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美国银行（BAC）与Elevance Health（ELV）财务数据对比。点击上方公司名可切换其他公司
Elevance Health的季度营收约是美国银行的1.6倍（$49.7B vs $31.2B），美国银行净利率更高（24.1% vs 1.1%，领先23.0%），过去两年美国银行的营收复合增速更高（11.3% vs 6.5%）
美国银行是美国知名跨国投资银行及金融服务控股集团，总部位于北卡罗来纳州夏洛特的美国银行企业中心，在曼哈顿设有投行业务及辅助办公总部，1998年由国民银行与原美国银行合并组建，为全球客户提供多元化综合金融服务。
Elevance Health是美国知名健康保险公司，2022年6月前名为Anthem, Inc.。按营收规模计算，该公司是全球第七大医疗保健企业，通过Anthem蓝十字蓝盾、加州Anthem蓝十字、Wellpoint、Carelon等附属机构，提供医疗、医药、牙科、精神健康、长期护理、残疾保险等多元服务。
BAC vs ELV — 直观对比
营收规模更大
ELV
是对方的1.6倍
$31.2B
净利率更高
BAC
高出23.0%
1.1%
两年增速更快
BAC
近两年复合增速
6.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $31.2B | $49.7B |
| 净利润 | $7.5B | $547.0M |
| 毛利率 | — | 88.9% |
| 营业利润率 | 39.9% | 0.6% |
| 净利率 | 24.1% | 1.1% |
| 营收同比 | — | 1.8% |
| 净利润同比 | — | -74.9% |
| 每股收益（稀释后） | $0.96 | $2.56 |
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BACELV
| Q1 26 | — | $49.7B | ||
| Q4 25 | $31.2B | $49.7B | ||
| Q3 25 | $28.1B | $50.7B | ||
| Q2 25 | $26.5B | $49.8B | ||
| Q1 25 | $27.4B | $48.9B | ||
| Q4 24 | — | $45.4B | ||
| Q3 24 | $25.3B | $45.1B | ||
| Q2 24 | $25.4B | $43.9B |
净利润BACELV
| Q1 26 | — | $547.0M | ||
| Q4 25 | $7.5B | $547.0M | ||
| Q3 25 | $8.5B | $1.2B | ||
| Q2 25 | $7.1B | $1.7B | ||
| Q1 25 | $7.4B | $2.2B | ||
| Q4 24 | — | $418.0M | ||
| Q3 24 | $6.9B | $1.0B | ||
| Q2 24 | $6.9B | $2.3B |
毛利率BACELV
| Q1 26 | — | 88.9% | ||
| Q4 25 | — | 88.9% | ||
| Q3 25 | — | 89.4% | ||
| Q2 25 | — | 89.4% | ||
| Q1 25 | — | 89.8% | ||
| Q4 24 | — | 86.8% | ||
| Q3 24 | — | 88.7% | ||
| Q2 24 | — | 89.0% |
营业利润率BACELV
| Q1 26 | — | 0.6% | ||
| Q4 25 | 39.9% | 0.6% | ||
| Q3 25 | 33.7% | 2.6% | ||
| Q2 25 | 29.1% | 4.9% | ||
| Q1 25 | 29.7% | 6.5% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | 28.9% | 3.1% | ||
| Q2 24 | 29.8% | 6.3% |
净利率BACELV
| Q1 26 | — | 1.1% | ||
| Q4 25 | 24.1% | 1.1% | ||
| Q3 25 | 30.2% | 2.3% | ||
| Q2 25 | 26.9% | 3.5% | ||
| Q1 25 | 27.0% | 4.5% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | 27.2% | 2.3% | ||
| Q2 24 | 27.2% | 5.2% |
每股收益（稀释后）BACELV
| Q1 26 | — | $2.56 | ||
| Q4 25 | $0.96 | $2.56 | ||
| Q3 25 | $1.06 | $5.32 | ||
| Q2 25 | $0.89 | $7.72 | ||
| Q1 25 | $0.90 | $9.61 | ||
| Q4 24 | — | $1.88 | ||
| Q3 24 | $0.81 | $4.36 | ||
| Q2 24 | $0.83 | $9.85 |
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 | — | $9.5B |
| 总债务越低越好 | $317.8B | $31.9B |
| 股东权益账面价值 | $303.2B | $43.9B |
| 总资产 | $3411.7B | $121.5B |
| 负债/权益比越低杠杆越低 | 1.05× | 0.73× |
8季度趋势，按日历期对齐
现金及短期投资BACELV
| Q1 26 | — | $9.5B | ||
| Q4 25 | — | $9.5B | ||
| Q3 25 | — | $8.7B | ||
| Q2 25 | — | $8.6B | ||
| Q1 25 | — | $7.5B | ||
| Q4 24 | — | $8.3B | ||
| Q3 24 | — | $7.9B | ||
| Q2 24 | — | $6.5B |
总债务BACELV
| Q1 26 | — | $31.9B | ||
| Q4 25 | $317.8B | $31.9B | ||
| Q3 25 | $311.5B | — | ||
| Q2 25 | $313.4B | — | ||
| Q1 25 | $304.1B | — | ||
| Q4 24 | — | $30.9B | ||
| Q3 24 | $296.9B | — | ||
| Q2 24 | $290.5B | — |
股东权益BACELV
| Q1 26 | — | $43.9B | ||
| Q4 25 | $303.2B | $43.9B | ||
| Q3 25 | $304.2B | $44.0B | ||
| Q2 25 | $299.6B | $43.7B | ||
| Q1 25 | $295.6B | $42.5B | ||
| Q4 24 | — | $41.3B | ||
| Q3 24 | $296.5B | $43.8B | ||
| Q2 24 | $293.9B | $42.2B |
总资产BACELV
| Q1 26 | — | $121.5B | ||
| Q4 25 | $3411.7B | $121.5B | ||
| Q3 25 | $3403.7B | $122.7B | ||
| Q2 25 | $3441.1B | $121.9B | ||
| Q1 25 | $3349.4B | $119.7B | ||
| Q4 24 | — | $116.9B | ||
| Q3 24 | $3324.3B | $116.5B | ||
| Q2 24 | $3258.0B | $113.0B |
负债/权益比BACELV
| Q1 26 | — | 0.73× | ||
| Q4 25 | 1.05× | 0.73× | ||
| Q3 25 | 1.02× | — | ||
| Q2 25 | 1.05× | — | ||
| Q1 25 | 1.03× | — | ||
| Q4 24 | — | 0.75× | ||
| Q3 24 | 1.00× | — | ||
| Q2 24 | 0.99× | — |
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 | $-22.9B | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | -3.05× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流BACELV
| Q1 26 | — | — | ||
| Q4 25 | $-22.9B | $84.0M | ||
| Q3 25 | $46.9B | $1.1B | ||
| Q2 25 | $-9.1B | $2.1B | ||
| Q1 25 | $-2.2B | $1.0B | ||
| Q4 24 | — | $706.0M | ||
| Q3 24 | — | $2.7B | ||
| Q2 24 | — | $447.0M |
自由现金流BACELV
| Q1 26 | — | — | ||
| Q4 25 | — | $-209.0M | ||
| Q3 25 | — | $775.0M | ||
| Q2 25 | — | $1.8B | ||
| Q1 25 | — | $821.0M | ||
| Q4 24 | — | $384.0M | ||
| Q3 24 | — | $2.3B | ||
| Q2 24 | — | $124.0M |
自由现金流率BACELV
| Q1 26 | — | — | ||
| Q4 25 | — | -0.4% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 0.8% | ||
| Q3 24 | — | 5.2% | ||
| Q2 24 | — | 0.3% |
资本支出强度BACELV
| Q1 26 | — | — | ||
| Q4 25 | — | 0.6% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 0.7% |
现金转化率BACELV
| Q1 26 | — | — | ||
| Q4 25 | -3.05× | 0.15× | ||
| Q3 25 | 5.53× | 0.95× | ||
| Q2 25 | -1.28× | 1.18× | ||
| Q1 25 | -0.30× | 0.47× | ||
| Q4 24 | — | 1.69× | ||
| Q3 24 | — | 2.63× | ||
| Q2 24 | — | 0.19× |
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
BAC
| Other | $7.0B | 22% |
| Global Wealth And Investment Management Segment | $6.6B | 21% |
| Global Banking Segment | $6.2B | 20% |
| Global Markets Segment | $5.3B | 17% |
| Investment And Brokerage Services Asset Management Fees | $4.2B | 13% |
| Investment Banking Income Underwriting Income | $752.0M | 2% |
| Investment Banking Income Financial Advisory Services | $590.0M | 2% |
| Investment Banking Income Syndication Fees | $324.0M | 1% |
| Corporate Securities Trading Loansand Other | $184.0M | 1% |
| Mortgage Trading Loans Mortgage Backed Securities And Asset Backed Securities | $31.0M | 0% |
| Equity Securities | $12.0M | 0% |
| Accrued Expensesand Other Liabilities | $11.0M | 0% |
ELV
暂无分部数据
