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第一资本（COF）与维萨（V）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维萨的1.4倍（$15.2B vs $11.2B），维萨净利率更高（53.4% vs 14.3%，领先39.2%），维萨同比增速更快（17.0% vs -2.3%），过去两年第一资本的营收复合增速更高（26.6% vs 12.3%）
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。
维萨（Visa Inc.）是总部位于美国加利福尼亚州旧金山的跨国支付卡服务企业，业务覆盖全球电子资金转账领域，旗下拥有Visa品牌的信用卡、借记卡、预付卡等多条产品线，为全球消费者及商户提供安全便捷的电子支付解决方案。
COF vs V — 直观对比
营收规模更大
COF
是对方的1.4倍
$11.2B
营收增速更快
V
高出19.3%
-2.3%
净利率更高
V
高出39.2%
14.3%
两年增速更快
COF
近两年复合增速
12.3%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $15.2B | $11.2B |
| 净利润 | $2.2B | $6.0B |
| 毛利率 | — | — |
| 营业利润率 | — | 64.4% |
| 净利率 | 14.3% | 53.4% |
| 营收同比 | -2.3% | 17.0% |
| 净利润同比 | 1.9% | 32.0% |
| 每股收益（稀释后） | $3.34 | — |
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COFV
| Q2 26 | — | $11.2B | ||
| Q1 26 | $15.2B | — | ||
| Q4 25 | $15.6B | $10.9B | ||
| Q3 25 | $15.4B | $10.7B | ||
| Q2 25 | $12.5B | $10.2B | ||
| Q1 25 | $10.0B | $9.6B | ||
| Q4 24 | $10.2B | $9.5B | ||
| Q3 24 | $10.0B | $9.6B |
净利润COFV
| Q2 26 | — | $6.0B | ||
| Q1 26 | $2.2B | — | ||
| Q4 25 | $2.1B | $5.9B | ||
| Q3 25 | $3.2B | $5.1B | ||
| Q2 25 | $-4.3B | $5.3B | ||
| Q1 25 | $1.4B | $4.6B | ||
| Q4 24 | $1.1B | $5.1B | ||
| Q3 24 | $1.8B | $5.3B |
营业利润率COFV
| Q2 26 | — | 64.4% | ||
| Q1 26 | — | — | ||
| Q4 25 | 85.8% | 61.8% | ||
| Q3 25 | 28.5% | 57.3% | ||
| Q2 25 | -47.5% | 60.7% | ||
| Q1 25 | 17.3% | 56.6% | ||
| Q4 24 | 14.3% | 65.6% | ||
| Q3 24 | 22.1% | 66.0% |
净利率COFV
| Q2 26 | — | 53.4% | ||
| Q1 26 | 14.3% | — | ||
| Q4 25 | 87.2% | 53.7% | ||
| Q3 25 | 20.8% | 47.5% | ||
| Q2 25 | -34.2% | 51.8% | ||
| Q1 25 | 14.0% | 47.7% | ||
| Q4 24 | 10.8% | 53.8% | ||
| Q3 24 | 17.7% | 55.3% |
每股收益（稀释后）COFV
| Q2 26 | — | — | ||
| Q1 26 | $3.34 | — | ||
| Q4 25 | $4.33 | — | ||
| Q3 25 | $4.83 | — | ||
| Q2 25 | $-8.58 | — | ||
| Q1 25 | $3.45 | — | ||
| Q4 24 | $2.67 | — | ||
| Q3 24 | $4.41 | — |
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 | — | $12.4B |
| 总债务越低越好 | — | $22.4B |
| 股东权益账面价值 | $112.3B | $35.7B |
| 总资产 | $682.9B | $95.0B |
| 负债/权益比越低杠杆越低 | — | 0.63× |
8季度趋势，按日历期对齐
现金及短期投资COFV
| Q2 26 | — | $12.4B | ||
| Q1 26 | — | — | ||
| Q4 25 | — | $14.8B | ||
| Q3 25 | — | $17.2B | ||
| Q2 25 | — | $17.1B | ||
| Q1 25 | — | $11.7B | ||
| Q4 24 | — | $12.4B | ||
| Q3 24 | — | $12.0B |
总债务COFV
| Q2 26 | — | $22.4B | ||
| Q1 26 | — | — | ||
| Q4 25 | $49.9B | — | ||
| Q3 25 | $50.9B | — | ||
| Q2 25 | $51.9B | — | ||
| Q1 25 | $41.2B | — | ||
| Q4 24 | $45.0B | — | ||
| Q3 24 | $48.8B | — |
股东权益COFV
| Q2 26 | — | $35.7B | ||
| Q1 26 | $112.3B | — | ||
| Q4 25 | $113.6B | $38.8B | ||
| Q3 25 | $113.8B | $37.9B | ||
| Q2 25 | $111.0B | $38.7B | ||
| Q1 25 | $63.5B | $38.0B | ||
| Q4 24 | $60.8B | $38.3B | ||
| Q3 24 | $62.9B | $39.1B |
总资产COFV
| Q2 26 | — | $95.0B | ||
| Q1 26 | $682.9B | — | ||
| Q4 25 | $669.0B | $96.8B | ||
| Q3 25 | $661.9B | $99.6B | ||
| Q2 25 | $659.0B | $100.0B | ||
| Q1 25 | $493.6B | $92.9B | ||
| Q4 24 | $490.1B | $91.9B | ||
| Q3 24 | $486.4B | $94.5B |
负债/权益比COFV
| Q2 26 | — | 0.63× | ||
| Q1 26 | — | — | ||
| Q4 25 | 0.44× | — | ||
| Q3 25 | 0.45× | — | ||
| Q2 25 | 0.47× | — | ||
| Q1 25 | 0.65× | — | ||
| Q4 24 | 0.74× | — | ||
| Q3 24 | 0.78× | — |
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
COF
暂无分部数据
V
| Data processing revenue | $5.5B | 49% |
| International transaction revenue | $3.6B | 32% |
| Other revenue | $1.3B | 12% |
| Other | $736.0M | 7% |
