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永明金融（CFFI）与STANDARD BIOTOOLS INC.（LAB）财务数据对比。点击上方公司名可切换其他公司
永明金融的季度营收约是STANDARD BIOTOOLS INC.的1.8倍（$35.9M vs $19.6M），永明金融净利率更高（18.7% vs -177.4%，领先196.1%），永明金融同比增速更快（12.0% vs -11.5%），永明金融自由现金流更多（$22.2M vs $-23.1M），过去两年永明金融的营收复合增速更高（8.2% vs -12.2%）
永明金融是一家总部位于加拿大安大略省多伦多市的金融服务公司，创立于1865年，业务遍及全球，主要提供人寿保险、财富管理以及资产管理服务。截至2024年，公司管理资产规模超过1.3万亿加元，服务网络覆盖加拿大、美国、亚洲及多个其他市场。
Standard BioTools（原Fluidigm公司）是一家美国生命科学工具企业，主营流式细胞术与组织成像分析用质谱流式系统，以及配套的检测试剂盒与试剂，同时供应自动化基因组分析仪器、各类微流控芯片（又称集成流体电路）及配套试剂耗材，全系列产品及应用场景均可提供定制检测方案与相关服务。
CFFI vs LAB — 直观对比
营收规模更大
CFFI
是对方的1.8倍
$19.6M
营收增速更快
CFFI
高出23.4%
-11.5%
净利率更高
CFFI
高出196.1%
-177.4%
自由现金流更多
CFFI
多$45.2M
$-23.1M
两年增速更快
CFFI
近两年复合增速
-12.2%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $35.9M | $19.6M |
| 净利润 | $6.7M | $-34.7M |
| 毛利率 | — | 48.5% |
| 营业利润率 | 22.6% | -168.5% |
| 净利率 | 18.7% | -177.4% |
| 营收同比 | 12.0% | -11.5% |
| 净利润同比 | 11.0% | -28.8% |
| 每股收益（稀释后） | $2.08 | $-0.09 |
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CFFILAB
| Q4 25 | $35.9M | — | ||
| Q3 25 | $36.0M | $19.6M | ||
| Q2 25 | $36.4M | $21.8M | ||
| Q1 25 | $32.6M | $40.8M | ||
| Q4 24 | $32.0M | — | ||
| Q3 24 | $33.5M | $22.1M | ||
| Q2 24 | $31.2M | $22.5M | ||
| Q1 24 | $30.6M | $45.5M |
净利润CFFILAB
| Q4 25 | $6.7M | — | ||
| Q3 25 | $7.1M | $-34.7M | ||
| Q2 25 | $7.7M | $-33.5M | ||
| Q1 25 | $5.4M | $-26.0M | ||
| Q4 24 | $6.0M | — | ||
| Q3 24 | $5.4M | $-26.9M | ||
| Q2 24 | $5.0M | $-45.7M | ||
| Q1 24 | $3.4M | $-32.2M |
毛利率CFFILAB
| Q4 25 | — | — | ||
| Q3 25 | — | 48.5% | ||
| Q2 25 | — | 48.8% | ||
| Q1 25 | — | 48.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 54.9% | ||
| Q2 24 | — | 46.1% | ||
| Q1 24 | — | 53.1% |
营业利润率CFFILAB
| Q4 25 | 22.6% | — | ||
| Q3 25 | 24.5% | -168.5% | ||
| Q2 25 | 26.5% | -118.1% | ||
| Q1 25 | 20.0% | -80.8% | ||
| Q4 24 | 22.6% | — | ||
| Q3 24 | 19.9% | -120.9% | ||
| Q2 24 | 20.0% | -134.5% | ||
| Q1 24 | 13.1% | -132.2% |
净利率CFFILAB
| Q4 25 | 18.7% | — | ||
| Q3 25 | 19.6% | -177.4% | ||
| Q2 25 | 21.2% | -153.7% | ||
| Q1 25 | 16.5% | -63.8% | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 16.1% | -122.0% | ||
| Q2 24 | 16.1% | -203.3% | ||
| Q1 24 | 11.1% | -70.6% |
每股收益（稀释后）CFFILAB
| Q4 25 | $2.08 | — | ||
| Q3 25 | $2.18 | $-0.09 | ||
| Q2 25 | $2.37 | $-0.09 | ||
| Q1 25 | $1.66 | $-0.07 | ||
| Q4 24 | $1.85 | — | ||
| Q3 24 | $1.65 | $-0.07 | ||
| Q2 24 | $1.50 | $-0.12 | ||
| Q1 24 | $1.01 | $-0.27 |
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 | — | $129.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $261.8M | $399.7M |
| 总资产 | $2.8B | $539.6M |
| 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CFFILAB
| Q4 25 | — | — | ||
| Q3 25 | — | $129.4M | ||
| Q2 25 | — | $158.6M | ||
| Q1 25 | — | $150.9M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $210.6M | ||
| Q2 24 | — | $269.8M | ||
| Q1 24 | — | $287.1M |
总债务CFFILAB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $55.2M | ||
| Q2 24 | — | $55.1M | ||
| Q1 24 | — | $55.0M |
股东权益CFFILAB
| Q4 25 | $261.8M | — | ||
| Q3 25 | $253.3M | $399.7M | ||
| Q2 25 | $240.3M | $424.5M | ||
| Q1 25 | $234.6M | $454.6M | ||
| Q4 24 | $226.4M | — | ||
| Q3 24 | $227.3M | $489.3M | ||
| Q2 24 | $218.5M | $510.3M | ||
| Q1 24 | $216.3M | $577.3M |
总资产CFFILAB
| Q4 25 | $2.8B | — | ||
| Q3 25 | $2.7B | $539.6M | ||
| Q2 25 | $2.7B | $557.0M | ||
| Q1 25 | $2.6B | $579.6M | ||
| Q4 24 | $2.6B | — | ||
| Q3 24 | $2.6B | $681.5M | ||
| Q2 24 | $2.5B | $708.7M | ||
| Q1 24 | $2.5B | $777.7M |
负债/权益比CFFILAB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.11× | ||
| Q2 24 | — | 0.11× | ||
| Q1 24 | — | 0.10× |
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 | $24.5M | $-22.2M |
| 自由现金流经营现金流 - 资本支出 | $22.2M | $-23.1M |
| 自由现金流率自由现金流/营收 | 61.8% | -118.1% |
| 资本支出强度资本支出/营收 | 6.5% | 4.5% |
| 现金转化率经营现金流/净利润 | 3.65× | — |
| 过去12个月自由现金流最近4个季度 | $42.8M | $-111.1M |
8季度趋势，按日历期对齐
经营现金流CFFILAB
| Q4 25 | $24.5M | — | ||
| Q3 25 | $23.4M | $-22.2M | ||
| Q2 25 | $-4.4M | $-20.7M | ||
| Q1 25 | $3.2M | $-30.3M | ||
| Q4 24 | $36.8M | — | ||
| Q3 24 | $404.0K | $-27.9M | ||
| Q2 24 | $1.7M | $-39.0M | ||
| Q1 24 | $895.0K | $-62.5M |
自由现金流CFFILAB
| Q4 25 | $22.2M | — | ||
| Q3 25 | $22.7M | $-23.1M | ||
| Q2 25 | $-5.0M | $-22.6M | ||
| Q1 25 | $2.9M | $-35.3M | ||
| Q4 24 | $33.3M | — | ||
| Q3 24 | $-1.6M | $-30.1M | ||
| Q2 24 | $1.2M | $-41.0M | ||
| Q1 24 | $410.0K | $-63.3M |
自由现金流率CFFILAB
| Q4 25 | 61.8% | — | ||
| Q3 25 | 63.0% | -118.1% | ||
| Q2 25 | -13.6% | -103.6% | ||
| Q1 25 | 9.0% | -86.6% | ||
| Q4 24 | 103.8% | — | ||
| Q3 24 | -4.9% | -136.4% | ||
| Q2 24 | 3.7% | -182.2% | ||
| Q1 24 | 1.3% | -138.9% |
资本支出强度CFFILAB
| Q4 25 | 6.5% | — | ||
| Q3 25 | 2.1% | 4.5% | ||
| Q2 25 | 1.6% | 8.7% | ||
| Q1 25 | 0.8% | 12.4% | ||
| Q4 24 | 10.9% | — | ||
| Q3 24 | 6.1% | 10.2% | ||
| Q2 24 | 1.7% | 8.6% | ||
| Q1 24 | 1.6% | 1.7% |
现金转化率CFFILAB
| Q4 25 | 3.65× | — | ||
| Q3 25 | 3.31× | — | ||
| Q2 25 | -0.57× | — | ||
| Q1 25 | 0.60× | — | ||
| Q4 24 | 6.09× | — | ||
| Q3 24 | 0.07× | — | ||
| Q2 24 | 0.34× | — | ||
| Q1 24 | 0.26× | — |
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
CFFI
| Community Banking | $25.9M | 72% |
| Consumer Finance Segment | $7.0M | 19% |
| Mortgage Banking Segment | $1.9M | 5% |
| Other | $1.1M | 3% |
LAB
| Consumables | $8.7M | 45% |
| Services And Other Revenue | $5.8M | 29% |
| Instruments | $5.1M | 26% |
