vs
北极星（PII）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
北极星的季度营收约是Regions Financial Corporation的1.3倍（$1.7B vs $1.3B），Regions Financial Corporation净利率更高（41.7% vs -2.8%，领先44.5%），北极星同比增速更快（8.0% vs 4.1%），过去两年Regions Financial Corporation的营收复合增速更高（4.0% vs -8.0%）
北极星公司（Polaris Inc.）是总部位于美国明尼苏达州麦地那的机动车制造企业，创立于明尼苏达州罗索，当地目前仍保留其工程研发与生产设施。公司曾通过胜利摩托子公司生产摩托车，2011年收购印第安摩托品牌后转由该子公司运营摩托业务，此前还曾生产私人水上摩托艇产品。
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。
PII vs RF — 直观对比
营收规模更大
PII
是对方的1.3倍
$1.3B
营收增速更快
PII
高出3.9%
4.1%
净利率更高
RF
高出44.5%
-2.8%
两年增速更快
RF
近两年复合增速
-8.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.7B | $1.3B |
| 净利润 | $-47.2M | $534.0M |
| 毛利率 | 20.2% | — |
| 营业利润率 | — | 55.3% |
| 净利率 | -2.8% | 41.7% |
| 营收同比 | 8.0% | 4.1% |
| 净利润同比 | 29.2% | 0.0% |
| 每股收益（稀释后） | $-0.83 | $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PIIRF
| Q1 26 | $1.7B | — | ||
| Q4 25 | $1.9B | $1.3B | ||
| Q3 25 | $1.8B | $1.3B | ||
| Q2 25 | $1.9B | $1.3B | ||
| Q1 25 | $1.5B | $1.2B | ||
| Q4 24 | $1.8B | $1.2B | ||
| Q3 24 | $1.7B | $1.2B | ||
| Q2 24 | $2.0B | $1.2B |
净利润PIIRF
| Q1 26 | $-47.2M | — | ||
| Q4 25 | $-303.6M | $534.0M | ||
| Q3 25 | $-15.8M | $569.0M | ||
| Q2 25 | $-79.3M | $563.0M | ||
| Q1 25 | $-66.8M | $490.0M | ||
| Q4 24 | $10.6M | $534.0M | ||
| Q3 24 | $27.7M | $490.0M | ||
| Q2 24 | $68.7M | $501.0M |
毛利率PIIRF
| Q1 26 | 20.2% | — | ||
| Q4 25 | 20.0% | — | ||
| Q3 25 | 20.7% | — | ||
| Q2 25 | 19.4% | — | ||
| Q1 25 | 16.0% | — | ||
| Q4 24 | 20.4% | — | ||
| Q3 24 | 20.6% | — | ||
| Q2 24 | 21.6% | — |
营业利润率PIIRF
| Q1 26 | — | — | ||
| Q4 25 | -16.7% | 55.3% | ||
| Q3 25 | 1.1% | 56.3% | ||
| Q2 25 | -0.7% | 56.1% | ||
| Q1 25 | -2.4% | 52.0% | ||
| Q4 24 | 3.7% | 53.4% | ||
| Q3 24 | 3.8% | 49.9% | ||
| Q2 24 | 6.1% | 52.7% |
净利率PIIRF
| Q1 26 | -2.8% | — | ||
| Q4 25 | -15.8% | 41.7% | ||
| Q3 25 | -0.9% | 45.3% | ||
| Q2 25 | -4.3% | 44.7% | ||
| Q1 25 | -4.3% | 41.0% | ||
| Q4 24 | 0.6% | 43.4% | ||
| Q3 24 | 1.6% | 40.2% | ||
| Q2 24 | 3.5% | 42.2% |
每股收益（稀释后）PIIRF
| Q1 26 | $-0.83 | — | ||
| Q4 25 | $-5.34 | $0.59 | ||
| Q3 25 | $-0.28 | $0.61 | ||
| Q2 25 | $-1.39 | $0.59 | ||
| Q1 25 | $-1.17 | $0.51 | ||
| Q4 24 | $0.18 | $0.55 | ||
| Q3 24 | $0.49 | $0.49 | ||
| Q2 24 | $1.21 | $0.52 |
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 | $282.0M | — |
| 总债务越低越好 | — | $4.1B |
| 股东权益账面价值 | $750.4M | $19.0B |
| 总资产 | $5.2B | $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PIIRF
| Q1 26 | $282.0M | — | ||
| Q4 25 | $138.0M | — | ||
| Q3 25 | $335.5M | — | ||
| Q2 25 | $324.3M | — | ||
| Q1 25 | $291.7M | — | ||
| Q4 24 | $287.8M | — | ||
| Q3 24 | $291.3M | — | ||
| Q2 24 | $322.7M | — |
总债务PIIRF
| Q1 26 | — | — | ||
| Q4 25 | $1.5B | $4.1B | ||
| Q3 25 | $1.3B | $4.8B | ||
| Q2 25 | $1.4B | $5.3B | ||
| Q1 25 | $1.6B | $6.0B | ||
| Q4 24 | $1.6B | $6.0B | ||
| Q3 24 | $1.7B | $6.0B | ||
| Q2 24 | $2.1B | $5.1B |
股东权益PIIRF
| Q1 26 | $750.4M | — | ||
| Q4 25 | $828.4M | $19.0B | ||
| Q3 25 | $1.1B | $19.0B | ||
| Q2 25 | $1.2B | $18.7B | ||
| Q1 25 | $1.2B | $18.5B | ||
| Q4 24 | $1.3B | $17.9B | ||
| Q3 24 | $1.3B | $18.7B | ||
| Q2 24 | $1.3B | $17.2B |
总资产PIIRF
| Q1 26 | $5.2B | — | ||
| Q4 25 | $4.9B | $158.8B | ||
| Q3 25 | $5.3B | $159.9B | ||
| Q2 25 | $5.4B | $159.2B | ||
| Q1 25 | $5.5B | $159.8B | ||
| Q4 24 | $5.5B | $157.3B | ||
| Q3 24 | $5.6B | $157.4B | ||
| Q2 24 | $5.7B | $154.1B |
负债/权益比PIIRF
| Q1 26 | — | — | ||
| Q4 25 | 1.82× | 0.22× | ||
| Q3 25 | 1.13× | 0.25× | ||
| Q2 25 | 1.17× | 0.28× | ||
| Q1 25 | 1.32× | 0.32× | ||
| Q4 24 | 1.27× | 0.34× | ||
| Q3 24 | 1.29× | 0.32× | ||
| Q2 24 | 1.56× | 0.30× |
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 | — | $-319.0M |
| 自由现金流经营现金流 - 资本支出 | $-342.5M | — |
| 自由现金流率自由现金流/营收 | -20.6% | — |
| 资本支出强度资本支出/营收 | — | — |
| 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 | $168.0M | — |
8季度趋势，按日历期对齐
经营现金流PIIRF
| Q1 26 | — | — | ||
| Q4 25 | $178.7M | $-319.0M | ||
| Q3 25 | $158.8M | $861.0M | ||
| Q2 25 | $320.3M | $573.0M | ||
| Q1 25 | $83.2M | $1.1B | ||
| Q4 24 | $206.3M | $-220.0M | ||
| Q3 24 | $21.0M | $1.3B | ||
| Q2 24 | $146.3M | $161.0M |
自由现金流PIIRF
| Q1 26 | $-342.5M | — | ||
| Q4 25 | $114.0M | — | ||
| Q3 25 | $116.7M | — | ||
| Q2 25 | $279.8M | — | ||
| Q1 25 | $47.6M | — | ||
| Q4 24 | $137.3M | — | ||
| Q3 24 | $-32.4M | — | ||
| Q2 24 | $79.1M | — |
自由现金流率PIIRF
| Q1 26 | -20.6% | — | ||
| Q4 25 | 5.9% | — | ||
| Q3 25 | 6.3% | — | ||
| Q2 25 | 15.1% | — | ||
| Q1 25 | 3.1% | — | ||
| Q4 24 | 7.8% | — | ||
| Q3 24 | -1.9% | — | ||
| Q2 24 | 4.0% | — |
资本支出强度PIIRF
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | — | ||
| Q3 25 | 2.3% | — | ||
| Q2 25 | 2.2% | — | ||
| Q1 25 | 2.3% | — | ||
| Q4 24 | 3.9% | — | ||
| Q3 24 | 3.1% | — | ||
| Q2 24 | 3.4% | — |
现金转化率PIIRF
| Q1 26 | — | — | ||
| Q4 25 | — | -0.60× | ||
| Q3 25 | — | 1.51× | ||
| Q2 25 | — | 1.02× | ||
| Q1 25 | — | 2.18× | ||
| Q4 24 | 19.46× | -0.41× | ||
| Q3 24 | 0.76× | 2.57× | ||
| Q2 24 | 2.13× | 0.32× |
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
PII
暂无分部数据
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
