vs
OneMain Holdings, Inc.（OMF）与Regional Management Corp.（RM）财务数据对比。点击上方公司名可切换其他公司
OneMain Holdings, Inc.的季度营收约是Regional Management Corp.的6.4倍（$1.1B vs $169.7M）。OneMain Holdings, Inc.净利率更高（18.7% vs 7.6%，领先11.1%）。Regional Management Corp.同比增速更快（9.6% vs 8.3%）。过去两年OneMain Holdings, Inc.的营收复合增速更高（10.4% vs 8.4%）
OneMain Holdings, Inc.是一家美国金融服务控股企业，总部位于印第安纳州埃文斯维尔，在全美多地设有核心办事机构。公司全资持有OneMain金融公司及其子公司，以OneMain Financial为品牌经营消费金融与保险业务，主要面向难以从银行等传统贷款机构获得服务的客户提供个人贷款及可选保险产品。
千禧管理有限责任公司是一家提供多策略对冲基金服务的投资管理机构，也是全球规模最大的另类资产管理机构之一，截至2026年1月，其管理资产规模达834亿美元，业务覆盖美洲、欧洲与亚洲。自1989年成立以来，截至2022年，该机构累计净收益在全球对冲基金中排名第四。
OMF vs RM — 直观对比
营收规模更大
OMF
是对方的6.4倍
$169.7M
营收增速更快
RM
高出1.3%
8.3%
净利率更高
OMF
高出11.1%
7.6%
两年增速更快
OMF
近两年复合增速
8.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $169.7M |
| 净利润 | $204.0M | $12.9M |
| 毛利率 | — | — |
| 营业利润率 | 22.8% | 9.5% |
| 净利率 | 18.7% | 7.6% |
| 营收同比 | 8.3% | 9.6% |
| 净利润同比 | 61.9% | 30.2% |
| 每股收益（稀释后） | $1.71 | $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OMFRM
| Q4 25 | $1.1B | $169.7M | ||
| Q3 25 | $1.1B | $165.5M | ||
| Q2 25 | $1.0B | $157.4M | ||
| Q1 25 | $996.0M | $153.0M | ||
| Q4 24 | $1.0B | $154.8M | ||
| Q3 24 | $981.0M | $146.3M | ||
| Q2 24 | $922.0M | $143.0M | ||
| Q1 24 | $896.0M | $144.3M |
净利润OMFRM
| Q4 25 | $204.0M | $12.9M | ||
| Q3 25 | $199.0M | $14.4M | ||
| Q2 25 | $167.0M | $10.1M | ||
| Q1 25 | $213.0M | $7.0M | ||
| Q4 24 | $126.0M | $9.9M | ||
| Q3 24 | $157.0M | $7.7M | ||
| Q2 24 | $71.0M | $8.4M | ||
| Q1 24 | $155.0M | $15.2M |
营业利润率OMFRM
| Q4 25 | 22.8% | 9.5% | ||
| Q3 25 | 24.5% | 11.5% | ||
| Q2 25 | 20.9% | 8.6% | ||
| Q1 25 | 27.6% | 6.0% | ||
| Q4 24 | 16.3% | 8.2% | ||
| Q3 24 | 21.1% | 6.9% | ||
| Q2 24 | 10.0% | 7.8% | ||
| Q1 24 | 22.8% | 13.8% |
净利率OMFRM
| Q4 25 | 18.7% | 7.6% | ||
| Q3 25 | 18.6% | 8.7% | ||
| Q2 25 | 16.3% | 6.4% | ||
| Q1 25 | 21.4% | 4.6% | ||
| Q4 24 | 12.5% | 6.4% | ||
| Q3 24 | 16.0% | 5.2% | ||
| Q2 24 | 7.7% | 5.9% | ||
| Q1 24 | 17.3% | 10.5% |
每股收益（稀释后）OMFRM
| Q4 25 | $1.71 | $1.30 | ||
| Q3 25 | $1.67 | $1.42 | ||
| Q2 25 | $1.40 | $1.03 | ||
| Q1 25 | $1.78 | $0.70 | ||
| Q4 24 | $1.05 | $0.96 | ||
| Q3 24 | $1.31 | $0.76 | ||
| Q2 24 | $0.59 | $0.86 | ||
| Q1 24 | $1.29 | $1.56 |
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 | $914.0M | — |
| 总债务越低越好 | $22.7B | $1.6B |
| 股东权益账面价值 | $3.4B | $373.1M |
| 总资产 | $27.4B | $2.1B |
| 负债/权益比越低杠杆越低 | 6.67× | 4.40× |
8季度趋势，按日历期对齐
现金及短期投资OMFRM
| Q4 25 | $914.0M | — | ||
| Q3 25 | $658.0M | — | ||
| Q2 25 | $769.0M | — | ||
| Q1 25 | $627.0M | — | ||
| Q4 24 | $458.0M | — | ||
| Q3 24 | $577.0M | — | ||
| Q2 24 | $667.0M | — | ||
| Q1 24 | $831.0M | — |
总债务OMFRM
| Q4 25 | $22.7B | $1.6B | ||
| Q3 25 | $22.3B | $1.6B | ||
| Q2 25 | $22.1B | $1.5B | ||
| Q1 25 | $21.5B | $1.5B | ||
| Q4 24 | $21.4B | $1.5B | ||
| Q3 24 | $21.1B | $1.4B | ||
| Q2 24 | $20.7B | $1.4B | ||
| Q1 24 | $19.5B | $1.4B |
股东权益OMFRM
| Q4 25 | $3.4B | $373.1M | ||
| Q3 25 | $3.4B | $371.9M | ||
| Q2 25 | $3.3B | $363.0M | ||
| Q1 25 | $3.3B | $357.9M | ||
| Q4 24 | $3.2B | $357.1M | ||
| Q3 24 | $3.2B | $352.9M | ||
| Q2 24 | $3.2B | $344.9M | ||
| Q1 24 | $3.2B | $336.5M |
总资产OMFRM
| Q4 25 | $27.4B | $2.1B | ||
| Q3 25 | $27.0B | $2.0B | ||
| Q2 25 | $26.6B | $2.0B | ||
| Q1 25 | $26.0B | $1.9B | ||
| Q4 24 | $25.9B | $1.9B | ||
| Q3 24 | $25.6B | $1.8B | ||
| Q2 24 | $25.1B | $1.8B | ||
| Q1 24 | $23.9B | $1.9B |
负债/权益比OMFRM
| Q4 25 | 6.67× | 4.40× | ||
| Q3 25 | 6.61× | 4.23× | ||
| Q2 25 | 6.63× | 4.14× | ||
| Q1 25 | 6.55× | 4.11× | ||
| Q4 24 | 6.72× | 4.12× | ||
| Q3 24 | 6.59× | 3.94× | ||
| Q2 24 | 6.56× | 3.98× | ||
| Q1 24 | 6.07× | 4.03× |
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 | $865.0M | $80.1M |
| 自由现金流经营现金流 - 资本支出 | — | $78.6M |
| 自由现金流率自由现金流/营收 | — | 46.3% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 现金转化率经营现金流/净利润 | 4.24× | 6.20× |
| 过去12个月自由现金流最近4个季度 | — | $304.3M |
8季度趋势，按日历期对齐
经营现金流OMFRM
| Q4 25 | $865.0M | $80.1M | ||
| Q3 25 | $828.0M | $86.7M | ||
| Q2 25 | $774.0M | $78.7M | ||
| Q1 25 | $665.0M | $63.7M | ||
| Q4 24 | $752.0M | $63.8M | ||
| Q3 24 | $677.0M | $75.1M | ||
| Q2 24 | $712.0M | $71.5M | ||
| Q1 24 | $558.0M | $58.5M |
自由现金流OMFRM
| Q4 25 | — | $78.6M | ||
| Q3 25 | — | $85.7M | ||
| Q2 25 | — | $77.6M | ||
| Q1 25 | — | $62.4M | ||
| Q4 24 | — | $62.3M | ||
| Q3 24 | — | $73.8M | ||
| Q2 24 | — | $70.3M | ||
| Q1 24 | — | $57.4M |
自由现金流率OMFRM
| Q4 25 | — | 46.3% | ||
| Q3 25 | — | 51.8% | ||
| Q2 25 | — | 49.3% | ||
| Q1 25 | — | 40.8% | ||
| Q4 24 | — | 40.3% | ||
| Q3 24 | — | 50.4% | ||
| Q2 24 | — | 49.1% | ||
| Q1 24 | — | 39.8% |
资本支出强度OMFRM
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 0.7% |
现金转化率OMFRM
| Q4 25 | 4.24× | 6.20× | ||
| Q3 25 | 4.16× | 6.04× | ||
| Q2 25 | 4.63× | 7.76× | ||
| Q1 25 | 3.12× | 9.09× | ||
| Q4 24 | 5.97× | 6.44× | ||
| Q3 24 | 4.31× | 9.80× | ||
| Q2 24 | 10.03× | 8.47× | ||
| Q1 24 | 3.60× | 3.85× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
