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BILL Holdings, Inc.（BILL）与WSFS FINANCIAL CORP（WSFS）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WSFS FINANCIAL CORP的1.5倍（$414.7M vs $275.3M），WSFS FINANCIAL CORP净利率更高（31.5% vs -0.6%，领先32.2%），BILL Holdings, Inc.同比增速更快（14.4% vs 7.5%），过去两年BILL Holdings, Inc.的营收复合增速更高（13.3% vs 1.7%）
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。
WSFS金融集团是一家金融服务企业，核心子公司WSFS银行是总部位于特拉华州及大特拉华谷地区规模最大、经营历史最久的本地管理银行与财富管理机构。集团共运营115个网点，其中88个为银行网点，分布在宾夕法尼亚、特拉华、新泽西、佛罗里达、弗吉尼亚、内华达六州，提供全面金融服务。
BILL vs WSFS — 直观对比
营收规模更大
BILL
是对方的1.5倍
$275.3M
营收增速更快
BILL
高出6.9%
7.5%
净利率更高
WSFS
高出32.2%
-0.6%
两年增速更快
BILL
近两年复合增速
1.7%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $414.7M | $275.3M |
| 净利润 | $-2.6M | $86.8M |
| 毛利率 | 79.8% | — |
| 营业利润率 | -4.4% | — |
| 净利率 | -0.6% | 31.5% |
| 营收同比 | 14.4% | 7.5% |
| 净利润同比 | -107.7% | 31.7% |
| 每股收益（稀释后） | $-0.03 | $1.64 |
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BILLWSFS
| Q1 26 | — | $275.3M | ||
| Q4 25 | $414.7M | $271.9M | ||
| Q3 25 | $395.7M | $270.5M | ||
| Q2 25 | $383.3M | $267.5M | ||
| Q1 25 | $358.2M | $256.1M | ||
| Q4 24 | $362.6M | $261.5M | ||
| Q3 24 | $358.4M | $267.7M | ||
| Q2 24 | $343.7M | $266.0M |
净利润BILLWSFS
| Q1 26 | — | $86.8M | ||
| Q4 25 | $-2.6M | $72.7M | ||
| Q3 25 | $-3.0M | $76.4M | ||
| Q2 25 | $-7.1M | $72.3M | ||
| Q1 25 | $-11.6M | $65.9M | ||
| Q4 24 | $33.5M | $64.2M | ||
| Q3 24 | $8.9M | $64.4M | ||
| Q2 24 | $7.6M | $69.3M |
毛利率BILLWSFS
| 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BILLWSFS
| Q1 26 | — | — | ||
| Q4 25 | -4.4% | 35.8% | ||
| Q3 25 | -5.2% | 37.3% | ||
| Q2 25 | -5.8% | 35.7% | ||
| Q1 25 | -8.1% | 34.0% | ||
| Q4 24 | -6.0% | 32.3% | ||
| Q3 24 | -2.1% | 31.9% | ||
| Q2 24 | -6.5% | 34.0% |
净利率BILLWSFS
| Q1 26 | — | 31.5% | ||
| Q4 25 | -0.6% | 26.7% | ||
| Q3 25 | -0.7% | 28.3% | ||
| Q2 25 | -1.8% | 27.0% | ||
| Q1 25 | -3.2% | 25.7% | ||
| Q4 24 | 9.3% | 24.6% | ||
| Q3 24 | 2.5% | 24.1% | ||
| Q2 24 | 2.2% | 26.0% |
每股收益（稀释后）BILLWSFS
| Q1 26 | — | $1.64 | ||
| Q4 25 | $-0.03 | $1.33 | ||
| Q3 25 | $-0.03 | $1.37 | ||
| Q2 25 | $0.02 | $1.27 | ||
| Q1 25 | $-0.11 | $1.12 | ||
| Q4 24 | $-0.06 | $1.08 | ||
| Q3 24 | $0.08 | $1.08 | ||
| Q2 24 | $0.37 | $1.16 |
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 | — |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $3.8B | $2.7B |
| 总资产 | $10.1B | $22.1B |
| 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BILLWSFS
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $1.7B | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $1.0B | — | ||
| Q1 25 | $1.0B | — | ||
| Q4 24 | $1.6B | $1.2B | ||
| Q3 24 | $853.5M | — | ||
| Q2 24 | $985.9M | — |
总债务BILLWSFS
| 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BILLWSFS
| Q1 26 | — | $2.7B | ||
| Q4 25 | $3.8B | $2.7B | ||
| Q3 25 | $3.9B | $2.8B | ||
| Q2 25 | $3.9B | $2.7B | ||
| Q1 25 | $3.9B | $2.7B | ||
| Q4 24 | $3.8B | $2.6B | ||
| Q3 24 | $4.0B | $2.7B | ||
| Q2 24 | $4.1B | $2.5B |
总资产BILLWSFS
| Q1 26 | — | $22.1B | ||
| Q4 25 | $10.1B | $21.3B | ||
| Q3 25 | $10.2B | $20.8B | ||
| Q2 25 | $10.1B | $20.8B | ||
| Q1 25 | $9.6B | $20.5B | ||
| Q4 24 | $9.7B | $20.8B | ||
| Q3 24 | $9.0B | $20.9B | ||
| Q2 24 | $9.2B | $20.7B |
负债/权益比BILLWSFS
| 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BILLWSFS
| Q1 26 | — | — | ||
| Q4 25 | $105.3M | $220.0M | ||
| Q3 25 | $96.9M | $121.5M | ||
| Q2 25 | $83.8M | $37.2M | ||
| Q1 25 | $99.5M | $8.7M | ||
| Q4 24 | $78.7M | $219.9M | ||
| Q3 24 | $88.6M | $3.1M | ||
| Q2 24 | $78.6M | $44.8M |
自由现金流BILLWSFS
| Q1 26 | — | — | ||
| Q4 25 | $103.8M | $213.6M | ||
| Q3 25 | $95.6M | $120.3M | ||
| Q2 25 | $81.0M | $35.2M | ||
| Q1 25 | $98.4M | $6.3M | ||
| Q4 24 | $78.3M | $205.6M | ||
| Q3 24 | $88.6M | $-489.0K | ||
| Q2 24 | $78.4M | $42.1M |
自由现金流率BILLWSFS
| Q1 26 | — | — | ||
| Q4 25 | 25.0% | 78.6% | ||
| Q3 25 | 24.1% | 44.5% | ||
| Q2 25 | 21.1% | 13.2% | ||
| Q1 25 | 27.5% | 2.5% | ||
| Q4 24 | 21.6% | 78.6% | ||
| Q3 24 | 24.7% | -0.2% | ||
| Q2 24 | 22.8% | 15.8% |
资本支出强度BILLWSFS
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 2.3% | ||
| Q3 25 | 0.3% | 0.5% | ||
| Q2 25 | 0.7% | 0.7% | ||
| Q1 25 | 0.3% | 0.9% | ||
| Q4 24 | 0.1% | 5.5% | ||
| Q3 24 | 0.0% | 1.4% | ||
| Q2 24 | 0.1% | 1.0% |
现金转化率BILLWSFS
| Q1 26 | — | — | ||
| Q4 25 | — | 3.03× | ||
| Q3 25 | — | 1.59× | ||
| Q2 25 | — | 0.51× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | 2.35× | 3.43× | ||
| Q3 24 | 9.94× | 0.05× | ||
| Q2 24 | 10.35× | 0.65× |
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% |
WSFS
暂无分部数据
