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BILL Holdings, Inc.（BILL）与SouthState Bank Corp（SSB）财务数据对比。点击上方公司名可切换其他公司
SouthState Bank Corp的季度营收约是BILL Holdings, Inc.的1.6倍（$661.7M vs $414.7M），SouthState Bank Corp净利率更高（34.1% vs -0.6%，领先34.8%），过去两年SouthState Bank Corp的营收复合增速更高（37.4% vs 13.3%）
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。
SouthState Bank总部位于美国佛罗里达州温特黑文，是银行控股公司SouthState Corporation旗下的银行子公司。截至2025年5月26日，该行已在南卡罗来纳、北卡罗来纳、佐治亚、佛罗里达、阿拉巴马、弗吉尼亚、科罗拉多、得克萨斯八州设有371家营业网点，为当地客户提供各类银行金融服务。
BILL vs SSB — 直观对比
营收规模更大
SSB
是对方的1.6倍
$414.7M
净利率更高
SSB
高出34.8%
-0.6%
两年增速更快
SSB
近两年复合增速
13.3%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $414.7M | $661.7M |
| 净利润 | $-2.6M | $225.8M |
| 毛利率 | 79.8% | — |
| 营业利润率 | -4.4% | 15.1% |
| 净利率 | -0.6% | 34.1% |
| 营收同比 | 14.4% | — |
| 净利润同比 | -107.7% | 153.5% |
| 每股收益（稀释后） | $-0.03 | $2.28 |
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BILLSSB
| Q1 26 | — | $661.7M | ||
| Q4 25 | $414.7M | $581.1M | ||
| Q3 25 | $395.7M | $599.7M | ||
| Q2 25 | $383.3M | $577.9M | ||
| Q1 25 | $358.2M | $544.5M | ||
| Q4 24 | $362.6M | $369.8M | ||
| Q3 24 | $358.4M | $351.5M | ||
| Q2 24 | $343.7M | $350.3M |
净利润BILLSSB
| Q1 26 | — | $225.8M | ||
| Q4 25 | $-2.6M | $247.7M | ||
| Q3 25 | $-3.0M | $246.6M | ||
| Q2 25 | $-7.1M | $215.2M | ||
| Q1 25 | $-11.6M | $89.1M | ||
| Q4 24 | $33.5M | $144.2M | ||
| Q3 24 | $8.9M | $143.2M | ||
| Q2 24 | $7.6M | $132.4M |
毛利率BILLSSB
| Q1 26 | — | — | ||
| Q4 25 | 79.8% | — | ||
| Q3 25 | 80.5% | — | ||
| Q2 25 | 80.8% | — | ||
| Q1 25 | 81.2% | — | ||
| Q4 24 | 81.6% | — | ||
| Q3 24 | 82.0% | — | ||
| Q2 24 | 81.0% | — |
营业利润率BILLSSB
| Q1 26 | — | 15.1% | ||
| Q4 25 | -4.4% | 54.3% | ||
| Q3 25 | -5.2% | 53.6% | ||
| Q2 25 | -5.8% | 48.8% | ||
| Q1 25 | -8.1% | 22.3% | ||
| Q4 24 | -6.0% | 50.7% | ||
| Q3 24 | -2.1% | 53.1% | ||
| Q2 24 | -6.5% | 49.3% |
净利率BILLSSB
| Q1 26 | — | 34.1% | ||
| Q4 25 | -0.6% | 42.6% | ||
| Q3 25 | -0.7% | 41.1% | ||
| Q2 25 | -1.8% | 37.2% | ||
| Q1 25 | -3.2% | 16.4% | ||
| Q4 24 | 9.3% | 39.0% | ||
| Q3 24 | 2.5% | 40.7% | ||
| Q2 24 | 2.2% | 37.8% |
每股收益（稀释后）BILLSSB
| Q1 26 | — | $2.28 | ||
| Q4 25 | $-0.03 | $2.47 | ||
| Q3 25 | $-0.03 | $2.42 | ||
| Q2 25 | $0.02 | $2.11 | ||
| Q1 25 | $-0.11 | $0.87 | ||
| Q4 24 | $-0.06 | $1.88 | ||
| Q3 24 | $0.08 | $1.86 | ||
| Q2 24 | $0.37 | $1.73 |
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 | $2.9B |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $3.8B | $9.0B |
| 总资产 | $10.1B | $68.0B |
| 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BILLSSB
| Q1 26 | — | $2.9B | ||
| Q4 25 | $1.1B | — | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $1.0B | — | ||
| Q1 25 | $1.0B | — | ||
| Q4 24 | $1.6B | — | ||
| Q3 24 | $853.5M | — | ||
| Q2 24 | $985.9M | — |
总债务BILLSSB
| Q1 26 | — | — | ||
| 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 | — |
股东权益BILLSSB
| Q1 26 | — | $9.0B | ||
| Q4 25 | $3.8B | $9.1B | ||
| Q3 25 | $3.9B | $9.0B | ||
| Q2 25 | $3.9B | $8.8B | ||
| Q1 25 | $3.9B | $8.6B | ||
| Q4 24 | $3.8B | $5.9B | ||
| Q3 24 | $4.0B | $5.9B | ||
| Q2 24 | $4.1B | $5.7B |
总资产BILLSSB
| Q1 26 | — | $68.0B | ||
| Q4 25 | $10.1B | $67.2B | ||
| Q3 25 | $10.2B | $66.0B | ||
| Q2 25 | $10.1B | $65.9B | ||
| Q1 25 | $9.6B | $65.1B | ||
| Q4 24 | $9.7B | $46.4B | ||
| Q3 24 | $9.0B | $46.1B | ||
| Q2 24 | $9.2B | $45.5B |
负债/权益比BILLSSB
| Q1 26 | — | — | ||
| 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× | — |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $103.8M | — |
| 自由现金流率自由现金流/营收 | 25.0% | — |
| 资本支出强度资本支出/营收 | 0.4% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $378.8M | — |
8季度趋势，按日历期对齐
经营现金流BILLSSB
| Q1 26 | — | — | ||
| Q4 25 | $105.3M | $232.1M | ||
| Q3 25 | $96.9M | $122.4M | ||
| Q2 25 | $83.8M | $72.6M | ||
| Q1 25 | $99.5M | $-126.3M | ||
| Q4 24 | $78.7M | $354.3M | ||
| Q3 24 | $88.6M | $-246.8M | ||
| Q2 24 | $78.6M | $126.8M |
自由现金流BILLSSB
| Q1 26 | — | — | ||
| Q4 25 | $103.8M | $215.5M | ||
| Q3 25 | $95.6M | $101.7M | ||
| Q2 25 | $81.0M | $52.5M | ||
| Q1 25 | $98.4M | $-139.1M | ||
| Q4 24 | $78.3M | $340.9M | ||
| Q3 24 | $88.6M | $-254.2M | ||
| Q2 24 | $78.4M | $117.3M |
自由现金流率BILLSSB
| Q1 26 | — | — | ||
| Q4 25 | 25.0% | 37.1% | ||
| Q3 25 | 24.1% | 17.0% | ||
| Q2 25 | 21.1% | 9.1% | ||
| Q1 25 | 27.5% | -25.5% | ||
| Q4 24 | 21.6% | 92.2% | ||
| Q3 24 | 24.7% | -72.3% | ||
| Q2 24 | 22.8% | 33.5% |
资本支出强度BILLSSB
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 2.9% | ||
| Q3 25 | 0.3% | 3.5% | ||
| Q2 25 | 0.7% | 3.5% | ||
| Q1 25 | 0.3% | 2.4% | ||
| Q4 24 | 0.1% | 3.6% | ||
| Q3 24 | 0.0% | 2.1% | ||
| Q2 24 | 0.1% | 2.7% |
现金转化率BILLSSB
| Q1 26 | — | — | ||
| Q4 25 | — | 0.94× | ||
| Q3 25 | — | 0.50× | ||
| Q2 25 | — | 0.34× | ||
| Q1 25 | — | -1.42× | ||
| Q4 24 | 2.35× | 2.46× | ||
| Q3 24 | 9.94× | -1.72× | ||
| Q2 24 | 10.35× | 0.96× |
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% |
SSB
| Net Interest Income | $561.6M | 85% |
| Noninterest Income | $100.1M | 15% |
