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COASTAL FINANCIAL CORP（CCB）与Planet Labs PBC（PL）财务数据对比。点击上方公司名可切换其他公司
COASTAL FINANCIAL CORP的季度营收约是Planet Labs PBC的1.7倍（$138.0M vs $81.3M），Planet Labs PBC同比增速更快（32.6% vs -5.8%），COASTAL FINANCIAL CORP自由现金流更多（$246.1M vs $1.9M），过去两年Planet Labs PBC的营收复合增速更高（17.5% 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。
Planet Labs PBC（常简称为Planet）是总部位于美国加利福尼亚州旧金山的上市地球影像企业，核心目标是实现全球范围的每日成像，以此监测地表变化、精准识别相关趋势，为多行业的地理数据分析需求提供可靠的数据支持。
CCB vs PL — 直观对比
营收规模更大
CCB
是对方的1.7倍
$81.3M
营收增速更快
PL
高出38.4%
-5.8%
自由现金流更多
CCB
多$244.3M
$1.9M
两年增速更快
PL
近两年复合增速
-3.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $138.0M | $81.3M |
| 净利润 | — | $-59.2M |
| 毛利率 | — | 57.3% |
| 营业利润率 | 12.4% | -22.6% |
| 净利率 | — | -72.8% |
| 营收同比 | -5.8% | 32.6% |
| 净利润同比 | — | -194.7% |
| 每股收益（稀释后） | $0.84 | $-0.19 |
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CCBPL
| Q4 25 | $138.0M | $81.3M | ||
| Q3 25 | $144.7M | $73.4M | ||
| Q2 25 | $119.4M | $66.3M | ||
| Q1 25 | $139.5M | $61.6M | ||
| Q4 24 | $146.5M | $61.3M | ||
| Q3 24 | $151.1M | $61.1M | ||
| Q2 24 | $135.3M | $60.4M | ||
| Q1 24 | $148.4M | $58.9M |
净利润CCBPL
| Q4 25 | — | $-59.2M | ||
| Q3 25 | $13.6M | $-22.6M | ||
| Q2 25 | $11.0M | $-12.6M | ||
| Q1 25 | $9.7M | $-35.2M | ||
| Q4 24 | — | $-20.1M | ||
| Q3 24 | $13.5M | $-38.7M | ||
| Q2 24 | $11.6M | $-29.3M | ||
| Q1 24 | $6.8M | $-30.1M |
毛利率CCBPL
| Q4 25 | — | 57.3% | ||
| Q3 25 | — | 57.6% | ||
| Q2 25 | — | 55.2% | ||
| Q1 25 | — | 62.1% | ||
| Q4 24 | — | 61.2% | ||
| Q3 24 | — | 52.9% | ||
| Q2 24 | — | 52.4% | ||
| Q1 24 | — | 55.2% |
营业利润率CCBPL
| Q4 25 | 12.4% | -22.6% | ||
| Q3 25 | 12.4% | -24.5% | ||
| Q2 25 | 12.0% | -34.4% | ||
| Q1 25 | 8.4% | -31.5% | ||
| Q4 24 | 11.7% | -36.9% | ||
| Q3 24 | 10.8% | -64.8% | ||
| Q2 24 | 11.1% | -57.2% | ||
| Q1 24 | 5.9% | -57.6% |
净利率CCBPL
| Q4 25 | — | -72.8% | ||
| Q3 25 | 9.4% | -30.8% | ||
| Q2 25 | 9.2% | -19.1% | ||
| Q1 25 | 7.0% | -57.1% | ||
| Q4 24 | — | -32.8% | ||
| Q3 24 | 8.9% | -63.3% | ||
| Q2 24 | 8.6% | -48.5% | ||
| Q1 24 | 4.6% | -51.1% |
每股收益（稀释后）CCBPL
| Q4 25 | $0.84 | $-0.19 | ||
| Q3 25 | $0.88 | $-0.07 | ||
| Q2 25 | $0.71 | $-0.04 | ||
| Q1 25 | $0.63 | $-0.12 | ||
| Q4 24 | $0.95 | $-0.07 | ||
| Q3 24 | $0.97 | $-0.13 | ||
| Q2 24 | $0.84 | $-0.10 | ||
| Q1 24 | $0.50 | $-0.10 |
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 | — | $443.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $491.0M | $349.6M |
| 总资产 | $4.7B | $1.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CCBPL
| Q4 25 | — | $443.3M | ||
| Q3 25 | — | $181.1M | ||
| Q2 25 | — | $133.5M | ||
| Q1 25 | — | $118.0M | ||
| Q4 24 | — | $139.0M | ||
| Q3 24 | — | $148.3M | ||
| Q2 24 | — | $107.4M | ||
| Q1 24 | — | $83.9M |
股东权益CCBPL
| Q4 25 | $491.0M | $349.6M | ||
| Q3 25 | $475.3M | $435.7M | ||
| Q2 25 | $461.7M | $444.8M | ||
| Q1 25 | $449.9M | $441.3M | ||
| Q4 24 | $438.7M | $464.6M | ||
| Q3 24 | $331.9M | $473.2M | ||
| Q2 24 | $316.7M | $500.3M | ||
| Q1 24 | $303.7M | $518.0M |
总资产CCBPL
| Q4 25 | $4.7B | $1.1B | ||
| Q3 25 | $4.6B | $696.4M | ||
| Q2 25 | $4.5B | $658.4M | ||
| Q1 25 | $4.3B | $633.8M | ||
| Q4 24 | $4.1B | $630.8M | ||
| Q3 24 | $4.1B | $658.4M | ||
| Q2 24 | $4.0B | $674.6M | ||
| Q1 24 | $3.9B | $702.0M |
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 | $28.6M |
| 自由现金流经营现金流 - 资本支出 | $246.1M | $1.9M |
| 自由现金流率自由现金流/营收 | 178.3% | 2.3% |
| 资本支出强度资本支出/营收 | 6.1% | 32.9% |
| 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 | $436.4M | $40.7M |
8季度趋势，按日历期对齐
经营现金流CCBPL
| Q4 25 | $254.6M | $28.6M | ||
| Q3 25 | $59.0M | $67.8M | ||
| Q2 25 | $66.0M | $17.3M | ||
| Q1 25 | $71.7M | $-6.3M | ||
| Q4 24 | $259.8M | $4.1M | ||
| Q3 24 | $62.6M | $-7.9M | ||
| Q2 24 | $72.1M | $-4.3M | ||
| Q1 24 | $56.8M | $-6.8M |
自由现金流CCBPL
| Q4 25 | $246.1M | $1.9M | ||
| Q3 25 | $57.4M | $47.5M | ||
| Q2 25 | $64.0M | $9.2M | ||
| Q1 25 | $68.9M | $-17.9M | ||
| Q4 24 | $249.9M | $-3.6M | ||
| Q3 24 | $60.2M | $-23.0M | ||
| Q2 24 | $69.5M | $-14.2M | ||
| Q1 24 | $55.0M | $-15.7M |
自由现金流率CCBPL
| Q4 25 | 178.3% | 2.3% | ||
| Q3 25 | 39.7% | 64.7% | ||
| Q2 25 | 53.6% | 13.9% | ||
| Q1 25 | 49.4% | -29.1% | ||
| Q4 24 | 170.6% | -5.8% | ||
| Q3 24 | 39.8% | -37.6% | ||
| Q2 24 | 51.3% | -23.6% | ||
| Q1 24 | 37.1% | -26.7% |
资本支出强度CCBPL
| Q4 25 | 6.1% | 32.9% | ||
| Q3 25 | 1.2% | 27.6% | ||
| Q2 25 | 1.7% | 12.3% | ||
| Q1 25 | 2.0% | 18.9% | ||
| Q4 24 | 6.8% | 12.5% | ||
| Q3 24 | 1.6% | 24.8% | ||
| Q2 24 | 1.9% | 16.4% | ||
| Q1 24 | 1.2% | 15.1% |
现金转化率CCBPL
| Q4 25 | — | — | ||
| Q3 25 | 4.34× | — | ||
| Q2 25 | 5.99× | — | ||
| Q1 25 | 7.37× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 4.65× | — | ||
| Q2 24 | 6.22× | — | ||
| Q1 24 | 8.35× | — |
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% |
PL
| Defense And Intelligence | $49.4M | 61% |
| Civil Government | $18.8M | 23% |
| Commercial | $13.1M | 16% |
