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Regions Financial Corporation（RF）与Snap Inc（SNAP）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Snap Inc的1.2倍（$1.9B vs $1.5B），Regions Financial Corporation净利率更高（29.8% vs -5.8%，领先35.7%），Snap Inc同比增速更快（12.1% vs 5.0%），过去两年Regions Financial Corporation的营收复合增速更高（25.7% vs 11.2%）
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。
Snap Inc.是一家美国科技企业，2011年9月16日由埃文·斯皮格尔、鲍比·墨菲和雷吉·布朗联合创立，总部位于加利福尼亚州圣莫尼卡。公司核心产品包括社交应用Snapchat、智能眼镜Spectacles、虚拟形象工具Bitmoji以及营销推广解决方案SnapBoost，2016年9月24日由原Snapchat Inc.更名为现名，覆盖社交、智能硬件等多元业务领域。
RF vs SNAP — 直观对比
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.9B | $1.5B |
| 净利润 | $559.0M | $-89.0M |
| 毛利率 | — | 56.5% |
| 营业利润率 | — | -4.9% |
| 净利率 | 29.8% | -5.8% |
| 营收同比 | 5.0% | 12.1% |
| 净利润同比 | — | 36.3% |
| 每股收益（稀释后） | $0.62 | $-0.05 |
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
| Q1 26 | $1.9B | $1.5B | ||
| Q4 25 | $1.3B | $1.7B | ||
| Q3 25 | $1.3B | $1.5B | ||
| Q2 25 | $1.3B | $1.3B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.6B | ||
| Q3 24 | $1.2B | $1.4B | ||
| Q2 24 | $1.2B | $1.2B |
| Q1 26 | $559.0M | $-89.0M | ||
| Q4 25 | $534.0M | $45.2M | ||
| Q3 25 | $569.0M | $-103.5M | ||
| Q2 25 | $563.0M | $-262.6M | ||
| Q1 25 | $490.0M | $-139.6M | ||
| Q4 24 | $534.0M | $9.1M | ||
| Q3 24 | $490.0M | $-153.2M | ||
| Q2 24 | $501.0M | $-248.6M |
| Q1 26 | — | 56.5% | ||
| Q4 25 | — | 59.1% | ||
| Q3 25 | — | 55.3% | ||
| Q2 25 | — | 51.4% | ||
| Q1 25 | — | 53.1% | ||
| Q4 24 | — | 56.9% | ||
| Q3 24 | — | 53.5% | ||
| Q2 24 | — | 52.4% |
| Q1 26 | — | -4.9% | ||
| Q4 25 | 55.3% | 2.9% | ||
| Q3 25 | 56.3% | -8.5% | ||
| Q2 25 | 56.1% | -19.3% | ||
| Q1 25 | 52.0% | -14.2% | ||
| Q4 24 | 53.4% | -1.7% | ||
| Q3 24 | 49.9% | -12.6% | ||
| Q2 24 | 52.7% | -20.5% |
| Q1 26 | 29.8% | -5.8% | ||
| Q4 25 | 41.7% | 2.6% | ||
| Q3 25 | 45.3% | -6.9% | ||
| Q2 25 | 44.7% | -19.5% | ||
| Q1 25 | 41.0% | -10.2% | ||
| Q4 24 | 43.4% | 0.6% | ||
| Q3 24 | 40.2% | -11.2% | ||
| Q2 24 | 42.2% | -20.1% |
| Q1 26 | $0.62 | $-0.05 | ||
| Q4 25 | $0.59 | $0.03 | ||
| Q3 25 | $0.61 | $-0.06 | ||
| Q2 25 | $0.59 | $-0.16 | ||
| Q1 25 | $0.51 | $-0.08 | ||
| Q4 24 | $0.55 | $0.01 | ||
| Q3 24 | $0.49 | $-0.09 | ||
| Q2 24 | $0.52 | $-0.15 |
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 | — | $1.1B |
| 总债务越低越好 | $6.3B | — |
| 股东权益账面价值 | $18.8B | $2.1B |
| 总资产 | $160.7B | $7.5B |
| 负债/权益比越低杠杆越低 | 0.34× | — |
8季度趋势，按日历期对齐
| Q1 26 | — | $1.1B | ||
| Q4 25 | — | $2.9B | ||
| Q3 25 | — | $3.0B | ||
| Q2 25 | — | $2.9B | ||
| Q1 25 | — | $3.2B | ||
| Q4 24 | — | $3.4B | ||
| Q3 24 | — | $3.2B | ||
| Q2 24 | — | $3.1B |
| Q1 26 | $6.3B | — | ||
| Q4 25 | $4.1B | $3.5B | ||
| Q3 25 | $4.8B | $3.5B | ||
| Q2 25 | $5.3B | $3.6B | ||
| Q1 25 | $6.0B | $3.6B | ||
| Q4 24 | $6.0B | $3.6B | ||
| Q3 24 | $6.0B | $3.6B | ||
| Q2 24 | $5.1B | $3.6B |
| Q1 26 | $18.8B | $2.1B | ||
| Q4 25 | $19.0B | $2.3B | ||
| Q3 25 | $19.0B | $2.2B | ||
| Q2 25 | $18.7B | $2.1B | ||
| Q1 25 | $18.5B | $2.3B | ||
| Q4 24 | $17.9B | $2.5B | ||
| Q3 24 | $18.7B | $2.2B | ||
| Q2 24 | $17.2B | $2.1B |
| Q1 26 | $160.7B | $7.5B | ||
| Q4 25 | $158.8B | $7.7B | ||
| Q3 25 | $159.9B | $7.6B | ||
| Q2 25 | $159.2B | $7.4B | ||
| Q1 25 | $159.8B | $7.6B | ||
| Q4 24 | $157.3B | $7.9B | ||
| Q3 24 | $157.4B | $7.6B | ||
| Q2 24 | $154.1B | $7.4B |
| Q1 26 | 0.34× | — | ||
| Q4 25 | 0.22× | 1.55× | ||
| Q3 25 | 0.25× | 1.59× | ||
| Q2 25 | 0.28× | 1.73× | ||
| Q1 25 | 0.32× | 1.56× | ||
| Q4 24 | 0.34× | 1.49× | ||
| Q3 24 | 0.32× | 1.65× | ||
| Q2 24 | 0.30× | 1.76× |
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 | — | $326.8M |
| 自由现金流经营现金流 - 资本支出 | — | $286.0M |
| 自由现金流率自由现金流/营收 | — | 18.7% |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $608.8M |
8季度趋势，按日历期对齐
| Q1 26 | — | $326.8M | ||
| Q4 25 | $-319.0M | $269.6M | ||
| Q3 25 | $861.0M | $146.5M | ||
| Q2 25 | $573.0M | $88.5M | ||
| Q1 25 | $1.1B | $151.6M | ||
| Q4 24 | $-220.0M | $230.6M | ||
| Q3 24 | $1.3B | $115.9M | ||
| Q2 24 | $161.0M | $-21.4M |
| Q1 26 | — | $286.0M | ||
| Q4 25 | — | $205.6M | ||
| Q3 25 | — | $93.4M | ||
| Q2 25 | — | $23.8M | ||
| Q1 25 | — | $114.4M | ||
| Q4 24 | — | $182.4M | ||
| Q3 24 | — | $71.8M | ||
| Q2 24 | — | $-73.4M |
| Q1 26 | — | 18.7% | ||
| Q4 25 | — | 12.0% | ||
| Q3 25 | — | 6.2% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 8.4% | ||
| Q4 24 | — | 11.7% | ||
| Q3 24 | — | 5.2% | ||
| Q2 24 | — | -5.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.7% | ||
| Q3 25 | — | 3.5% | ||
| Q2 25 | — | 4.8% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 4.2% |
| Q1 26 | — | — | ||
| Q4 25 | -0.60× | 5.96× | ||
| Q3 25 | 1.51× | — | ||
| Q2 25 | 1.02× | — | ||
| Q1 25 | 2.18× | — | ||
| Q4 24 | -0.41× | 25.34× | ||
| Q3 24 | 2.57× | — | ||
| Q2 24 | 0.32× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
