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BILL Holdings, Inc.（BILL）与SHOE CARNIVAL INC（SCVL）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SHOE CARNIVAL INC的1.4倍（$414.7M vs $297.2M），SHOE CARNIVAL INC净利率更高（4.9% vs -0.6%，领先5.6%），BILL Holdings, Inc.同比增速更快（14.4% vs -3.2%），BILL Holdings, Inc.自由现金流更多（$103.8M vs $19.7M），过去两年BILL Holdings, Inc.的营收复合增速更高（13.3% vs 3.0%）
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。
Shoe Carnival Inc是一家美国家庭鞋类零售商，目前在美国中西部、南部、东南部地区以及波多黎各共开设了429家门店。该公司由大卫·拉塞尔于1978年创立，截至2025年，其总部位于南卡罗来纳州福特米尔。
BILL vs SCVL — 直观对比
营收规模更大
BILL
是对方的1.4倍
$297.2M
营收增速更快
BILL
高出17.5%
-3.2%
净利率更高
SCVL
高出5.6%
-0.6%
自由现金流更多
BILL
多$84.1M
$19.7M
两年增速更快
BILL
近两年复合增速
3.0%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $414.7M | $297.2M |
| 净利润 | $-2.6M | $14.6M |
| 毛利率 | 79.8% | 37.6% |
| 营业利润率 | -4.4% | 6.3% |
| 净利率 | -0.6% | 4.9% |
| 营收同比 | 14.4% | -3.2% |
| 净利润同比 | -107.7% | -23.9% |
| 每股收益（稀释后） | $-0.03 | $0.53 |
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BILLSCVL
| Q4 25 | $414.7M | $297.2M | ||
| Q3 25 | $395.7M | $306.4M | ||
| Q2 25 | $383.3M | $277.7M | ||
| Q1 25 | $358.2M | $262.9M | ||
| Q4 24 | $362.6M | $306.9M | ||
| Q3 24 | $358.4M | $332.7M | ||
| Q2 24 | $343.7M | $300.4M | ||
| Q1 24 | $323.0M | $280.2M |
净利润BILLSCVL
| Q4 25 | $-2.6M | $14.6M | ||
| Q3 25 | $-3.0M | $19.2M | ||
| Q2 25 | $-7.1M | $9.3M | ||
| Q1 25 | $-11.6M | $14.7M | ||
| Q4 24 | $33.5M | $19.2M | ||
| Q3 24 | $8.9M | $22.6M | ||
| Q2 24 | $7.6M | $17.3M | ||
| Q1 24 | $31.8M | $15.5M |
毛利率BILLSCVL
| Q4 25 | 79.8% | 37.6% | ||
| Q3 25 | 80.5% | 38.8% | ||
| Q2 25 | 80.8% | 34.5% | ||
| Q1 25 | 81.2% | 34.9% | ||
| Q4 24 | 81.6% | 36.0% | ||
| Q3 24 | 82.0% | 36.1% | ||
| Q2 24 | 81.0% | 35.6% | ||
| Q1 24 | 83.0% | 35.6% |
营业利润率BILLSCVL
| Q4 25 | -4.4% | 6.3% | ||
| Q3 25 | -5.2% | 8.2% | ||
| Q2 25 | -5.8% | 4.3% | ||
| Q1 25 | -8.1% | 5.3% | ||
| Q4 24 | -6.0% | 8.0% | ||
| Q3 24 | -2.1% | 9.0% | ||
| Q2 24 | -6.5% | 7.5% | ||
| Q1 24 | -8.6% | 7.1% |
净利率BILLSCVL
| Q4 25 | -0.6% | 4.9% | ||
| Q3 25 | -0.7% | 6.3% | ||
| Q2 25 | -1.8% | 3.4% | ||
| Q1 25 | -3.2% | 5.6% | ||
| Q4 24 | 9.3% | 6.3% | ||
| Q3 24 | 2.5% | 6.8% | ||
| Q2 24 | 2.2% | 5.8% | ||
| Q1 24 | 9.8% | 5.5% |
每股收益（稀释后）BILLSCVL
| Q4 25 | $-0.03 | $0.53 | ||
| Q3 25 | $-0.03 | $0.70 | ||
| Q2 25 | $0.02 | $0.34 | ||
| Q1 25 | $-0.11 | $0.53 | ||
| Q4 24 | $-0.06 | $0.70 | ||
| Q3 24 | $0.08 | $0.82 | ||
| Q2 24 | $0.37 | $0.63 | ||
| Q1 24 | $0.00 | $0.57 |
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 | $107.7M |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $3.8B | $683.2M |
| 总资产 | $10.1B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.48× | — |
8季度趋势，按日历期对齐
现金及短期投资BILLSCVL
| Q4 25 | $1.1B | $107.7M | ||
| Q3 25 | $1.1B | $91.9M | ||
| Q2 25 | $1.0B | $93.0M | ||
| Q1 25 | $1.0B | $123.1M | ||
| Q4 24 | $1.6B | $91.1M | ||
| Q3 24 | $853.5M | $84.5M | ||
| Q2 24 | $985.9M | $69.5M | ||
| Q1 24 | $952.5M | $111.2M |
总债务BILLSCVL
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.9B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $914.8M | — | ||
| Q2 24 | $914.0M | — | ||
| Q1 24 | $1.1B | — |
股东权益BILLSCVL
| Q4 25 | $3.8B | $683.2M | ||
| Q3 25 | $3.9B | $670.7M | ||
| Q2 25 | $3.9B | $653.6M | ||
| Q1 25 | $3.9B | $649.0M | ||
| Q4 24 | $3.8B | $635.7M | ||
| Q3 24 | $4.0B | $618.5M | ||
| Q2 24 | $4.1B | $597.8M | ||
| Q1 24 | $4.1B | $583.4M |
总资产BILLSCVL
| Q4 25 | $10.1B | $1.2B | ||
| Q3 25 | $10.2B | $1.2B | ||
| Q2 25 | $10.1B | $1.1B | ||
| Q1 25 | $9.6B | $1.1B | ||
| Q4 24 | $9.7B | $1.1B | ||
| Q3 24 | $9.0B | $1.1B | ||
| Q2 24 | $9.2B | $1.1B | ||
| Q1 24 | $9.1B | $1.0B |
负债/权益比BILLSCVL
| Q4 25 | 0.48× | — | ||
| Q3 25 | 0.48× | — | ||
| Q2 25 | 0.44× | — | ||
| Q1 25 | 0.43× | — | ||
| Q4 24 | 0.44× | — | ||
| Q3 24 | 0.23× | — | ||
| Q2 24 | 0.22× | — | ||
| Q1 24 | 0.28× | — |
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 | $33.6M |
| 自由现金流经营现金流 - 资本支出 | $103.8M | $19.7M |
| 自由现金流率自由现金流/营收 | 25.0% | 6.6% |
| 资本支出强度资本支出/营收 | 0.4% | 4.7% |
| 现金转化率经营现金流/净利润 | — | 2.30× |
| 过去12个月自由现金流最近4个季度 | $378.8M | $35.1M |
8季度趋势，按日历期对齐
经营现金流BILLSCVL
| Q4 25 | $105.3M | $33.6M | ||
| Q3 25 | $96.9M | $13.3M | ||
| Q2 25 | $83.8M | $-9.6M | ||
| Q1 25 | $99.5M | $44.5M | ||
| Q4 24 | $78.7M | $17.3M | ||
| Q3 24 | $88.6M | $23.7M | ||
| Q2 24 | $78.6M | $17.1M | ||
| Q1 24 | $66.8M | $53.4M |
自由现金流BILLSCVL
| Q4 25 | $103.8M | $19.7M | ||
| Q3 25 | $95.6M | $2.2M | ||
| Q2 25 | $81.0M | $-23.0M | ||
| Q1 25 | $98.4M | $36.2M | ||
| Q4 24 | $78.3M | $8.3M | ||
| Q3 24 | $88.6M | $18.2M | ||
| Q2 24 | $78.4M | $6.9M | ||
| Q1 24 | $66.8M | $40.7M |
自由现金流率BILLSCVL
| Q4 25 | 25.0% | 6.6% | ||
| Q3 25 | 24.1% | 0.7% | ||
| Q2 25 | 21.1% | -8.3% | ||
| Q1 25 | 27.5% | 13.8% | ||
| Q4 24 | 21.6% | 2.7% | ||
| Q3 24 | 24.7% | 5.5% | ||
| Q2 24 | 22.8% | 2.3% | ||
| Q1 24 | 20.7% | 14.5% |
资本支出强度BILLSCVL
| Q4 25 | 0.4% | 4.7% | ||
| Q3 25 | 0.3% | 3.6% | ||
| Q2 25 | 0.7% | 4.8% | ||
| Q1 25 | 0.3% | 3.2% | ||
| Q4 24 | 0.1% | 3.0% | ||
| Q3 24 | 0.0% | 1.7% | ||
| Q2 24 | 0.1% | 3.4% | ||
| Q1 24 | 0.0% | 4.5% |
现金转化率BILLSCVL
| Q4 25 | — | 2.30× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | -1.03× | ||
| Q1 25 | — | 3.04× | ||
| Q4 24 | 2.35× | 0.90× | ||
| Q3 24 | 9.94× | 1.05× | ||
| Q2 24 | 10.35× | 0.99× | ||
| Q1 24 | 2.10× | 3.44× |
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% |
SCVL
暂无分部数据
