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Chime Financial, Inc.（CHYM）与Rackspace Technology, Inc.（RXT）财务数据对比。点击上方公司名可切换其他公司
Rackspace Technology, Inc.的季度营收约是Chime Financial, Inc.的1.3倍（$682.8M vs $543.5M），Rackspace Technology, Inc.净利率更高（-4.8% vs -10.1%，领先5.3%），Chime Financial, Inc.同比增速更快（28.8% vs -0.4%），Rackspace Technology, Inc.自由现金流更多（$56.0M 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。
Rackspace Technology, Inc.是总部位于美国得克萨斯州圣安东尼奥的云计算企业，在弗吉尼亚州雷斯顿以及澳大利亚、加拿大、英国、印度、迪拜、瑞士、荷兰、德国、新加坡、墨西哥、中国香港等多个国家和地区设有办事处，数据中心分布于全球多个主要城市，为客户提供专业的云计算相关服务。
CHYM vs RXT — 直观对比
营收规模更大
RXT
是对方的1.3倍
$543.5M
营收增速更快
CHYM
高出29.2%
-0.4%
净利率更高
RXT
高出5.3%
-10.1%
自由现金流更多
RXT
多$40.6M
$15.4M
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $682.8M |
| 净利润 | $-54.7M | $-32.7M |
| 毛利率 | 87.2% | 17.6% |
| 营业利润率 | -11.9% | -0.5% |
| 净利率 | -10.1% | -4.8% |
| 营收同比 | 28.8% | -0.4% |
| 净利润同比 | -148.4% | 41.6% |
| 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CHYMRXT
| Q4 25 | — | $682.8M | ||
| Q3 25 | $543.5M | $671.2M | ||
| Q2 25 | $528.1M | $666.3M | ||
| Q1 25 | — | $665.4M | ||
| Q4 24 | — | $685.6M | ||
| Q3 24 | $421.9M | $675.8M | ||
| Q2 24 | $384.2M | $684.9M | ||
| Q1 24 | — | $690.8M |
净利润CHYMRXT
| Q4 25 | — | $-32.7M | ||
| Q3 25 | $-54.7M | $-67.1M | ||
| Q2 25 | $-923.4M | $-54.5M | ||
| Q1 25 | — | $-71.5M | ||
| Q4 24 | — | $-56.0M | ||
| Q3 24 | $-22.0M | $-186.6M | ||
| Q2 24 | $385.0K | $25.0M | ||
| Q1 24 | — | $-640.6M |
毛利率CHYMRXT
| Q4 25 | — | 17.6% | ||
| Q3 25 | 87.2% | 19.4% | ||
| Q2 25 | 87.3% | 19.4% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 19.2% | ||
| Q3 24 | 87.3% | 20.3% | ||
| Q2 24 | 86.9% | 19.2% | ||
| Q1 24 | — | 19.2% |
营业利润率CHYMRXT
| Q4 25 | — | -0.5% | ||
| Q3 25 | -11.9% | -5.1% | ||
| Q2 25 | -176.2% | -3.8% | ||
| Q1 25 | — | -5.8% | ||
| Q4 24 | — | -4.2% | ||
| Q3 24 | -7.3% | -25.7% | ||
| Q2 24 | -2.5% | -7.9% | ||
| Q1 24 | — | -94.5% |
净利率CHYMRXT
| Q4 25 | — | -4.8% | ||
| Q3 25 | -10.1% | -10.0% | ||
| Q2 25 | -174.8% | -8.2% | ||
| Q1 25 | — | -10.7% | ||
| Q4 24 | — | -8.2% | ||
| Q3 24 | -5.2% | -27.6% | ||
| Q2 24 | 0.1% | 3.7% | ||
| Q1 24 | — | -92.7% |
每股收益（稀释后）CHYMRXT
| Q4 25 | — | $-0.13 | ||
| Q3 25 | $-0.15 | $-0.28 | ||
| Q2 25 | $-7.29 | $-0.23 | ||
| Q1 25 | — | $-0.31 | ||
| Q4 24 | — | $-0.20 | ||
| Q3 24 | $-0.34 | $-0.82 | ||
| Q2 24 | $0.00 | $0.11 | ||
| Q1 24 | — | $-2.91 |
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 | $105.8M |
| 总债务越低越好 | — | $2.7B |
| 股东权益账面价值 | $1.4B | $-1.2B |
| 总资产 | $2.0B | $2.8B |
| 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CHYMRXT
| Q4 25 | — | $105.8M | ||
| Q3 25 | $445.0M | $99.5M | ||
| Q2 25 | $868.3M | $103.9M | ||
| Q1 25 | — | $128.0M | ||
| Q4 24 | — | $144.0M | ||
| Q3 24 | $270.8M | $157.1M | ||
| Q2 24 | $295.4M | $190.2M | ||
| Q1 24 | — | $282.6M |
总债务CHYMRXT
| Q4 25 | — | $2.7B | ||
| Q3 25 | — | $2.8B | ||
| Q2 25 | — | $2.8B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | — | $2.8B | ||
| Q3 24 | — | $2.8B | ||
| Q2 24 | — | $2.9B | ||
| Q1 24 | — | $3.0B |
股东权益CHYMRXT
| Q4 25 | — | $-1.2B | ||
| Q3 25 | $1.4B | $-1.2B | ||
| Q2 25 | $1.4B | $-1.1B | ||
| Q1 25 | — | $-1.1B | ||
| Q4 24 | — | $-1.0B | ||
| Q3 24 | $-1.9B | $-949.7M | ||
| Q2 24 | $-1.9B | $-756.2M | ||
| Q1 24 | — | $-787.2M |
总资产CHYMRXT
| Q4 25 | — | $2.8B | ||
| Q3 25 | $2.0B | $2.8B | ||
| Q2 25 | $1.9B | $2.9B | ||
| Q1 25 | — | $3.0B | ||
| Q4 24 | — | $3.1B | ||
| Q3 24 | — | $3.1B | ||
| Q2 24 | — | $3.4B | ||
| Q1 24 | — | $3.5B |
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 | $59.7M |
| 自由现金流经营现金流 - 资本支出 | $15.4M | $56.0M |
| 自由现金流率自由现金流/营收 | 2.8% | 8.2% |
| 资本支出强度资本支出/营收 | 0.4% | 0.5% |
| 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 | — | $90.6M |
8季度趋势，按日历期对齐
经营现金流CHYMRXT
| Q4 25 | — | $59.7M | ||
| Q3 25 | $17.5M | $70.7M | ||
| Q2 25 | $2.7M | $8.4M | ||
| Q1 25 | — | $12.6M | ||
| Q4 24 | — | $54.3M | ||
| Q3 24 | — | $51.8M | ||
| Q2 24 | — | $24.1M | ||
| Q1 24 | — | $-90.3M |
自由现金流CHYMRXT
| Q4 25 | — | $56.0M | ||
| Q3 25 | $15.4M | $42.7M | ||
| Q2 25 | $-888.0K | $-12.4M | ||
| Q1 25 | — | $4.3M | ||
| Q4 24 | — | $34.4M | ||
| Q3 24 | — | $27.3M | ||
| Q2 24 | — | $-14.5M | ||
| Q1 24 | — | $-118.4M |
自由现金流率CHYMRXT
| Q4 25 | — | 8.2% | ||
| Q3 25 | 2.8% | 6.4% | ||
| Q2 25 | -0.2% | -1.9% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | -2.1% | ||
| Q1 24 | — | -17.1% |
资本支出强度CHYMRXT
| Q4 25 | — | 0.5% | ||
| Q3 25 | 0.4% | 4.2% | ||
| Q2 25 | 0.7% | 3.1% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 3.6% | ||
| Q2 24 | — | 5.6% | ||
| Q1 24 | — | 4.1% |
现金转化率CHYMRXT
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.96× | ||
| 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% |
RXT
| Public Cloud Services Segment | $442.2M | 65% |
| Private Cloud Service Segment | $240.6M | 35% |
