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Regions Financial Corporation（RF）与SERVICE CORP INTERNATIONAL（SCI）财务数据对比。点击上方公司名可切换其他公司
Regions Financial Corporation的季度营收约是SERVICE CORP INTERNATIONAL的1.2倍（$1.3B vs $1.1B），Regions Financial Corporation净利率更高（41.7% vs 14.3%，领先27.3%），Regions Financial Corporation同比增速更快（4.1% vs 1.7%），过去两年Regions Financial Corporation的营收复合增速更高（4.0% vs 3.1%）
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。
国际配送服务有限公司（IDS）是英国邮政及快递服务提供商，2013年由英国政府设立，作为皇家邮政的控股母公司，多数股权随后在伦敦证券交易所公开发售，当时政府保留30%股份。截至2025年4月，该公司由丹尼尔·克雷廷斯基旗下捷克EP集团持有运营。
RF vs SCI — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $1.1B |
| 净利润 | $534.0M | $159.4M |
| 毛利率 | — | 28.0% |
| 营业利润率 | 55.3% | 24.8% |
| 净利率 | 41.7% | 14.3% |
| 营收同比 | 4.1% | 1.7% |
| 净利润同比 | 0.0% | 5.3% |
| 每股收益（稀释后） | $0.59 | $1.13 |
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 | $1.1B | ||
| Q3 25 | $1.3B | $1.1B | ||
| Q2 25 | $1.3B | $1.1B | ||
| Q1 25 | $1.2B | $1.1B | ||
| Q4 24 | $1.2B | $1.1B | ||
| Q3 24 | $1.2B | $1.0B | ||
| Q2 24 | $1.2B | $1.0B | ||
| Q1 24 | $1.2B | $1.0B |
| Q4 25 | $534.0M | $159.4M | ||
| Q3 25 | $569.0M | $117.5M | ||
| Q2 25 | $563.0M | $122.9M | ||
| Q1 25 | $490.0M | $142.9M | ||
| Q4 24 | $534.0M | $151.4M | ||
| Q3 24 | $490.0M | $117.8M | ||
| Q2 24 | $501.0M | $118.2M | ||
| Q1 24 | $368.0M | $131.3M |
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 25.1% | ||
| Q2 25 | — | 25.5% | ||
| Q1 25 | — | 27.1% | ||
| Q4 24 | — | 28.0% | ||
| Q3 24 | — | 24.9% | ||
| Q2 24 | — | 24.9% | ||
| Q1 24 | — | 26.2% |
| Q4 25 | 55.3% | 24.8% | ||
| Q3 25 | 56.3% | 21.4% | ||
| Q2 25 | 56.1% | 21.1% | ||
| Q1 25 | 52.0% | 23.4% | ||
| Q4 24 | 53.4% | 24.0% | ||
| Q3 24 | 49.9% | 20.9% | ||
| Q2 24 | 52.7% | 21.4% | ||
| Q1 24 | 39.2% | 22.2% |
| Q4 25 | 41.7% | 14.3% | ||
| Q3 25 | 45.3% | 11.1% | ||
| Q2 25 | 44.7% | 11.5% | ||
| Q1 25 | 41.0% | 13.3% | ||
| Q4 24 | 43.4% | 13.8% | ||
| Q3 24 | 40.2% | 11.6% | ||
| Q2 24 | 42.2% | 11.4% | ||
| Q1 24 | 31.1% | 12.6% |
| Q4 25 | $0.59 | $1.13 | ||
| Q3 25 | $0.61 | $0.83 | ||
| Q2 25 | $0.59 | $0.86 | ||
| Q1 25 | $0.51 | $0.98 | ||
| Q4 24 | $0.55 | $1.02 | ||
| Q3 24 | $0.49 | $0.81 | ||
| Q2 24 | $0.52 | $0.81 | ||
| Q1 24 | $0.37 | $0.89 |
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 | — | $243.6M |
| 总债务越低越好 | $4.1B | $5.1B |
| 股东权益账面价值 | $19.0B | $1.6B |
| 总资产 | $158.8B | $18.7B |
| 负债/权益比越低杠杆越低 | 0.22× | 3.10× |
8季度趋势，按日历期对齐
| Q4 25 | — | $243.6M | ||
| Q3 25 | — | $241.3M | ||
| Q2 25 | — | $255.4M | ||
| Q1 25 | — | $227.2M | ||
| Q4 24 | — | $218.8M | ||
| Q3 24 | — | $185.4M | ||
| Q2 24 | — | $184.4M | ||
| Q1 24 | — | $205.6M |
| Q4 25 | $4.1B | $5.1B | ||
| Q3 25 | $4.8B | $5.0B | ||
| Q2 25 | $5.3B | $5.0B | ||
| Q1 25 | $6.0B | $4.7B | ||
| Q4 24 | $6.0B | $4.8B | ||
| Q3 24 | $6.0B | $4.7B | ||
| Q2 24 | $5.1B | $4.7B | ||
| Q1 24 | $3.3B | $4.6B |
| Q4 25 | $19.0B | $1.6B | ||
| Q3 25 | $19.0B | $1.6B | ||
| Q2 25 | $18.7B | $1.6B | ||
| Q1 25 | $18.5B | $1.7B | ||
| Q4 24 | $17.9B | $1.7B | ||
| Q3 24 | $18.7B | $1.6B | ||
| Q2 24 | $17.2B | $1.5B | ||
| Q1 24 | $17.0B | $1.6B |
| Q4 25 | $158.8B | $18.7B | ||
| Q3 25 | $159.9B | $18.4B | ||
| Q2 25 | $159.2B | $18.0B | ||
| Q1 25 | $159.8B | $17.3B | ||
| Q4 24 | $157.3B | $17.4B | ||
| Q3 24 | $157.4B | $17.4B | ||
| Q2 24 | $154.1B | $16.8B | ||
| Q1 24 | $154.9B | $16.7B |
| Q4 25 | 0.22× | 3.10× | ||
| Q3 25 | 0.25× | 3.17× | ||
| Q2 25 | 0.28× | 3.19× | ||
| Q1 25 | 0.32× | 2.87× | ||
| Q4 24 | 0.34× | 2.83× | ||
| Q3 24 | 0.32× | 2.92× | ||
| Q2 24 | 0.30× | 3.05× | ||
| Q1 24 | 0.20× | 2.90× |
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 | $212.9M |
| 自由现金流经营现金流 - 资本支出 | — | $87.2M |
| 自由现金流率自由现金流/营收 | — | 7.8% |
| 资本支出强度资本支出/营收 | — | 11.3% |
| 现金转化率经营现金流/净利润 | -0.60× | 1.34× |
| 过去12个月自由现金流最近4个季度 | — | $554.2M |
8季度趋势，按日历期对齐
| Q4 25 | $-319.0M | $212.9M | ||
| Q3 25 | $861.0M | $252.3M | ||
| Q2 25 | $573.0M | $166.4M | ||
| Q1 25 | $1.1B | $311.1M | ||
| Q4 24 | $-220.0M | $264.1M | ||
| Q3 24 | $1.3B | $263.8M | ||
| Q2 24 | $161.0M | $196.9M | ||
| Q1 24 | $396.0M | $220.1M |
| Q4 25 | — | $87.2M | ||
| Q3 25 | — | $150.7M | ||
| Q2 25 | — | $83.4M | ||
| Q1 25 | — | $233.0M | ||
| Q4 24 | — | $151.8M | ||
| Q3 24 | — | $162.8M | ||
| Q2 24 | — | $100.8M | ||
| Q1 24 | — | $140.3M |
| Q4 25 | — | 7.8% | ||
| Q3 25 | — | 14.2% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 21.7% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 16.1% | ||
| Q2 24 | — | 9.7% | ||
| Q1 24 | — | 13.4% |
| Q4 25 | — | 11.3% | ||
| Q3 25 | — | 9.6% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 7.3% | ||
| Q4 24 | — | 10.3% | ||
| Q3 24 | — | 10.0% | ||
| Q2 24 | — | 9.3% | ||
| Q1 24 | — | 7.6% |
| Q4 25 | -0.60× | 1.34× | ||
| Q3 25 | 1.51× | 2.15× | ||
| Q2 25 | 1.02× | 1.35× | ||
| Q1 25 | 2.18× | 2.18× | ||
| Q4 24 | -0.41× | 1.75× | ||
| Q3 24 | 2.57× | 2.24× | ||
| Q2 24 | 0.32× | 1.67× | ||
| Q1 24 | 1.08× | 1.68× |
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% |
SCI
| Cemetery | $510.9M | 46% |
| Funeral Matured Preneed Revenue | $196.5M | 18% |
| Cemetery Recognized Preneed Merchandise And Service Revenue | $107.4M | 10% |
| Cemetery Atneed Revenue | $104.9M | 9% |
| CA | $56.4M | 5% |
| Funeral Other Revenue | $54.6M | 5% |
| Cemetery Other Revenue | $40.2M | 4% |
| Nonfuneral Home Revenue | $28.1M | 3% |
| Non Funeral Home Preneed Sales Revenue | $22.0M | 2% |
