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COASTAL FINANCIAL CORP（CCB）与ONESPAWORLD HOLDINGS Ltd（OSW）财务数据对比。点击上方公司名可切换其他公司
ONESPAWORLD HOLDINGS Ltd的季度营收约是COASTAL FINANCIAL CORP的1.8倍（$242.1M vs $138.0M），ONESPAWORLD HOLDINGS Ltd同比增速更快（11.5% vs -5.8%），COASTAL FINANCIAL CORP自由现金流更多（$246.1M vs $14.9M），过去两年ONESPAWORLD HOLDINGS Ltd的营收复合增速更高（7.1% vs -3.6%）
富达国民金融是美国财富500强企业，面向房地产与按揭行业提供产权保险及交割服务。2019年，其产权及房地产业务相关年营收约为84.69亿美元，是行业内具有领先地位的金融服务提供商。
CCB vs OSW — 直观对比
营收规模更大
OSW
是对方的1.8倍
$138.0M
营收增速更快
OSW
高出17.2%
-5.8%
自由现金流更多
CCB
多$231.2M
$14.9M
两年增速更快
OSW
近两年复合增速
-3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $138.0M | $242.1M |
| 净利润 | — | $12.1M |
| 毛利率 | — | — |
| 营业利润率 | 12.4% | 6.8% |
| 净利率 | — | 5.0% |
| 营收同比 | -5.8% | 11.5% |
| 净利润同比 | — | -16.2% |
| 每股收益（稀释后） | $0.84 | $0.12 |
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CCBOSW
| Q4 25 | $138.0M | $242.1M | ||
| Q3 25 | $144.7M | $258.5M | ||
| Q2 25 | $119.4M | $240.7M | ||
| Q1 25 | $139.5M | $219.6M | ||
| Q4 24 | $146.5M | $217.2M | ||
| Q3 24 | $151.1M | $241.7M | ||
| Q2 24 | $135.3M | $224.9M | ||
| Q1 24 | $148.4M | $211.2M |
净利润CCBOSW
| Q4 25 | — | $12.1M | ||
| Q3 25 | $13.6M | $24.3M | ||
| Q2 25 | $11.0M | $19.9M | ||
| Q1 25 | $9.7M | $15.3M | ||
| Q4 24 | — | $14.4M | ||
| Q3 24 | $13.5M | $21.6M | ||
| Q2 24 | $11.6M | $15.8M | ||
| Q1 24 | $6.8M | $21.2M |
营业利润率CCBOSW
| Q4 25 | 12.4% | 6.8% | ||
| Q3 25 | 12.4% | 10.2% | ||
| Q2 25 | 12.0% | 9.2% | ||
| Q1 25 | 8.4% | 7.7% | ||
| Q4 24 | 11.7% | 7.9% | ||
| Q3 24 | 10.8% | 10.3% | ||
| Q2 24 | 11.1% | 8.4% | ||
| Q1 24 | 5.9% | 8.0% |
净利率CCBOSW
| Q4 25 | — | 5.0% | ||
| Q3 25 | 9.4% | 9.4% | ||
| Q2 25 | 9.2% | 8.3% | ||
| Q1 25 | 7.0% | 7.0% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 8.9% | 8.9% | ||
| Q2 24 | 8.6% | 7.0% | ||
| Q1 24 | 4.6% | 10.0% |
每股收益（稀释后）CCBOSW
| Q4 25 | $0.84 | $0.12 | ||
| Q3 25 | $0.88 | $0.23 | ||
| Q2 25 | $0.71 | $0.19 | ||
| Q1 25 | $0.63 | $0.15 | ||
| Q4 24 | $0.95 | $0.13 | ||
| Q3 24 | $0.97 | $0.20 | ||
| Q2 24 | $0.84 | $0.15 | ||
| Q1 24 | $0.50 | $0.21 |
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 | — | $16.3M |
| 总债务越低越好 | — | $84.0M |
| 股东权益账面价值 | $491.0M | $542.6M |
| 总资产 | $4.7B | $707.1M |
| 负债/权益比越低杠杆越低 | — | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资CCBOSW
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M | ||
| Q1 24 | — | $65.4M |
总债务CCBOSW
| Q4 25 | — | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | — | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M | ||
| Q1 24 | — | $138.6M |
股东权益CCBOSW
| Q4 25 | $491.0M | $542.6M | ||
| Q3 25 | $475.3M | $552.8M | ||
| Q2 25 | $461.7M | $548.3M | ||
| Q1 25 | $449.9M | $530.6M | ||
| Q4 24 | $438.7M | $554.5M | ||
| Q3 24 | $331.9M | $540.1M | ||
| Q2 24 | $316.7M | $532.7M | ||
| Q1 24 | $303.7M | $515.5M |
总资产CCBOSW
| Q4 25 | $4.7B | $707.1M | ||
| Q3 25 | $4.6B | $732.6M | ||
| Q2 25 | $4.5B | $731.8M | ||
| Q1 25 | $4.3B | $708.7M | ||
| Q4 24 | $4.1B | $746.4M | ||
| Q3 24 | $4.1B | $734.0M | ||
| Q2 24 | $4.0B | $756.8M | ||
| Q1 24 | $3.9B | $763.6M |
负债/权益比CCBOSW
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.27× |
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 | $254.6M | $20.0M |
| 自由现金流经营现金流 - 资本支出 | $246.1M | $14.9M |
| 自由现金流率自由现金流/营收 | 178.3% | 6.2% |
| 资本支出强度资本支出/营收 | 6.1% | 2.1% |
| 现金转化率经营现金流/净利润 | — | 1.65× |
| 过去12个月自由现金流最近4个季度 | $436.4M | $68.4M |
8季度趋势，按日历期对齐
经营现金流CCBOSW
| Q4 25 | $254.6M | $20.0M | ||
| Q3 25 | $59.0M | $33.2M | ||
| Q2 25 | $66.0M | $20.3M | ||
| Q1 25 | $71.7M | $10.1M | ||
| Q4 24 | $259.8M | $16.6M | ||
| Q3 24 | $62.6M | $28.6M | ||
| Q2 24 | $72.1M | $18.7M | ||
| Q1 24 | $56.8M | $15.0M |
自由现金流CCBOSW
| Q4 25 | $246.1M | $14.9M | ||
| Q3 25 | $57.4M | $27.6M | ||
| Q2 25 | $64.0M | $17.6M | ||
| Q1 25 | $68.9M | $8.4M | ||
| Q4 24 | $249.9M | $13.2M | ||
| Q3 24 | $60.2M | $27.5M | ||
| Q2 24 | $69.5M | $17.6M | ||
| Q1 24 | $55.0M | $13.7M |
自由现金流率CCBOSW
| Q4 25 | 178.3% | 6.2% | ||
| Q3 25 | 39.7% | 10.7% | ||
| Q2 25 | 53.6% | 7.3% | ||
| Q1 25 | 49.4% | 3.8% | ||
| Q4 24 | 170.6% | 6.1% | ||
| Q3 24 | 39.8% | 11.4% | ||
| Q2 24 | 51.3% | 7.8% | ||
| Q1 24 | 37.1% | 6.5% |
资本支出强度CCBOSW
| Q4 25 | 6.1% | 2.1% | ||
| Q3 25 | 1.2% | 2.2% | ||
| Q2 25 | 1.7% | 1.1% | ||
| Q1 25 | 2.0% | 0.8% | ||
| Q4 24 | 6.8% | 1.5% | ||
| Q3 24 | 1.6% | 0.5% | ||
| Q2 24 | 1.9% | 0.5% | ||
| Q1 24 | 1.2% | 0.6% |
现金转化率CCBOSW
| Q4 25 | — | 1.65× | ||
| Q3 25 | 4.34× | 1.36× | ||
| Q2 25 | 5.99× | 1.02× | ||
| Q1 25 | 7.37× | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | 4.65× | 1.33× | ||
| Q2 24 | 6.22× | 1.19× | ||
| Q1 24 | 8.35× | 0.71× |
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
CCB
| Other | $74.7M | 54% |
| Baa S Credit Enhancements | $47.3M | 34% |
| Baa S Program Income | $8.4M | 6% |
| Transaction Fees | $4.9M | 4% |
| Servicing And Other Baa S Fees | $1.6M | 1% |
| Baa S Fraud Enhancements | $1.1M | 1% |
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
