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布林克公司（BCO）与SoFi Technologies, Inc.（SOFI）财务数据对比。点击上方公司名可切换其他公司
布林克公司的季度营收约是SoFi Technologies, Inc.的1.3倍（$1.4B vs $1.0B），SoFi Technologies, Inc.净利率更高（16.9% vs 4.9%，领先12.0%），SoFi Technologies, Inc.同比增速更快（39.6% vs 9.1%），过去两年SoFi Technologies, Inc.的营收复合增速更高（26.1% vs 5.6%）
布林克公司是总部位于美国弗吉尼亚州里士满的现金处理服务企业，业务范围涵盖武装押运、ATM机加钞与维护，还提供金库外包、货币处理、智能保险柜服务、贵重物品国际运输等现金管理与支付相关解决方案。
SoFi Technologies是美国金融科技企业，2011年由斯坦福大学学生创立，持有全国性特许牌照运营线上银行，同时为其他金融机构提供技术解决方案，是美国规模最大的线上贷款机构，截至2025年累计服务客户达1370万。
BCO vs SOFI — 直观对比
营收规模更大
BCO
是对方的1.3倍
$1.0B
营收增速更快
SOFI
高出30.5%
9.1%
净利率更高
SOFI
高出12.0%
4.9%
两年增速更快
SOFI
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.4B | $1.0B |
| 净利润 | $68.1M | $173.5M |
| 毛利率 | 27.7% | 84.2% |
| 营业利润率 | 13.1% | 18.1% |
| 净利率 | 4.9% | 16.9% |
| 营收同比 | 9.1% | 39.6% |
| 净利润同比 | 76.9% | -47.8% |
| 每股收益（稀释后） | $1.62 | $0.14 |
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BCOSOFI
| Q4 25 | $1.4B | $1.0B | ||
| Q3 25 | $1.3B | $961.6M | ||
| Q2 25 | $1.3B | $854.9M | ||
| Q1 25 | $1.2B | $771.8M | ||
| Q4 24 | $1.3B | $734.1M | ||
| Q3 24 | $1.3B | $697.1M | ||
| Q2 24 | $1.3B | $598.6M | ||
| Q1 24 | $1.2B | $645.0M |
净利润BCOSOFI
| Q4 25 | $68.1M | $173.5M | ||
| Q3 25 | $36.3M | $139.4M | ||
| Q2 25 | $43.7M | $97.3M | ||
| Q1 25 | $51.6M | $71.1M | ||
| Q4 24 | $38.5M | $332.5M | ||
| Q3 24 | $28.9M | $60.7M | ||
| Q2 24 | $46.2M | $17.4M | ||
| Q1 24 | $49.3M | $88.0M |
毛利率BCOSOFI
| Q4 25 | 27.7% | 84.2% | ||
| Q3 25 | 25.8% | 83.2% | ||
| Q2 25 | 24.9% | 82.4% | ||
| Q1 25 | 24.6% | 82.4% | ||
| Q4 24 | 26.1% | 82.5% | ||
| Q3 24 | 25.0% | 82.3% | ||
| Q2 24 | 25.2% | 81.7% | ||
| Q1 24 | 25.0% | 84.5% |
营业利润率BCOSOFI
| Q4 25 | 13.1% | 18.1% | ||
| Q3 25 | 11.4% | 15.4% | ||
| Q2 25 | 10.3% | 13.1% | ||
| Q1 25 | 9.6% | 10.3% | ||
| Q4 24 | 8.3% | 8.2% | ||
| Q3 24 | 8.9% | 9.2% | ||
| Q2 24 | 9.3% | 2.6% | ||
| Q1 24 | 9.8% | 14.6% |
净利率BCOSOFI
| Q4 25 | 4.9% | 16.9% | ||
| Q3 25 | 2.7% | 14.5% | ||
| Q2 25 | 3.4% | 11.4% | ||
| Q1 25 | 4.1% | 9.2% | ||
| Q4 24 | 3.0% | 45.3% | ||
| Q3 24 | 2.3% | 8.7% | ||
| Q2 24 | 3.7% | 2.9% | ||
| Q1 24 | 4.0% | 13.7% |
每股收益（稀释后）BCOSOFI
| Q4 25 | $1.62 | $0.14 | ||
| Q3 25 | $0.86 | $0.11 | ||
| Q2 25 | $1.03 | $0.08 | ||
| Q1 25 | $1.18 | $0.06 | ||
| Q4 24 | $0.87 | $0.31 | ||
| Q3 24 | $0.65 | $0.05 | ||
| Q2 24 | $1.02 | $0.01 | ||
| Q1 24 | $1.09 | $0.02 |
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 | $1.7B | $4.9B |
| 总债务越低越好 | $4.0B | — |
| 股东权益账面价值 | $277.7M | $10.5B |
| 总资产 | $7.3B | $50.7B |
| 负债/权益比越低杠杆越低 | 14.31× | — |
8季度趋势，按日历期对齐
现金及短期投资BCOSOFI
| Q4 25 | $1.7B | $4.9B | ||
| Q3 25 | $1.3B | $3.2B | ||
| Q2 25 | $1.4B | $2.1B | ||
| Q1 25 | $1.2B | $2.1B | ||
| Q4 24 | $1.4B | $2.5B | ||
| Q3 24 | $1.2B | $2.4B | ||
| Q2 24 | $1.2B | $2.3B | ||
| Q1 24 | $1.1B | $3.7B |
总债务BCOSOFI
| Q4 25 | $4.0B | — | ||
| Q3 25 | $3.8B | — | ||
| Q2 25 | $3.9B | — | ||
| Q1 25 | $3.7B | — | ||
| Q4 24 | $3.7B | — | ||
| Q3 24 | $3.7B | — | ||
| Q2 24 | $3.6B | — | ||
| Q1 24 | $3.4B | — |
股东权益BCOSOFI
| Q4 25 | $277.7M | $10.5B | ||
| Q3 25 | $268.5M | $8.8B | ||
| Q2 25 | $254.6M | $6.9B | ||
| Q1 25 | $205.8M | $6.7B | ||
| Q4 24 | $184.9M | $6.5B | ||
| Q3 24 | $277.1M | $6.1B | ||
| Q2 24 | $320.5M | $5.9B | ||
| Q1 24 | $396.4M | $5.8B |
总资产BCOSOFI
| Q4 25 | $7.3B | $50.7B | ||
| Q3 25 | $7.0B | $45.3B | ||
| Q2 25 | $7.1B | $41.1B | ||
| Q1 25 | $6.6B | $37.7B | ||
| Q4 24 | $6.6B | $36.3B | ||
| Q3 24 | $6.7B | $34.4B | ||
| Q2 24 | $6.6B | $32.6B | ||
| Q1 24 | $6.7B | $31.3B |
负债/权益比BCOSOFI
| Q4 25 | 14.31× | — | ||
| Q3 25 | 14.05× | — | ||
| Q2 25 | 15.48× | — | ||
| Q1 25 | 18.19× | — | ||
| Q4 24 | 20.26× | — | ||
| Q3 24 | 13.39× | — | ||
| Q2 24 | 11.26× | — | ||
| Q1 24 | 8.67× | — |
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 | — | $-3.7B |
| 自由现金流经营现金流 - 资本支出 | — | $-4.0B |
| 自由现金流率自由现金流/营收 | — | -388.8% |
| 资本支出强度资本支出/营收 | 3.5% | 23.7% |
| 现金转化率经营现金流/净利润 | — | -21.56× |
| 过去12个月自由现金流最近4个季度 | — | $-6.9B |
8季度趋势，按日历期对齐
经营现金流BCOSOFI
| Q4 25 | — | $-3.7B | ||
| Q3 25 | $122.1M | $-1.3B | ||
| Q2 25 | — | $-1.5B | ||
| Q1 25 | $-60.2M | $21.5M | ||
| Q4 24 | $369.8M | $-1.1B | ||
| Q3 24 | $58.4M | $-1.2B | ||
| Q2 24 | $-66.1M | $-484.4M | ||
| Q1 24 | $63.9M | $738.2M |
自由现金流BCOSOFI
| Q4 25 | — | $-4.0B | ||
| Q3 25 | $77.4M | $-1.4B | ||
| Q2 25 | — | $-1.5B | ||
| Q1 25 | $-119.1M | $-31.1M | ||
| Q4 24 | $307.2M | $-1.3B | ||
| Q3 24 | $7.4M | $-1.2B | ||
| Q2 24 | $-122.8M | $-521.1M | ||
| Q1 24 | $11.7M | $706.3M |
自由现金流率BCOSOFI
| Q4 25 | — | -388.8% | ||
| Q3 25 | 5.8% | -142.0% | ||
| Q2 25 | — | -179.0% | ||
| Q1 25 | -9.6% | -4.0% | ||
| Q4 24 | 24.3% | -173.5% | ||
| Q3 24 | 0.6% | -174.6% | ||
| Q2 24 | -9.8% | -87.0% | ||
| Q1 24 | 0.9% | 109.5% |
资本支出强度BCOSOFI
| Q4 25 | 3.5% | 23.7% | ||
| Q3 25 | 3.3% | 6.2% | ||
| Q2 25 | 4.0% | 7.4% | ||
| Q1 25 | 4.7% | 6.8% | ||
| Q4 24 | 5.0% | 21.0% | ||
| Q3 24 | 4.1% | 6.2% | ||
| Q2 24 | 4.5% | 6.1% | ||
| Q1 24 | 4.2% | 5.0% |
现金转化率BCOSOFI
| Q4 25 | — | -21.56× | ||
| Q3 25 | 3.36× | -9.37× | ||
| Q2 25 | — | -15.08× | ||
| Q1 25 | -1.17× | 0.30× | ||
| Q4 24 | 9.61× | -3.37× | ||
| Q3 24 | 2.02× | -19.32× | ||
| Q2 24 | -1.43× | -27.83× | ||
| Q1 24 | 1.30× | 8.39× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
