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BILL Holdings, Inc.（BILL）与MONRO, INC.（MNRO）财务数据对比。点击上方公司名可切换其他公司
BILL Holdings, Inc.的季度营收约是MONRO, INC.的1.4倍（$414.7M vs $293.4M），MONRO, INC.净利率更高（3.8% vs -0.6%，领先4.4%），BILL Holdings, Inc.同比增速更快（14.4% vs -4.0%），BILL Holdings, Inc.自由现金流更多（$103.8M vs $9.1M），过去两年BILL Holdings, Inc.的营收复合增速更高（13.3% vs -2.7%）
BILL Holdings, Inc. 是总部位于美国加利福尼亚州圣何塞的企业，专注为美国小型企业提供自动化云原生财务运营软件。旗下Bill.com Connect是白标端到端支付自动化平台，可供金融机构接入其单点登录的线上企业银行生态中使用。
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
BILL vs MNRO — 直观对比
营收规模更大
BILL
是对方的1.4倍
$293.4M
营收增速更快
BILL
高出18.4%
-4.0%
净利率更高
MNRO
高出4.4%
-0.6%
自由现金流更多
BILL
多$94.7M
$9.1M
两年增速更快
BILL
近两年复合增速
-2.7%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $414.7M | $293.4M |
| 净利润 | $-2.6M | $11.1M |
| 毛利率 | 79.8% | 34.9% |
| 营业利润率 | -4.4% | 6.3% |
| 净利率 | -0.6% | 3.8% |
| 营收同比 | 14.4% | -4.0% |
| 净利润同比 | -107.7% | 143.1% |
| 每股收益（稀释后） | $-0.03 | $0.35 |
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BILLMNRO
| Q4 25 | $414.7M | $293.4M | ||
| Q3 25 | $395.7M | $288.9M | ||
| Q2 25 | $383.3M | $301.0M | ||
| Q1 25 | $358.2M | $295.0M | ||
| Q4 24 | $362.6M | $305.8M | ||
| Q3 24 | $358.4M | $301.4M | ||
| Q2 24 | $343.7M | $293.2M | ||
| Q1 24 | $323.0M | $310.1M |
净利润BILLMNRO
| Q4 25 | $-2.6M | $11.1M | ||
| Q3 25 | $-3.0M | $5.7M | ||
| Q2 25 | $-7.1M | $-8.1M | ||
| Q1 25 | $-11.6M | $-21.3M | ||
| Q4 24 | $33.5M | $4.6M | ||
| Q3 24 | $8.9M | $5.6M | ||
| Q2 24 | $7.6M | $5.9M | ||
| Q1 24 | $31.8M | $3.7M |
毛利率BILLMNRO
| Q4 25 | 79.8% | 34.9% | ||
| Q3 25 | 80.5% | 35.7% | ||
| Q2 25 | 80.8% | 35.5% | ||
| Q1 25 | 81.2% | 33.0% | ||
| Q4 24 | 81.6% | 34.3% | ||
| Q3 24 | 82.0% | 35.3% | ||
| Q2 24 | 81.0% | 37.2% | ||
| Q1 24 | 83.0% | 35.5% |
营业利润率BILLMNRO
| Q4 25 | -4.4% | 6.3% | ||
| Q3 25 | -5.2% | 4.4% | ||
| Q2 25 | -5.8% | -2.0% | ||
| Q1 25 | -8.1% | -8.1% | ||
| Q4 24 | -6.0% | 3.3% | ||
| Q3 24 | -2.1% | 4.4% | ||
| Q2 24 | -6.5% | 4.5% | ||
| Q1 24 | -8.6% | 3.3% |
净利率BILLMNRO
| Q4 25 | -0.6% | 3.8% | ||
| Q3 25 | -0.7% | 2.0% | ||
| Q2 25 | -1.8% | -2.7% | ||
| Q1 25 | -3.2% | -7.2% | ||
| Q4 24 | 9.3% | 1.5% | ||
| Q3 24 | 2.5% | 1.9% | ||
| Q2 24 | 2.2% | 2.0% | ||
| Q1 24 | 9.8% | 1.2% |
每股收益（稀释后）BILLMNRO
| Q4 25 | $-0.03 | $0.35 | ||
| Q3 25 | $-0.03 | $0.18 | ||
| Q2 25 | $0.02 | $-0.28 | ||
| Q1 25 | $-0.11 | $-0.74 | ||
| Q4 24 | $-0.06 | $0.15 | ||
| Q3 24 | $0.08 | $0.18 | ||
| Q2 24 | $0.37 | $0.19 | ||
| Q1 24 | $0.00 | $0.12 |
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 | $1.1B | $4.9M |
| 总债务越低越好 | $1.8B | $45.0M |
| 股东权益账面价值 | $3.8B | $604.9M |
| 总资产 | $10.1B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.48× | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资BILLMNRO
| Q4 25 | $1.1B | $4.9M | ||
| Q3 25 | $1.1B | $10.5M | ||
| Q2 25 | $1.0B | $7.8M | ||
| Q1 25 | $1.0B | $20.8M | ||
| Q4 24 | $1.6B | $10.2M | ||
| Q3 24 | $853.5M | $20.9M | ||
| Q2 24 | $985.9M | $18.7M | ||
| Q1 24 | $952.5M | $6.6M |
总债务BILLMNRO
| Q4 25 | $1.8B | $45.0M | ||
| Q3 25 | $1.9B | $60.0M | ||
| Q2 25 | $1.7B | $71.5M | ||
| Q1 25 | $1.7B | $61.3M | ||
| Q4 24 | $1.7B | $59.3M | ||
| Q3 24 | $914.8M | $62.0M | ||
| Q2 24 | $914.0M | $112.0M | ||
| Q1 24 | $1.1B | $102.0M |
股东权益BILLMNRO
| Q4 25 | $3.8B | $604.9M | ||
| Q3 25 | $3.9B | $601.7M | ||
| Q2 25 | $3.9B | $604.9M | ||
| Q1 25 | $3.9B | $620.8M | ||
| Q4 24 | $3.8B | $648.9M | ||
| Q3 24 | $4.0B | $651.9M | ||
| Q2 24 | $4.1B | $654.4M | ||
| Q1 24 | $4.1B | $656.8M |
总资产BILLMNRO
| Q4 25 | $10.1B | $1.6B | ||
| Q3 25 | $10.2B | $1.6B | ||
| Q2 25 | $10.1B | $1.6B | ||
| Q1 25 | $9.6B | $1.6B | ||
| Q4 24 | $9.7B | $1.7B | ||
| Q3 24 | $9.0B | $1.7B | ||
| Q2 24 | $9.2B | $1.7B | ||
| Q1 24 | $9.1B | $1.7B |
负债/权益比BILLMNRO
| Q4 25 | 0.48× | 0.07× | ||
| Q3 25 | 0.48× | 0.10× | ||
| Q2 25 | 0.44× | 0.12× | ||
| Q1 25 | 0.43× | 0.10× | ||
| Q4 24 | 0.44× | 0.09× | ||
| Q3 24 | 0.23× | 0.10× | ||
| Q2 24 | 0.22× | 0.17× | ||
| Q1 24 | 0.28× | 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 | $105.3M | $17.8M |
| 自由现金流经营现金流 - 资本支出 | $103.8M | $9.1M |
| 自由现金流率自由现金流/营收 | 25.0% | 3.1% |
| 资本支出强度资本支出/营收 | 0.4% | 3.0% |
| 现金转化率经营现金流/净利润 | — | 1.60× |
| 过去12个月自由现金流最近4个季度 | $378.8M | $49.6M |
8季度趋势，按日历期对齐
经营现金流BILLMNRO
| Q4 25 | $105.3M | $17.8M | ||
| Q3 25 | $96.9M | $32.3M | ||
| Q2 25 | $83.8M | $-1.9M | ||
| Q1 25 | $99.5M | $28.9M | ||
| Q4 24 | $78.7M | $14.8M | ||
| Q3 24 | $88.6M | $62.6M | ||
| Q2 24 | $78.6M | $25.6M | ||
| Q1 24 | $66.8M | $-5.3M |
自由现金流BILLMNRO
| Q4 25 | $103.8M | $9.1M | ||
| Q3 25 | $95.6M | $26.6M | ||
| Q2 25 | $81.0M | $-9.3M | ||
| Q1 25 | $98.4M | $23.2M | ||
| Q4 24 | $78.3M | $7.9M | ||
| Q3 24 | $88.6M | $57.6M | ||
| Q2 24 | $78.4M | $16.8M | ||
| Q1 24 | $66.8M | $-11.9M |
自由现金流率BILLMNRO
| Q4 25 | 25.0% | 3.1% | ||
| Q3 25 | 24.1% | 9.2% | ||
| Q2 25 | 21.1% | -3.1% | ||
| Q1 25 | 27.5% | 7.9% | ||
| Q4 24 | 21.6% | 2.6% | ||
| Q3 24 | 24.7% | 19.1% | ||
| Q2 24 | 22.8% | 5.7% | ||
| Q1 24 | 20.7% | -3.8% |
资本支出强度BILLMNRO
| Q4 25 | 0.4% | 3.0% | ||
| Q3 25 | 0.3% | 2.0% | ||
| Q2 25 | 0.7% | 2.5% | ||
| Q1 25 | 0.3% | 1.9% | ||
| Q4 24 | 0.1% | 2.2% | ||
| Q3 24 | 0.0% | 1.6% | ||
| Q2 24 | 0.1% | 3.0% | ||
| Q1 24 | 0.0% | 2.1% |
现金转化率BILLMNRO
| Q4 25 | — | 1.60× | ||
| Q3 25 | — | 5.71× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 2.35× | 3.23× | ||
| Q3 24 | 9.94× | 11.08× | ||
| Q2 24 | 10.35× | 4.37× | ||
| Q1 24 | 2.10× | -1.42× |
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
BILL
| Accounts Payable And Accounts Receivable Solutions | $185.9M | 45% |
| Spend And Expense Interchange Revenue | $166.5M | 40% |
| Interest On Funds Held For Customers | $39.5M | 10% |
| Embedded And Other Solutions | $22.8M | 5% |
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
