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CareDx, Inc.（CDNA）与合众银行（OSBC）财务数据对比。点击上方公司名可切换其他公司
CareDx, Inc.的季度营收约是合众银行的1.3倍（$117.7M vs $93.8M），合众银行净利率更高（27.3% vs 2.4%，领先24.9%），过去两年合众银行的营收复合增速更高（15.1% vs 12.9%）
CareDx是一家专注于器官移植领域的精准医疗企业，核心产品包括移植排斥反应监测诊断试剂、数字健康管理工具及配套临床服务，面向北美和欧洲市场的医疗机构及移植患者，助力提升术后患者生存质量。
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，主营银行、投资、抵押等金融服务。
CDNA vs OSBC — 直观对比
营收规模更大
CDNA
是对方的1.3倍
$93.8M
净利率更高
OSBC
高出24.9%
2.4%
两年增速更快
OSBC
近两年复合增速
12.9%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $117.7M | $93.8M |
| 净利润 | $2.8M | $25.6M |
| 毛利率 | — | — |
| 营业利润率 | 1.0% | — |
| 净利率 | 2.4% | 27.3% |
| 营收同比 | 39.0% | — |
| 净利润同比 | — | 159.2% |
| 每股收益（稀释后） | $0.05 | $0.48 |
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CDNAOSBC
| Q1 26 | $117.7M | $93.8M | ||
| Q4 25 | $108.4M | $95.2M | ||
| Q3 25 | $100.1M | $95.9M | ||
| Q2 25 | $86.7M | $75.1M | ||
| Q1 25 | $84.7M | $73.1M | ||
| Q4 24 | $86.6M | $73.2M | ||
| Q3 24 | $82.9M | $71.2M | ||
| Q2 24 | $92.3M | $70.8M |
净利润CDNAOSBC
| Q1 26 | $2.8M | $25.6M | ||
| Q4 25 | $-4.1M | — | ||
| Q3 25 | $1.7M | $9.9M | ||
| Q2 25 | $-8.6M | $21.8M | ||
| Q1 25 | $-10.4M | $19.8M | ||
| Q4 24 | $87.7M | — | ||
| Q3 24 | $-10.6M | $23.0M | ||
| Q2 24 | $-4.6M | $21.9M |
营业利润率CDNAOSBC
| Q1 26 | 1.0% | — | ||
| Q4 25 | -5.6% | 41.2% | ||
| Q3 25 | -0.2% | 13.6% | ||
| Q2 25 | -12.8% | 38.9% | ||
| Q1 25 | -15.8% | 35.8% | ||
| Q4 24 | 97.5% | 34.7% | ||
| Q3 24 | -16.6% | 41.9% | ||
| Q2 24 | -7.9% | 41.2% |
净利率CDNAOSBC
| Q1 26 | 2.4% | 27.3% | ||
| Q4 25 | -3.8% | — | ||
| Q3 25 | 1.7% | 10.3% | ||
| Q2 25 | -9.9% | 29.0% | ||
| Q1 25 | -12.2% | 27.1% | ||
| Q4 24 | 101.3% | — | ||
| Q3 24 | -12.8% | 32.3% | ||
| Q2 24 | -5.0% | 30.9% |
每股收益（稀释后）CDNAOSBC
| Q1 26 | $0.05 | $0.48 | ||
| Q4 25 | $-0.08 | $0.53 | ||
| Q3 25 | $0.03 | $0.18 | ||
| Q2 25 | $-0.16 | $0.48 | ||
| Q1 25 | $-0.19 | $0.43 | ||
| Q4 24 | $1.60 | $0.42 | ||
| Q3 24 | $-0.20 | $0.50 | ||
| Q2 24 | $-0.09 | $0.48 |
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 | $77.9M | $115.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | — | $893.3M |
| 总资产 | $411.1M | $6.8B |
| 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CDNAOSBC
| Q1 26 | $77.9M | $115.7M | ||
| Q4 25 | $177.2M | $124.0M | ||
| Q3 25 | $194.2M | $116.5M | ||
| Q2 25 | $186.3M | $141.8M | ||
| Q1 25 | $230.9M | $256.1M | ||
| Q4 24 | $260.7M | $99.3M | ||
| Q3 24 | $240.9M | $115.8M | ||
| Q2 24 | $228.9M | $120.9M |
总债务CDNAOSBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $0 | — | ||
| Q2 24 | $0 | — |
股东权益CDNAOSBC
| Q1 26 | — | $893.3M | ||
| Q4 25 | $303.1M | $896.8M | ||
| Q3 25 | $311.1M | $866.7M | ||
| Q2 25 | $327.4M | $718.6M | ||
| Q1 25 | $379.3M | $694.5M | ||
| Q4 24 | $378.4M | $671.0M | ||
| Q3 24 | $273.2M | $661.4M | ||
| Q2 24 | $264.7M | $619.3M |
总资产CDNAOSBC
| Q1 26 | $411.1M | $6.8B | ||
| Q4 25 | $413.2M | $6.9B | ||
| Q3 25 | $432.3M | $7.0B | ||
| Q2 25 | $444.3M | $5.7B | ||
| Q1 25 | $489.6M | $5.7B | ||
| Q4 24 | $491.1M | $5.6B | ||
| Q3 24 | $477.0M | $5.7B | ||
| Q2 24 | $466.8M | $5.7B |
负债/权益比CDNAOSBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.00× | — | ||
| Q2 24 | 0.00× | — |
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 | $4.3M | — |
| 自由现金流经营现金流 - 资本支出 | $514.0K | — |
| 自由现金流率自由现金流/营收 | 0.4% | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 1.54× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CDNAOSBC
| Q1 26 | $4.3M | — | ||
| Q4 25 | $21.4M | $122.3M | ||
| Q3 25 | $37.4M | $35.9M | ||
| Q2 25 | $9.9M | $24.2M | ||
| Q1 25 | $-26.6M | $17.8M | ||
| Q4 24 | $21.9M | $131.5M | ||
| Q3 24 | $12.5M | $48.5M | ||
| Q2 24 | $18.9M | $11.6M |
自由现金流CDNAOSBC
| Q1 26 | $514.0K | — | ||
| Q4 25 | — | $117.8M | ||
| Q3 25 | — | $34.7M | ||
| Q2 25 | — | $23.5M | ||
| Q1 25 | — | $16.2M | ||
| Q4 24 | — | $120.7M | ||
| Q3 24 | — | $46.2M | ||
| Q2 24 | — | $8.7M |
自由现金流率CDNAOSBC
| Q1 26 | 0.4% | — | ||
| Q4 25 | — | 123.7% | ||
| Q3 25 | — | 36.2% | ||
| Q2 25 | — | 31.2% | ||
| Q1 25 | — | 22.2% | ||
| Q4 24 | — | 165.0% | ||
| Q3 24 | — | 64.9% | ||
| Q2 24 | — | 12.3% |
资本支出强度CDNAOSBC
| Q1 26 | — | — | ||
| Q4 25 | — | 4.7% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 3.3% | ||
| Q2 24 | — | 4.2% |
现金转化率CDNAOSBC
| Q1 26 | 1.54× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 22.30× | 3.64× | ||
| Q2 25 | — | 1.11× | ||
| Q1 25 | — | 0.90× | ||
| Q4 24 | 0.25× | — | ||
| Q3 24 | — | 2.11× | ||
| Q2 24 | — | 0.53× |
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
CDNA
| Financial Results Total | $85.0M | 72% |
| Patient and digital solutions revenue | $16.0M | 14% |
| Product revenue | $10.3M | 9% |
| Other | $6.4M | 5% |
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
