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纽约梅隆银行（BK）与TWILIO INC（TWLO）财务数据对比。点击上方公司名可切换其他公司
TWILIO INC的季度营收约是纽约梅隆银行的1.0倍（$1.4B vs $1.3B），纽约梅隆银行净利率更高（108.5% vs -3.4%，领先111.9%），TWILIO INC同比增速更快（14.3% vs 12.7%），过去两年TWILIO INC的营收复合增速更高（14.2% vs 13.8%）
纽约梅隆银行是总部位于美国纽约的全球性金融服务机构，2007年7月由纽约银行与梅隆金融公司合并组建而成，业务覆盖全球众多市场，为机构、企业及个人客户提供专业金融服务，在资产管理、证券服务等领域拥有领先的行业地位。
Twilio是总部位于美国加利福尼亚州旧金山的云通信企业，提供可编程通信工具，用户可通过其网页服务API实现拨打接听电话、收发短信等多种通信功能，方便企业灵活搭建适配自身需求的通信解决方案，降低相关技术的自研投入。
BK vs TWLO — 直观对比
营收规模更大
TWLO
是对方的1.0倍
$1.3B
营收增速更快
TWLO
高出1.6%
12.7%
净利率更高
BK
高出111.9%
-3.4%
两年增速更快
TWLO
近两年复合增速
13.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $1.4B |
| 净利润 | $1.5B | $-45.9M |
| 毛利率 | — | 48.5% |
| 营业利润率 | — | 4.2% |
| 净利率 | 108.5% | -3.4% |
| 营收同比 | 12.7% | 14.3% |
| 净利润同比 | 26.5% | -267.7% |
| 每股收益（稀释后） | $2.01 | $-0.28 |
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BKTWLO
| Q4 25 | $1.3B | $1.4B | ||
| Q3 25 | $1.2B | $1.3B | ||
| Q2 25 | $1.2B | $1.2B | ||
| Q1 25 | $1.2B | $1.2B | ||
| Q4 24 | $1.2B | $1.2B | ||
| Q3 24 | $1.0B | $1.1B | ||
| Q2 24 | $1.0B | $1.1B | ||
| Q1 24 | $1.0B | $1.0B |
净利润BKTWLO
| Q4 25 | $1.5B | $-45.9M | ||
| Q3 25 | $1.4B | $37.2M | ||
| Q2 25 | $1.4B | $22.4M | ||
| Q1 25 | $1.2B | $20.0M | ||
| Q4 24 | $1.2B | $-12.5M | ||
| Q3 24 | $1.2B | $-9.7M | ||
| Q2 24 | $1.2B | $-31.9M | ||
| Q1 24 | $1.0B | $-55.3M |
毛利率BKTWLO
| Q4 25 | — | 48.5% | ||
| Q3 25 | — | 48.6% | ||
| Q2 25 | — | 49.1% | ||
| Q1 25 | — | 49.6% | ||
| Q4 24 | — | 50.2% | ||
| Q3 24 | — | 51.0% | ||
| Q2 24 | — | 51.3% | ||
| Q1 24 | — | 52.0% |
营业利润率BKTWLO
| Q4 25 | — | 4.2% | ||
| Q3 25 | — | 3.1% | ||
| Q2 25 | — | 3.0% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | -0.4% | ||
| Q2 24 | — | -1.8% | ||
| Q1 24 | — | -4.2% |
净利率BKTWLO
| Q4 25 | 108.5% | -3.4% | ||
| Q3 25 | 116.9% | 2.9% | ||
| Q2 25 | 118.3% | 1.8% | ||
| Q1 25 | 105.3% | 1.7% | ||
| Q4 24 | 96.7% | -1.0% | ||
| Q3 24 | 112.8% | -0.9% | ||
| Q2 24 | 113.4% | -2.9% | ||
| Q1 24 | 98.6% | -5.3% |
每股收益（稀释后）BKTWLO
| Q4 25 | $2.01 | $-0.28 | ||
| Q3 25 | $1.88 | $0.23 | ||
| Q2 25 | $1.93 | $0.14 | ||
| Q1 25 | $1.58 | $0.12 | ||
| Q4 24 | $1.53 | $-0.10 | ||
| Q3 24 | $1.50 | $-0.06 | ||
| Q2 24 | $1.52 | $-0.19 | ||
| Q1 24 | $1.25 | $-0.31 |
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 | $5.1B | $682.3M |
| 总债务越低越好 | $31.9B | $992.3M |
| 股东权益账面价值 | $44.3B | $7.8B |
| 总资产 | $472.3B | $9.8B |
| 负债/权益比越低杠杆越低 | 0.72× | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资BKTWLO
| Q4 25 | $5.1B | $682.3M | ||
| Q3 25 | $5.1B | $734.8M | ||
| Q2 25 | $5.7B | $969.2M | ||
| Q1 25 | $5.4B | $467.1M | ||
| Q4 24 | $4.2B | $421.3M | ||
| Q3 24 | $6.2B | $584.0M | ||
| Q2 24 | $5.3B | $755.1M | ||
| Q1 24 | $5.3B | $672.6M |
总债务BKTWLO
| Q4 25 | $31.9B | $992.3M | ||
| Q3 25 | $32.3B | $991.9M | ||
| Q2 25 | $33.4B | $991.4M | ||
| Q1 25 | $30.9B | $991.0M | ||
| Q4 24 | $30.9B | $990.6M | ||
| Q3 24 | $33.2B | $990.2M | ||
| Q2 24 | $30.9B | $989.8M | ||
| Q1 24 | $32.4B | $989.4M |
股东权益BKTWLO
| Q4 25 | $44.3B | $7.8B | ||
| Q3 25 | $43.9B | $7.9B | ||
| Q2 25 | $44.0B | $8.0B | ||
| Q1 25 | $43.1B | $8.0B | ||
| Q4 24 | $41.3B | $8.0B | ||
| Q3 24 | $42.0B | $8.2B | ||
| Q2 24 | $40.8B | $8.7B | ||
| Q1 24 | $40.6B | $9.4B |
总资产BKTWLO
| Q4 25 | $472.3B | $9.8B | ||
| Q3 25 | $455.3B | $9.7B | ||
| Q2 25 | $485.8B | $9.8B | ||
| Q1 25 | $440.7B | $9.8B | ||
| Q4 24 | $416.1B | $9.9B | ||
| Q3 24 | $427.5B | $10.0B | ||
| Q2 24 | $428.5B | $10.5B | ||
| Q1 24 | $434.7B | $11.3B |
负债/权益比BKTWLO
| Q4 25 | 0.72× | 0.13× | ||
| Q3 25 | 0.74× | 0.13× | ||
| Q2 25 | 0.76× | 0.12× | ||
| Q1 25 | 0.72× | 0.12× | ||
| Q4 24 | 0.75× | 0.12× | ||
| Q3 24 | 0.79× | 0.12× | ||
| Q2 24 | 0.76× | 0.11× | ||
| Q1 24 | 0.80× | 0.10× |
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 | $5.2B | $271.6M |
| 自由现金流经营现金流 - 资本支出 | $4.7B | — |
| 自由现金流率自由现金流/营收 | 352.8% | — |
| 资本支出强度资本支出/营收 | 32.4% | — |
| 现金转化率经营现金流/净利润 | 3.55× | — |
| 过去12个月自由现金流最近4个季度 | $5.2B | — |
8季度趋势，按日历期对齐
经营现金流BKTWLO
| Q4 25 | $5.2B | $271.6M | ||
| Q3 25 | $-1.1B | $263.6M | ||
| Q2 25 | $2.2B | $277.1M | ||
| Q1 25 | $412.0M | $191.0M | ||
| Q4 24 | $1.6B | $108.4M | ||
| Q3 24 | $-312.0M | $204.3M | ||
| Q2 24 | $2.1B | $213.3M | ||
| Q1 24 | $-2.7B | $190.1M |
自由现金流BKTWLO
| Q4 25 | $4.7B | — | ||
| Q3 25 | $-1.5B | — | ||
| Q2 25 | $1.8B | — | ||
| Q1 25 | $92.0M | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $-687.0M | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $-3.0B | — |
自由现金流率BKTWLO
| Q4 25 | 352.8% | — | ||
| Q3 25 | -121.5% | — | ||
| Q2 25 | 152.8% | — | ||
| Q1 25 | 7.9% | — | ||
| Q4 24 | 95.2% | — | ||
| Q3 24 | -65.6% | — | ||
| Q2 24 | 169.6% | — | ||
| Q1 24 | -286.4% | — |
资本支出强度BKTWLO
| Q4 25 | 32.4% | — | ||
| Q3 25 | 35.4% | — | ||
| Q2 25 | 29.8% | — | ||
| Q1 25 | 27.6% | — | ||
| Q4 24 | 34.6% | — | ||
| Q3 24 | 35.8% | — | ||
| Q2 24 | 37.1% | — | ||
| Q1 24 | 28.7% | — |
现金转化率BKTWLO
| Q4 25 | 3.55× | — | ||
| Q3 25 | -0.74× | 7.08× | ||
| Q2 25 | 1.54× | 12.36× | ||
| Q1 25 | 0.34× | 9.54× | ||
| Q4 24 | 1.34× | — | ||
| Q3 24 | -0.26× | — | ||
| Q2 24 | 1.82× | — | ||
| Q1 24 | -2.61× | — |
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
BK
暂无分部数据
TWLO
| US | $879.8M | 64% |
| Non Us | $486.1M | 36% |
