vs
Regions Financial Corporation（RF）与VinFast Auto Ltd.（VFS）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VinFast Auto Ltd.的1.8倍（$1.3B vs $718.6M），Regions Financial Corporation净利率更高（41.7% vs -2.8%，领先44.5%）
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。
VinFast Auto Ltd.是越南跨国汽车企业，由越南最大私营综合企业集团之一Vingroup创立。Vingroup由越南知名企业家潘日旺创办，业务覆盖地产、零售、医疗、科技等多个领域，是越南本土头部企业集团。
RF vs VFS — 直观对比
营收规模更大
RF
是对方的1.8倍
$718.6M
净利率更高
RF
高出44.5%
-2.8%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $718.6M |
| 净利润 | $534.0M | $-20.0M |
| 毛利率 | — | — |
| 营业利润率 | 55.3% | -96.1% |
| 净利率 | 41.7% | -2.8% |
| 营收同比 | 4.1% | — |
| 净利润同比 | 0.0% | — |
| 每股收益（稀释后） | $0.59 | — |
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RFVFS
| Q4 25 | $1.3B | — | ||
| Q3 25 | $1.3B | $718.6M | ||
| Q2 25 | $1.3B | $663.0M | ||
| Q1 25 | $1.2B | $656.5M | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | $511.6M | ||
| Q2 24 | $1.2B | — | ||
| Q1 24 | $1.2B | $302.6M |
净利润RFVFS
| Q4 25 | $534.0M | — | ||
| Q3 25 | $569.0M | $-20.0M | ||
| Q2 25 | $563.0M | $-51.8M | ||
| Q1 25 | $490.0M | $-26.1M | ||
| Q4 24 | $534.0M | — | ||
| Q3 24 | $490.0M | $-10.4M | ||
| Q2 24 | $501.0M | — | ||
| Q1 24 | $368.0M | $-618.3M |
营业利润率RFVFS
| Q4 25 | 55.3% | — | ||
| Q3 25 | 56.3% | -96.1% | ||
| Q2 25 | 56.1% | -79.0% | ||
| Q1 25 | 52.0% | -74.0% | ||
| Q4 24 | 53.4% | — | ||
| Q3 24 | 49.9% | -65.9% | ||
| Q2 24 | 52.7% | — | ||
| Q1 24 | 39.2% | -139.4% |
净利率RFVFS
| Q4 25 | 41.7% | — | ||
| Q3 25 | 45.3% | -2.8% | ||
| Q2 25 | 44.7% | -7.8% | ||
| Q1 25 | 41.0% | -4.0% | ||
| Q4 24 | 43.4% | — | ||
| Q3 24 | 40.2% | -2.0% | ||
| Q2 24 | 42.2% | — | ||
| Q1 24 | 31.1% | -204.3% |
每股收益（稀释后）RFVFS
| Q4 25 | $0.59 | — | ||
| Q3 25 | $0.61 | — | ||
| Q2 25 | $0.59 | — | ||
| Q1 25 | $0.51 | — | ||
| Q4 24 | $0.55 | — | ||
| Q3 24 | $0.49 | — | ||
| Q2 24 | $0.52 | — | ||
| Q1 24 | $0.37 | — |
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 | — | $8.8M |
| 总债务越低越好 | $4.1B | — |
| 股东权益账面价值 | $19.0B | — |
| 总资产 | $158.8B | $183.2M |
| 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RFVFS
| Q4 25 | — | — | ||
| Q3 25 | — | $8.8M | ||
| Q2 25 | — | $650.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $1.9M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $3.0M |
总债务RFVFS
| 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RFVFS
| Q4 25 | $19.0B | — | ||
| Q3 25 | $19.0B | — | ||
| Q2 25 | $18.7B | $-7.2B | ||
| Q1 25 | $18.5B | — | ||
| Q4 24 | $17.9B | — | ||
| Q3 24 | $18.7B | — | ||
| Q2 24 | $17.2B | — | ||
| Q1 24 | $17.0B | — |
总资产RFVFS
| Q4 25 | $158.8B | — | ||
| Q3 25 | $159.9B | $183.2M | ||
| Q2 25 | $159.2B | $7.2B | ||
| Q1 25 | $159.8B | $158.2M | ||
| Q4 24 | $157.3B | — | ||
| Q3 24 | $157.4B | $151.8M | ||
| Q2 24 | $154.1B | — | ||
| Q1 24 | $154.9B | $145.6M |
负债/权益比RFVFS
| 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 | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 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 | -0.60× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流RFVFS
| Q4 25 | $-319.0M | — | ||
| Q3 25 | $861.0M | — | ||
| Q2 25 | $573.0M | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $-220.0M | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $161.0M | — | ||
| Q1 24 | $396.0M | — |
现金转化率RFVFS
| 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% |
VFS
| Sales of vehicles | $662.9M | 92% |
| Sales of spare parts and components | $41.3M | 6% |
| Revenue from leasing activities | $12.3M | 2% |
| Finance income | $2.4M | 0% |
| Rendering of services | $1.2M | 0% |
