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Regions Financial Corporation（RF）与Workday, Inc.（WDAY）财务数据对比。点击上方公司名可切换其他公司
Workday, Inc.的季度营收约是Regions Financial Corporation的1.9倍（$2.4B vs $1.3B），Regions Financial Corporation净利率更高（41.7% vs 10.4%，领先31.3%），Workday, Inc.同比增速更快（12.6% vs 4.1%），过去两年Workday, Inc.的营收复合增速更高（12.5% 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。
Workday是全球领先的企业级云软件供应商，核心产品覆盖人力资本管理、财务管理及企业资源规划解决方案，主要服务教育、医疗、金融、科技等行业的中大型机构，业务遍布北美、欧洲、亚太等全球主要市场。
RF vs WDAY — 直观对比
营收规模更大
WDAY
是对方的1.9倍
$1.3B
营收增速更快
WDAY
高出8.4%
4.1%
净利率更高
RF
高出31.3%
10.4%
两年增速更快
WDAY
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $2.4B |
| 净利润 | $534.0M | $252.0M |
| 毛利率 | — | — |
| 营业利润率 | 55.3% | 10.6% |
| 净利率 | 41.7% | 10.4% |
| 营收同比 | 4.1% | 12.6% |
| 净利润同比 | 0.0% | 30.6% |
| 每股收益（稀释后） | $0.59 | $0.94 |
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RFWDAY
| Q4 25 | $1.3B | $2.4B | ||
| Q3 25 | $1.3B | $2.3B | ||
| Q2 25 | $1.3B | $2.2B | ||
| Q1 25 | $1.2B | $2.2B | ||
| Q4 24 | $1.2B | $2.2B | ||
| Q3 24 | $1.2B | $2.1B | ||
| Q2 24 | $1.2B | $2.0B | ||
| Q1 24 | $1.2B | $1.9B |
净利润RFWDAY
| Q4 25 | $534.0M | $252.0M | ||
| Q3 25 | $569.0M | $228.0M | ||
| Q2 25 | $563.0M | $68.0M | ||
| Q1 25 | $490.0M | $94.0M | ||
| Q4 24 | $534.0M | $193.0M | ||
| Q3 24 | $490.0M | $132.0M | ||
| Q2 24 | $501.0M | $107.0M | ||
| Q1 24 | $368.0M | $1.2B |
营业利润率RFWDAY
| Q4 25 | 55.3% | 10.6% | ||
| Q3 25 | 56.3% | 10.6% | ||
| Q2 25 | 56.1% | 1.7% | ||
| Q1 25 | 52.0% | 3.4% | ||
| Q4 24 | 53.4% | 7.6% | ||
| Q3 24 | 49.9% | 5.3% | ||
| Q2 24 | 52.7% | 3.2% | ||
| Q1 24 | 39.2% | 4.1% |
净利率RFWDAY
| Q4 25 | 41.7% | 10.4% | ||
| Q3 25 | 45.3% | 9.7% | ||
| Q2 25 | 44.7% | 3.0% | ||
| Q1 25 | 41.0% | 4.3% | ||
| Q4 24 | 43.4% | 8.9% | ||
| Q3 24 | 40.2% | 6.3% | ||
| Q2 24 | 42.2% | 5.4% | ||
| Q1 24 | 31.1% | 61.8% |
每股收益（稀释后）RFWDAY
| Q4 25 | $0.59 | $0.94 | ||
| Q3 25 | $0.61 | $0.84 | ||
| Q2 25 | $0.59 | $0.25 | ||
| Q1 25 | $0.51 | $0.34 | ||
| Q4 24 | $0.55 | $0.72 | ||
| Q3 24 | $0.49 | $0.49 | ||
| Q2 24 | $0.52 | $0.40 | ||
| Q1 24 | $0.37 | $4.48 |
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 | — | $6.8B |
| 总债务越低越好 | $4.1B | — |
| 股东权益账面价值 | $19.0B | $8.9B |
| 总资产 | $158.8B | $17.8B |
| 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RFWDAY
| Q4 25 | — | $6.8B | ||
| Q3 25 | — | $8.2B | ||
| Q2 25 | — | $8.0B | ||
| Q1 25 | — | $8.0B | ||
| Q4 24 | — | $7.2B | ||
| Q3 24 | — | $7.4B | ||
| Q2 24 | — | $7.2B | ||
| Q1 24 | — | $7.8B |
总债务RFWDAY
| 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 | $3.0B | ||
| Q1 24 | $3.3B | $3.0B |
股东权益RFWDAY
| Q4 25 | $19.0B | $8.9B | ||
| Q3 25 | $19.0B | $9.2B | ||
| Q2 25 | $18.7B | $8.9B | ||
| Q1 25 | $18.5B | $9.0B | ||
| Q4 24 | $17.9B | $8.6B | ||
| Q3 24 | $18.7B | $8.3B | ||
| Q2 24 | $17.2B | $8.2B | ||
| Q1 24 | $17.0B | $8.1B |
总资产RFWDAY
| Q4 25 | $158.8B | $17.8B | ||
| Q3 25 | $159.9B | $18.0B | ||
| Q2 25 | $159.2B | $17.2B | ||
| Q1 25 | $159.8B | $18.0B | ||
| Q4 24 | $157.3B | $16.4B | ||
| Q3 24 | $157.4B | $16.2B | ||
| Q2 24 | $154.1B | $15.9B | ||
| Q1 24 | $154.9B | $16.5B |
负债/权益比RFWDAY
| 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× | 0.37× | ||
| Q1 24 | 0.20× | 0.37× |
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 | $588.0M |
| 自由现金流经营现金流 - 资本支出 | — | $550.0M |
| 自由现金流率自由现金流/营收 | — | 22.6% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | -0.60× | 2.33× |
| 过去12个月自由现金流最近4个季度 | — | $2.6B |
8季度趋势，按日历期对齐
经营现金流RFWDAY
| Q4 25 | $-319.0M | $588.0M | ||
| Q3 25 | $861.0M | $616.0M | ||
| Q2 25 | $573.0M | $457.0M | ||
| Q1 25 | $1.1B | $1.1B | ||
| Q4 24 | $-220.0M | $406.0M | ||
| Q3 24 | $1.3B | $571.0M | ||
| Q2 24 | $161.0M | $372.0M | ||
| Q1 24 | $396.0M | $995.6M |
自由现金流RFWDAY
| Q4 25 | — | $550.0M | ||
| Q3 25 | — | $588.0M | ||
| Q2 25 | — | $421.0M | ||
| Q1 25 | — | $1.0B | ||
| Q4 24 | — | $359.0M | ||
| Q3 24 | — | $516.0M | ||
| Q2 24 | — | $291.0M | ||
| Q1 24 | — | $947.6M |
自由现金流率RFWDAY
| Q4 25 | — | 22.6% | ||
| Q3 25 | — | 25.0% | ||
| Q2 25 | — | 18.8% | ||
| Q1 25 | — | 46.4% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 14.6% | ||
| Q1 24 | — | 49.3% |
资本支出强度RFWDAY
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 3.9% | ||
| Q4 24 | — | 2.2% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 4.1% | ||
| Q1 24 | — | 2.5% |
现金转化率RFWDAY
| Q4 25 | -0.60× | 2.33× | ||
| Q3 25 | 1.51× | 2.70× | ||
| Q2 25 | 1.02× | 6.72× | ||
| Q1 25 | 2.18× | 11.83× | ||
| Q4 24 | -0.41× | 2.10× | ||
| Q3 24 | 2.57× | 4.33× | ||
| Q2 24 | 0.32× | 3.48× | ||
| Q1 24 | 1.08× | 0.84× |
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% |
WDAY
| Subscription Services | $2.2B | 92% |
| Professional Services | $188.0M | 8% |
