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Chime Financial, Inc.（CHYM）与Royalty Pharma plc（RPRX）财务数据对比。点击上方公司名可切换其他公司
Royalty Pharma plc的季度营收约是Chime Financial, Inc.的1.1倍（$622.0M vs $543.5M），Royalty Pharma plc净利率更高（34.4% vs -10.1%，领先44.5%），Chime Financial, Inc.同比增速更快（28.8% vs 4.8%）
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。
本公司是总部位于美国马萨诸塞州剑桥市的临床阶段生物制药企业，专注于研发可调节转化生长因子β（TGF-β）超家族蛋白的药物，该类蛋白在红细胞、肌肉、骨骼、血管等细胞与组织的生长修复过程中发挥核心作用。
CHYM vs RPRX — 直观对比
营收规模更大
RPRX
是对方的1.1倍
$543.5M
营收增速更快
CHYM
高出24.1%
4.8%
净利率更高
RPRX
高出44.5%
-10.1%
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $622.0M |
| 净利润 | $-54.7M | $214.2M |
| 毛利率 | 87.2% | — |
| 营业利润率 | -11.9% | 62.4% |
| 净利率 | -10.1% | 34.4% |
| 营收同比 | 28.8% | 4.8% |
| 净利润同比 | -148.4% | 2.9% |
| 每股收益（稀释后） | $-0.15 | $0.49 |
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CHYMRPRX
| Q4 25 | — | $622.0M | ||
| Q3 25 | $543.5M | $609.3M | ||
| Q2 25 | $528.1M | $578.7M | ||
| Q1 25 | — | $568.2M | ||
| Q4 24 | — | $593.6M | ||
| Q3 24 | $421.9M | $564.7M | ||
| Q2 24 | $384.2M | $537.3M | ||
| Q1 24 | — | $568.0M |
净利润CHYMRPRX
| Q4 25 | — | $214.2M | ||
| Q3 25 | $-54.7M | $288.2M | ||
| Q2 25 | $-923.4M | $30.2M | ||
| Q1 25 | — | $238.3M | ||
| Q4 24 | — | $208.2M | ||
| Q3 24 | $-22.0M | $544.0M | ||
| Q2 24 | $385.0K | $102.0M | ||
| Q1 24 | — | $4.8M |
毛利率CHYMRPRX
| 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CHYMRPRX
| Q4 25 | — | 62.4% | ||
| Q3 25 | -11.9% | 70.1% | ||
| Q2 25 | -176.2% | 36.3% | ||
| Q1 25 | — | 94.0% | ||
| Q4 24 | — | 60.9% | ||
| Q3 24 | -7.3% | — | ||
| Q2 24 | -2.5% | 50.2% | ||
| Q1 24 | — | -13.0% |
净利率CHYMRPRX
| Q4 25 | — | 34.4% | ||
| Q3 25 | -10.1% | 47.3% | ||
| Q2 25 | -174.8% | 5.2% | ||
| Q1 25 | — | 41.9% | ||
| Q4 24 | — | 35.1% | ||
| Q3 24 | -5.2% | 96.3% | ||
| Q2 24 | 0.1% | 19.0% | ||
| Q1 24 | — | 0.8% |
每股收益（稀释后）CHYMRPRX
| Q4 25 | — | $0.49 | ||
| Q3 25 | $-0.15 | $0.67 | ||
| Q2 25 | $-7.29 | $0.07 | ||
| Q1 25 | — | $0.55 | ||
| Q4 24 | — | $0.46 | ||
| Q3 24 | $-0.34 | $1.21 | ||
| Q2 24 | $0.00 | $0.23 | ||
| Q1 24 | — | $0.01 |
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 | $618.7M |
| 总债务越低越好 | — | $9.0B |
| 股东权益账面价值 | $1.4B | $9.7B |
| 总资产 | $2.0B | $19.6B |
| 负债/权益比越低杠杆越低 | — | 0.92× |
8季度趋势，按日历期对齐
现金及短期投资CHYMRPRX
| Q4 25 | — | $618.7M | ||
| Q3 25 | $445.0M | $938.9M | ||
| Q2 25 | $868.3M | $631.9M | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $929.0M | ||
| Q3 24 | $270.8M | $950.1M | ||
| Q2 24 | $295.4M | $1.8B | ||
| Q1 24 | — | $843.0M |
总债务CHYMRPRX
| Q4 25 | — | $9.0B | ||
| Q3 25 | — | $8.9B | ||
| Q2 25 | — | $8.0B | ||
| Q1 25 | — | $7.6B | ||
| Q4 24 | — | $7.6B | ||
| Q3 24 | — | $7.6B | ||
| Q2 24 | — | $7.6B | ||
| Q1 24 | — | $6.1B |
股东权益CHYMRPRX
| Q4 25 | — | $9.7B | ||
| Q3 25 | $1.4B | $9.6B | ||
| Q2 25 | $1.4B | $9.5B | ||
| Q1 25 | — | $9.8B | ||
| Q4 24 | — | $10.3B | ||
| Q3 24 | $-1.9B | $10.3B | ||
| Q2 24 | $-1.9B | $9.8B | ||
| Q1 24 | — | $9.9B |
总资产CHYMRPRX
| Q4 25 | — | $19.6B | ||
| Q3 25 | $2.0B | $19.3B | ||
| Q2 25 | $1.9B | $18.3B | ||
| Q1 25 | — | $17.6B | ||
| Q4 24 | — | $18.2B | ||
| Q3 24 | — | $18.0B | ||
| Q2 24 | — | $17.7B | ||
| Q1 24 | — | $16.1B |
负债/权益比CHYMRPRX
| Q4 25 | — | 0.92× | ||
| Q3 25 | — | 0.93× | ||
| Q2 25 | — | 0.84× | ||
| Q1 25 | — | 0.78× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 0.74× | ||
| Q2 24 | — | 0.78× | ||
| Q1 24 | — | 0.62× |
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 | $827.1M |
| 自由现金流经营现金流 - 资本支出 | $15.4M | — |
| 自由现金流率自由现金流/营收 | 2.8% | — |
| 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 | — | 3.86× |
| 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CHYMRPRX
| Q4 25 | — | $827.1M | ||
| Q3 25 | $17.5M | $702.6M | ||
| Q2 25 | $2.7M | $364.0M | ||
| Q1 25 | — | $596.1M | ||
| Q4 24 | — | $742.5M | ||
| Q3 24 | — | $703.6M | ||
| Q2 24 | — | $658.2M | ||
| Q1 24 | — | $664.6M |
自由现金流CHYMRPRX
| Q4 25 | — | — | ||
| Q3 25 | $15.4M | — | ||
| Q2 25 | $-888.0K | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率CHYMRPRX
| Q4 25 | — | — | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | -0.2% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度CHYMRPRX
| Q4 25 | — | — | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率CHYMRPRX
| Q4 25 | — | 3.86× | ||
| Q3 25 | — | 2.44× | ||
| Q2 25 | — | 12.06× | ||
| Q1 25 | — | 2.50× | ||
| Q4 24 | — | 3.57× | ||
| Q3 24 | — | 1.29× | ||
| Q2 24 | — | 6.45× | ||
| Q1 24 | — | 139.10× |
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% |
RPRX
| Financial Royalty Assets | $592.4M | 95% |
| Royalty Income Other | $29.6M | 5% |
