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Side-by-side financial comparison of UMB FINANCIAL CORP (UMBF) and VinFast Auto Ltd. (VFS). Click either name above to swap in a different company.
UMB FINANCIAL CORP is the larger business by last-quarter revenue ($739.2M vs $718.6M, roughly 1.0× VinFast Auto Ltd.). UMB FINANCIAL CORP runs the higher net margin — 35.4% vs -2.8%, a 38.2% gap on every dollar of revenue.
UMB Financial Corporation is an American financial services company headquartered in Kansas City, Missouri. It offers comprehensive financial services, including deposit solutions like checking and savings accounts, credit services including home mortgages, auto loans, business loans and credit cards, as well as investing and wealth management. UMB serves individuals, companies and institutions across the U.S. and in Ireland.
VinFast Auto Ltd. is a Vietnamese multinational automotive company founded by Vingroup, one of the largest private conglomerates in Vietnam that was founded by Phạm Nhật Vượng.
UMBF vs VFS — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $739.2M | $718.6M |
| Net Profit | $261.4M | $-20.0M |
| Gross Margin | — | — |
| Operating Margin | — | -96.1% |
| Net Margin | 35.4% | -2.8% |
| Revenue YoY | 321.6% | — |
| Net Profit YoY | 221.4% | — |
| EPS (diluted) | $3.35 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $739.2M | — | ||
| Q4 25 | $522.5M | — | ||
| Q3 25 | $475.0M | $718.6M | ||
| Q2 25 | $467.0M | $663.0M | ||
| Q1 25 | $397.6M | $656.5M | ||
| Q4 24 | $269.0M | — | ||
| Q3 24 | $247.4M | $511.6M | ||
| Q2 24 | $245.1M | — |
| Q1 26 | $261.4M | — | ||
| Q4 25 | $215.4M | — | ||
| Q3 25 | $188.3M | $-20.0M | ||
| Q2 25 | $217.4M | $-51.8M | ||
| Q1 25 | $81.3M | $-26.1M | ||
| Q4 24 | $120.0M | — | ||
| Q3 24 | $109.6M | $-10.4M | ||
| Q2 24 | $101.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | 51.7% | — | ||
| Q3 25 | 49.8% | -96.1% | ||
| Q2 25 | 58.9% | -79.0% | ||
| Q1 25 | 23.4% | -74.0% | ||
| Q4 24 | 53.8% | — | ||
| Q3 24 | 54.8% | -65.9% | ||
| Q2 24 | 51.8% | — |
| Q1 26 | 35.4% | — | ||
| Q4 25 | 41.2% | — | ||
| Q3 25 | 39.6% | -2.8% | ||
| Q2 25 | 46.5% | -7.8% | ||
| Q1 25 | 20.5% | -4.0% | ||
| Q4 24 | 44.6% | — | ||
| Q3 24 | 44.3% | -2.0% | ||
| Q2 24 | 41.3% | — |
| Q1 26 | $3.35 | — | ||
| Q4 25 | $2.90 | — | ||
| Q3 25 | $2.36 | — | ||
| Q2 25 | $2.82 | — | ||
| Q1 25 | $1.21 | — | ||
| Q4 24 | $2.44 | — | ||
| Q3 24 | $2.23 | — | ||
| Q2 24 | $2.07 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $8.8M |
| Total DebtLower is stronger | $477.2M | — |
| Stockholders' EquityBook value | $7.8B | — |
| Total Assets | $72.7B | $183.2M |
| Debt / EquityLower = less leverage | 0.06× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $7.8B | — | ||
| Q3 25 | $8.8B | $8.8M | ||
| Q2 25 | $11.0B | $650.0M | ||
| Q1 25 | $10.6B | $2.4M | ||
| Q4 24 | $8.4B | — | ||
| Q3 24 | $7.3B | $1.9M | ||
| Q2 24 | $5.0B | — |
| Q1 26 | $477.2M | — | ||
| Q4 25 | $474.2M | — | ||
| Q3 25 | $471.3M | — | ||
| Q2 25 | $657.3M | — | ||
| Q1 25 | $654.4M | — | ||
| Q4 24 | $385.3M | — | ||
| Q3 24 | $384.8M | — | ||
| Q2 24 | $384.2M | — |
| Q1 26 | $7.8B | — | ||
| Q4 25 | $7.7B | — | ||
| Q3 25 | $7.4B | — | ||
| Q2 25 | $7.3B | $-7.2B | ||
| Q1 25 | $6.7B | — | ||
| Q4 24 | $3.5B | — | ||
| Q3 24 | $3.5B | — | ||
| Q2 24 | $3.2B | — |
| Q1 26 | $72.7B | — | ||
| Q4 25 | $73.1B | — | ||
| Q3 25 | $71.9B | $183.2M | ||
| Q2 25 | $71.8B | $7.2B | ||
| Q1 25 | $69.3B | $158.2M | ||
| Q4 24 | $50.4B | — | ||
| Q3 24 | $47.5B | $151.8M | ||
| Q2 24 | $44.5B | — |
| Q1 26 | 0.06× | — | ||
| Q4 25 | 0.06× | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.09× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.11× | — | ||
| Q3 24 | 0.11× | — | ||
| Q2 24 | 0.12× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
UMBF
Segment breakdown not available.
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% |
