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Regions Financial Corporation（RF）与SIGNET JEWELERS LTD（SIG）财务数据对比。点击上方公司名可切换其他公司
SIGNET JEWELERS LTD的季度营收约是Regions Financial Corporation的1.1倍（$1.4B vs $1.3B），Regions Financial Corporation净利率更高（41.7% vs 1.4%，领先40.2%），Regions Financial Corporation同比增速更快（4.1% vs 3.1%），过去两年Regions Financial Corporation的营收复合增速更高（4.0% vs -25.4%）
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。
Signet Jewelers是全球最大的钻石珠宝零售商，注册地位于百慕大，总部设在美国俄亥俄州阿克伦的费尔劳恩郊区，在纽约证券交易所上市。公司主打中端珠宝市场，旗下拥有Blue Nile、Zales、Kay等知名品牌，在美国、加拿大、英国的专业珠宝市场均占据龙头地位，部分品牌布局中高端赛道。
RF vs SIG — 直观对比
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $1.4B |
| 净利润 | $534.0M | $20.0M |
| 毛利率 | — | 37.3% |
| 营业利润率 | 55.3% | 1.7% |
| 净利率 | 41.7% | 1.4% |
| 营收同比 | 4.1% | 3.1% |
| 净利润同比 | 0.0% | 185.7% |
| 每股收益（稀释后） | $0.59 | $0.49 |
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 | $1.4B | ||
| Q3 25 | $1.3B | $1.5B | ||
| Q2 25 | $1.3B | $1.5B | ||
| Q1 25 | $1.2B | $2.4B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.5B | ||
| Q2 24 | $1.2B | $1.5B | ||
| Q1 24 | $1.2B | $2.5B |
| Q4 25 | $534.0M | $20.0M | ||
| Q3 25 | $569.0M | $-9.1M | ||
| Q2 25 | $563.0M | $33.5M | ||
| Q1 25 | $490.0M | $100.6M | ||
| Q4 24 | $534.0M | $7.0M | ||
| Q3 24 | $490.0M | $-98.5M | ||
| Q2 24 | $501.0M | $52.1M | ||
| Q1 24 | $368.0M | $626.2M |
| Q4 25 | — | 37.3% | ||
| Q3 25 | — | 38.6% | ||
| Q2 25 | — | 38.8% | ||
| Q1 25 | — | 42.6% | ||
| Q4 24 | — | 36.0% | ||
| Q3 24 | — | 38.0% | ||
| Q2 24 | — | 37.9% | ||
| Q1 24 | — | 43.3% |
| Q4 25 | 55.3% | 1.7% | ||
| Q3 25 | 56.3% | 0.2% | ||
| Q2 25 | 56.1% | 3.1% | ||
| Q1 25 | 52.0% | 6.5% | ||
| Q4 24 | 53.4% | 0.7% | ||
| Q3 24 | 49.9% | -6.8% | ||
| Q2 24 | 52.7% | 3.3% | ||
| Q1 24 | 39.2% | 16.7% |
| Q4 25 | 41.7% | 1.4% | ||
| Q3 25 | 45.3% | -0.6% | ||
| Q2 25 | 44.7% | 2.2% | ||
| Q1 25 | 41.0% | 4.3% | ||
| Q4 24 | 43.4% | 0.5% | ||
| Q3 24 | 40.2% | -6.6% | ||
| Q2 24 | 42.2% | 3.4% | ||
| Q1 24 | 31.1% | 25.1% |
| Q4 25 | $0.59 | $0.49 | ||
| Q3 25 | $0.61 | $-0.22 | ||
| Q2 25 | $0.59 | $0.78 | ||
| Q1 25 | $0.51 | $2.25 | ||
| Q4 24 | $0.55 | $0.12 | ||
| Q3 24 | $0.49 | $-2.28 | ||
| Q2 24 | $0.52 | $-0.90 | ||
| Q1 24 | $0.37 | $11.77 |
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 | — | $234.7M |
| 总债务越低越好 | $4.1B | — |
| 股东权益账面价值 | $19.0B | $1.7B |
| 总资产 | $158.8B | $5.4B |
| 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 | — | $234.7M | ||
| Q3 25 | — | $281.4M | ||
| Q2 25 | — | $264.1M | ||
| Q1 25 | — | $604.0M | ||
| Q4 24 | — | $157.7M | ||
| Q3 24 | — | $403.1M | ||
| Q2 24 | — | $729.3M | ||
| Q1 24 | — | $1.4B |
| 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 | — |
| Q4 25 | $19.0B | $1.7B | ||
| Q3 25 | $19.0B | $1.7B | ||
| Q2 25 | $18.7B | $1.8B | ||
| Q1 25 | $18.5B | $1.9B | ||
| Q4 24 | $17.9B | $1.8B | ||
| Q3 24 | $18.7B | $1.9B | ||
| Q2 24 | $17.2B | $2.1B | ||
| Q1 24 | $17.0B | $2.2B |
| Q4 25 | $158.8B | $5.4B | ||
| Q3 25 | $159.9B | $5.3B | ||
| Q2 25 | $159.2B | $5.5B | ||
| Q1 25 | $159.8B | $5.7B | ||
| Q4 24 | $157.3B | $5.7B | ||
| Q3 24 | $157.4B | $5.6B | ||
| Q2 24 | $154.1B | $6.2B | ||
| Q1 24 | $154.9B | $6.8B |
| 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 | $31.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.5M |
| 自由现金流率自由现金流/营收 | — | -0.1% |
| 资本支出强度资本支出/营收 | — | 2.3% |
| 现金转化率经营现金流/净利润 | -0.60× | 1.55× |
| 过去12个月自由现金流最近4个季度 | — | $591.0M |
8季度趋势，按日历期对齐
| Q4 25 | $-319.0M | $31.0M | ||
| Q3 25 | $861.0M | $86.3M | ||
| Q2 25 | $573.0M | $-175.3M | ||
| Q1 25 | $1.1B | $780.7M | ||
| Q4 24 | $-220.0M | $-75.4M | ||
| Q3 24 | $1.3B | $43.8M | ||
| Q2 24 | $161.0M | $-158.2M | ||
| Q1 24 | $396.0M | $752.2M |
| Q4 25 | — | $-1.5M | ||
| Q3 25 | — | $62.3M | ||
| Q2 25 | — | $-211.9M | ||
| Q1 25 | — | $742.1M | ||
| Q4 24 | — | $-138.5M | ||
| Q3 24 | — | $15.8M | ||
| Q2 24 | — | $-181.5M | ||
| Q1 24 | — | $716.1M |
| Q4 25 | — | -0.1% | ||
| Q3 25 | — | 4.1% | ||
| Q2 25 | — | -13.7% | ||
| Q1 25 | — | 31.5% | ||
| Q4 24 | — | -10.3% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | -12.0% | ||
| Q1 24 | — | 28.7% |
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 4.7% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | 1.4% |
| Q4 25 | -0.60× | 1.55× | ||
| Q3 25 | 1.51× | — | ||
| Q2 25 | 1.02× | -5.23× | ||
| Q1 25 | 2.18× | 7.76× | ||
| Q4 24 | -0.41× | -10.77× | ||
| Q3 24 | 2.57× | — | ||
| Q2 24 | 0.32× | -3.04× | ||
| Q1 24 | 1.08× | 1.20× |
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% |
SIG
| Other | $571.9M | 41% |
| Zale Jewelry | $243.4M | 17% |
| Extended Service Plan | $129.6M | 9% |
| Diamonds Direct | $87.9M | 6% |
| Blue Nile | $74.3M | 5% |
| Extended Service Plan And Other Deferred Revenue | $69.9M | 5% |
| Banter By Piercing Pagoda | $69.2M | 5% |
| Watches | $48.7M | 3% |
| Peoples | $42.2M | 3% |
| James Allen | $27.8M | 2% |
