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Regions Financial Corporation（RF）与ZILLOW GROUP, INC.（ZG）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ZILLOW GROUP, INC.的2.0倍（$1.3B vs $654.0M），Regions Financial Corporation净利率更高（41.7% vs 0.5%，领先41.2%），ZILLOW GROUP, INC.同比增速更快（18.1% vs 4.1%），过去两年ZILLOW GROUP, INC.的营收复合增速更高（11.2% 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。
Zillow集团是美国头部房地产科技线上平台企业，2006年由前微软高管里奇·巴顿、劳埃德·弗林克等联合创立，业务涵盖房产信息查询、交易配套服务等，是全球房产科技领域的知名代表企业。
RF vs ZG — 直观对比
营收规模更大
RF
是对方的2.0倍
$654.0M
营收增速更快
ZG
高出13.9%
4.1%
净利率更高
RF
高出41.2%
0.5%
两年增速更快
ZG
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $654.0M |
| 净利润 | $534.0M | $3.0M |
| 毛利率 | — | 72.8% |
| 营业利润率 | 55.3% | -1.7% |
| 净利率 | 41.7% | 0.5% |
| 营收同比 | 4.1% | 18.1% |
| 净利润同比 | 0.0% | 105.8% |
| 每股收益（稀释后） | $0.59 | $0.01 |
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RFZG
| Q4 25 | $1.3B | $654.0M | ||
| Q3 25 | $1.3B | $676.0M | ||
| Q2 25 | $1.3B | $655.0M | ||
| Q1 25 | $1.2B | $598.0M | ||
| Q4 24 | $1.2B | $554.0M | ||
| Q3 24 | $1.2B | $581.0M | ||
| Q2 24 | $1.2B | $572.0M | ||
| Q1 24 | $1.2B | $529.0M |
净利润RFZG
| Q4 25 | $534.0M | $3.0M | ||
| Q3 25 | $569.0M | $10.0M | ||
| Q2 25 | $563.0M | $2.0M | ||
| Q1 25 | $490.0M | $8.0M | ||
| Q4 24 | $534.0M | $-52.0M | ||
| Q3 24 | $490.0M | $-20.0M | ||
| Q2 24 | $501.0M | $-17.0M | ||
| Q1 24 | $368.0M | $-23.0M |
毛利率RFZG
| Q4 25 | — | 72.8% | ||
| Q3 25 | — | 72.6% | ||
| Q2 25 | — | 74.7% | ||
| Q1 25 | — | 76.8% | ||
| Q4 24 | — | 75.8% | ||
| Q3 24 | — | 75.9% | ||
| Q2 24 | — | 77.3% | ||
| Q1 24 | — | 76.7% |
营业利润率RFZG
| Q4 25 | 55.3% | -1.7% | ||
| Q3 25 | 56.3% | -0.4% | ||
| Q2 25 | 56.1% | -1.7% | ||
| Q1 25 | 52.0% | -1.5% | ||
| Q4 24 | 53.4% | -12.5% | ||
| Q3 24 | 49.9% | -7.7% | ||
| Q2 24 | 52.7% | -6.6% | ||
| Q1 24 | 39.2% | -8.5% |
净利率RFZG
| Q4 25 | 41.7% | 0.5% | ||
| Q3 25 | 45.3% | 1.5% | ||
| Q2 25 | 44.7% | 0.3% | ||
| Q1 25 | 41.0% | 1.3% | ||
| Q4 24 | 43.4% | -9.4% | ||
| Q3 24 | 40.2% | -3.4% | ||
| Q2 24 | 42.2% | -3.0% | ||
| Q1 24 | 31.1% | -4.3% |
每股收益（稀释后）RFZG
| Q4 25 | $0.59 | $0.01 | ||
| Q3 25 | $0.61 | $0.04 | ||
| Q2 25 | $0.59 | $0.01 | ||
| Q1 25 | $0.51 | $0.03 | ||
| Q4 24 | $0.55 | $-0.23 | ||
| Q3 24 | $0.49 | $-0.08 | ||
| Q2 24 | $0.52 | $-0.07 | ||
| Q1 24 | $0.37 | $-0.10 |
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 | — | $768.0M |
| 总债务越低越好 | $4.1B | — |
| 股东权益账面价值 | $19.0B | $4.9B |
| 总资产 | $158.8B | $5.7B |
| 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RFZG
| Q4 25 | — | $768.0M | ||
| Q3 25 | — | $874.0M | ||
| Q2 25 | — | $587.0M | ||
| Q1 25 | — | $914.0M | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $1.1B | ||
| Q2 24 | — | $1.2B | ||
| Q1 24 | — | $1.4B |
总债务RFZG
| 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RFZG
| Q4 25 | $19.0B | $4.9B | ||
| Q3 25 | $19.0B | $5.0B | ||
| Q2 25 | $18.7B | $4.7B | ||
| Q1 25 | $18.5B | $4.8B | ||
| Q4 24 | $17.9B | $4.8B | ||
| Q3 24 | $18.7B | $4.7B | ||
| Q2 24 | $17.2B | $4.5B | ||
| Q1 24 | $17.0B | $4.7B |
总资产RFZG
| Q4 25 | $158.8B | $5.7B | ||
| Q3 25 | $159.9B | $5.7B | ||
| Q2 25 | $159.2B | $5.4B | ||
| Q1 25 | $159.8B | $5.7B | ||
| Q4 24 | $157.3B | $5.8B | ||
| Q3 24 | $157.4B | $6.2B | ||
| Q2 24 | $154.1B | $6.6B | ||
| Q1 24 | $154.9B | $6.8B |
负债/权益比RFZG
| 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 | $72.0M |
| 自由现金流经营现金流 - 资本支出 | — | $44.0M |
| 自由现金流率自由现金流/营收 | — | 6.7% |
| 资本支出强度资本支出/营收 | — | 4.3% |
| 现金转化率经营现金流/净利润 | -0.60× | 24.00× |
| 过去12个月自由现金流最近4个季度 | — | $235.0M |
8季度趋势，按日历期对齐
经营现金流RFZG
| Q4 25 | $-319.0M | $72.0M | ||
| Q3 25 | $861.0M | $105.0M | ||
| Q2 25 | $573.0M | $87.0M | ||
| Q1 25 | $1.1B | $104.0M | ||
| Q4 24 | $-220.0M | $122.0M | ||
| Q3 24 | $1.3B | $171.0M | ||
| Q2 24 | $161.0M | $55.0M | ||
| Q1 24 | $396.0M | $80.0M |
自由现金流RFZG
| Q4 25 | — | $44.0M | ||
| Q3 25 | — | $73.0M | ||
| Q2 25 | — | $50.0M | ||
| Q1 25 | — | $68.0M | ||
| Q4 24 | — | $88.0M | ||
| Q3 24 | — | $138.0M | ||
| Q2 24 | — | $18.0M | ||
| Q1 24 | — | $41.0M |
自由现金流率RFZG
| Q4 25 | — | 6.7% | ||
| Q3 25 | — | 10.8% | ||
| Q2 25 | — | 7.6% | ||
| Q1 25 | — | 11.4% | ||
| Q4 24 | — | 15.9% | ||
| Q3 24 | — | 23.8% | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 7.8% |
资本支出强度RFZG
| Q4 25 | — | 4.3% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 5.6% | ||
| Q1 25 | — | 6.0% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 5.7% | ||
| Q2 24 | — | 6.5% | ||
| Q1 24 | — | 7.4% |
现金转化率RFZG
| Q4 25 | -0.60× | 24.00× | ||
| Q3 25 | 1.51× | 10.50× | ||
| Q2 25 | 1.02× | 43.50× | ||
| Q1 25 | 2.18× | 13.00× | ||
| 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% |
ZG
| Residential Revenue | $418.0M | 64% |
| Rental Revenue | $168.0M | 26% |
| Mortgage Revenue | $57.0M | 9% |
| Display Advertising And Other Revenue | $11.0M | 2% |
