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POPULAR, INC.（BPOP）与Rivian Automotive, Inc.（RIVN）财务数据对比。点击上方公司名可切换其他公司
Rivian Automotive, Inc.的季度营收约是POPULAR, INC.的1.5倍（$1.3B vs $835.8M），POPULAR, INC.净利率更高（29.4% vs -63.1%，领先92.5%），过去两年POPULAR, INC.的营收复合增速更高（25.1% vs 3.3%）
Popular Inc.是波多黎各最大的金融服务集团，创立于1893年，总部位于首府圣胡安哈托雷伊商务区的黄金英里金融区。集团提供全方位金融服务，在波多黎各、美属及英属维尔京群岛以Banco Popular品牌运营，美国本土则使用Popular Bank品牌。
Rivian Automotive是2009年成立的美国电动汽车制造商及汽车科技企业，主打基于自研滑板平台打造的电动SUV、皮卡及EDV电动配送货车，旗下R1T皮卡于2021年末正式开启交付，还计划于2023年底前在美国和加拿大布局专属充电网络，其平台可适配新车型也可对外授权使用。
BPOP vs RIVN — 直观对比
营收规模更大
RIVN
是对方的1.5倍
$835.8M
净利率更高
BPOP
高出92.5%
-63.1%
两年增速更快
BPOP
近两年复合增速
3.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $835.8M | $1.3B |
| 净利润 | $245.7M | $-811.0M |
| 毛利率 | — | 9.3% |
| 营业利润率 | 44.1% | -64.8% |
| 净利率 | 29.4% | -63.1% |
| 营收同比 | — | -25.8% |
| 净利润同比 | 38.4% | -9.0% |
| 每股收益（稀释后） | $3.78 | $-0.66 |
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BPOPRIVN
| Q1 26 | $835.8M | — | ||
| Q4 25 | $657.6M | $1.3B | ||
| Q3 25 | $646.5M | $1.6B | ||
| Q2 25 | $631.5M | $1.3B | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | $590.8M | $1.7B | ||
| Q3 24 | $572.5M | $874.0M | ||
| Q2 24 | $568.3M | $1.2B |
净利润BPOPRIVN
| Q1 26 | $245.7M | — | ||
| Q4 25 | $233.9M | $-811.0M | ||
| Q3 25 | $211.3M | $-1.2B | ||
| Q2 25 | $210.4M | $-1.1B | ||
| Q1 25 | — | $-545.0M | ||
| Q4 24 | $177.8M | $-744.0M | ||
| Q3 24 | $155.3M | $-1.1B | ||
| Q2 24 | $177.8M | $-1.5B |
毛利率BPOPRIVN
| Q1 26 | — | — | ||
| Q4 25 | — | 9.3% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | -15.8% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 9.8% | ||
| Q3 24 | — | -44.9% | ||
| Q2 24 | — | -38.9% |
营业利润率BPOPRIVN
| Q1 26 | 44.1% | — | ||
| Q4 25 | 42.4% | -64.8% | ||
| Q3 25 | 38.2% | -63.1% | ||
| Q2 25 | 40.9% | -85.5% | ||
| Q1 25 | — | -52.8% | ||
| Q4 24 | 37.5% | -38.1% | ||
| Q3 24 | 34.5% | -133.8% | ||
| Q2 24 | 38.4% | -118.7% |
净利率BPOPRIVN
| Q1 26 | 29.4% | — | ||
| Q4 25 | 35.6% | -63.1% | ||
| Q3 25 | 32.7% | -75.3% | ||
| Q2 25 | 33.3% | -85.7% | ||
| Q1 25 | — | -44.0% | ||
| Q4 24 | 30.1% | -42.9% | ||
| Q3 24 | 27.1% | -125.9% | ||
| Q2 24 | 31.3% | -125.8% |
每股收益（稀释后）BPOPRIVN
| Q1 26 | $3.78 | — | ||
| Q4 25 | $3.51 | $-0.66 | ||
| Q3 25 | $3.14 | $-0.96 | ||
| Q2 25 | $3.09 | $-0.97 | ||
| Q1 25 | — | $-0.48 | ||
| Q4 24 | $2.51 | $-0.67 | ||
| Q3 24 | $2.16 | $-1.08 | ||
| Q2 24 | $2.46 | $-1.46 |
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 | — | $6.1B |
| 总债务越低越好 | $17.6M | — |
| 股东权益账面价值 | $6.3B | $4.6B |
| 总资产 | $76.1B | $14.9B |
| 负债/权益比越低杠杆越低 | 0.00× | — |
8季度趋势，按日历期对齐
现金及短期投资BPOPRIVN
| Q1 26 | — | — | ||
| Q4 25 | — | $6.1B | ||
| Q3 25 | — | $7.1B | ||
| Q2 25 | — | $7.5B | ||
| Q1 25 | — | $7.2B | ||
| Q4 24 | — | $7.7B | ||
| Q3 24 | — | $6.7B | ||
| Q2 24 | — | $7.9B |
总债务BPOPRIVN
| Q1 26 | $17.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $5.5B |
股东权益BPOPRIVN
| Q1 26 | $6.3B | — | ||
| Q4 25 | $6.2B | $4.6B | ||
| Q3 25 | $6.1B | $5.1B | ||
| Q2 25 | $6.0B | $6.1B | ||
| Q1 25 | — | $6.2B | ||
| Q4 24 | $5.6B | $6.6B | ||
| Q3 24 | $5.8B | $5.9B | ||
| Q2 24 | $5.4B | $6.8B |
总资产BPOPRIVN
| Q1 26 | $76.1B | — | ||
| Q4 25 | $75.3B | $14.9B | ||
| Q3 25 | $75.1B | $15.2B | ||
| Q2 25 | $76.1B | $15.6B | ||
| Q1 25 | — | $15.5B | ||
| Q4 24 | $73.0B | $15.4B | ||
| Q3 24 | $71.3B | $14.3B | ||
| Q2 24 | $72.8B | $15.4B |
负债/权益比BPOPRIVN
| Q1 26 | 0.00× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.81× |
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 | — | $-681.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.1B |
| 自由现金流率自由现金流/营收 | — | -89.0% |
| 资本支出强度资本支出/营收 | — | 36.0% |
| 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 | — | $-2.5B |
8季度趋势，按日历期对齐
经营现金流BPOPRIVN
| Q1 26 | — | — | ||
| Q4 25 | $268.5M | $-681.0M | ||
| Q3 25 | $195.0M | $26.0M | ||
| Q2 25 | $242.9M | $64.0M | ||
| Q1 25 | — | $-188.0M | ||
| Q4 24 | $199.5M | $1.2B | ||
| Q3 24 | $233.2M | $-876.0M | ||
| Q2 24 | $80.4M | $-754.0M |
自由现金流BPOPRIVN
| Q1 26 | — | — | ||
| Q4 25 | $221.1M | $-1.1B | ||
| Q3 25 | $141.1M | $-421.0M | ||
| Q2 25 | $198.3M | $-398.0M | ||
| Q1 25 | — | $-526.0M | ||
| Q4 24 | $139.2M | $856.0M | ||
| Q3 24 | $175.6M | $-1.2B | ||
| Q2 24 | $38.9M | $-1.0B |
自由现金流率BPOPRIVN
| Q1 26 | — | — | ||
| Q4 25 | 33.6% | -89.0% | ||
| Q3 25 | 21.8% | -27.0% | ||
| Q2 25 | 31.4% | -30.5% | ||
| Q1 25 | — | -42.4% | ||
| Q4 24 | 23.6% | 49.4% | ||
| Q3 24 | 30.7% | -131.9% | ||
| Q2 24 | 6.8% | -89.6% |
资本支出强度BPOPRIVN
| Q1 26 | — | — | ||
| Q4 25 | 7.2% | 36.0% | ||
| Q3 25 | 8.3% | 28.7% | ||
| Q2 25 | 7.1% | 35.5% | ||
| Q1 25 | — | 27.3% | ||
| Q4 24 | 10.2% | 18.9% | ||
| Q3 24 | 10.1% | 31.7% | ||
| Q2 24 | 7.3% | 24.4% |
现金转化率BPOPRIVN
| Q1 26 | — | — | ||
| Q4 25 | 1.15× | — | ||
| Q3 25 | 0.92× | — | ||
| Q2 25 | 1.15× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.12× | — | ||
| Q3 24 | 1.50× | — | ||
| Q2 24 | 0.45× | — |
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
BPOP
| Net Interest Income | $670.2M | 80% |
| Noninterest Income | $165.6M | 20% |
RIVN
| Automotive Segment | $839.0M | 65% |
| Software And Services Segment | $447.0M | 35% |
| Regulatory Credits | $30.0M | 2% |
