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BJ's Wholesale Club Holdings, Inc.（BJ）与Truist Financial（TFC）财务数据对比。点击上方公司名可切换其他公司
BJ's Wholesale Club Holdings, Inc.的季度营收约是Truist Financial的1.4倍（$5.3B vs $3.7B），Truist Financial净利率更高（36.6% vs 2.8%，领先33.8%），BJ's Wholesale Club Holdings, Inc.同比增速更快（4.9% vs 3.1%），过去两年Truist Financial的营收复合增速更高（4.8% vs -0.1%）
BJ's Wholesale Club Holdings是美国区域型会员制仓储连锁商超，总部位于马萨诸塞州马尔伯勒，业务覆盖美国东部地区及俄亥俄、密歇根、肯塔基州路易斯维尔、印第安纳、田纳西、佛罗里达、阿拉巴马等地，主要竞争对手为好市多和山姆会员店。
Truist Financial是美国银行控股公司，总部位于北卡罗来纳州夏洛特，2019年12月由BB&T与SunTrust合并组建。旗下银行在15个州及华盛顿特区共运营1928家网点，提供零售、商业、投资银行、证券经纪、资产管理、抵押贷款、保险等多元金融产品服务，为美国第十大银行，总资产达5230亿美元。
BJ vs TFC — 直观对比
营收规模更大
BJ
是对方的1.4倍
$3.7B
营收增速更快
BJ
高出1.8%
3.1%
净利率更高
TFC
高出33.8%
2.8%
两年增速更快
TFC
近两年复合增速
-0.1%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $5.3B | $3.7B |
| 净利润 | $152.1M | $1.4B |
| 毛利率 | 19.0% | — |
| 营业利润率 | 4.1% | 42.3% |
| 净利率 | 2.8% | 36.6% |
| 营收同比 | 4.9% | 3.1% |
| 净利润同比 | -2.4% | 6.1% |
| 每股收益（稀释后） | $1.15 | $1.01 |
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BJTFC
| Q4 25 | $5.3B | $3.7B | ||
| Q3 25 | $5.4B | $3.6B | ||
| Q2 25 | $5.2B | $3.6B | ||
| Q1 25 | $5.3B | $3.5B | ||
| Q4 24 | $5.1B | $3.6B | ||
| Q3 24 | $5.2B | $3.6B | ||
| Q2 24 | $4.9B | $3.5B | ||
| Q1 24 | $5.4B | $3.4B |
净利润BJTFC
| Q4 25 | $152.1M | $1.4B | ||
| Q3 25 | $150.7M | $1.5B | ||
| Q2 25 | $149.8M | $1.2B | ||
| Q1 25 | $122.7M | $1.3B | ||
| Q4 24 | $155.7M | $1.3B | ||
| Q3 24 | $145.0M | $1.4B | ||
| Q2 24 | $111.0M | $922.0M | ||
| Q1 24 | $145.9M | $1.2B |
毛利率BJTFC
| Q4 25 | 19.0% | — | ||
| Q3 25 | 18.7% | — | ||
| Q2 25 | 18.8% | — | ||
| Q1 25 | 18.0% | — | ||
| Q4 24 | 19.1% | — | ||
| Q3 24 | 18.4% | — | ||
| Q2 24 | 18.0% | — | ||
| Q1 24 | 18.0% | — |
营业利润率BJTFC
| Q4 25 | 4.1% | 42.3% | ||
| Q3 25 | 4.0% | 47.9% | ||
| Q2 25 | 4.0% | 42.2% | ||
| Q1 25 | 3.4% | 43.8% | ||
| Q4 24 | 4.5% | 43.3% | ||
| Q3 24 | 3.9% | 47.5% | ||
| Q2 24 | 3.3% | -148.3% | ||
| Q1 24 | 4.0% | 40.5% |
净利率BJTFC
| Q4 25 | 2.8% | 36.6% | ||
| Q3 25 | 2.8% | 40.0% | ||
| Q2 25 | 2.9% | 34.6% | ||
| Q1 25 | 2.3% | 36.0% | ||
| Q4 24 | 3.1% | 35.5% | ||
| Q3 24 | 2.8% | 40.0% | ||
| Q2 24 | 2.3% | 26.1% | ||
| Q1 24 | 2.7% | 35.6% |
每股收益（稀释后）BJTFC
| Q4 25 | $1.15 | $1.01 | ||
| Q3 25 | $1.14 | $1.04 | ||
| Q2 25 | $1.13 | $0.90 | ||
| Q1 25 | $0.92 | $0.87 | ||
| Q4 24 | $1.17 | $0.94 | ||
| Q3 24 | $1.08 | $0.99 | ||
| Q2 24 | $0.83 | $0.62 | ||
| Q1 24 | $1.09 | $0.81 |
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 | $45.1M | — |
| 总债务越低越好 | $399.0M | $42.0B |
| 股东权益账面价值 | $2.2B | $65.2B |
| 总资产 | $7.5B | $547.5B |
| 负债/权益比越低杠杆越低 | 0.18× | 0.64× |
8季度趋势，按日历期对齐
现金及短期投资BJTFC
| Q4 25 | $45.1M | — | ||
| Q3 25 | $47.3M | — | ||
| Q2 25 | $39.5M | — | ||
| Q1 25 | $28.3M | — | ||
| Q4 24 | $33.9M | — | ||
| Q3 24 | $38.1M | — | ||
| Q2 24 | $35.1M | — | ||
| Q1 24 | $36.0M | — |
总债务BJTFC
| Q4 25 | $399.0M | $42.0B | ||
| Q3 25 | $399.0M | $41.7B | ||
| Q2 25 | $398.9M | $44.4B | ||
| Q1 25 | $398.8M | $32.0B | ||
| Q4 24 | $398.7M | $35.0B | ||
| Q3 24 | $398.6M | $36.8B | ||
| Q2 24 | $398.5M | $34.6B | ||
| Q1 24 | $398.4M | $39.1B |
股东权益BJTFC
| Q4 25 | $2.2B | $65.2B | ||
| Q3 25 | $2.1B | $65.6B | ||
| Q2 25 | $2.0B | $64.8B | ||
| Q1 25 | $1.8B | $64.6B | ||
| Q4 24 | $1.8B | $63.7B | ||
| Q3 24 | $1.7B | $65.7B | ||
| Q2 24 | $1.5B | $63.8B | ||
| Q1 24 | $1.5B | $59.1B |
总资产BJTFC
| Q4 25 | $7.5B | $547.5B | ||
| Q3 25 | $7.2B | $543.9B | ||
| Q2 25 | $7.2B | $543.8B | ||
| Q1 25 | $7.1B | $535.9B | ||
| Q4 24 | $7.2B | $531.2B | ||
| Q3 24 | $6.9B | $523.4B | ||
| Q2 24 | $6.8B | $519.9B | ||
| Q1 24 | $6.7B | $535.0B |
负债/权益比BJTFC
| Q4 25 | 0.18× | 0.64× | ||
| Q3 25 | 0.19× | 0.64× | ||
| Q2 25 | 0.20× | 0.69× | ||
| Q1 25 | 0.22× | 0.50× | ||
| Q4 24 | 0.23× | 0.55× | ||
| Q3 24 | 0.24× | 0.56× | ||
| Q2 24 | 0.26× | 0.54× | ||
| Q1 24 | 0.27× | 0.66× |
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 | $181.1M | $2.6B |
| 自由现金流经营现金流 - 资本支出 | $-13.7M | — |
| 自由现金流率自由现金流/营收 | -0.3% | — |
| 资本支出强度资本支出/营收 | 3.6% | — |
| 现金转化率经营现金流/净利润 | 1.19× | 1.91× |
| 过去12个月自由现金流最近4个季度 | $249.6M | — |
8季度趋势，按日历期对齐
经营现金流BJTFC
| Q4 25 | $181.1M | $2.6B | ||
| Q3 25 | $249.9M | $1.5B | ||
| Q2 25 | $208.1M | $914.0M | ||
| Q1 25 | $271.9M | $746.0M | ||
| Q4 24 | $206.8M | $775.0M | ||
| Q3 24 | $221.4M | $1.5B | ||
| Q2 24 | $200.8M | $845.0M | ||
| Q1 24 | $274.4M | $-990.0M |
自由现金流BJTFC
| Q4 25 | $-13.7M | — | ||
| Q3 25 | $84.3M | — | ||
| Q2 25 | $67.6M | — | ||
| Q1 25 | $111.5M | — | ||
| Q4 24 | $18.8M | — | ||
| Q3 24 | $87.5M | — | ||
| Q2 24 | $95.1M | — | ||
| Q1 24 | $155.2M | — |
自由现金流率BJTFC
| Q4 25 | -0.3% | — | ||
| Q3 25 | 1.6% | — | ||
| Q2 25 | 1.3% | — | ||
| Q1 25 | 2.1% | — | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 1.7% | — | ||
| Q2 24 | 1.9% | — | ||
| Q1 24 | 2.9% | — |
资本支出强度BJTFC
| Q4 25 | 3.6% | — | ||
| Q3 25 | 3.1% | — | ||
| Q2 25 | 2.7% | — | ||
| Q1 25 | 3.0% | — | ||
| Q4 24 | 3.7% | — | ||
| Q3 24 | 2.6% | — | ||
| Q2 24 | 2.1% | — | ||
| Q1 24 | 2.2% | — |
现金转化率BJTFC
| Q4 25 | 1.19× | 1.91× | ||
| Q3 25 | 1.66× | 1.03× | ||
| Q2 25 | 1.39× | 0.74× | ||
| Q1 25 | 2.22× | 0.59× | ||
| Q4 24 | 1.33× | 0.61× | ||
| Q3 24 | 1.53× | 1.06× | ||
| Q2 24 | 1.81× | 0.92× | ||
| Q1 24 | 1.88× | -0.82× |
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
BJ
| Products | $5.4B | 102% |
| Membership | $129.8M | 2% |
TFC
暂无分部数据
