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Burford Capital Ltd（BUR）与Chime Financial, Inc.（CHYM）财务数据对比。点击上方公司名可切换其他公司
Chime Financial, Inc.的季度营收约是Burford Capital Ltd的16.3倍（$543.5M vs $33.4M），Chime Financial, Inc.净利率更高（-10.1% vs -112.2%，领先102.2%），Chime Financial, Inc.自由现金流更多（$15.4M vs $-29.3M）
伯福德资本成立于2009年，是一家面向法律市场的专业金融服务提供商，总部位于根西岛，业务覆盖全球。该公司为企业法务部门、律师事务所的诉讼、仲裁、资产追回等相关法律活动提供资金支持，同时也提供配套的法律金融咨询服务。
Chime Financial, Inc.是总部位于美国加利福尼亚州旧金山的金融科技企业，通过与Stride Bank、The Bancorp Bank两家全国性银行合作，为用户提供免服务费的移动银行服务，是美国消费金融科技领域的代表性企业之一。
BUR vs CHYM — 直观对比
营收规模更大
CHYM
是对方的16.3倍
$33.4M
净利率更高
CHYM
高出102.2%
-112.2%
自由现金流更多
CHYM
多$44.7M
$-29.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $33.4M | $543.5M |
| 净利润 | $-37.5M | $-54.7M |
| 毛利率 | — | 87.2% |
| 营业利润率 | -37.9% | -11.9% |
| 净利率 | -112.2% | -10.1% |
| 营收同比 | — | 28.8% |
| 净利润同比 | — | -148.4% |
| 每股收益（稀释后） | $-0.16 | $-0.15 |
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BURCHYM
| Q4 25 | $33.4M | — | ||
| Q3 25 | $69.8M | $543.5M | ||
| Q2 25 | $191.3M | $528.1M | ||
| Q1 25 | $118.9M | — | ||
| Q3 24 | $159.7M | $421.9M | ||
| Q2 24 | $44.3M | $384.2M |
净利润BURCHYM
| Q4 25 | $-37.5M | — | ||
| Q3 25 | $-19.2M | $-54.7M | ||
| Q2 25 | $88.3M | $-923.4M | ||
| Q1 25 | $30.9M | — | ||
| Q3 24 | $53.7M | $-22.0M | ||
| Q2 24 | $-29.9M | $385.0K |
毛利率BURCHYM
| Q4 25 | — | — | ||
| Q3 25 | — | 87.2% | ||
| Q2 25 | — | 87.3% | ||
| Q1 25 | — | — | ||
| Q3 24 | — | 87.3% | ||
| Q2 24 | — | 86.9% |
营业利润率BURCHYM
| Q4 25 | -37.9% | — | ||
| Q3 25 | 35.5% | -11.9% | ||
| Q2 25 | 74.3% | -176.2% | ||
| Q1 25 | 65.4% | — | ||
| Q3 24 | 76.1% | -7.3% | ||
| Q2 24 | 32.0% | -2.5% |
净利率BURCHYM
| Q4 25 | -112.2% | — | ||
| Q3 25 | -27.4% | -10.1% | ||
| Q2 25 | 46.2% | -174.8% | ||
| Q1 25 | 26.0% | — | ||
| Q3 24 | 33.7% | -5.2% | ||
| Q2 24 | -67.6% | 0.1% |
每股收益（稀释后）BURCHYM
| Q4 25 | $-0.16 | — | ||
| Q3 25 | $-0.09 | $-0.15 | ||
| Q2 25 | $0.39 | $-7.29 | ||
| Q1 25 | $0.14 | — | ||
| Q3 24 | $0.24 | $-0.34 | ||
| Q2 24 | $-0.14 | $0.00 |
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 | $943.5M | $445.0M |
| 总债务越低越好 | $2.1B | — |
| 股东权益账面价值 | $2.4B | $1.4B |
| 总资产 | $6.6B | $2.0B |
| 负债/权益比越低杠杆越低 | 0.87× | — |
8季度趋势，按日历期对齐
现金及短期投资BURCHYM
| Q4 25 | $943.5M | — | ||
| Q3 25 | $677.7M | $445.0M | ||
| Q2 25 | $372.2M | $868.3M | ||
| Q1 25 | $486.6M | — | ||
| Q3 24 | — | $270.8M | ||
| Q2 24 | — | $295.4M |
总债务BURCHYM
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.1B | — | ||
| Q2 25 | $1.8B | — | ||
| Q1 25 | $1.8B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益BURCHYM
| Q4 25 | $2.4B | — | ||
| Q3 25 | $2.5B | $1.4B | ||
| Q2 25 | $2.5B | $1.4B | ||
| Q1 25 | $2.4B | — | ||
| Q3 24 | $3.2B | $-1.9B | ||
| Q2 24 | $3.1B | $-1.9B |
总资产BURCHYM
| Q4 25 | $6.6B | — | ||
| Q3 25 | $6.7B | $2.0B | ||
| Q2 25 | $6.3B | $1.9B | ||
| Q1 25 | $6.2B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
负债/权益比BURCHYM
| Q4 25 | 0.87× | — | ||
| Q3 25 | 0.86× | — | ||
| Q2 25 | 0.71× | — | ||
| Q1 25 | 0.72× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $-29.0M | $17.5M |
| 自由现金流经营现金流 - 资本支出 | $-29.3M | $15.4M |
| 自由现金流率自由现金流/营收 | -87.7% | 2.8% |
| 资本支出强度资本支出/营收 | 0.8% | 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 | $21.4M | — |
8季度趋势，按日历期对齐
经营现金流BURCHYM
| Q4 25 | $-29.0M | — | ||
| Q3 25 | $-20.1M | $17.5M | ||
| Q2 25 | $-84.2M | $2.7M | ||
| Q1 25 | $155.2M | — | ||
| Q3 24 | $-97.4M | — | ||
| Q2 24 | $53.0M | — |
自由现金流BURCHYM
| Q4 25 | $-29.3M | — | ||
| Q3 25 | $-20.1M | $15.4M | ||
| Q2 25 | $-84.3M | $-888.0K | ||
| Q1 25 | $155.1M | — | ||
| Q3 24 | $-97.4M | — | ||
| Q2 24 | $52.9M | — |
自由现金流率BURCHYM
| Q4 25 | -87.7% | — | ||
| Q3 25 | -28.8% | 2.8% | ||
| Q2 25 | -44.1% | -0.2% | ||
| Q1 25 | 130.5% | — | ||
| Q3 24 | -61.0% | — | ||
| Q2 24 | 119.5% | — |
资本支出强度BURCHYM
| Q4 25 | 0.8% | — | ||
| Q3 25 | 0.1% | 0.4% | ||
| Q2 25 | 0.1% | 0.7% | ||
| Q1 25 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.1% | — |
现金转化率BURCHYM
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.95× | — | ||
| Q1 25 | 5.02× | — | ||
| Q3 24 | -1.81× | — | ||
| Q2 24 | — | — |
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
BUR
| Principal Finance Segment | $29.1M | 87% |
| Other | $3.5M | 10% |
| Management Fee Income | $878.0K | 3% |
CHYM
| Payments Revenue | $363.2M | 67% |
| Platform Related Revenue | $180.4M | 33% |
