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Regions Financial Corporation（RF）与Toast, Inc.（TOST）财务数据对比。点击上方公司名可切换其他公司
Toast, Inc.的季度营收约是Regions Financial Corporation的1.3倍（$1.6B vs $1.3B），Regions Financial Corporation净利率更高（41.7% vs 6.2%，领先35.5%），Toast, Inc.同比增速更快（22.0% vs 4.1%），过去两年Toast, Inc.的营收复合增速更高（23.3% 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。
Toast, Inc.是总部位于美国马萨诸塞州波士顿的云餐饮管理软件企业，主打基于安卓操作系统研发的一体化销售点（POS）系统，可为餐饮商家提供涵盖收银、订单管理等在内的全场景门店经营解决方案。
RF vs TOST — 直观对比
营收规模更大
TOST
是对方的1.3倍
$1.3B
营收增速更快
TOST
高出17.9%
4.1%
净利率更高
RF
高出35.5%
6.2%
两年增速更快
TOST
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $1.6B |
| 净利润 | $534.0M | $101.0M |
| 毛利率 | — | 25.9% |
| 营业利润率 | 55.3% | 5.2% |
| 净利率 | 41.7% | 6.2% |
| 营收同比 | 4.1% | 22.0% |
| 净利润同比 | 0.0% | 215.6% |
| 每股收益（稀释后） | $0.59 | $0.18 |
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RFTOST
| Q4 25 | $1.3B | $1.6B | ||
| Q3 25 | $1.3B | $1.6B | ||
| Q2 25 | $1.3B | $1.6B | ||
| Q1 25 | $1.2B | $1.3B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.3B | ||
| Q2 24 | $1.2B | $1.2B | ||
| Q1 24 | $1.2B | $1.1B |
净利润RFTOST
| Q4 25 | $534.0M | $101.0M | ||
| Q3 25 | $569.0M | $105.0M | ||
| Q2 25 | $563.0M | $80.0M | ||
| Q1 25 | $490.0M | $56.0M | ||
| Q4 24 | $534.0M | $32.0M | ||
| Q3 24 | $490.0M | $56.0M | ||
| Q2 24 | $501.0M | $14.0M | ||
| Q1 24 | $368.0M | $-83.0M |
毛利率RFTOST
| Q4 25 | — | 25.9% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 23.0% | ||
| Q1 24 | — | 23.2% |
营业利润率RFTOST
| Q4 25 | 55.3% | 5.2% | ||
| Q3 25 | 56.3% | 5.1% | ||
| Q2 25 | 56.1% | 5.2% | ||
| Q1 25 | 52.0% | 3.2% | ||
| Q4 24 | 53.4% | 2.5% | ||
| Q3 24 | 49.9% | 2.6% | ||
| Q2 24 | 52.7% | 0.4% | ||
| Q1 24 | 39.2% | -5.2% |
净利率RFTOST
| Q4 25 | 41.7% | 6.2% | ||
| Q3 25 | 45.3% | 6.4% | ||
| Q2 25 | 44.7% | 5.2% | ||
| Q1 25 | 41.0% | 4.2% | ||
| Q4 24 | 43.4% | 2.4% | ||
| Q3 24 | 40.2% | 4.3% | ||
| Q2 24 | 42.2% | 1.1% | ||
| Q1 24 | 31.1% | -7.7% |
每股收益（稀释后）RFTOST
| Q4 25 | $0.59 | $0.18 | ||
| Q3 25 | $0.61 | $0.16 | ||
| Q2 25 | $0.59 | $0.13 | ||
| Q1 25 | $0.51 | $0.09 | ||
| Q4 24 | $0.55 | $0.09 | ||
| Q3 24 | $0.49 | $0.07 | ||
| Q2 24 | $0.52 | $0.02 | ||
| Q1 24 | $0.37 | $-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 | — | $1.4B |
| 总债务越低越好 | $4.1B | — |
| 股东权益账面价值 | $19.0B | $2.1B |
| 总资产 | $158.8B | $3.1B |
| 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RFTOST
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $1.0B | ||
| Q4 24 | — | $903.0M | ||
| Q3 24 | — | $761.0M | ||
| Q2 24 | — | $691.0M | ||
| Q1 24 | — | $578.0M |
总债务RFTOST
| 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RFTOST
| Q4 25 | $19.0B | $2.1B | ||
| Q3 25 | $19.0B | $2.0B | ||
| Q2 25 | $18.7B | $1.8B | ||
| Q1 25 | $18.5B | $1.7B | ||
| Q4 24 | $17.9B | $1.5B | ||
| Q3 24 | $18.7B | $1.4B | ||
| Q2 24 | $17.2B | $1.3B | ||
| Q1 24 | $17.0B | $1.2B |
总资产RFTOST
| Q4 25 | $158.8B | $3.1B | ||
| Q3 25 | $159.9B | $3.0B | ||
| Q2 25 | $159.2B | $2.8B | ||
| Q1 25 | $159.8B | $2.6B | ||
| Q4 24 | $157.3B | $2.4B | ||
| Q3 24 | $157.4B | $2.2B | ||
| Q2 24 | $154.1B | $2.2B | ||
| Q1 24 | $154.9B | $2.1B |
负债/权益比RFTOST
| 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 | $194.0M |
| 自由现金流经营现金流 - 资本支出 | — | $178.0M |
| 自由现金流率自由现金流/营收 | — | 10.9% |
| 资本支出强度资本支出/营收 | — | 1.0% |
| 现金转化率经营现金流/净利润 | -0.60× | 1.92× |
| 过去12个月自由现金流最近4个季度 | — | $608.0M |
8季度趋势，按日历期对齐
经营现金流RFTOST
| Q4 25 | $-319.0M | $194.0M | ||
| Q3 25 | $861.0M | $165.0M | ||
| Q2 25 | $573.0M | $223.0M | ||
| Q1 25 | $1.1B | $79.0M | ||
| Q4 24 | $-220.0M | $147.0M | ||
| Q3 24 | $1.3B | $109.0M | ||
| Q2 24 | $161.0M | $124.0M | ||
| Q1 24 | $396.0M | $-20.0M |
自由现金流RFTOST
| Q4 25 | — | $178.0M | ||
| Q3 25 | — | $153.0M | ||
| Q2 25 | — | $208.0M | ||
| Q1 25 | — | $69.0M | ||
| Q4 24 | — | $134.0M | ||
| Q3 24 | — | $97.0M | ||
| Q2 24 | — | $108.0M | ||
| Q1 24 | — | $-33.0M |
自由现金流率RFTOST
| Q4 25 | — | 10.9% | ||
| Q3 25 | — | 9.4% | ||
| Q2 25 | — | 13.4% | ||
| Q1 25 | — | 5.2% | ||
| Q4 24 | — | 10.0% | ||
| Q3 24 | — | 7.4% | ||
| Q2 24 | — | 8.7% | ||
| Q1 24 | — | -3.1% |
资本支出强度RFTOST
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 1.2% |
现金转化率RFTOST
| Q4 25 | -0.60× | 1.92× | ||
| Q3 25 | 1.51× | 1.57× | ||
| Q2 25 | 1.02× | 2.79× | ||
| Q1 25 | 2.18× | 1.41× | ||
| Q4 24 | -0.41× | 4.59× | ||
| Q3 24 | 2.57× | 1.95× | ||
| Q2 24 | 0.32× | 8.86× | ||
| 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% |
TOST
| Technology Service | $1.3B | 82% |
| License | $256.0M | 16% |
| Product And Professional Services | $43.0M | 3% |
