Q2 24 | $250.0M | $17.2B | ||
| Q1 24 | $283.0M | $17.0B |
总资产NATLRF
| Q4 25 | $5.7B | $158.8B | ||
| Q3 25 | $5.7B | $159.9B | ||
| Q2 25 | $5.8B | $159.2B | ||
| Q1 25 | $5.7B | $159.8B | ||
| Q4 24 | $5.5B | $157.3B | ||
| Q3 24 | $5.7B | $157.4B | ||
| Q2 24 | $5.8B | $154.1B | ||
| Q1 24 | $5.8B | $154.9B |
负债/权益比NATLRF
| Q4 25 | 6.63× | 0.22× | ||
| Q3 25 | 8.45× | 0.25× | ||
| Q2 25 | 8.05× | 0.28× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | 13.05× | 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 | $231.0M | $-319.0M |
| 自由现金流经营现金流 - 资本支出 | $194.0M | — |
| 自由现金流率自由现金流/营收 | 16.8% | — |
| 资本支出强度资本支出/营收 | 3.2% | — |
| 现金转化率经营现金流/净利润 | 2.78× | -0.60× |
| 过去12个月自由现金流最近4个季度 | $239.0M | — |
8季度趋势，按日历期对齐
经营现金流NATLRF
| Q4 25 | $231.0M | $-319.0M | ||
| Q3 25 | $25.0M | $861.0M | ||
| Q2 25 | $-23.0M | $573.0M | ||
| Q1 25 | $123.0M | $1.1B | ||
| Q4 24 | $80.0M | $-220.0M | ||
| Q3 24 | $107.0M | $1.3B | ||
| Q2 24 | $9.0M | $161.0M | ||
| Q1 24 | $148.0M | $396.0M |
自由现金流NATLRF
| Q4 25 | $194.0M | — | ||
| Q3 25 | $-5.0M | — | ||
| Q2 25 | $-44.0M | — | ||
| Q1 25 | $94.0M | — | ||
| Q4 24 | $62.0M | — | ||
| Q3 24 | $85.0M | — | ||
| Q2 24 | $-14.0M | — | ||
| Q1 24 | $124.0M | — |
自由现金流率NATLRF
| Q4 25 | 16.8% | — | ||
| Q3 25 | -0.4% | — | ||
| Q2 25 | -4.0% | — | ||
| Q1 25 | 9.6% | — | ||
| Q4 24 | 5.6% | — | ||
| Q3 24 | 7.9% | — | ||
| Q2 24 | -1.3% | — | ||
| Q1 24 | 11.9% | — |
资本支出强度NATLRF
| Q4 25 | 3.2% | — | ||
| Q3 25 | 2.7% | — | ||
| Q2 25 | 1.9% | — | ||
| Q1 25 | 3.0% | — | ||
| Q4 24 | 1.6% | — | ||
| Q3 24 | 2.1% | — | ||
| Q2 24 | 2.1% | — | ||
| Q1 24 | 2.3% | — |
现金转化率NATLRF
| Q4 25 | 2.78× | -0.60× | ||
| Q3 25 | 0.96× | 1.51× | ||
| Q2 25 | -0.59× | 1.02× | ||
| Q1 25 | 8.79× | 2.18× | ||
| Q4 24 | 1.95× | -0.41× | ||
| Q3 24 | 5.10× | 2.57× | ||
| Q2 24 | 0.33× | 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
NATL
| Services | $848.0M | 74% |
| APJ | $136.0M | 12% |
| Americas Excluding United States | $135.0M | 12% |
| TT | $44.0M | 4% |
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
