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Chime Financial, Inc.（CHYM）与Revvity（RVTY）财务数据对比。点击上方公司名可切换其他公司
Revvity的季度营收约是Chime Financial, Inc.的1.4倍（$772.1M vs $543.5M），Revvity净利率更高（12.7% vs -10.1%，领先22.8%），Chime Financial, Inc.同比增速更快（28.8% vs 5.9%），Revvity自由现金流更多（$161.8M 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。
Revvity是一家美国生命科学与诊断领域企业，主要服务制药、生物技术行业客户，重点围绕细胞治疗、基因治疗等前沿技术领域提供相关产品与解决方案，其前身为业务布局多元的老牌企业珀金埃尔默。
CHYM vs RVTY — 直观对比
营收规模更大
RVTY
是对方的1.4倍
$543.5M
营收增速更快
CHYM
高出23.0%
5.9%
净利率更高
RVTY
高出22.8%
-10.1%
自由现金流更多
RVTY
多$146.4M
$15.4M
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $772.1M |
| 净利润 | $-54.7M | $98.4M |
| 毛利率 | 87.2% | — |
| 营业利润率 | -11.9% | 14.5% |
| 净利率 | -10.1% | 12.7% |
| 营收同比 | 28.8% | 5.9% |
| 净利润同比 | -148.4% | 3.9% |
| 每股收益（稀释后） | $-0.15 | $0.86 |
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CHYMRVTY
| Q4 25 | — | $772.1M | ||
| Q3 25 | $543.5M | $698.9M | ||
| Q2 25 | $528.1M | $720.3M | ||
| Q1 25 | — | $664.8M | ||
| Q4 24 | — | $729.4M | ||
| Q3 24 | $421.9M | $684.0M | ||
| Q2 24 | $384.2M | $691.7M | ||
| Q1 24 | — | $649.9M |
净利润CHYMRVTY
| Q4 25 | — | $98.4M | ||
| Q3 25 | $-54.7M | $46.7M | ||
| Q2 25 | $-923.4M | $53.9M | ||
| Q1 25 | — | $42.2M | ||
| Q4 24 | — | $94.6M | ||
| Q3 24 | $-22.0M | $94.4M | ||
| Q2 24 | $385.0K | $55.4M | ||
| Q1 24 | — | $26.0M |
毛利率CHYMRVTY
| Q4 25 | — | — | ||
| Q3 25 | 87.2% | 53.6% | ||
| Q2 25 | 87.3% | 54.5% | ||
| Q1 25 | — | 56.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | 87.3% | 56.3% | ||
| Q2 24 | 86.9% | 55.7% | ||
| Q1 24 | — | 54.6% |
营业利润率CHYMRVTY
| Q4 25 | — | 14.5% | ||
| Q3 25 | -11.9% | 11.7% | ||
| Q2 25 | -176.2% | 12.6% | ||
| Q1 25 | — | 10.9% | ||
| Q4 24 | — | 16.3% | ||
| Q3 24 | -7.3% | 14.3% | ||
| Q2 24 | -2.5% | 12.4% | ||
| Q1 24 | — | 6.8% |
净利率CHYMRVTY
| Q4 25 | — | 12.7% | ||
| Q3 25 | -10.1% | 6.7% | ||
| Q2 25 | -174.8% | 7.5% | ||
| Q1 25 | — | 6.4% | ||
| Q4 24 | — | 13.0% | ||
| Q3 24 | -5.2% | 13.8% | ||
| Q2 24 | 0.1% | 8.0% | ||
| Q1 24 | — | 4.0% |
每股收益（稀释后）CHYMRVTY
| Q4 25 | — | $0.86 | ||
| Q3 25 | $-0.15 | $0.40 | ||
| Q2 25 | $-7.29 | $0.46 | ||
| Q1 25 | — | $0.35 | ||
| Q4 24 | — | $0.77 | ||
| Q3 24 | $-0.34 | $0.77 | ||
| Q2 24 | $0.00 | $0.45 | ||
| Q1 24 | — | $0.21 |
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 | $919.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $7.3B |
| 总资产 | $2.0B | $12.2B |
| 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CHYMRVTY
| Q4 25 | — | $919.9M | ||
| Q3 25 | $445.0M | $931.4M | ||
| Q2 25 | $868.3M | $991.8M | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | $270.8M | $1.2B | ||
| Q2 24 | $295.4M | $2.0B | ||
| Q1 24 | — | $1.7B |
股东权益CHYMRVTY
| Q4 25 | — | $7.3B | ||
| Q3 25 | $1.4B | $7.4B | ||
| Q2 25 | $1.4B | $7.6B | ||
| Q1 25 | — | $7.6B | ||
| Q4 24 | — | $7.7B | ||
| Q3 24 | $-1.9B | $7.9B | ||
| Q2 24 | $-1.9B | $7.9B | ||
| Q1 24 | — | $7.8B |
总资产CHYMRVTY
| Q4 25 | — | $12.2B | ||
| Q3 25 | $2.0B | $12.1B | ||
| Q2 25 | $1.9B | $12.4B | ||
| Q1 25 | — | $12.4B | ||
| Q4 24 | — | $12.4B | ||
| Q3 24 | — | $12.8B | ||
| Q2 24 | — | $13.4B | ||
| Q1 24 | — | $13.4B |
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 | $182.0M |
| 自由现金流经营现金流 - 资本支出 | $15.4M | $161.8M |
| 自由现金流率自由现金流/营收 | 2.8% | 21.0% |
| 资本支出强度资本支出/营收 | 0.4% | 2.6% |
| 现金转化率经营现金流/净利润 | — | 1.85× |
| 过去12个月自由现金流最近4个季度 | — | $509.4M |
8季度趋势，按日历期对齐
经营现金流CHYMRVTY
| Q4 25 | — | $182.0M | ||
| Q3 25 | $17.5M | $138.5M | ||
| Q2 25 | $2.7M | $134.3M | ||
| Q1 25 | — | $128.2M | ||
| Q4 24 | — | $174.2M | ||
| Q3 24 | — | $147.9M | ||
| Q2 24 | — | $158.6M | ||
| Q1 24 | — | $147.6M |
自由现金流CHYMRVTY
| Q4 25 | — | $161.8M | ||
| Q3 25 | $15.4M | $120.0M | ||
| Q2 25 | $-888.0K | $115.5M | ||
| Q1 25 | — | $112.2M | ||
| Q4 24 | — | $149.8M | ||
| Q3 24 | — | $125.6M | ||
| Q2 24 | — | $136.6M | ||
| Q1 24 | — | $129.7M |
自由现金流率CHYMRVTY
| Q4 25 | — | 21.0% | ||
| Q3 25 | 2.8% | 17.2% | ||
| Q2 25 | -0.2% | 16.0% | ||
| Q1 25 | — | 16.9% | ||
| Q4 24 | — | 20.5% | ||
| Q3 24 | — | 18.4% | ||
| Q2 24 | — | 19.7% | ||
| Q1 24 | — | 20.0% |
资本支出强度CHYMRVTY
| Q4 25 | — | 2.6% | ||
| Q3 25 | 0.4% | 2.6% | ||
| Q2 25 | 0.7% | 2.6% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 3.4% | ||
| Q3 24 | — | 3.3% | ||
| Q2 24 | — | 3.2% | ||
| Q1 24 | — | 2.7% |
现金转化率CHYMRVTY
| Q4 25 | — | 1.85× | ||
| Q3 25 | — | 2.97× | ||
| Q2 25 | — | 2.49× | ||
| Q1 25 | — | 3.03× | ||
| Q4 24 | — | 1.84× | ||
| Q3 24 | — | 1.57× | ||
| Q2 24 | — | 2.87× | ||
| Q1 24 | — | 5.67× |
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% |
RVTY
| Immunodiagnostics | $240.8M | 31% |
| Life Sciences | $191.4M | 25% |
| Reproductive Health | $149.3M | 19% |
| Segment Operating Income | $132.0M | 17% |
| Software | $62.3M | 8% |
