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COMERICA INC（CMA）与Dayforce（DAY）财务数据对比。点击上方公司名可切换其他公司
COMERICA INC的季度营收约是Dayforce的1.7倍（$838.0M vs $481.6M），COMERICA INC净利率更高（21.0% vs -40.9%，领先61.9%），Dayforce同比增速更快（9.5% vs 3.3%），过去两年COMERICA INC的营收复合增速更高（108.9% vs 9.8%）
Comerica公司是总部位于美国得克萨斯州达拉斯的金融服务企业，为美国大型金融控股公司之一。旗下Comerica银行为区域性商业银行，在得克萨斯、密歇根、加利福尼亚、佛罗里达、亚利桑那五州共设413家网点，在美国多座城市设有办公场所。
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
CMA vs DAY — 直观对比
营收规模更大
CMA
是对方的1.7倍
$481.6M
营收增速更快
DAY
高出6.1%
3.3%
净利率更高
CMA
高出61.9%
-40.9%
两年增速更快
CMA
近两年复合增速
9.8%
损益表 — Q3 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $838.0M | $481.6M |
| 净利润 | $176.0M | $-196.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.3% |
| 净利率 | 21.0% | -40.9% |
| 营收同比 | 3.3% | 9.5% |
| 净利润同比 | -4.3% | -9940.0% |
| 每股收益（稀释后） | $1.35 | $-1.23 |
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CMADAY
| Q3 25 | $838.0M | $481.6M | ||
| Q2 25 | $849.0M | $464.7M | ||
| Q1 25 | $829.0M | $481.8M | ||
| Q4 24 | $825.0M | $465.2M | ||
| Q3 24 | $811.0M | $440.0M | ||
| Q2 24 | $824.0M | $423.3M | ||
| Q1 24 | $784.0M | $431.5M | ||
| Q4 23 | $192.0M | $399.7M |
净利润CMADAY
| Q3 25 | $176.0M | $-196.8M | ||
| Q2 25 | $199.0M | $21.3M | ||
| Q1 25 | $172.0M | $14.9M | ||
| Q4 24 | $170.0M | $10.8M | ||
| Q3 24 | $184.0M | $2.0M | ||
| Q2 24 | $206.0M | $-1.8M | ||
| Q1 24 | $138.0M | $7.1M | ||
| Q4 23 | $33.0M | $45.6M |
毛利率CMADAY
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 47.0% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 44.1% | ||
| Q1 24 | — | 47.6% | ||
| Q4 23 | — | 42.5% |
营业利润率CMADAY
| Q3 25 | — | 6.3% | ||
| Q2 25 | — | 9.1% | ||
| Q1 25 | — | 6.4% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 4.7% | ||
| Q2 24 | — | 3.3% | ||
| Q1 24 | — | 9.4% | ||
| Q4 23 | — | 9.7% |
净利率CMADAY
| Q3 25 | 21.0% | -40.9% | ||
| Q2 25 | 23.4% | 4.6% | ||
| Q1 25 | 20.7% | 3.1% | ||
| Q4 24 | 20.6% | 2.3% | ||
| Q3 24 | 22.7% | 0.5% | ||
| Q2 24 | 25.0% | -0.4% | ||
| Q1 24 | 17.6% | 1.6% | ||
| Q4 23 | 17.2% | 11.4% |
每股收益（稀释后）CMADAY
| Q3 25 | $1.35 | $-1.23 | ||
| Q2 25 | $1.42 | $0.13 | ||
| Q1 25 | $1.25 | $0.09 | ||
| Q4 24 | $1.22 | $0.07 | ||
| Q3 24 | $1.33 | $0.01 | ||
| Q2 24 | $1.49 | $-0.01 | ||
| Q1 24 | $0.98 | $0.04 | ||
| Q4 23 | $0.20 | $0.29 |
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 | — | $627.6M |
| 总债务越低越好 | $5.4B | $631.1M |
| 股东权益账面价值 | $7.4B | $2.7B |
| 总资产 | $77.4B | $8.7B |
| 负债/权益比越低杠杆越低 | 0.73× | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资CMADAY
| Q3 25 | — | $627.6M | ||
| Q2 25 | — | $625.2M | ||
| Q1 25 | — | $557.3M | ||
| Q4 24 | — | $579.7M | ||
| Q3 24 | — | $494.1M | ||
| Q2 24 | — | $465.4M | ||
| Q1 24 | — | $392.5M | ||
| Q4 23 | — | $570.3M |
总债务CMADAY
| Q3 25 | $5.4B | $631.1M | ||
| Q2 25 | $5.8B | $631.8M | ||
| Q1 25 | $5.7B | $632.4M | ||
| Q4 24 | $6.7B | $1.2B | ||
| Q3 24 | $6.8B | $1.2B | ||
| Q2 24 | $7.1B | $1.2B | ||
| Q1 24 | $7.1B | $1.2B | ||
| Q4 23 | $6.2B | $1.2B |
股东权益CMADAY
| Q3 25 | $7.4B | $2.7B | ||
| Q2 25 | $6.9B | $2.7B | ||
| Q1 25 | $7.1B | $2.6B | ||
| Q4 24 | $6.5B | $2.5B | ||
| Q3 24 | $7.4B | $2.6B | ||
| Q2 24 | $6.2B | $2.5B | ||
| Q1 24 | $6.0B | $2.4B | ||
| Q4 23 | $6.4B | $2.4B |
总资产CMADAY
| Q3 25 | $77.4B | $8.7B | ||
| Q2 25 | $78.0B | $8.5B | ||
| Q1 25 | $77.6B | $9.5B | ||
| Q4 24 | $79.3B | $9.1B | ||
| Q3 24 | $79.7B | $8.1B | ||
| Q2 24 | $79.6B | $9.0B | ||
| Q1 24 | $79.4B | $10.8B | ||
| Q4 23 | $85.8B | $9.0B |
负债/权益比CMADAY
| Q3 25 | 0.73× | 0.23× | ||
| Q2 25 | 0.84× | 0.23× | ||
| Q1 25 | 0.81× | 0.24× | ||
| Q4 24 | 1.02× | 0.47× | ||
| Q3 24 | 0.92× | 0.47× | ||
| Q2 24 | 1.15× | 0.49× | ||
| Q1 24 | 1.18× | 0.50× | ||
| Q4 23 | 0.97× | 0.50× |
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 | $-270.0M | $31.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | -1.53× | — |
| 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CMADAY
| Q3 25 | $-270.0M | $31.2M | ||
| Q2 25 | $476.0M | $112.7M | ||
| Q1 25 | $273.0M | $49.6M | ||
| Q4 24 | $601.0M | $81.0M | ||
| Q3 24 | $1.0B | $91.8M | ||
| Q2 24 | $111.0M | $99.2M | ||
| Q1 24 | $-205.0M | $9.1M | ||
| Q4 23 | $1.1B | $89.9M |
现金转化率CMADAY
| Q3 25 | -1.53× | — | ||
| Q2 25 | 2.39× | 5.29× | ||
| Q1 25 | 1.59× | 3.33× | ||
| Q4 24 | 3.54× | 7.50× | ||
| Q3 24 | 5.70× | 45.90× | ||
| Q2 24 | 0.54× | — | ||
| Q1 24 | -1.49× | 1.28× | ||
| Q4 23 | 34.00× | 1.97× |
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
CMA
暂无分部数据
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
