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Chime Financial, Inc.（CHYM）与Reddit, Inc.（RDDT）财务数据对比。点击上方公司名可切换其他公司
Reddit, Inc.的季度营收约是Chime Financial, Inc.的1.2倍（$663.0M vs $543.5M），Reddit, Inc.净利率更高（30.8% vs -10.1%，领先40.8%），Reddit, Inc.同比增速更快（69.0% vs 28.8%），Reddit, Inc.自由现金流更多（$311.0M 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。
Reddit是美国知名的社交新闻聚合与论坛类社交媒体平台，注册用户可发布链接、文字帖、图片、视频等各类内容，其他用户可对内容进行点赞或点踩，内容按主题归类到用户创建的子板块中，获赞更高的内容会排在板块前列，热度足够的内容还将展示在全站首页。
CHYM vs RDDT — 直观对比
营收规模更大
RDDT
是对方的1.2倍
$543.5M
营收增速更快
RDDT
高出40.2%
28.8%
净利率更高
RDDT
高出40.8%
-10.1%
自由现金流更多
RDDT
多$295.6M
$15.4M
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $663.0M |
| 净利润 | $-54.7M | $204.0M |
| 毛利率 | 87.2% | 100.0% |
| 营业利润率 | -11.9% | 0.0% |
| 净利率 | -10.1% | 30.8% |
| 营收同比 | 28.8% | 69.0% |
| 净利润同比 | -148.4% | 680.0% |
| 每股收益（稀释后） | $-0.15 | $1.01 |
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CHYMRDDT
| Q1 26 | — | $663.0M | ||
| Q4 25 | — | $725.6M | ||
| Q3 25 | $543.5M | $584.9M | ||
| Q2 25 | $528.1M | $499.6M | ||
| Q1 25 | — | $392.4M | ||
| Q4 24 | — | $427.7M | ||
| Q3 24 | $421.9M | $348.4M | ||
| Q2 24 | $384.2M | $281.2M |
净利润CHYMRDDT
| Q1 26 | — | $204.0M | ||
| Q4 25 | — | $251.6M | ||
| Q3 25 | $-54.7M | $162.7M | ||
| Q2 25 | $-923.4M | $89.3M | ||
| Q1 25 | — | $26.2M | ||
| Q4 24 | — | $71.0M | ||
| Q3 24 | $-22.0M | $29.9M | ||
| Q2 24 | $385.0K | $-10.1M |
毛利率CHYMRDDT
| Q1 26 | — | 100.0% | ||
| Q4 25 | — | 91.9% | ||
| Q3 25 | 87.2% | 91.0% | ||
| Q2 25 | 87.3% | 90.8% | ||
| Q1 25 | — | 90.5% | ||
| Q4 24 | — | 92.6% | ||
| Q3 24 | 87.3% | 90.1% | ||
| Q2 24 | 86.9% | 89.5% |
营业利润率CHYMRDDT
| Q1 26 | — | 0.0% | ||
| Q4 25 | — | 31.9% | ||
| Q3 25 | -11.9% | 23.7% | ||
| Q2 25 | -176.2% | 13.6% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 12.4% | ||
| Q3 24 | -7.3% | 2.0% | ||
| Q2 24 | -2.5% | -11.0% |
净利率CHYMRDDT
| Q1 26 | — | 30.8% | ||
| Q4 25 | — | 34.7% | ||
| Q3 25 | -10.1% | 27.8% | ||
| Q2 25 | -174.8% | 17.9% | ||
| Q1 25 | — | 6.7% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | -5.2% | 8.6% | ||
| Q2 24 | 0.1% | -3.6% |
每股收益（稀释后）CHYMRDDT
| Q1 26 | — | $1.01 | ||
| Q4 25 | — | $1.24 | ||
| Q3 25 | $-0.15 | $0.80 | ||
| Q2 25 | $-7.29 | $0.45 | ||
| Q1 25 | — | $0.13 | ||
| Q4 24 | — | $4.76 | ||
| Q3 24 | $-0.34 | $0.16 | ||
| Q2 24 | $0.00 | $-0.06 |
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 | $1.4B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $3.2B |
| 总资产 | $2.0B | $3.5B |
| 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CHYMRDDT
| Q1 26 | — | $1.4B | ||
| Q4 25 | — | $953.6M | ||
| Q3 25 | $445.0M | $911.7M | ||
| Q2 25 | $868.3M | $734.1M | ||
| Q1 25 | — | $635.7M | ||
| Q4 24 | — | $562.1M | ||
| Q3 24 | $270.8M | $515.9M | ||
| Q2 24 | $295.4M | $468.0M |
股东权益CHYMRDDT
| Q1 26 | — | $3.2B | ||
| Q4 25 | — | $2.9B | ||
| Q3 25 | $1.4B | $2.6B | ||
| Q2 25 | $1.4B | $2.4B | ||
| Q1 25 | — | $2.2B | ||
| Q4 24 | — | $2.1B | ||
| Q3 24 | $-1.9B | $2.0B | ||
| Q2 24 | $-1.9B | $1.9B |
总资产CHYMRDDT
| Q1 26 | — | $3.5B | ||
| Q4 25 | — | $3.2B | ||
| Q3 25 | $2.0B | $2.9B | ||
| Q2 25 | $1.9B | $2.6B | ||
| Q1 25 | — | $2.4B | ||
| Q4 24 | — | $2.3B | ||
| Q3 24 | — | $2.2B | ||
| Q2 24 | — | $2.1B |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $15.4M | $311.0M |
| 自由现金流率自由现金流/营收 | 2.8% | 46.9% |
| 资本支出强度资本支出/营收 | 0.4% | — |
| 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 | — | $868.6M |
8季度趋势，按日历期对齐
经营现金流CHYMRDDT
| Q1 26 | — | — | ||
| Q4 25 | — | $266.8M | ||
| Q3 25 | $17.5M | $185.2M | ||
| Q2 25 | $2.7M | $111.3M | ||
| Q1 25 | — | $127.6M | ||
| Q4 24 | — | $90.0M | ||
| Q3 24 | — | $71.6M | ||
| Q2 24 | — | $28.4M |
自由现金流CHYMRDDT
| Q1 26 | — | $311.0M | ||
| Q4 25 | — | $263.6M | ||
| Q3 25 | $15.4M | $183.1M | ||
| Q2 25 | $-888.0K | $110.8M | ||
| Q1 25 | — | $126.6M | ||
| Q4 24 | — | $89.2M | ||
| Q3 24 | — | $70.3M | ||
| Q2 24 | — | $27.2M |
自由现金流率CHYMRDDT
| Q1 26 | — | 46.9% | ||
| Q4 25 | — | 36.3% | ||
| Q3 25 | 2.8% | 31.3% | ||
| Q2 25 | -0.2% | 22.2% | ||
| Q1 25 | — | 32.3% | ||
| Q4 24 | — | 20.8% | ||
| Q3 24 | — | 20.2% | ||
| Q2 24 | — | 9.7% |
资本支出强度CHYMRDDT
| Q1 26 | — | — | ||
| Q4 25 | — | 0.4% | ||
| Q3 25 | 0.4% | 0.4% | ||
| Q2 25 | 0.7% | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.4% |
现金转化率CHYMRDDT
| Q1 26 | — | — | ||
| Q4 25 | — | 1.06× | ||
| Q3 25 | — | 1.14× | ||
| Q2 25 | — | 1.25× | ||
| Q1 25 | — | 4.88× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | — | 2.40× | ||
| Q2 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% |
RDDT
暂无分部数据
