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Chime Financial, Inc.（CHYM）与GENMAB A/S（GMAB）财务数据对比。点击上方公司名可切换其他公司
GENMAB A/S的季度营收约是Chime Financial, Inc.的1.7倍（$925.0M vs $543.5M），GENMAB A/S净利率更高（36.3% vs -10.1%，领先46.4%），Chime Financial, Inc.同比增速更快（28.8% vs 18.7%），GENMAB A/S自由现金流更多（$327.0M vs $15.4M）
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。
Genmab A/S是丹麦生物技术企业，1999年2月由原BankInvest生物医药风险基金董事总经理Florian Schönharting创立，总部位于丹麦哥本哈根，在荷兰乌得勒支、美国新泽西州普林斯顿、日本东京、德国慕尼黑及中国苏州均设有子公司，深耕生物科技领域的研发与运营。
CHYM vs GMAB — 直观对比
营收规模更大
GMAB
是对方的1.7倍
$543.5M
营收增速更快
CHYM
高出10.1%
18.7%
净利率更高
GMAB
高出46.4%
-10.1%
自由现金流更多
GMAB
多$311.6M
$15.4M
损益表 — Q3 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $925.0M |
| 净利润 | $-54.7M | $336.0M |
| 毛利率 | 87.2% | 93.8% |
| 营业利润率 | -11.9% | 38.9% |
| 净利率 | -10.1% | 36.3% |
| 营收同比 | 28.8% | 18.7% |
| 净利润同比 | -148.4% | 65.5% |
| 每股收益（稀释后） | $-0.15 | $5.42 |
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CHYMGMAB
| Q3 25 | $543.5M | — | ||
| Q2 25 | $528.1M | $925.0M | ||
| Q3 24 | $421.9M | — | ||
| Q2 24 | $384.2M | $779.0M | ||
| Q2 23 | — | $604.5M | ||
| Q2 22 | — | $458.5M |
净利润CHYMGMAB
| Q3 25 | $-54.7M | — | ||
| Q2 25 | $-923.4M | $336.0M | ||
| Q3 24 | $-22.0M | — | ||
| Q2 24 | $385.0K | $203.0M | ||
| Q2 23 | — | $193.6M | ||
| Q2 22 | — | $274.2M |
毛利率CHYMGMAB
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | 93.8% | ||
| Q3 24 | 87.3% | — | ||
| Q2 24 | 86.9% | 96.4% | ||
| Q2 23 | — | 99.5% | ||
| Q2 22 | — | — |
营业利润率CHYMGMAB
| Q3 25 | -11.9% | — | ||
| Q2 25 | -176.2% | 38.9% | ||
| Q3 24 | -7.3% | — | ||
| Q2 24 | -2.5% | 30.3% | ||
| Q2 23 | — | 35.2% | ||
| Q2 22 | — | 39.4% |
净利率CHYMGMAB
| Q3 25 | -10.1% | — | ||
| Q2 25 | -174.8% | 36.3% | ||
| Q3 24 | -5.2% | — | ||
| Q2 24 | 0.1% | 26.1% | ||
| Q2 23 | — | 32.0% | ||
| Q2 22 | — | 59.8% |
每股收益（稀释后）CHYMGMAB
| Q3 25 | $-0.15 | — | ||
| Q2 25 | $-7.29 | $5.42 | ||
| Q3 24 | $-0.34 | — | ||
| Q2 24 | $0.00 | $3.13 | ||
| Q2 23 | — | — | ||
| Q2 22 | — | — |
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 | $445.0M | $1.3B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $5.3B |
| 总资产 | $2.0B | $6.5B |
| 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CHYMGMAB
| Q3 25 | $445.0M | — | ||
| Q2 25 | $868.3M | $1.3B | ||
| Q3 24 | $270.8M | — | ||
| Q2 24 | $295.4M | $622.0M | ||
| Q2 23 | — | $1.6B | ||
| Q2 22 | — | $1.4B |
股东权益CHYMGMAB
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.4B | $5.3B | ||
| Q3 24 | $-1.9B | — | ||
| Q2 24 | $-1.9B | $4.4B | ||
| Q2 23 | — | $4.1B | ||
| Q2 22 | — | $3.5B |
总资产CHYMGMAB
| Q3 25 | $2.0B | — | ||
| Q2 25 | $1.9B | $6.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $5.6B | ||
| Q2 23 | — | $4.6B | ||
| Q2 22 | — | $4.0B |
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 | $17.5M | $349.0M |
| 自由现金流经营现金流 - 资本支出 | $15.4M | $327.0M |
| 自由现金流率自由现金流/营收 | 2.8% | 35.4% |
| 资本支出强度资本支出/营收 | 0.4% | 2.4% |
| 现金转化率经营现金流/净利润 | — | 1.04× |
| 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CHYMGMAB
| Q3 25 | $17.5M | — | ||
| Q2 25 | $2.7M | $349.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $438.0M | ||
| Q2 23 | — | — | ||
| Q2 22 | — | — |
自由现金流CHYMGMAB
| Q3 25 | $15.4M | — | ||
| Q2 25 | $-888.0K | $327.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $430.0M | ||
| Q2 23 | — | — | ||
| Q2 22 | — | — |
自由现金流率CHYMGMAB
| Q3 25 | 2.8% | — | ||
| Q2 25 | -0.2% | 35.4% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 55.2% | ||
| Q2 23 | — | — | ||
| Q2 22 | — | — |
资本支出强度CHYMGMAB
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.7% | 2.4% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 1.0% | ||
| Q2 23 | — | — | ||
| Q2 22 | — | — |
现金转化率CHYMGMAB
| Q3 25 | — | — | ||
| Q2 25 | — | 1.04× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 2.16× | ||
| Q2 23 | — | — | ||
| Q2 22 | — | — |
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
CHYM
| Payments Revenue | $363.2M | 67% |
| Platform Related Revenue | $180.4M | 33% |
GMAB
| Darzalex | $638.0M | 69% |
| Kesimpta | $108.0M | 12% |
| Net Product Sales | $101.0M | 11% |
| Other | $28.0M | 3% |
| Tepezza | $20.0M | 2% |
| Reimbursement Revenue | $13.0M | 1% |
| Bio N Tech | $11.0M | 1% |
| Abb Vie | $5.0M | 1% |
| Milestone Revenue | $1.0M | 0% |
