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ALERUS FINANCIAL CORP（ALRS）与万事达卡（MA）财务数据对比。点击上方公司名可切换其他公司
万事达卡的季度营收约是ALERUS FINANCIAL CORP的194.9倍（$8.8B vs $45.2M）。万事达卡净利率更高（46.1% vs -73.2%，领先119.3%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs 17.6%）。万事达卡自由现金流更多（$4.9B vs $15.3M）。过去两年ALERUS FINANCIAL CORP的营收复合增速更高（42.6% vs 17.8%）
阿勒鲁斯金融公司（品牌简称Alerus）是一家连锁金融机构，总部位于北达科他州大福克斯，网点分布在北达科他、明尼苏达、威斯康星与亚利桑那州，为客户提供银行、抵押贷款、财富管理以及退休规划等多种金融服务。
万事达卡是总部位于美国纽约帕切斯的跨国支付卡服务企业，核心业务为处理商户收单银行与持卡人发卡机构之间的支付交易，同时提供旗下品牌借记卡、信用卡、预付卡及相关配套支付服务，服务网络覆盖全球，于2006年公开上市。
ALRS vs MA — 直观对比
营收规模更大
MA
是对方的194.9倍
$45.2M
营收增速更快
ALRS
高出0.4%
17.6%
净利率更高
MA
高出119.3%
-73.2%
自由现金流更多
MA
多$4.9B
$15.3M
两年增速更快
ALRS
近两年复合增速
17.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $8.8B |
| 净利润 | $-33.1M | $4.1B |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | 55.8% |
| 净利率 | -73.2% | 46.1% |
| 营收同比 | 18.0% | 17.6% |
| 净利润同比 | -49232.8% | 21.5% |
| 每股收益（稀释后） | $-1.27 | $4.52 |
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ALRSMA
| Q4 25 | $45.2M | $8.8B | ||
| Q3 25 | $43.1M | $8.6B | ||
| Q2 25 | $43.0M | $8.1B | ||
| Q1 25 | $41.2M | $7.3B | ||
| Q4 24 | $38.3M | $7.5B | ||
| Q3 24 | $22.5M | $7.4B | ||
| Q2 24 | $24.0M | $7.0B | ||
| Q1 24 | $22.2M | $6.3B |
净利润ALRSMA
| Q4 25 | $-33.1M | $4.1B | ||
| Q3 25 | $16.9M | $3.9B | ||
| Q2 25 | $20.3M | $3.7B | ||
| Q1 25 | $13.3M | $3.3B | ||
| Q4 24 | $-67.0K | $3.3B | ||
| Q3 24 | $5.2M | $3.3B | ||
| Q2 24 | $6.2M | $3.3B | ||
| Q1 24 | $6.4M | $3.0B |
营业利润率ALRSMA
| Q4 25 | -96.0% | 55.8% | ||
| Q3 25 | 51.1% | 58.8% | ||
| Q2 25 | 61.2% | 58.7% | ||
| Q1 25 | 42.7% | 57.2% | ||
| Q4 24 | -0.8% | 52.6% | ||
| Q3 24 | 30.2% | 54.3% | ||
| Q2 24 | 33.9% | 58.0% | ||
| Q1 24 | 38.4% | 56.8% |
净利率ALRSMA
| Q4 25 | -73.2% | 46.1% | ||
| Q3 25 | 39.2% | 45.7% | ||
| Q2 25 | 47.1% | 45.5% | ||
| Q1 25 | 32.4% | 45.2% | ||
| Q4 24 | -0.2% | 44.6% | ||
| Q3 24 | 23.1% | 44.3% | ||
| Q2 24 | 25.9% | 46.8% | ||
| Q1 24 | 28.9% | 47.4% |
每股收益（稀释后）ALRSMA
| Q4 25 | $-1.27 | $4.52 | ||
| Q3 25 | $0.65 | $4.34 | ||
| Q2 25 | $0.78 | $4.07 | ||
| Q1 25 | $0.52 | $3.59 | ||
| Q4 24 | $-0.06 | $3.64 | ||
| Q3 24 | $0.26 | $3.53 | ||
| Q2 24 | $0.31 | $3.50 | ||
| Q1 24 | $0.32 | $3.22 |
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 | $67.2M | $10.6B |
| 总债务越低越好 | $59.2M | — |
| 股东权益账面价值 | $564.9M | $7.7B |
| 总资产 | $5.2B | $54.2B |
| 负债/权益比越低杠杆越低 | 0.10× | — |
8季度趋势，按日历期对齐
现金及短期投资ALRSMA
| Q4 25 | $67.2M | $10.6B | ||
| Q3 25 | $92.0M | $10.3B | ||
| Q2 25 | $80.9M | $9.0B | ||
| Q1 25 | $83.0M | $7.6B | ||
| Q4 24 | $61.2M | $8.4B | ||
| Q3 24 | $66.0M | $11.1B | ||
| Q2 24 | $438.1M | $7.0B | ||
| Q1 24 | $545.8M | $7.3B |
总债务ALRSMA
| Q4 25 | $59.2M | — | ||
| Q3 25 | $59.2M | — | ||
| Q2 25 | $59.1M | — | ||
| Q1 25 | $59.1M | — | ||
| Q4 24 | $59.1M | — | ||
| Q3 24 | $59.0M | — | ||
| Q2 24 | $59.0M | — | ||
| Q1 24 | $59.0M | — |
股东权益ALRSMA
| Q4 25 | $564.9M | $7.7B | ||
| Q3 25 | $550.7M | $7.9B | ||
| Q2 25 | $533.2M | $7.9B | ||
| Q1 25 | $514.2M | $6.7B | ||
| Q4 24 | $495.4M | $6.5B | ||
| Q3 24 | $386.5M | $7.4B | ||
| Q2 24 | $373.2M | $7.4B | ||
| Q1 24 | $371.6M | $7.2B |
总资产ALRSMA
| Q4 25 | $5.2B | $54.2B | ||
| Q3 25 | $5.3B | $53.3B | ||
| Q2 25 | $5.3B | $51.4B | ||
| Q1 25 | $5.3B | $48.5B | ||
| Q4 24 | $5.3B | $48.1B | ||
| Q3 24 | $4.4B | $47.2B | ||
| Q2 24 | $4.4B | $42.3B | ||
| Q1 24 | $4.3B | $42.6B |
负债/权益比ALRSMA
| Q4 25 | 0.10× | — | ||
| Q3 25 | 0.11× | — | ||
| Q2 25 | 0.11× | — | ||
| Q1 25 | 0.11× | — | ||
| Q4 24 | 0.12× | — | ||
| Q3 24 | 0.15× | — | ||
| Q2 24 | 0.16× | — | ||
| Q1 24 | 0.16× | — |
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 | $16.3M | $5.0B |
| 自由现金流经营现金流 - 资本支出 | $15.3M | $4.9B |
| 自由现金流率自由现金流/营收 | 33.9% | 55.5% |
| 资本支出强度资本支出/营收 | 2.3% | 1.3% |
| 现金转化率经营现金流/净利润 | — | 1.23× |
| 过去12个月自由现金流最近4个季度 | $58.8M | $17.2B |
8季度趋势，按日历期对齐
经营现金流ALRSMA
| Q4 25 | $16.3M | $5.0B | ||
| Q3 25 | $32.8M | $5.7B | ||
| Q2 25 | $10.7M | $4.6B | ||
| Q1 25 | $7.7M | $2.4B | ||
| Q4 24 | $2.3M | $4.8B | ||
| Q3 24 | $20.2M | $5.1B | ||
| Q2 24 | $-12.5M | $3.1B | ||
| Q1 24 | $11.7M | $1.7B |
自由现金流ALRSMA
| Q4 25 | $15.3M | $4.9B | ||
| Q3 25 | $30.3M | $5.5B | ||
| Q2 25 | $7.6M | $4.6B | ||
| Q1 25 | $5.7M | $2.2B | ||
| Q4 24 | $-2.7M | $4.7B | ||
| Q3 24 | $17.4M | $5.0B | ||
| Q2 24 | $-16.1M | $3.0B | ||
| Q1 24 | $10.8M | $1.5B |
自由现金流率ALRSMA
| Q4 25 | 33.9% | 55.5% | ||
| Q3 25 | 70.3% | 63.8% | ||
| Q2 25 | 17.6% | 56.1% | ||
| Q1 25 | 13.8% | 30.6% | ||
| Q4 24 | -7.1% | 63.3% | ||
| Q3 24 | 77.3% | 68.2% | ||
| Q2 24 | -67.3% | 43.4% | ||
| Q1 24 | 48.7% | 23.9% |
资本支出强度ALRSMA
| Q4 25 | 2.3% | 1.3% | ||
| Q3 25 | 5.7% | 2.1% | ||
| Q2 25 | 7.3% | 0.5% | ||
| Q1 25 | 5.0% | 2.2% | ||
| Q4 24 | 13.2% | 1.3% | ||
| Q3 24 | 12.3% | 1.5% | ||
| Q2 24 | 15.4% | 1.7% | ||
| Q1 24 | 4.0% | 2.5% |
现金转化率ALRSMA
| Q4 25 | — | 1.23× | ||
| Q3 25 | 1.94× | 1.44× | ||
| Q2 25 | 0.53× | 1.24× | ||
| Q1 25 | 0.58× | 0.73× | ||
| Q4 24 | — | 1.45× | ||
| Q3 24 | 3.88× | 1.57× | ||
| Q2 24 | -2.01× | 0.96× | ||
| Q1 24 | 1.82× | 0.56× |
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
ALRS
| Other | $17.3M | 38% |
| Retirement And Benefit Services | $17.3M | 38% |
| Wealth Management | $7.4M | 16% |
| Mortgage Banking | $3.2M | 7% |
MA
| Payment Network | $4.9B | 56% |
| Value Added Services And Solutions | $3.9B | 44% |
