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第一资本（COF）与RYDER SYSTEM INC（R）财务数据对比。点击上方公司名可切换其他公司
第一资本的季度营收约是RYDER SYSTEM INC的1.2倍（$15.2B vs $13.1B），第一资本净利率更高（14.3% vs 0.7%，领先13.6%），RYDER SYSTEM INC同比增速更快（1.0% vs -2.3%），过去两年RYDER SYSTEM INC的营收复合增速更高（102.9% vs 26.6%）
第一资本金融公司是1994年成立的美国银行控股企业，总部位于弗吉尼亚州泰森斯，业务主要集中在美国境内，核心服务涵盖信用卡、汽车贷款、银行服务、储蓄账户等。截至2025年6月30日，其总资产位列全美银行第六，Visa和万事达信用卡发卡量排全美第三，也是美国规模最大的汽车金融公司之一。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
COF vs R — 直观对比
营收规模更大
COF
是对方的1.2倍
$13.1B
营收增速更快
R
高出3.3%
-2.3%
净利率更高
COF
高出13.6%
0.7%
两年增速更快
R
近两年复合增速
26.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $15.2B | $13.1B |
| 净利润 | $2.2B | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 14.3% | 0.7% |
| 营收同比 | -2.3% | 1.0% |
| 净利润同比 | 1.9% | -5.1% |
| 每股收益（稀释后） | $3.34 | $2.34 |
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COFR
| Q1 26 | $15.2B | $13.1B | ||
| Q4 25 | $15.6B | $3.2B | ||
| Q3 25 | $15.4B | $3.2B | ||
| Q2 25 | $12.5B | $3.2B | ||
| Q1 25 | $10.0B | $3.1B | ||
| Q4 24 | $10.2B | $3.2B | ||
| Q3 24 | $10.0B | $3.2B | ||
| Q2 24 | $9.5B | $3.2B |
净利润COFR
| Q1 26 | $2.2B | $93.0M | ||
| Q4 25 | $2.1B | $132.0M | ||
| Q3 25 | $3.2B | $138.0M | ||
| Q2 25 | $-4.3B | $131.0M | ||
| Q1 25 | $1.4B | $98.0M | ||
| Q4 24 | $1.1B | $135.0M | ||
| Q3 24 | $1.8B | $142.0M | ||
| Q2 24 | $597.0M | $127.0M |
营业利润率COFR
| Q1 26 | — | — | ||
| Q4 25 | 85.8% | 5.6% | ||
| Q3 25 | 28.5% | 6.0% | ||
| Q2 25 | -47.5% | 5.8% | ||
| Q1 25 | 17.3% | 4.3% | ||
| Q4 24 | 14.3% | 5.7% | ||
| Q3 24 | 22.1% | 5.9% | ||
| Q2 24 | 6.8% | 5.6% |
净利率COFR
| Q1 26 | 14.3% | 0.7% | ||
| Q4 25 | 87.2% | 4.2% | ||
| Q3 25 | 20.8% | 4.4% | ||
| Q2 25 | -34.2% | 4.1% | ||
| Q1 25 | 14.0% | 3.1% | ||
| Q4 24 | 10.8% | 4.2% | ||
| Q3 24 | 17.7% | 4.5% | ||
| Q2 24 | 6.3% | 4.0% |
每股收益（稀释后）COFR
| Q1 26 | $3.34 | $2.34 | ||
| Q4 25 | $4.33 | $3.22 | ||
| Q3 25 | $4.83 | $3.32 | ||
| Q2 25 | $-8.58 | $3.13 | ||
| Q1 25 | $3.45 | $2.27 | ||
| Q4 24 | $2.67 | $3.09 | ||
| Q3 24 | $4.41 | $3.24 | ||
| Q2 24 | $1.38 | $2.84 |
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 | — | $182.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $112.3B | $2.9B |
| 总资产 | $682.9B | — |
| 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COFR
| Q1 26 | — | $182.0M | ||
| Q4 25 | — | $198.0M | ||
| Q3 25 | — | $189.0M | ||
| Q2 25 | — | $180.0M | ||
| Q1 25 | — | $151.0M | ||
| Q4 24 | — | $154.0M | ||
| Q3 24 | — | $162.0M | ||
| Q2 24 | — | $164.0M |
总债务COFR
| Q1 26 | — | — | ||
| Q4 25 | $49.9B | $6.8B | ||
| Q3 25 | $50.9B | $7.3B | ||
| Q2 25 | $51.9B | $7.0B | ||
| Q1 25 | $41.2B | $6.7B | ||
| Q4 24 | $45.0B | $6.7B | ||
| Q3 24 | $48.8B | $6.6B | ||
| Q2 24 | $47.2B | $6.5B |
股东权益COFR
| Q1 26 | $112.3B | $2.9B | ||
| Q4 25 | $113.6B | $3.1B | ||
| Q3 25 | $113.8B | $3.1B | ||
| Q2 25 | $111.0B | $3.1B | ||
| Q1 25 | $63.5B | $3.0B | ||
| Q4 24 | $60.8B | $3.1B | ||
| Q3 24 | $62.9B | $3.1B | ||
| Q2 24 | $58.0B | $3.1B |
总资产COFR
| Q1 26 | $682.9B | — | ||
| Q4 25 | $669.0B | $16.4B | ||
| Q3 25 | $661.9B | $16.5B | ||
| Q2 25 | $659.0B | $16.5B | ||
| Q1 25 | $493.6B | $16.4B | ||
| Q4 24 | $490.1B | $16.7B | ||
| Q3 24 | $486.4B | $16.5B | ||
| Q2 24 | $480.0B | $16.4B |
负债/权益比COFR
| Q1 26 | — | — | ||
| Q4 25 | 0.44× | 2.24× | ||
| Q3 25 | 0.45× | 2.35× | ||
| Q2 25 | 0.47× | 2.27× | ||
| Q1 25 | 0.65× | 2.21× | ||
| Q4 24 | 0.74× | 2.14× | ||
| Q3 24 | 0.78× | 2.17× | ||
| Q2 24 | 0.81× | 2.09× |
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 | — | $583.0M |
| 自由现金流经营现金流 - 资本支出 | — | $273.0M |
| 自由现金流率自由现金流/营收 | — | 2.1% |
| 资本支出强度资本支出/营收 | — | 3.3% |
| 现金转化率经营现金流/净利润 | — | 6.27× |
| 过去12个月自由现金流最近4个季度 | — | $595.0M |
8季度趋势，按日历期对齐
经营现金流COFR
| Q1 26 | — | $583.0M | ||
| Q4 25 | $27.7B | $749.0M | ||
| Q3 25 | $9.2B | $442.0M | ||
| Q2 25 | $6.1B | $752.0M | ||
| Q1 25 | $4.7B | $651.0M | ||
| Q4 24 | $18.2B | $558.0M | ||
| Q3 24 | $6.5B | $629.0M | ||
| Q2 24 | $6.2B | $552.0M |
自由现金流COFR
| Q1 26 | — | $273.0M | ||
| Q4 25 | $26.1B | $344.0M | ||
| Q3 25 | $8.8B | $-85.0M | ||
| Q2 25 | $5.7B | $63.0M | ||
| Q1 25 | $4.3B | $137.0M | ||
| Q4 24 | $17.0B | $-201.0M | ||
| Q3 24 | $6.1B | $30.0M | ||
| Q2 24 | $6.0B | $-87.0M |
自由现金流率COFR
| Q1 26 | — | 2.1% | ||
| Q4 25 | 167.7% | 10.8% | ||
| Q3 25 | 57.1% | -2.7% | ||
| Q2 25 | 45.4% | 2.0% | ||
| Q1 25 | 43.2% | 4.4% | ||
| Q4 24 | 166.4% | -6.3% | ||
| Q3 24 | 61.4% | 0.9% | ||
| Q2 24 | 62.6% | -2.7% |
资本支出强度COFR
| Q1 26 | — | 3.3% | ||
| Q4 25 | 10.1% | 12.8% | ||
| Q3 25 | 2.5% | 16.6% | ||
| Q2 25 | 3.2% | 21.6% | ||
| Q1 25 | 3.5% | 16.4% | ||
| Q4 24 | 11.8% | 23.8% | ||
| Q3 24 | 3.1% | 18.9% | ||
| Q2 24 | 3.0% | 20.1% |
现金转化率COFR
| Q1 26 | — | 6.27× | ||
| Q4 25 | 12.99× | 5.67× | ||
| Q3 25 | 2.87× | 3.20× | ||
| Q2 25 | — | 5.74× | ||
| Q1 25 | 3.32× | 6.64× | ||
| Q4 24 | 16.57× | 4.13× | ||
| Q3 24 | 3.63× | 4.43× | ||
| Q2 24 | 10.46× | 4.35× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
