vs
Regions Financial Corporation（RF）与RXO, Inc.（RXO）财务数据对比。点击上方公司名可切换其他公司
RXO, Inc.的季度营收约是Regions Financial Corporation的1.1倍（$1.5B vs $1.3B），Regions Financial Corporation净利率更高（41.7% vs -3.1%，领先44.8%），Regions Financial Corporation同比增速更快（4.1% vs -11.9%），过去两年RXO, Inc.的营收复合增速更高（26.8% 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。
RXO是总部位于美国的头部运输及物流解决方案供应商，核心业务覆盖货运经纪、大件商品最后一公里配送、运输管理服务与全链路供应链优化支持，主要服务北美制造业、零售业及电商领域的客户。
RF vs RXO — 直观对比
营收规模更大
RXO
是对方的1.1倍
$1.3B
营收增速更快
RF
高出16.0%
-11.9%
净利率更高
RF
高出44.8%
-3.1%
两年增速更快
RXO
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $1.5B |
| 净利润 | $534.0M | $-46.0M |
| 毛利率 | — | — |
| 营业利润率 | 55.3% | -2.9% |
| 净利率 | 41.7% | -3.1% |
| 营收同比 | 4.1% | -11.9% |
| 净利润同比 | 0.0% | -84.0% |
| 每股收益（稀释后） | $0.59 | $-0.28 |
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RFRXO
| Q4 25 | $1.3B | $1.5B | ||
| Q3 25 | $1.3B | $1.4B | ||
| Q2 25 | $1.3B | $1.4B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.7B | ||
| Q3 24 | $1.2B | $1.0B | ||
| Q2 24 | $1.2B | $930.0M | ||
| Q1 24 | $1.2B | $913.0M |
净利润RFRXO
| Q4 25 | $534.0M | $-46.0M | ||
| Q3 25 | $569.0M | $-14.0M | ||
| Q2 25 | $563.0M | $-9.0M | ||
| Q1 25 | $490.0M | $-31.0M | ||
| Q4 24 | $534.0M | $-25.0M | ||
| Q3 24 | $490.0M | $-243.0M | ||
| Q2 24 | $501.0M | $-7.0M | ||
| Q1 24 | $368.0M | $-15.0M |
营业利润率RFRXO
| Q4 25 | 55.3% | -2.9% | ||
| Q3 25 | 56.3% | -0.5% | ||
| Q2 25 | 56.1% | — | ||
| Q1 25 | 52.0% | -2.1% | ||
| Q4 24 | 53.4% | -1.4% | ||
| Q3 24 | 49.9% | -1.9% | ||
| Q2 24 | 52.7% | — | ||
| Q1 24 | 39.2% | -1.3% |
净利率RFRXO
| Q4 25 | 41.7% | -3.1% | ||
| Q3 25 | 45.3% | -1.0% | ||
| Q2 25 | 44.7% | -0.6% | ||
| Q1 25 | 41.0% | -2.2% | ||
| Q4 24 | 43.4% | -1.5% | ||
| Q3 24 | 40.2% | -23.4% | ||
| Q2 24 | 42.2% | -0.8% | ||
| Q1 24 | 31.1% | -1.6% |
每股收益（稀释后）RFRXO
| Q4 25 | $0.59 | $-0.28 | ||
| Q3 25 | $0.61 | $-0.08 | ||
| Q2 25 | $0.59 | $-0.05 | ||
| Q1 25 | $0.51 | $-0.18 | ||
| Q4 24 | $0.55 | $-0.17 | ||
| Q3 24 | $0.49 | $-1.81 | ||
| Q2 24 | $0.52 | $-0.06 | ||
| Q1 24 | $0.37 | $-0.13 |
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 | — | $17.0M |
| 总债务越低越好 | $4.1B | $387.0M |
| 股东权益账面价值 | $19.0B | $1.5B |
| 总资产 | $158.8B | $3.3B |
| 负债/权益比越低杠杆越低 | 0.22× | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资RFRXO
| Q4 25 | — | $17.0M | ||
| Q3 25 | — | $25.0M | ||
| Q2 25 | — | $18.0M | ||
| Q1 25 | — | $16.0M | ||
| Q4 24 | — | $35.0M | ||
| Q3 24 | — | $55.0M | ||
| Q2 24 | — | $7.0M | ||
| Q1 24 | — | $7.0M |
总债务RFRXO
| Q4 25 | $4.1B | $387.0M | ||
| Q3 25 | $4.8B | $387.0M | ||
| Q2 25 | $5.3B | $387.0M | ||
| Q1 25 | $6.0B | $387.0M | ||
| Q4 24 | $6.0B | $351.0M | ||
| Q3 24 | $6.0B | $352.0M | ||
| Q2 24 | $5.1B | $370.0M | ||
| Q1 24 | $3.3B | $351.0M |
股东权益RFRXO
| Q4 25 | $19.0B | $1.5B | ||
| Q3 25 | $19.0B | $1.6B | ||
| Q2 25 | $18.7B | $1.6B | ||
| Q1 25 | $18.5B | $1.6B | ||
| Q4 24 | $17.9B | $1.6B | ||
| Q3 24 | $18.7B | $1.7B | ||
| Q2 24 | $17.2B | $579.0M | ||
| Q1 24 | $17.0B | $582.0M |
总资产RFRXO
| Q4 25 | $158.8B | $3.3B | ||
| Q3 25 | $159.9B | $3.2B | ||
| Q2 25 | $159.2B | $3.2B | ||
| Q1 25 | $159.8B | $3.3B | ||
| Q4 24 | $157.3B | $3.4B | ||
| Q3 24 | $157.4B | $3.4B | ||
| Q2 24 | $154.1B | $1.8B | ||
| Q1 24 | $154.9B | $1.8B |
负债/权益比RFRXO
| Q4 25 | 0.22× | 0.25× | ||
| Q3 25 | 0.25× | 0.24× | ||
| Q2 25 | 0.28× | 0.24× | ||
| Q1 25 | 0.32× | 0.24× | ||
| Q4 24 | 0.34× | 0.22× | ||
| Q3 24 | 0.32× | 0.21× | ||
| Q2 24 | 0.30× | 0.64× | ||
| Q1 24 | 0.20× | 0.60× |
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 | $7.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-9.0M |
| 自由现金流率自由现金流/营收 | — | -0.6% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 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 | — | $-8.0M |
8季度趋势，按日历期对齐
经营现金流RFRXO
| Q4 25 | $-319.0M | $7.0M | ||
| Q3 25 | $861.0M | $23.0M | ||
| Q2 25 | $573.0M | $23.0M | ||
| Q1 25 | $1.1B | $-2.0M | ||
| Q4 24 | $-220.0M | $-7.0M | ||
| Q3 24 | $1.3B | $-7.0M | ||
| Q2 24 | $161.0M | $-5.0M | ||
| Q1 24 | $396.0M | $7.0M |
自由现金流RFRXO
| Q4 25 | — | $-9.0M | ||
| Q3 25 | — | $9.0M | ||
| Q2 25 | — | $9.0M | ||
| Q1 25 | — | $-17.0M | ||
| Q4 24 | — | $-19.0M | ||
| Q3 24 | — | $-18.0M | ||
| Q2 24 | — | $-16.0M | ||
| Q1 24 | — | $-4.0M |
自由现金流率RFRXO
| Q4 25 | — | -0.6% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | -1.2% | ||
| Q4 24 | — | -1.1% | ||
| Q3 24 | — | -1.7% | ||
| Q2 24 | — | -1.7% | ||
| Q1 24 | — | -0.4% |
资本支出强度RFRXO
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.2% |
现金转化率RFRXO
| 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% |
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
