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Regions Financial Corporation（RF）与拉夫劳伦（RL）财务数据对比。点击上方公司名可切换其他公司
拉夫劳伦的季度营收约是Regions Financial Corporation的1.9倍（$2.4B vs $1.3B），Regions Financial Corporation净利率更高（41.7% vs 15.0%，领先26.7%），拉夫劳伦同比增速更快（12.2% vs 4.1%），过去两年拉夫劳伦的营收复合增速更高（23.9% vs 4.0%）
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。
拉夫劳伦是源自美国的跨国时尚巨头，旗下同名高端时尚品牌风靡全球，企业规模达数十亿美元。品牌创始人拉夫劳伦于2015年9月卸任首席执行官，仍留任执行董事长兼首席创意官，主导品牌创意与整体发展方向。
RF vs RL — 直观对比
营收规模更大
RL
是对方的1.9倍
$1.3B
营收增速更快
RL
高出8.1%
4.1%
净利率更高
RF
高出26.7%
15.0%
两年增速更快
RL
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $2.4B |
| 净利润 | $534.0M | $361.6M |
| 毛利率 | — | 69.9% |
| 营业利润率 | 55.3% | 19.6% |
| 净利率 | 41.7% | 15.0% |
| 营收同比 | 4.1% | 12.2% |
| 净利润同比 | 0.0% | 21.6% |
| 每股收益（稀释后） | $0.59 | $5.82 |
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RFRL
| Q4 25 | $1.3B | $2.4B | ||
| Q3 25 | $1.3B | $2.0B | ||
| Q2 25 | $1.3B | $1.7B | ||
| Q1 25 | $1.2B | $1.7B | ||
| Q4 24 | $1.2B | $2.1B | ||
| Q3 24 | $1.2B | $1.7B | ||
| Q2 24 | $1.2B | $1.5B | ||
| Q1 24 | $1.2B | $1.6B |
净利润RFRL
| Q4 25 | $534.0M | $361.6M | ||
| Q3 25 | $569.0M | $207.5M | ||
| Q2 25 | $563.0M | $220.4M | ||
| Q1 25 | $490.0M | $129.0M | ||
| Q4 24 | $534.0M | $297.4M | ||
| Q3 24 | $490.0M | $147.9M | ||
| Q2 24 | $501.0M | $168.6M | ||
| Q1 24 | $368.0M | $90.7M |
毛利率RFRL
| Q4 25 | — | 69.9% | ||
| Q3 25 | — | 68.0% | ||
| Q2 25 | — | 72.3% | ||
| Q1 25 | — | 68.7% | ||
| Q4 24 | — | 68.4% | ||
| Q3 24 | — | 67.0% | ||
| Q2 24 | — | 70.5% | ||
| Q1 24 | — | 66.6% |
营业利润率RFRL
| Q4 25 | 55.3% | 19.6% | ||
| Q3 25 | 56.3% | 12.2% | ||
| Q2 25 | 56.1% | 15.9% | ||
| Q1 25 | 52.0% | 9.1% | ||
| Q4 24 | 53.4% | 18.2% | ||
| Q3 24 | 49.9% | 10.4% | ||
| Q2 24 | 52.7% | 13.8% | ||
| Q1 24 | 39.2% | 6.9% |
净利率RFRL
| Q4 25 | 41.7% | 15.0% | ||
| Q3 25 | 45.3% | 10.3% | ||
| Q2 25 | 44.7% | 12.8% | ||
| Q1 25 | 41.0% | 7.6% | ||
| Q4 24 | 43.4% | 13.9% | ||
| Q3 24 | 40.2% | 8.6% | ||
| Q2 24 | 42.2% | 11.1% | ||
| Q1 24 | 31.1% | 5.8% |
每股收益（稀释后）RFRL
| Q4 25 | $0.59 | $5.82 | ||
| Q3 25 | $0.61 | $3.32 | ||
| Q2 25 | $0.59 | $3.52 | ||
| Q1 25 | $0.51 | $2.03 | ||
| Q4 24 | $0.55 | $4.66 | ||
| Q3 24 | $0.49 | $2.31 | ||
| Q2 24 | $0.52 | $2.61 | ||
| Q1 24 | $0.37 | $1.37 |
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 | — | $2.3B |
| 总债务越低越好 | $4.1B | — |
| 股东权益账面价值 | $19.0B | $2.9B |
| 总资产 | $158.8B | $7.8B |
| 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RFRL
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $1.6B | ||
| Q2 25 | — | $2.3B | ||
| Q1 25 | — | $2.1B | ||
| Q4 24 | — | $2.1B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.8B | ||
| Q1 24 | — | $1.8B |
总债务RFRL
| 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RFRL
| Q4 25 | $19.0B | $2.9B | ||
| Q3 25 | $19.0B | $2.6B | ||
| Q2 25 | $18.7B | $2.5B | ||
| Q1 25 | $18.5B | $2.6B | ||
| Q4 24 | $17.9B | $2.5B | ||
| Q3 24 | $18.7B | $2.4B | ||
| Q2 24 | $17.2B | $2.4B | ||
| Q1 24 | $17.0B | $2.5B |
总资产RFRL
| Q4 25 | $158.8B | $7.8B | ||
| Q3 25 | $159.9B | $7.3B | ||
| Q2 25 | $159.2B | $7.8B | ||
| Q1 25 | $159.8B | $7.0B | ||
| Q4 24 | $157.3B | $7.1B | ||
| Q3 24 | $157.4B | $6.8B | ||
| Q2 24 | $154.1B | $6.6B | ||
| Q1 24 | $154.9B | $6.6B |
负债/权益比RFRL
| 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 | $779.6M |
| 自由现金流经营现金流 - 资本支出 | — | $704.0M |
| 自由现金流率自由现金流/营收 | — | 29.3% |
| 资本支出强度资本支出/营收 | — | 3.1% |
| 现金转化率经营现金流/净利润 | -0.60× | 2.16× |
| 过去12个月自由现金流最近4个季度 | — | $694.5M |
8季度趋势，按日历期对齐
经营现金流RFRL
| Q4 25 | $-319.0M | $779.6M | ||
| Q3 25 | $861.0M | $53.2M | ||
| Q2 25 | $573.0M | $176.1M | ||
| Q1 25 | $1.1B | $122.2M | ||
| Q4 24 | $-220.0M | $738.4M | ||
| Q3 24 | $1.3B | $97.2M | ||
| Q2 24 | $161.0M | $277.3M | ||
| Q1 24 | $396.0M | — |
自由现金流RFRL
| Q4 25 | — | $704.0M | ||
| Q3 25 | — | $-40.6M | ||
| Q2 25 | — | $-11.2M | ||
| Q1 25 | — | $42.3M | ||
| Q4 24 | — | $677.2M | ||
| Q3 24 | — | $55.5M | ||
| Q2 24 | — | $243.9M | ||
| Q1 24 | — | — |
自由现金流率RFRL
| Q4 25 | — | 29.3% | ||
| Q3 25 | — | -2.0% | ||
| Q2 25 | — | -0.7% | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | 31.6% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 16.1% | ||
| Q1 24 | — | — |
资本支出强度RFRL
| Q4 25 | — | 3.1% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 10.9% | ||
| Q1 25 | — | 4.7% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 2.4% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | — |
现金转化率RFRL
| Q4 25 | -0.60× | 2.16× | ||
| Q3 25 | 1.51× | 0.26× | ||
| Q2 25 | 1.02× | 0.80× | ||
| Q1 25 | 2.18× | 0.95× | ||
| Q4 24 | -0.41× | 2.48× | ||
| Q3 24 | 2.57× | 0.66× | ||
| Q2 24 | 0.32× | 1.64× | ||
| 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% |
RL
暂无分部数据
