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Chime Financial, Inc.（CHYM）与越洋钻探（RIG）财务数据对比。点击上方公司名可切换其他公司
越洋钻探的季度营收约是Chime Financial, Inc.的1.9倍（$1.0B vs $543.5M），越洋钻探净利率更高（2.4% vs -10.1%，领先12.5%），Chime Financial, Inc.同比增速更快（28.8% vs 9.6%），越洋钻探自由现金流更多（$321.0M 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。
越洋钻探（Transocean Ltd.）是按营收计全球规模最大的海上钻探承包商，总部位于瑞士施泰因豪森，起源于美国，目前在加拿大、美国、挪威、英国、印度、巴西、新加坡等20个国家设有办事机构，业务覆盖全球主要海上油气开采区域。
CHYM vs RIG — 直观对比
营收规模更大
RIG
是对方的1.9倍
$543.5M
营收增速更快
CHYM
高出19.3%
9.6%
净利率更高
RIG
高出12.5%
-10.1%
自由现金流更多
RIG
多$305.6M
$15.4M
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $1.0B |
| 净利润 | $-54.7M | $25.0M |
| 毛利率 | 87.2% | 42.0% |
| 营业利润率 | -11.9% | 23.0% |
| 净利率 | -10.1% | 2.4% |
| 营收同比 | 28.8% | 9.6% |
| 净利润同比 | -148.4% | 257.1% |
| 每股收益（稀释后） | $-0.15 | $0.13 |
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CHYMRIG
| Q4 25 | — | $1.0B | ||
| Q3 25 | $543.5M | $1.0B | ||
| Q2 25 | $528.1M | $988.0M | ||
| Q1 25 | — | $906.0M | ||
| Q4 24 | — | $952.0M | ||
| Q3 24 | $421.9M | $948.0M | ||
| Q2 24 | $384.2M | $861.0M | ||
| Q1 24 | — | $763.0M |
净利润CHYMRIG
| Q4 25 | — | $25.0M | ||
| Q3 25 | $-54.7M | $-1.9B | ||
| Q2 25 | $-923.4M | $-938.0M | ||
| Q1 25 | — | $-79.0M | ||
| Q4 24 | — | $7.0M | ||
| Q3 24 | $-22.0M | $-494.0M | ||
| Q2 24 | $385.0K | $-123.0M | ||
| Q1 24 | — | $98.0M |
毛利率CHYMRIG
| Q4 25 | — | 42.0% | ||
| Q3 25 | 87.2% | 43.2% | ||
| Q2 25 | 87.3% | 39.4% | ||
| Q1 25 | — | 31.8% | ||
| Q4 24 | — | 39.2% | ||
| Q3 24 | 87.3% | 40.6% | ||
| Q2 24 | 86.9% | 38.0% | ||
| Q1 24 | — | 31.5% |
营业利润率CHYMRIG
| Q4 25 | — | 23.0% | ||
| Q3 25 | -11.9% | -163.1% | ||
| Q2 25 | -176.2% | -97.6% | ||
| Q1 25 | — | 7.1% | ||
| Q4 24 | — | 13.7% | ||
| Q3 24 | -7.3% | -51.2% | ||
| Q2 24 | -2.5% | -6.9% | ||
| Q1 24 | — | -0.4% |
净利率CHYMRIG
| Q4 25 | — | 2.4% | ||
| Q3 25 | -10.1% | -187.1% | ||
| Q2 25 | -174.8% | -94.9% | ||
| Q1 25 | — | -8.7% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | -5.2% | -52.1% | ||
| Q2 24 | 0.1% | -14.3% | ||
| Q1 24 | — | 12.8% |
每股收益（稀释后）CHYMRIG
| Q4 25 | — | $0.13 | ||
| Q3 25 | $-0.15 | $-2.00 | ||
| Q2 25 | $-7.29 | $-1.06 | ||
| Q1 25 | — | $-0.11 | ||
| Q4 24 | — | $-0.14 | ||
| Q3 24 | $-0.34 | $-0.58 | ||
| Q2 24 | $0.00 | $-0.15 | ||
| Q1 24 | — | $0.11 |
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 | $620.0M |
| 总债务越低越好 | — | $5.2B |
| 股东权益账面价值 | $1.4B | $8.1B |
| 总资产 | $2.0B | $15.6B |
| 负债/权益比越低杠杆越低 | — | 0.64× |
8季度趋势，按日历期对齐
现金及短期投资CHYMRIG
| Q4 25 | — | $620.0M | ||
| Q3 25 | $445.0M | $833.0M | ||
| Q2 25 | $868.3M | $377.0M | ||
| Q1 25 | — | $263.0M | ||
| Q4 24 | — | $560.0M | ||
| Q3 24 | $270.8M | $435.0M | ||
| Q2 24 | $295.4M | $475.0M | ||
| Q1 24 | — | $446.0M |
总债务CHYMRIG
| Q4 25 | — | $5.2B | ||
| Q3 25 | — | $4.8B | ||
| Q2 25 | — | $5.9B | ||
| Q1 25 | — | $5.9B | ||
| Q4 24 | — | $6.2B | ||
| Q3 24 | — | $6.5B | ||
| Q2 24 | — | $6.8B | ||
| Q1 24 | — | $6.8B |
股东权益CHYMRIG
| Q4 25 | — | $8.1B | ||
| Q3 25 | $1.4B | $8.1B | ||
| Q2 25 | $1.4B | $9.4B | ||
| Q1 25 | — | $10.2B | ||
| Q4 24 | — | $10.3B | ||
| Q3 24 | $-1.9B | $10.2B | ||
| Q2 24 | $-1.9B | $10.7B | ||
| Q1 24 | — | $10.5B |
总资产CHYMRIG
| Q4 25 | — | $15.6B | ||
| Q3 25 | $2.0B | $16.2B | ||
| Q2 25 | $1.9B | $17.8B | ||
| Q1 25 | — | $19.0B | ||
| Q4 24 | — | $19.4B | ||
| Q3 24 | — | $19.5B | ||
| Q2 24 | — | $20.3B | ||
| Q1 24 | — | $19.9B |
负债/权益比CHYMRIG
| Q4 25 | — | 0.64× | ||
| Q3 25 | — | 0.60× | ||
| Q2 25 | — | 0.63× | ||
| Q1 25 | — | 0.58× | ||
| Q4 24 | — | 0.60× | ||
| Q3 24 | — | 0.64× | ||
| Q2 24 | — | 0.63× | ||
| Q1 24 | — | 0.65× |
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 | $321.0M |
| 自由现金流率自由现金流/营收 | 2.8% | 30.8% |
| 资本支出强度资本支出/营收 | 0.4% | 2.7% |
| 现金转化率经营现金流/净利润 | — | 13.96× |
| 过去12个月自由现金流最近4个季度 | — | $626.0M |
8季度趋势，按日历期对齐
经营现金流CHYMRIG
| Q4 25 | — | $349.0M | ||
| Q3 25 | $17.5M | $246.0M | ||
| Q2 25 | $2.7M | $128.0M | ||
| Q1 25 | — | $26.0M | ||
| Q4 24 | — | $206.0M | ||
| Q3 24 | — | $194.0M | ||
| Q2 24 | — | $133.0M | ||
| Q1 24 | — | $-86.0M |
自由现金流CHYMRIG
| Q4 25 | — | $321.0M | ||
| Q3 25 | $15.4M | $235.0M | ||
| Q2 25 | $-888.0K | $104.0M | ||
| Q1 25 | — | $-34.0M | ||
| Q4 24 | — | $177.0M | ||
| Q3 24 | — | $136.0M | ||
| Q2 24 | — | $49.0M | ||
| Q1 24 | — | $-169.0M |
自由现金流率CHYMRIG
| Q4 25 | — | 30.8% | ||
| Q3 25 | 2.8% | 22.9% | ||
| Q2 25 | -0.2% | 10.5% | ||
| Q1 25 | — | -3.8% | ||
| Q4 24 | — | 18.6% | ||
| Q3 24 | — | 14.3% | ||
| Q2 24 | — | 5.7% | ||
| Q1 24 | — | -22.1% |
资本支出强度CHYMRIG
| Q4 25 | — | 2.7% | ||
| Q3 25 | 0.4% | 1.1% | ||
| Q2 25 | 0.7% | 2.4% | ||
| Q1 25 | — | 6.6% | ||
| Q4 24 | — | 3.0% | ||
| Q3 24 | — | 6.1% | ||
| Q2 24 | — | 9.8% | ||
| Q1 24 | — | 10.9% |
现金转化率CHYMRIG
| Q4 25 | — | 13.96× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 29.43× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -0.88× |
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% |
RIG
| Ultra Deepwater Floaters | $433.0M | 42% |
| BR | $236.0M | 23% |
| Other Geographical | $211.0M | 20% |
| Harsh Environment Floaters | $163.0M | 16% |
