vs
Chime Financial, Inc.（CHYM）与UNIVERSAL CORP（UVV）财务数据对比。点击上方公司名可切换其他公司
UNIVERSAL CORP的季度营收约是Chime Financial, Inc.的1.6倍（$853.2M vs $543.5M），UNIVERSAL CORP净利率更高（3.9% vs -10.1%，领先14.0%），Chime Financial, Inc.同比增速更快（28.8% vs -8.1%），UNIVERSAL CORP自由现金流更多（$95.1M 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。
环球技术学院（UTI）是美国一家营利性私立技术院校体系，由罗伯特·斯威特于1965年创立，专注于为全美各地学生提供专业职业技术教育培训。
CHYM vs UVV — 直观对比
营收规模更大
UVV
是对方的1.6倍
$543.5M
营收增速更快
CHYM
高出36.9%
-8.1%
净利率更高
UVV
高出14.0%
-10.1%
自由现金流更多
UVV
多$79.7M
$15.4M
损益表 — Q3 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $853.2M |
| 净利润 | $-54.7M | $33.2M |
| 毛利率 | 87.2% | 17.8% |
| 营业利润率 | -11.9% | 9.6% |
| 净利率 | -10.1% | 3.9% |
| 营收同比 | 28.8% | -8.1% |
| 净利润同比 | -148.4% | -44.2% |
| 每股收益（稀释后） | $-0.15 | $1.32 |
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CHYMUVV
| Q4 25 | — | $853.2M | ||
| Q3 25 | $543.5M | $749.4M | ||
| Q2 25 | $528.1M | $592.6M | ||
| Q1 25 | — | $690.2M | ||
| Q4 24 | — | $928.0M | ||
| Q3 24 | $421.9M | $708.4M | ||
| Q2 24 | $384.2M | $596.4M | ||
| Q1 24 | — | $756.3M |
净利润CHYMUVV
| Q4 25 | — | $33.2M | ||
| Q3 25 | $-54.7M | $34.2M | ||
| Q2 25 | $-923.4M | $8.5M | ||
| Q1 25 | — | $9.3M | ||
| Q4 24 | — | $59.6M | ||
| Q3 24 | $-22.0M | $25.9M | ||
| Q2 24 | $385.0K | $130.0K | ||
| Q1 24 | — | $40.3M |
毛利率CHYMUVV
| Q4 25 | — | 17.8% | ||
| Q3 25 | 87.2% | 18.0% | ||
| Q2 25 | 87.3% | 19.1% | ||
| Q1 25 | — | 15.1% | ||
| Q4 24 | — | 19.9% | ||
| Q3 24 | 87.3% | 19.9% | ||
| Q2 24 | 86.9% | 16.0% | ||
| Q1 24 | — | 18.0% |
营业利润率CHYMUVV
| Q4 25 | — | 9.6% | ||
| Q3 25 | -11.9% | 9.0% | ||
| Q2 25 | -176.2% | 5.7% | ||
| Q1 25 | — | 6.2% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | -7.3% | 9.7% | ||
| Q2 24 | -2.5% | 2.9% | ||
| Q1 24 | — | 9.0% |
净利率CHYMUVV
| Q4 25 | — | 3.9% | ||
| Q3 25 | -10.1% | 4.6% | ||
| Q2 25 | -174.8% | 1.4% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | -5.2% | 3.7% | ||
| Q2 24 | 0.1% | 0.0% | ||
| Q1 24 | — | 5.3% |
每股收益（稀释后）CHYMUVV
| Q4 25 | — | $1.32 | ||
| Q3 25 | $-0.15 | $1.36 | ||
| Q2 25 | $-7.29 | $0.34 | ||
| Q1 25 | — | $0.37 | ||
| Q4 24 | — | $2.37 | ||
| Q3 24 | $-0.34 | $1.03 | ||
| Q2 24 | $0.00 | $0.01 | ||
| Q1 24 | — | $1.62 |
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 | $85.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $1.5B |
| 总资产 | $2.0B | $3.0B |
| 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CHYMUVV
| Q4 25 | — | $85.2M | ||
| Q3 25 | $445.0M | $88.7M | ||
| Q2 25 | $868.3M | $178.4M | ||
| Q1 25 | — | $260.1M | ||
| Q4 24 | — | $215.1M | ||
| Q3 24 | $270.8M | $80.1M | ||
| Q2 24 | $295.4M | $101.7M | ||
| Q1 24 | — | $55.6M |
股东权益CHYMUVV
| Q4 25 | — | $1.5B | ||
| Q3 25 | $1.4B | $1.5B | ||
| Q2 25 | $1.4B | $1.5B | ||
| Q1 25 | — | $1.5B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | $-1.9B | $1.4B | ||
| Q2 24 | $-1.9B | $1.4B | ||
| Q1 24 | — | $1.4B |
总资产CHYMUVV
| Q4 25 | — | $3.0B | ||
| Q3 25 | $2.0B | $3.1B | ||
| Q2 25 | $1.9B | $3.2B | ||
| Q1 25 | — | $3.0B | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | — | $3.0B | ||
| Q2 24 | — | $3.0B | ||
| Q1 24 | — | $2.9B |
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 | $114.3M |
| 自由现金流经营现金流 - 资本支出 | $15.4M | $95.1M |
| 自由现金流率自由现金流/营收 | 2.8% | 11.1% |
| 资本支出强度资本支出/营收 | 0.4% | 2.3% |
| 现金转化率经营现金流/净利润 | — | 3.44× |
| 过去12个月自由现金流最近4个季度 | — | $52.7M |
8季度趋势，按日历期对齐
经营现金流CHYMUVV
| Q4 25 | — | $114.3M | ||
| Q3 25 | $17.5M | $32.7M | ||
| Q2 25 | $2.7M | $-205.1M | ||
| Q1 25 | — | $158.7M | ||
| Q4 24 | — | $215.6M | ||
| Q3 24 | — | $15.0M | ||
| Q2 24 | — | $-62.4M | ||
| Q1 24 | — | $-27.9M |
自由现金流CHYMUVV
| Q4 25 | — | $95.1M | ||
| Q3 25 | $15.4M | $23.7M | ||
| Q2 25 | $-888.0K | $-217.2M | ||
| Q1 25 | — | $151.0M | ||
| Q4 24 | — | $199.6M | ||
| Q3 24 | — | $-1.0M | ||
| Q2 24 | — | $-85.2M | ||
| Q1 24 | — | $-46.2M |
自由现金流率CHYMUVV
| Q4 25 | — | 11.1% | ||
| Q3 25 | 2.8% | 3.2% | ||
| Q2 25 | -0.2% | -36.6% | ||
| Q1 25 | — | 21.9% | ||
| Q4 24 | — | 21.5% | ||
| Q3 24 | — | -0.1% | ||
| Q2 24 | — | -14.3% | ||
| Q1 24 | — | -6.1% |
资本支出强度CHYMUVV
| Q4 25 | — | 2.3% | ||
| Q3 25 | 0.4% | 1.2% | ||
| Q2 25 | 0.7% | 2.0% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 3.8% | ||
| Q1 24 | — | 2.4% |
现金转化率CHYMUVV
| Q4 25 | — | 3.44× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | — | -24.14× | ||
| Q1 25 | — | 17.00× | ||
| Q4 24 | — | 3.62× | ||
| Q3 24 | — | 0.58× | ||
| Q2 24 | — | -480.34× | ||
| Q1 24 | — | -0.69× |
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% |
UVV
| Tobacco Operations | $779.9M | 91% |
| Service Other | $36.7M | 4% |
| Other | $17.8M | 2% |
