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美国银行（BAC）与百事公司（PFGC）财务数据对比。点击上方公司名可切换其他公司
美国银行的季度营收约是百事公司的1.9倍（$31.2B vs $16.4B），美国银行净利率更高（24.1% vs 0.4%，领先23.8%），过去两年美国银行的营收复合增速更高（11.3% vs 8.9%）
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。
百事公司是总部位于美国纽约州珀彻斯的跨国食品饮料企业，1965年由百事可乐公司与菲多利合并成立。业务覆盖食品饮料全领域，负责旗下产品的生产、分销与市场营销，产品矩阵从最初的百事可乐扩展到了丰富多元的知名品牌组合。
BAC vs PFGC — 直观对比
营收规模更大
BAC
是对方的1.9倍
$16.4B
净利率更高
BAC
高出23.8%
0.4%
两年增速更快
BAC
近两年复合增速
8.9%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $31.2B | $16.4B |
| 净利润 | $7.5B | $61.7M |
| 毛利率 | — | 12.0% |
| 营业利润率 | 39.9% | 1.2% |
| 净利率 | 24.1% | 0.4% |
| 营收同比 | — | 5.2% |
| 净利润同比 | — | 45.5% |
| 每股收益（稀释后） | $0.96 | $0.39 |
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BACPFGC
| Q4 25 | $31.2B | $16.4B | ||
| Q3 25 | $28.1B | $17.1B | ||
| Q2 25 | $26.5B | $16.9B | ||
| Q1 25 | $27.4B | $15.3B | ||
| Q4 24 | — | $15.6B | ||
| Q3 24 | $25.3B | $15.4B | ||
| Q2 24 | $25.4B | $15.2B | ||
| Q1 24 | $25.8B | $13.9B |
净利润BACPFGC
| Q4 25 | $7.5B | $61.7M | ||
| Q3 25 | $8.5B | $93.6M | ||
| Q2 25 | $7.1B | $131.5M | ||
| Q1 25 | $7.4B | $58.3M | ||
| Q4 24 | — | $42.4M | ||
| Q3 24 | $6.9B | $108.0M | ||
| Q2 24 | $6.9B | $166.5M | ||
| Q1 24 | $6.7B | $70.4M |
毛利率BACPFGC
| Q4 25 | — | 12.0% | ||
| Q3 25 | — | 11.8% | ||
| Q2 25 | — | 11.8% | ||
| Q1 25 | — | 11.9% | ||
| Q4 24 | — | 11.7% | ||
| Q3 24 | — | 11.4% | ||
| Q2 24 | — | 11.5% | ||
| Q1 24 | — | 11.3% |
营业利润率BACPFGC
| Q4 25 | 39.9% | 1.2% | ||
| Q3 25 | 33.7% | 1.3% | ||
| Q2 25 | 29.1% | 1.6% | ||
| Q1 25 | 29.7% | 1.1% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | 28.9% | 1.4% | ||
| Q2 24 | 29.8% | 1.9% | ||
| Q1 24 | 28.1% | 1.1% |
净利率BACPFGC
| Q4 25 | 24.1% | 0.4% | ||
| Q3 25 | 30.2% | 0.5% | ||
| Q2 25 | 26.9% | 0.8% | ||
| Q1 25 | 27.0% | 0.4% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | 27.2% | 0.7% | ||
| Q2 24 | 27.2% | 1.1% | ||
| Q1 24 | 25.9% | 0.5% |
每股收益（稀释后）BACPFGC
| Q4 25 | $0.96 | $0.39 | ||
| Q3 25 | $1.06 | $0.60 | ||
| Q2 25 | $0.89 | $0.85 | ||
| Q1 25 | $0.90 | $0.37 | ||
| Q4 24 | — | $0.27 | ||
| Q3 24 | $0.81 | $0.69 | ||
| Q2 24 | $0.83 | $1.07 | ||
| Q1 24 | $0.76 | $0.45 |
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 | — | — |
| 总债务越低越好 | $317.8B | $5.3B |
| 股东权益账面价值 | $303.2B | $4.6B |
| 总资产 | $3411.7B | $18.2B |
| 负债/权益比越低杠杆越低 | 1.05× | 1.13× |
8季度趋势，按日历期对齐
总债务BACPFGC
| Q4 25 | $317.8B | $5.3B | ||
| Q3 25 | $311.5B | $5.6B | ||
| Q2 25 | $313.4B | $5.4B | ||
| Q1 25 | $304.1B | $5.4B | ||
| Q4 24 | — | $5.7B | ||
| Q3 24 | $296.9B | $3.9B | ||
| Q2 24 | $290.5B | $3.2B | ||
| Q1 24 | $296.3B | $3.2B |
股东权益BACPFGC
| Q4 25 | $303.2B | $4.6B | ||
| Q3 25 | $304.2B | $4.6B | ||
| Q2 25 | $299.6B | $4.5B | ||
| Q1 25 | $295.6B | $4.3B | ||
| Q4 24 | — | $4.3B | ||
| Q3 24 | $296.5B | $4.2B | ||
| Q2 24 | $293.9B | $4.1B | ||
| Q1 24 | $293.6B | $4.0B |
总资产BACPFGC
| Q4 25 | $3411.7B | $18.2B | ||
| Q3 25 | $3403.7B | $18.4B | ||
| Q2 25 | $3441.1B | $17.9B | ||
| Q1 25 | $3349.4B | $17.1B | ||
| Q4 24 | — | $17.1B | ||
| Q3 24 | $3324.3B | $14.4B | ||
| Q2 24 | $3258.0B | $13.4B | ||
| Q1 24 | $3273.8B | $12.9B |
负债/权益比BACPFGC
| Q4 25 | 1.05× | 1.13× | ||
| Q3 25 | 1.02× | 1.23× | ||
| Q2 25 | 1.05× | 1.20× | ||
| Q1 25 | 1.03× | 1.25× | ||
| Q4 24 | — | 1.34× | ||
| Q3 24 | 1.00× | 0.93× | ||
| Q2 24 | 0.99× | 0.78× | ||
| Q1 24 | 1.01× | 0.81× |
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 | $601.2M |
| 自由现金流经营现金流 - 资本支出 | — | $487.8M |
| 自由现金流率自由现金流/营收 | — | 3.0% |
| 资本支出强度资本支出/营收 | — | 0.7% |
| 现金转化率经营现金流/净利润 | -3.05× | 9.74× |
| 过去12个月自由现金流最近4个季度 | — | $792.7M |
8季度趋势，按日历期对齐
经营现金流BACPFGC
| Q4 25 | $-22.9B | $601.2M | ||
| Q3 25 | $46.9B | $-145.2M | ||
| Q2 25 | $-9.1B | $383.0M | ||
| Q1 25 | $-2.2B | $448.1M | ||
| Q4 24 | — | $325.5M | ||
| Q3 24 | — | $53.5M | ||
| Q2 24 | — | $206.3M | ||
| Q1 24 | $-15.5B | $402.7M |
自由现金流BACPFGC
| Q4 25 | — | $487.8M | ||
| Q3 25 | — | $-224.1M | ||
| Q2 25 | — | $209.7M | ||
| Q1 25 | — | $319.3M | ||
| Q4 24 | — | $218.1M | ||
| Q3 24 | — | $-43.0M | ||
| Q2 24 | — | $55.1M | ||
| Q1 24 | — | $305.4M |
自由现金流率BACPFGC
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | -1.3% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 2.1% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | -0.3% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 2.2% |
资本支出强度BACPFGC
| Q4 25 | — | 0.7% | ||
| Q3 25 | — | 0.5% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 1.0% | ||
| Q1 24 | — | 0.7% |
现金转化率BACPFGC
| Q4 25 | -3.05× | 9.74× | ||
| Q3 25 | 5.53× | -1.55× | ||
| Q2 25 | -1.28× | 2.91× | ||
| Q1 25 | -0.30× | 7.69× | ||
| Q4 24 | — | 7.68× | ||
| Q3 24 | — | 0.50× | ||
| Q2 24 | — | 1.24× | ||
| Q1 24 | -2.33× | 5.72× |
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% |
PFGC
| Foodservice | $8.8B | 54% |
| Convenience | $6.3B | 38% |
| Specialty | $1.3B | 8% |
