vs
Regions Financial Corporation（RF）与罗致恒富（RHI）财务数据对比。点击上方公司名可切换其他公司
罗致恒富的季度营收约是Regions Financial Corporation的1.0倍（$1.3B vs $1.3B），Regions Financial Corporation同比增速更快（4.1% vs -5.8%），过去两年Regions Financial Corporation的营收复合增速更高（4.0% vs -6.1%）
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。
罗致恒富是1948年成立的国际人力资源咨询机构，总部位于加利福尼亚州门洛帕克和圣拉蒙，是全球规模领先的会计与金融领域人才派遣服务商之一，在全球范围内设有超过345个办公点。
RF vs RHI — 直观对比
营收规模更大
RHI
是对方的1.0倍
$1.3B
营收增速更快
RF
高出9.9%
-5.8%
两年增速更快
RF
近两年复合增速
-6.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $1.3B |
| 净利润 | $534.0M | — |
| 毛利率 | — | 37.6% |
| 营业利润率 | 55.3% | 1.7% |
| 净利率 | 41.7% | — |
| 营收同比 | 4.1% | -5.8% |
| 净利润同比 | 0.0% | — |
| 每股收益（稀释后） | $0.59 | $0.32 |
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RFRHI
| Q4 25 | $1.3B | $1.3B | ||
| Q3 25 | $1.3B | $1.4B | ||
| Q2 25 | $1.3B | $1.4B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.4B | ||
| Q3 24 | $1.2B | $1.5B | ||
| Q2 24 | $1.2B | $1.5B | ||
| Q1 24 | $1.2B | $1.5B |
净利润RFRHI
| Q4 25 | $534.0M | — | ||
| Q3 25 | $569.0M | $42.9M | ||
| Q2 25 | $563.0M | $41.0M | ||
| Q1 25 | $490.0M | $17.4M | ||
| Q4 24 | $534.0M | — | ||
| Q3 24 | $490.0M | $65.5M | ||
| Q2 24 | $501.0M | $68.2M | ||
| Q1 24 | $368.0M | $63.7M |
毛利率RFRHI
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 37.2% | ||
| Q2 25 | — | 37.2% | ||
| Q1 25 | — | 36.9% | ||
| Q4 24 | — | 38.8% | ||
| Q3 24 | — | 39.0% | ||
| Q2 24 | — | 39.2% | ||
| Q1 24 | — | 38.1% |
营业利润率RFRHI
| Q4 25 | 55.3% | 1.7% | ||
| Q3 25 | 56.3% | 1.0% | ||
| Q2 25 | 56.1% | 0.1% | ||
| Q1 25 | 52.0% | 2.9% | ||
| Q4 24 | 53.4% | 4.7% | ||
| Q3 24 | 49.9% | 4.1% | ||
| Q2 24 | 52.7% | 5.1% | ||
| Q1 24 | 39.2% | 2.8% |
净利率RFRHI
| Q4 25 | 41.7% | — | ||
| Q3 25 | 45.3% | 3.2% | ||
| Q2 25 | 44.7% | 3.0% | ||
| Q1 25 | 41.0% | 1.3% | ||
| Q4 24 | 43.4% | — | ||
| Q3 24 | 40.2% | 4.5% | ||
| Q2 24 | 42.2% | 4.6% | ||
| Q1 24 | 31.1% | 4.3% |
每股收益（稀释后）RFRHI
| Q4 25 | $0.59 | $0.32 | ||
| Q3 25 | $0.61 | $0.43 | ||
| Q2 25 | $0.59 | $0.41 | ||
| Q1 25 | $0.51 | $0.17 | ||
| Q4 24 | $0.55 | $0.53 | ||
| Q3 24 | $0.49 | $0.64 | ||
| Q2 24 | $0.52 | $0.66 | ||
| Q1 24 | $0.37 | $0.61 |
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 | — | $464.4M |
| 总债务越低越好 | $4.1B | — |
| 股东权益账面价值 | $19.0B | $1.3B |
| 总资产 | $158.8B | $2.9B |
| 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RFRHI
| Q4 25 | — | $464.4M | ||
| Q3 25 | — | $365.3M | ||
| Q2 25 | — | $380.5M | ||
| Q1 25 | — | $342.5M | ||
| Q4 24 | — | $537.6M | ||
| Q3 24 | — | $570.5M | ||
| Q2 24 | — | $547.4M | ||
| Q1 24 | — | $540.9M |
总债务RFRHI
| 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RFRHI
| Q4 25 | $19.0B | $1.3B | ||
| Q3 25 | $19.0B | $1.3B | ||
| Q2 25 | $18.7B | $1.3B | ||
| Q1 25 | $18.5B | $1.3B | ||
| Q4 24 | $17.9B | $1.4B | ||
| Q3 24 | $18.7B | $1.5B | ||
| Q2 24 | $17.2B | $1.5B | ||
| Q1 24 | $17.0B | $1.5B |
总资产RFRHI
| Q4 25 | $158.8B | $2.9B | ||
| Q3 25 | $159.9B | $2.8B | ||
| Q2 25 | $159.2B | $2.8B | ||
| Q1 25 | $159.8B | $2.7B | ||
| Q4 24 | $157.3B | $2.9B | ||
| Q3 24 | $157.4B | $3.0B | ||
| Q2 24 | $154.1B | $2.9B | ||
| Q1 24 | $154.9B | $2.9B |
负债/权益比RFRHI
| 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 | $-319.0M | $182.5M |
| 自由现金流经营现金流 - 资本支出 | — | $170.8M |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 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 | -0.60× | — |
| 过去12个月自由现金流最近4个季度 | — | $266.8M |
8季度趋势，按日历期对齐
经营现金流RFRHI
| Q4 25 | $-319.0M | $182.5M | ||
| Q3 25 | $861.0M | $77.4M | ||
| Q2 25 | $573.0M | $119.4M | ||
| Q1 25 | $1.1B | $-59.3M | ||
| Q4 24 | $-220.0M | $154.8M | ||
| Q3 24 | $1.3B | $129.6M | ||
| Q2 24 | $161.0M | $142.0M | ||
| Q1 24 | $396.0M | $-15.9M |
自由现金流RFRHI
| Q4 25 | — | $170.8M | ||
| Q3 25 | — | $63.6M | ||
| Q2 25 | — | $104.2M | ||
| Q1 25 | — | $-71.7M | ||
| Q4 24 | — | $140.5M | ||
| Q3 24 | — | $111.8M | ||
| Q2 24 | — | $129.6M | ||
| Q1 24 | — | $-27.7M |
自由现金流率RFRHI
| Q4 25 | — | 13.1% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 7.6% | ||
| Q1 25 | — | -5.3% | ||
| Q4 24 | — | 10.2% | ||
| Q3 24 | — | 7.6% | ||
| Q2 24 | — | 8.8% | ||
| Q1 24 | — | -1.9% |
资本支出强度RFRHI
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 0.8% |
现金转化率RFRHI
| Q4 25 | -0.60× | — | ||
| Q3 25 | 1.51× | 1.80× | ||
| Q2 25 | 1.02× | 2.91× | ||
| Q1 25 | 2.18× | -3.42× | ||
| Q4 24 | -0.41× | — | ||
| Q3 24 | 2.57× | 1.98× | ||
| Q2 24 | 0.32× | 2.08× | ||
| Q1 24 | 1.08× | -0.25× |
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
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
RHI
| Finance And Accounting | $535.2M | 41% |
| Protiviti | $479.0M | 37% |
| Technology | $156.4M | 12% |
| Permanent Placement Talent Solutions | $102.6M | 8% |
| Other | $29.2M | 2% |
