vs
Regions Financial Corporation（RF）与Zscaler, Inc.（ZS）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Zscaler, Inc.的1.6倍（$1.3B vs $788.1M），Regions Financial Corporation净利率更高（41.7% vs -1.5%，领先43.2%），Zscaler, Inc.同比增速更快（25.5% vs 4.1%），过去两年Zscaler, Inc.的营收复合增速更高（22.5% 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。
Zscaler是总部位于美国加利福尼亚州圣何塞的云安全企业，专注提供云原生安全服务，为全球各行业企业的网络系统与数据资产提供全方位防护，助力企业在数字化运营过程中抵御各类安全风险，保障业务稳定开展。
RF vs ZS — 直观对比
营收规模更大
RF
是对方的1.6倍
$788.1M
营收增速更快
ZS
高出21.4%
4.1%
净利率更高
RF
高出43.2%
-1.5%
两年增速更快
ZS
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $788.1M |
| 净利润 | $534.0M | $-11.6M |
| 毛利率 | — | 76.6% |
| 营业利润率 | 55.3% | -4.6% |
| 净利率 | 41.7% | -1.5% |
| 营收同比 | 4.1% | 25.5% |
| 净利润同比 | 0.0% | 3.6% |
| 每股收益（稀释后） | $0.59 | $-0.07 |
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RFZS
| Q4 25 | $1.3B | $788.1M | ||
| Q3 25 | $1.3B | $719.2M | ||
| Q2 25 | $1.3B | $678.0M | ||
| Q1 25 | $1.2B | $647.9M | ||
| Q4 24 | $1.2B | $628.0M | ||
| Q3 24 | $1.2B | $592.9M | ||
| Q2 24 | $1.2B | $553.2M | ||
| Q1 24 | $1.2B | $525.0M |
净利润RFZS
| Q4 25 | $534.0M | $-11.6M | ||
| Q3 25 | $569.0M | $-17.6M | ||
| Q2 25 | $563.0M | $-4.1M | ||
| Q1 25 | $490.0M | $-7.7M | ||
| Q4 24 | $534.0M | $-12.1M | ||
| Q3 24 | $490.0M | $-14.9M | ||
| Q2 24 | $501.0M | $19.1M | ||
| Q1 24 | $368.0M | $-28.5M |
毛利率RFZS
| Q4 25 | — | 76.6% | ||
| Q3 25 | — | 76.1% | ||
| Q2 25 | — | 77.0% | ||
| Q1 25 | — | 77.1% | ||
| Q4 24 | — | 77.5% | ||
| Q3 24 | — | 78.0% | ||
| Q2 24 | — | 78.6% | ||
| Q1 24 | — | 77.7% |
营业利润率RFZS
| Q4 25 | 55.3% | -4.6% | ||
| Q3 25 | 56.3% | -4.5% | ||
| Q2 25 | 56.1% | -3.7% | ||
| Q1 25 | 52.0% | -6.2% | ||
| Q4 24 | 53.4% | -4.9% | ||
| Q3 24 | 49.9% | -4.5% | ||
| Q2 24 | 52.7% | -0.5% | ||
| Q1 24 | 39.2% | -8.7% |
净利率RFZS
| Q4 25 | 41.7% | -1.5% | ||
| Q3 25 | 45.3% | -2.4% | ||
| Q2 25 | 44.7% | -0.6% | ||
| Q1 25 | 41.0% | -1.2% | ||
| Q4 24 | 43.4% | -1.9% | ||
| Q3 24 | 40.2% | -2.5% | ||
| Q2 24 | 42.2% | 3.5% | ||
| Q1 24 | 31.1% | -5.4% |
每股收益（稀释后）RFZS
| Q4 25 | $0.59 | $-0.07 | ||
| Q3 25 | $0.61 | $-0.11 | ||
| Q2 25 | $0.59 | $-0.03 | ||
| Q1 25 | $0.51 | $-0.05 | ||
| Q4 24 | $0.55 | $-0.08 | ||
| Q3 24 | $0.49 | $-0.09 | ||
| Q2 24 | $0.52 | $0.12 | ||
| Q1 24 | $0.37 | $-0.19 |
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 | — | $1.3B |
| 总债务越低越好 | $4.1B | — |
| 股东权益账面价值 | $19.0B | $2.0B |
| 总资产 | $158.8B | $6.5B |
| 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RFZS
| Q4 25 | — | $1.3B | ||
| Q3 25 | — | $2.4B | ||
| Q2 25 | — | $2.0B | ||
| Q1 25 | — | $1.8B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.3B | ||
| Q1 24 | — | $1.4B |
总债务RFZS
| Q4 25 | $4.1B | — | ||
| Q3 25 | $4.8B | — | ||
| Q2 25 | $5.3B | $1.1B | ||
| Q1 25 | $6.0B | $1.1B | ||
| Q4 24 | $6.0B | $1.1B | ||
| Q3 24 | $6.0B | $1.1B | ||
| Q2 24 | $5.1B | $1.1B | ||
| Q1 24 | $3.3B | $1.1B |
股东权益RFZS
| Q4 25 | $19.0B | $2.0B | ||
| Q3 25 | $19.0B | $1.8B | ||
| Q2 25 | $18.7B | $1.8B | ||
| Q1 25 | $18.5B | $1.6B | ||
| Q4 24 | $17.9B | $1.4B | ||
| Q3 24 | $18.7B | $1.3B | ||
| Q2 24 | $17.2B | $1.1B | ||
| Q1 24 | $17.0B | $958.9M |
总资产RFZS
| Q4 25 | $158.8B | $6.5B | ||
| Q3 25 | $159.9B | $6.4B | ||
| Q2 25 | $159.2B | $5.3B | ||
| Q1 25 | $159.8B | $5.0B | ||
| Q4 24 | $157.3B | $4.7B | ||
| Q3 24 | $157.4B | $4.7B | ||
| Q2 24 | $154.1B | $4.2B | ||
| Q1 24 | $154.9B | $3.9B |
负债/权益比RFZS
| Q4 25 | 0.22× | — | ||
| Q3 25 | 0.25× | — | ||
| Q2 25 | 0.28× | 0.64× | ||
| Q1 25 | 0.32× | 0.71× | ||
| Q4 24 | 0.34× | 0.80× | ||
| Q3 24 | 0.32× | 0.90× | ||
| Q2 24 | 0.30× | 1.04× | ||
| Q1 24 | 0.20× | 1.19× |
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 | $448.3M |
| 自由现金流经营现金流 - 资本支出 | — | $431.0M |
| 自由现金流率自由现金流/营收 | — | 54.7% |
| 资本支出强度资本支出/营收 | — | 2.2% |
| 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 | — | $924.9M |
8季度趋势，按日历期对齐
经营现金流RFZS
| Q4 25 | $-319.0M | $448.3M | ||
| Q3 25 | $861.0M | $250.6M | ||
| Q2 25 | $573.0M | $211.1M | ||
| Q1 25 | $1.1B | $179.4M | ||
| Q4 24 | $-220.0M | $331.3M | ||
| Q3 24 | $1.3B | $203.6M | ||
| Q2 24 | $161.0M | $173.4M | ||
| Q1 24 | $396.0M | $142.1M |
自由现金流RFZS
| Q4 25 | — | $431.0M | ||
| Q3 25 | — | $190.6M | ||
| Q2 25 | — | $138.9M | ||
| Q1 25 | — | $164.4M | ||
| Q4 24 | — | $314.3M | ||
| Q3 24 | — | $154.2M | ||
| Q2 24 | — | $137.8M | ||
| Q1 24 | — | $111.2M |
自由现金流率RFZS
| Q4 25 | — | 54.7% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 20.5% | ||
| Q1 25 | — | 25.4% | ||
| Q4 24 | — | 50.1% | ||
| Q3 24 | — | 26.0% | ||
| Q2 24 | — | 24.9% | ||
| Q1 24 | — | 21.2% |
资本支出强度RFZS
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 8.3% | ||
| Q2 25 | — | 10.6% | ||
| Q1 25 | — | 2.3% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 6.4% | ||
| Q1 24 | — | 5.9% |
现金转化率RFZS
| 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× | 9.07× | ||
| 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% |
ZS
暂无分部数据
