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Chime Financial, Inc.（CHYM）与Perella Weinberg Partners（PWP）财务数据对比。点击上方公司名可切换其他公司
Chime Financial, Inc.的季度营收约是Perella Weinberg Partners的2.5倍（$543.5M vs $219.2M），Perella Weinberg Partners净利率更高（6.3% vs -10.1%，领先16.4%），Chime Financial, Inc.同比增速更快（28.8% vs -2.9%），Perella Weinberg Partners自由现金流更多（$30.5M 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。
佩雷拉温伯格合伙公司是一家聚焦咨询业务的全球投资银行，核心为客户提供战略与财务领域的专业咨询服务，凭借深厚的行业经验和全球化资源网络，为各类企业的重要商业决策提供专业支持。
CHYM vs PWP — 直观对比
营收规模更大
CHYM
是对方的2.5倍
$219.2M
营收增速更快
CHYM
高出31.7%
-2.9%
净利率更高
PWP
高出16.4%
-10.1%
自由现金流更多
PWP
多$15.0M
$15.4M
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $219.2M |
| 净利润 | $-54.7M | $13.8M |
| 毛利率 | 87.2% | — |
| 营业利润率 | -11.9% | 8.5% |
| 净利率 | -10.1% | 6.3% |
| 营收同比 | 28.8% | -2.9% |
| 净利润同比 | -148.4% | — |
| 每股收益（稀释后） | $-0.15 | $0.11 |
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CHYMPWP
| Q4 25 | — | $219.2M | ||
| Q3 25 | $543.5M | $164.6M | ||
| Q2 25 | $528.1M | $155.3M | ||
| Q1 25 | — | $211.8M | ||
| Q4 24 | — | $225.7M | ||
| Q3 24 | $421.9M | $278.2M | ||
| Q2 24 | $384.2M | $272.0M | ||
| Q1 24 | — | $102.1M |
净利润CHYMPWP
| Q4 25 | — | $13.8M | ||
| Q3 25 | $-54.7M | $6.0M | ||
| Q2 25 | $-923.4M | $2.7M | ||
| Q1 25 | — | $17.3M | ||
| Q4 24 | — | — | ||
| Q3 24 | $-22.0M | $16.4M | ||
| Q2 24 | $385.0K | $-66.0M | ||
| Q1 24 | — | $-35.8M |
毛利率CHYMPWP
| Q4 25 | — | — | ||
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 87.3% | — | ||
| Q2 24 | 86.9% | — | ||
| Q1 24 | — | — |
营业利润率CHYMPWP
| Q4 25 | — | 8.5% | ||
| Q3 25 | -11.9% | 5.4% | ||
| Q2 25 | -176.2% | 5.8% | ||
| Q1 25 | — | 5.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | -7.3% | 12.9% | ||
| Q2 24 | -2.5% | -30.2% | ||
| Q1 24 | — | -52.4% |
净利率CHYMPWP
| Q4 25 | — | 6.3% | ||
| Q3 25 | -10.1% | 3.6% | ||
| Q2 25 | -174.8% | 1.8% | ||
| Q1 25 | — | 8.2% | ||
| Q4 24 | — | — | ||
| Q3 24 | -5.2% | 5.9% | ||
| Q2 24 | 0.1% | -24.3% | ||
| Q1 24 | — | -35.1% |
每股收益（稀释后）CHYMPWP
| Q4 25 | — | $0.11 | ||
| Q3 25 | $-0.15 | $0.08 | ||
| Q2 25 | $-7.29 | $0.04 | ||
| Q1 25 | — | $0.24 | ||
| Q4 24 | — | — | ||
| Q3 24 | $-0.34 | $0.24 | ||
| Q2 24 | $0.00 | $-1.21 | ||
| Q1 24 | — | $-0.91 |
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 | $255.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $-127.4M |
| 总资产 | $2.0B | $797.6M |
| 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CHYMPWP
| Q4 25 | — | $255.9M | ||
| Q3 25 | $445.0M | $185.5M | ||
| Q2 25 | $868.3M | $145.0M | ||
| Q1 25 | — | $111.2M | ||
| Q4 24 | — | $407.4M | ||
| Q3 24 | $270.8M | $335.1M | ||
| Q2 24 | $295.4M | $185.3M | ||
| Q1 24 | — | $156.7M |
股东权益CHYMPWP
| Q4 25 | — | $-127.4M | ||
| Q3 25 | $1.4B | $-302.4M | ||
| Q2 25 | $1.4B | $-318.4M | ||
| Q1 25 | — | $-323.1M | ||
| Q4 24 | — | $-421.4M | ||
| Q3 24 | $-1.9B | $-360.8M | ||
| Q2 24 | $-1.9B | $-283.0M | ||
| Q1 24 | — | $161.9M |
总资产CHYMPWP
| Q4 25 | — | $797.6M | ||
| Q3 25 | $2.0B | $650.2M | ||
| Q2 25 | $1.9B | $606.7M | ||
| Q1 25 | — | $570.5M | ||
| Q4 24 | — | $876.8M | ||
| Q3 24 | — | $810.9M | ||
| Q2 24 | — | $645.5M | ||
| Q1 24 | — | $583.6M |
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 | $34.8M |
| 自由现金流经营现金流 - 资本支出 | $15.4M | $30.5M |
| 自由现金流率自由现金流/营收 | 2.8% | 13.9% |
| 资本支出强度资本支出/营收 | 0.4% | 2.0% |
| 现金转化率经营现金流/净利润 | — | 2.52× |
| 过去12个月自由现金流最近4个季度 | — | $-34.1M |
8季度趋势，按日历期对齐
经营现金流CHYMPWP
| Q4 25 | — | $34.8M | ||
| Q3 25 | $17.5M | $59.2M | ||
| Q2 25 | $2.7M | $56.1M | ||
| Q1 25 | — | $-176.5M | ||
| Q4 24 | — | $223.4M | ||
| Q3 24 | — | $200.3M | ||
| Q2 24 | — | $90.0M | ||
| Q1 24 | — | $-206.3M |
自由现金流CHYMPWP
| Q4 25 | — | $30.5M | ||
| Q3 25 | $15.4M | $57.6M | ||
| Q2 25 | $-888.0K | $55.3M | ||
| Q1 25 | — | $-177.6M | ||
| Q4 24 | — | $207.0M | ||
| Q3 24 | — | $199.3M | ||
| Q2 24 | — | $83.7M | ||
| Q1 24 | — | $-214.8M |
自由现金流率CHYMPWP
| Q4 25 | — | 13.9% | ||
| Q3 25 | 2.8% | 35.0% | ||
| Q2 25 | -0.2% | 35.6% | ||
| Q1 25 | — | -83.8% | ||
| Q4 24 | — | 91.7% | ||
| Q3 24 | — | 71.6% | ||
| Q2 24 | — | 30.8% | ||
| Q1 24 | — | -210.3% |
资本支出强度CHYMPWP
| Q4 25 | — | 2.0% | ||
| Q3 25 | 0.4% | 0.9% | ||
| Q2 25 | 0.7% | 0.5% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | 8.3% |
现金转化率CHYMPWP
| Q4 25 | — | 2.52× | ||
| Q3 25 | — | 9.85× | ||
| Q2 25 | — | 20.50× | ||
| Q1 25 | — | -10.18× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 12.23× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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% |
PWP
暂无分部数据
