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Regions Financial Corporation（RF）与Rivian Automotive, Inc.（RIVN）财务数据对比。点击上方公司名可切换其他公司
Rivian Automotive, Inc.的季度营收约是Regions Financial Corporation的1.0倍（$1.3B vs $1.3B），Regions Financial Corporation净利率更高（41.7% vs -63.1%，领先104.7%），Regions Financial Corporation同比增速更快（4.1% vs -25.8%），过去两年Regions Financial Corporation的营收复合增速更高（4.0% vs 3.3%）
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。
Rivian Automotive是2009年成立的美国电动汽车制造商及汽车科技企业，主打基于自研滑板平台打造的电动SUV、皮卡及EDV电动配送货车，旗下R1T皮卡于2021年末正式开启交付，还计划于2023年底前在美国和加拿大布局专属充电网络，其平台可适配新车型也可对外授权使用。
RF vs RIVN — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $1.3B |
| 净利润 | $534.0M | $-811.0M |
| 毛利率 | — | 9.3% |
| 营业利润率 | 55.3% | -64.8% |
| 净利率 | 41.7% | -63.1% |
| 营收同比 | 4.1% | -25.8% |
| 净利润同比 | 0.0% | -9.0% |
| 每股收益（稀释后） | $0.59 | $-0.66 |
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
| Q4 25 | $1.3B | $1.3B | ||
| Q3 25 | $1.3B | $1.6B | ||
| Q2 25 | $1.3B | $1.3B | ||
| Q1 25 | $1.2B | $1.2B | ||
| Q4 24 | $1.2B | $1.7B | ||
| Q3 24 | $1.2B | $874.0M | ||
| Q2 24 | $1.2B | $1.2B | ||
| Q1 24 | $1.2B | $1.2B |
| Q4 25 | $534.0M | $-811.0M | ||
| Q3 25 | $569.0M | $-1.2B | ||
| Q2 25 | $563.0M | $-1.1B | ||
| Q1 25 | $490.0M | $-545.0M | ||
| Q4 24 | $534.0M | $-744.0M | ||
| Q3 24 | $490.0M | $-1.1B | ||
| Q2 24 | $501.0M | $-1.5B | ||
| Q1 24 | $368.0M | $-1.4B |
| Q4 25 | — | 9.3% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | -15.8% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 9.8% | ||
| Q3 24 | — | -44.9% | ||
| Q2 24 | — | -38.9% | ||
| Q1 24 | — | -43.8% |
| Q4 25 | 55.3% | -64.8% | ||
| Q3 25 | 56.3% | -63.1% | ||
| Q2 25 | 56.1% | -85.5% | ||
| Q1 25 | 52.0% | -52.8% | ||
| Q4 24 | 53.4% | -38.1% | ||
| Q3 24 | 49.9% | -133.8% | ||
| Q2 24 | 52.7% | -118.7% | ||
| Q1 24 | 39.2% | -123.3% |
| Q4 25 | 41.7% | -63.1% | ||
| Q3 25 | 45.3% | -75.3% | ||
| Q2 25 | 44.7% | -85.7% | ||
| Q1 25 | 41.0% | -44.0% | ||
| Q4 24 | 43.4% | -42.9% | ||
| Q3 24 | 40.2% | -125.9% | ||
| Q2 24 | 42.2% | -125.8% | ||
| Q1 24 | 31.1% | -120.1% |
| Q4 25 | $0.59 | $-0.66 | ||
| Q3 25 | $0.61 | $-0.96 | ||
| Q2 25 | $0.59 | $-0.97 | ||
| Q1 25 | $0.51 | $-0.48 | ||
| Q4 24 | $0.55 | $-0.67 | ||
| Q3 24 | $0.49 | $-1.08 | ||
| Q2 24 | $0.52 | $-1.46 | ||
| Q1 24 | $0.37 | $-1.48 |
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 | — | $6.1B |
| 总债务越低越好 | $4.1B | — |
| 股东权益账面价值 | $19.0B | $4.6B |
| 总资产 | $158.8B | $14.9B |
| 负债/权益比越低杠杆越低 | 0.22× | — |
8季度趋势，按日历期对齐
| Q4 25 | — | $6.1B | ||
| Q3 25 | — | $7.1B | ||
| Q2 25 | — | $7.5B | ||
| Q1 25 | — | $7.2B | ||
| Q4 24 | — | $7.7B | ||
| Q3 24 | — | $6.7B | ||
| Q2 24 | — | $7.9B | ||
| Q1 24 | — | $7.9B |
| 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 | $5.5B | ||
| Q1 24 | $3.3B | $4.4B |
| Q4 25 | $19.0B | $4.6B | ||
| Q3 25 | $19.0B | $5.1B | ||
| Q2 25 | $18.7B | $6.1B | ||
| Q1 25 | $18.5B | $6.2B | ||
| Q4 24 | $17.9B | $6.6B | ||
| Q3 24 | $18.7B | $5.9B | ||
| Q2 24 | $17.2B | $6.8B | ||
| Q1 24 | $17.0B | $8.1B |
| Q4 25 | $158.8B | $14.9B | ||
| Q3 25 | $159.9B | $15.2B | ||
| Q2 25 | $159.2B | $15.6B | ||
| Q1 25 | $159.8B | $15.5B | ||
| Q4 24 | $157.3B | $15.4B | ||
| Q3 24 | $157.4B | $14.3B | ||
| Q2 24 | $154.1B | $15.4B | ||
| Q1 24 | $154.9B | $15.7B |
| 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× | 0.81× | ||
| Q1 24 | 0.20× | 0.55× |
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 | $-681.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.1B |
| 自由现金流率自由现金流/营收 | — | -89.0% |
| 资本支出强度资本支出/营收 | — | 36.0% |
| 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 | — | $-2.5B |
8季度趋势，按日历期对齐
| Q4 25 | $-319.0M | $-681.0M | ||
| Q3 25 | $861.0M | $26.0M | ||
| Q2 25 | $573.0M | $64.0M | ||
| Q1 25 | $1.1B | $-188.0M | ||
| Q4 24 | $-220.0M | $1.2B | ||
| Q3 24 | $1.3B | $-876.0M | ||
| Q2 24 | $161.0M | $-754.0M | ||
| Q1 24 | $396.0M | $-1.3B |
| Q4 25 | — | $-1.1B | ||
| Q3 25 | — | $-421.0M | ||
| Q2 25 | — | $-398.0M | ||
| Q1 25 | — | $-526.0M | ||
| Q4 24 | — | $856.0M | ||
| Q3 24 | — | $-1.2B | ||
| Q2 24 | — | $-1.0B | ||
| Q1 24 | — | $-1.5B |
| Q4 25 | — | -89.0% | ||
| Q3 25 | — | -27.0% | ||
| Q2 25 | — | -30.5% | ||
| Q1 25 | — | -42.4% | ||
| Q4 24 | — | 49.4% | ||
| Q3 24 | — | -131.9% | ||
| Q2 24 | — | -89.6% | ||
| Q1 24 | — | -126.5% |
| Q4 25 | — | 36.0% | ||
| Q3 25 | — | 28.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 27.3% | ||
| Q4 24 | — | 18.9% | ||
| Q3 24 | — | 31.7% | ||
| Q2 24 | — | 24.4% | ||
| Q1 24 | — | 21.1% |
| Q4 25 | -0.60× | — | ||
| Q3 25 | 1.51× | — | ||
| Q2 25 | 1.02× | — | ||
| Q1 25 | 2.18× | — | ||
| Q4 24 | -0.41× | — | ||
| Q3 24 | 2.57× | — | ||
| Q2 24 | 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
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
RIVN
| Automotive Segment | $839.0M | 65% |
| Software And Services Segment | $447.0M | 35% |
| Regulatory Credits | $30.0M | 2% |
