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Barnes & Noble Education, Inc.（BNED）与SoFi Technologies, Inc.（SOFI）财务数据对比。点击上方公司名可切换其他公司
SoFi Technologies, Inc.的季度营收约是Barnes & Noble Education, Inc.的1.7倍（$1.0B vs $598.2M），SoFi Technologies, Inc.净利率更高（16.9% vs 4.2%，领先12.8%），SoFi Technologies, Inc.同比增速更快（39.6% vs 6.9%），Barnes & Noble Education, Inc.自由现金流更多（$61.9M vs $-4.0B），过去两年SoFi Technologies, Inc.的营收复合增速更高（26.1% vs 20.0%）
巴诺教育旗下的巴诺书店是美国门店数量最多的图书零售商，目前在美国各地经营着七百多家线下实体门店，是美国本土颇具影响力的线下图书零售企业，深耕图书零售领域多年。
SoFi Technologies是美国金融科技企业，2011年由斯坦福大学学生创立，持有全国性特许牌照运营线上银行，同时为其他金融机构提供技术解决方案，是美国规模最大的线上贷款机构，截至2025年累计服务客户达1370万。
BNED vs SOFI — 直观对比
营收规模更大
SOFI
是对方的1.7倍
$598.2M
营收增速更快
SOFI
高出32.7%
6.9%
净利率更高
SOFI
高出12.8%
4.2%
自由现金流更多
BNED
多$4.0B
$-4.0B
两年增速更快
SOFI
近两年复合增速
20.0%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $598.2M | $1.0B |
| 净利润 | $25.0M | $173.5M |
| 毛利率 | 21.7% | 84.2% |
| 营业利润率 | 6.8% | 18.1% |
| 净利率 | 4.2% | 16.9% |
| 营收同比 | 6.9% | 39.6% |
| 净利润同比 | -49.7% | -47.8% |
| 每股收益（稀释后） | $0.72 | $0.14 |
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BNEDSOFI
| Q4 25 | $598.2M | $1.0B | ||
| Q3 25 | $274.2M | $961.6M | ||
| Q2 25 | $233.0M | $854.9M | ||
| Q1 25 | $419.7M | $771.8M | ||
| Q4 24 | $559.7M | $734.1M | ||
| Q3 24 | $250.9M | $697.1M | ||
| Q2 24 | $192.7M | $598.6M | ||
| Q1 24 | $415.4M | $645.0M |
净利润BNEDSOFI
| Q4 25 | $25.0M | $173.5M | ||
| Q3 25 | $-18.3M | $139.4M | ||
| Q2 25 | $-23.0M | $97.3M | ||
| Q1 25 | $17.9M | $71.1M | ||
| Q4 24 | $43.2M | $332.5M | ||
| Q3 24 | $-103.9M | $60.7M | ||
| Q2 24 | $-41.9M | $17.4M | ||
| Q1 24 | $-9.3M | $88.0M |
毛利率BNEDSOFI
| Q4 25 | 21.7% | 84.2% | ||
| Q3 25 | 20.2% | 83.2% | ||
| Q2 25 | 30.3% | 82.4% | ||
| Q1 25 | 22.3% | 82.4% | ||
| Q4 24 | 23.0% | 82.5% | ||
| Q3 24 | 17.9% | 82.3% | ||
| Q2 24 | 28.7% | 81.7% | ||
| Q1 24 | 24.2% | 84.5% |
营业利润率BNEDSOFI
| Q4 25 | 6.8% | 18.1% | ||
| Q3 25 | -8.4% | 15.4% | ||
| Q2 25 | -4.9% | 13.1% | ||
| Q1 25 | 4.5% | 10.3% | ||
| Q4 24 | 8.4% | 8.2% | ||
| Q3 24 | -15.4% | 9.2% | ||
| Q2 24 | -16.3% | 2.6% | ||
| Q1 24 | 0.4% | 14.6% |
净利率BNEDSOFI
| Q4 25 | 4.2% | 16.9% | ||
| Q3 25 | -6.7% | 14.5% | ||
| Q2 25 | -9.9% | 11.4% | ||
| Q1 25 | 4.3% | 9.2% | ||
| Q4 24 | 7.7% | 45.3% | ||
| Q3 24 | -41.4% | 8.7% | ||
| Q2 24 | -21.7% | 2.9% | ||
| Q1 24 | -2.2% | 13.7% |
每股收益（稀释后）BNEDSOFI
| Q4 25 | $0.72 | $0.14 | ||
| Q3 25 | $-0.54 | $0.11 | ||
| Q2 25 | $2.97 | $0.08 | ||
| Q1 25 | $0.59 | $0.06 | ||
| Q4 24 | $1.63 | $0.31 | ||
| Q3 24 | $-7.69 | $0.05 | ||
| Q2 24 | $-15.68 | $0.01 | ||
| Q1 24 | $-3.49 | $0.02 |
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 | $11.7M | $4.9B |
| 总债务越低越好 | $122.5M | — |
| 股东权益账面价值 | $283.2M | $10.5B |
| 总资产 | $1.1B | $50.7B |
| 负债/权益比越低杠杆越低 | 0.43× | — |
8季度趋势，按日历期对齐
现金及短期投资BNEDSOFI
| Q4 25 | $11.7M | $4.9B | ||
| Q3 25 | $7.3M | $3.2B | ||
| Q2 25 | $9.1M | $2.1B | ||
| Q1 25 | $9.2M | $2.1B | ||
| Q4 24 | $11.6M | $2.5B | ||
| Q3 24 | $8.2M | $2.4B | ||
| Q2 24 | $10.5M | $2.3B | ||
| Q1 24 | $8.1M | $3.7B |
总债务BNEDSOFI
| Q4 25 | $122.5M | — | ||
| Q3 25 | $170.0M | — | ||
| Q2 25 | $103.1M | — | ||
| Q1 25 | $141.2M | — | ||
| Q4 24 | $177.6M | — | ||
| Q3 24 | $221.9M | — | ||
| Q2 24 | $196.3M | — | ||
| Q1 24 | $30.2M | — |
股东权益BNEDSOFI
| Q4 25 | $283.2M | $10.5B | ||
| Q3 25 | $256.5M | $8.8B | ||
| Q2 25 | $272.2M | $6.9B | ||
| Q1 25 | $292.9M | $6.7B | ||
| Q4 24 | $211.4M | $6.5B | ||
| Q3 24 | $149.8M | $6.1B | ||
| Q2 24 | $80.4M | $5.9B | ||
| Q1 24 | $121.5M | $5.8B |
总资产BNEDSOFI
| Q4 25 | $1.1B | $50.7B | ||
| Q3 25 | $950.8M | $45.3B | ||
| Q2 25 | $790.3M | $41.1B | ||
| Q1 25 | $1.1B | $37.7B | ||
| Q4 24 | $1.0B | $36.3B | ||
| Q3 24 | $973.2M | $34.4B | ||
| Q2 24 | $909.9M | $32.6B | ||
| Q1 24 | $1.2B | $31.3B |
负债/权益比BNEDSOFI
| Q4 25 | 0.43× | — | ||
| Q3 25 | 0.66× | — | ||
| Q2 25 | 0.38× | — | ||
| Q1 25 | 0.48× | — | ||
| Q4 24 | 0.84× | — | ||
| Q3 24 | 1.48× | — | ||
| Q2 24 | 2.44× | — | ||
| Q1 24 | 0.25× | — |
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 | $66.2M | $-3.7B |
| 自由现金流经营现金流 - 资本支出 | $61.9M | $-4.0B |
| 自由现金流率自由现金流/营收 | 10.4% | -388.8% |
| 资本支出强度资本支出/营收 | 0.7% | 23.7% |
| 现金转化率经营现金流/净利润 | 2.65× | -21.56× |
| 过去12个月自由现金流最近4个季度 | $-4.6M | $-6.9B |
8季度趋势，按日历期对齐
经营现金流BNEDSOFI
| Q4 25 | $66.2M | $-3.7B | ||
| Q3 25 | $-67.6M | $-1.3B | ||
| Q2 25 | $52.6M | $-1.5B | ||
| Q1 25 | $-41.9M | $21.5M | ||
| Q4 24 | $47.4M | $-1.1B | ||
| Q3 24 | $-143.5M | $-1.2B | ||
| Q2 24 | $81.7M | $-484.4M | ||
| Q1 24 | $-35.8M | $738.2M |
自由现金流BNEDSOFI
| Q4 25 | $61.9M | $-4.0B | ||
| Q3 25 | $-71.3M | $-1.4B | ||
| Q2 25 | $49.5M | $-1.5B | ||
| Q1 25 | $-44.7M | $-31.1M | ||
| Q4 24 | $44.4M | $-1.3B | ||
| Q3 24 | $-147.5M | $-1.2B | ||
| Q2 24 | $79.1M | $-521.1M | ||
| Q1 24 | $-39.0M | $706.3M |
自由现金流率BNEDSOFI
| Q4 25 | 10.4% | -388.8% | ||
| Q3 25 | -26.0% | -142.0% | ||
| Q2 25 | 21.3% | -179.0% | ||
| Q1 25 | -10.7% | -4.0% | ||
| Q4 24 | 7.9% | -173.5% | ||
| Q3 24 | -58.8% | -174.6% | ||
| Q2 24 | 41.1% | -87.0% | ||
| Q1 24 | -9.4% | 109.5% |
资本支出强度BNEDSOFI
| Q4 25 | 0.7% | 23.7% | ||
| Q3 25 | 1.4% | 6.2% | ||
| Q2 25 | 1.3% | 7.4% | ||
| Q1 25 | 0.7% | 6.8% | ||
| Q4 24 | 0.5% | 21.0% | ||
| Q3 24 | 1.6% | 6.2% | ||
| Q2 24 | 1.4% | 6.1% | ||
| Q1 24 | 0.8% | 5.0% |
现金转化率BNEDSOFI
| Q4 25 | 2.65× | -21.56× | ||
| Q3 25 | — | -9.37× | ||
| Q2 25 | — | -15.08× | ||
| Q1 25 | -2.34× | 0.30× | ||
| Q4 24 | 1.10× | -3.37× | ||
| Q3 24 | — | -19.32× | ||
| Q2 24 | — | -27.83× | ||
| Q1 24 | — | 8.39× |
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
BNED
| Course Materials Product | $459.3M | 77% |
| General Merchandise Product | $112.9M | 19% |
| Serviceand Other | $26.1M | 4% |
SOFI
暂无分部数据
