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合众银行（CUBI）与LifeStance Health Group, Inc.（LFST）财务数据对比。点击上方公司名可切换其他公司
LifeStance Health Group, Inc.的季度营收约是合众银行的1.6倍（$382.2M vs $236.9M），合众银行同比增速更快（21.8% vs 17.4%），合众银行自由现金流更多（$481.0M vs $46.6M），过去两年合众银行的营收复合增速更高（14.2% vs 12.8%）
合众银行是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，2025年位列美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性。旗下核心运营主体为美国合众银行全国协会，提供银行、投资、按揭等多元金融服务。
LifeStance Health Group是美国的门诊行为健康服务提供商，支持线下面诊与远程诊疗两种服务模式，业务涵盖心理咨询、精神科诊疗、经颅磁刺激（TMS）以及氯胺酮治疗等。该公司曾多次因劳动违规、客户信息泄露及误导投资者相关问题遭遇诉讼。
CUBI vs LFST — 直观对比
营收规模更大
LFST
是对方的1.6倍
$236.9M
营收增速更快
CUBI
高出4.4%
17.4%
自由现金流更多
CUBI
多$434.4M
$46.6M
两年增速更快
CUBI
近两年复合增速
12.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $236.9M | $382.2M |
| 净利润 | — | $11.7M |
| 毛利率 | — | — |
| 营业利润率 | 41.1% | 4.7% |
| 净利率 | — | 3.1% |
| 营收同比 | 21.8% | 17.4% |
| 净利润同比 | — | 264.1% |
| 每股收益（稀释后） | $2.04 | — |
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CUBILFST
| Q4 25 | $236.9M | $382.2M | ||
| Q3 25 | $232.1M | $363.8M | ||
| Q2 25 | $206.3M | $345.3M | ||
| Q1 25 | $143.0M | $333.0M | ||
| Q4 24 | $167.8M | $325.5M | ||
| Q3 24 | $167.1M | $312.7M | ||
| Q2 24 | $198.7M | $312.3M | ||
| Q1 24 | $181.6M | $300.4M |
净利润CUBILFST
| Q4 25 | — | $11.7M | ||
| Q3 25 | $75.7M | $1.1M | ||
| Q2 25 | $60.9M | $-3.8M | ||
| Q1 25 | $12.9M | $709.0K | ||
| Q4 24 | — | $-7.1M | ||
| Q3 24 | $46.7M | $-6.0M | ||
| Q2 24 | $58.1M | $-23.3M | ||
| Q1 24 | $49.7M | $-21.1M |
营业利润率CUBILFST
| Q4 25 | 41.1% | 4.7% | ||
| Q3 25 | 43.2% | 2.0% | ||
| Q2 25 | 38.2% | -0.9% | ||
| Q1 25 | 8.3% | 0.5% | ||
| Q4 24 | 21.4% | 0.3% | ||
| Q3 24 | 27.5% | 0.0% | ||
| Q2 24 | 38.8% | -5.1% | ||
| Q1 24 | 36.0% | -5.6% |
净利率CUBILFST
| Q4 25 | — | 3.1% | ||
| Q3 25 | 32.6% | 0.3% | ||
| Q2 25 | 29.5% | -1.1% | ||
| Q1 25 | 9.0% | 0.2% | ||
| Q4 24 | — | -2.2% | ||
| Q3 24 | 28.0% | -1.9% | ||
| Q2 24 | 29.2% | -7.5% | ||
| Q1 24 | 27.4% | -7.0% |
每股收益（稀释后）CUBILFST
| Q4 25 | $2.04 | — | ||
| Q3 25 | $2.20 | — | ||
| Q2 25 | $1.73 | — | ||
| Q1 25 | $0.29 | — | ||
| Q4 24 | $0.72 | — | ||
| Q3 24 | $1.31 | — | ||
| Q2 24 | $1.66 | — | ||
| Q1 24 | $1.40 | — |
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 | $4.4B | $248.6M |
| 总债务越低越好 | — | $282.8M |
| 股东权益账面价值 | $2.1B | $1.5B |
| 总资产 | $24.9B | $2.2B |
| 负债/权益比越低杠杆越低 | — | 0.19× |
8季度趋势，按日历期对齐
现金及短期投资CUBILFST
| Q4 25 | $4.4B | $248.6M | ||
| Q3 25 | $4.2B | $203.9M | ||
| Q2 25 | $3.5B | $188.9M | ||
| Q1 25 | $3.4B | $134.3M | ||
| Q4 24 | $3.8B | $154.6M | ||
| Q3 24 | $3.1B | $102.6M | ||
| Q2 24 | $3.0B | $87.0M | ||
| Q1 24 | $3.7B | $49.5M |
总债务CUBILFST
| Q4 25 | — | $282.8M | ||
| Q3 25 | — | $284.6M | ||
| Q2 25 | — | $286.4M | ||
| Q1 25 | — | $288.2M | ||
| Q4 24 | — | $290.0M | ||
| Q3 24 | — | $287.3M | ||
| Q2 24 | — | $288.0M | ||
| Q1 24 | — | $288.8M |
股东权益CUBILFST
| Q4 25 | $2.1B | $1.5B | ||
| Q3 25 | $2.1B | $1.5B | ||
| Q2 25 | $1.9B | $1.5B | ||
| Q1 25 | $1.9B | $1.5B | ||
| Q4 24 | $1.8B | $1.4B | ||
| Q3 24 | $1.8B | $1.4B | ||
| Q2 24 | $1.7B | $1.4B | ||
| Q1 24 | $1.7B | $1.4B |
总资产CUBILFST
| Q4 25 | $24.9B | $2.2B | ||
| Q3 25 | $24.3B | $2.1B | ||
| Q2 25 | $22.6B | $2.1B | ||
| Q1 25 | $22.4B | $2.1B | ||
| Q4 24 | $22.3B | $2.1B | ||
| Q3 24 | $21.5B | $2.1B | ||
| Q2 24 | $20.9B | $2.1B | ||
| Q1 24 | $21.3B | $2.1B |
负债/权益比CUBILFST
| Q4 25 | — | 0.19× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.20× | ||
| Q4 24 | — | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.20× | ||
| Q1 24 | — | 0.20× |
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 | $494.8M | $57.6M |
| 自由现金流经营现金流 - 资本支出 | $481.0M | $46.6M |
| 自由现金流率自由现金流/营收 | 203.0% | 12.2% |
| 资本支出强度资本支出/营收 | 5.8% | 2.9% |
| 现金转化率经营现金流/净利润 | — | 4.93× |
| 过去12个月自由现金流最近4个季度 | $843.0M | $110.0M |
8季度趋势，按日历期对齐
经营现金流CUBILFST
| Q4 25 | $494.8M | $57.6M | ||
| Q3 25 | $116.9M | $27.3M | ||
| Q2 25 | $162.2M | $64.4M | ||
| Q1 25 | $94.1M | $-3.1M | ||
| Q4 24 | $145.1M | $62.3M | ||
| Q3 24 | $24.4M | $22.7M | ||
| Q2 24 | $6.1M | $44.1M | ||
| Q1 24 | $-18.8M | $-21.8M |
自由现金流CUBILFST
| Q4 25 | $481.0M | $46.6M | ||
| Q3 25 | $106.4M | $17.0M | ||
| Q2 25 | $162.1M | $56.6M | ||
| Q1 25 | $93.4M | $-10.3M | ||
| Q4 24 | $143.6M | $56.0M | ||
| Q3 24 | $24.1M | $17.7M | ||
| Q2 24 | $5.8M | $39.0M | ||
| Q1 24 | $-19.2M | $-26.9M |
自由现金流率CUBILFST
| Q4 25 | 203.0% | 12.2% | ||
| Q3 25 | 45.9% | 4.7% | ||
| Q2 25 | 78.6% | 16.4% | ||
| Q1 25 | 65.4% | -3.1% | ||
| Q4 24 | 85.5% | 17.2% | ||
| Q3 24 | 14.4% | 5.7% | ||
| Q2 24 | 2.9% | 12.5% | ||
| Q1 24 | -10.6% | -9.0% |
资本支出强度CUBILFST
| Q4 25 | 5.8% | 2.9% | ||
| Q3 25 | 4.5% | 2.8% | ||
| Q2 25 | 0.0% | 2.2% | ||
| Q1 25 | 0.5% | 2.2% | ||
| Q4 24 | 0.9% | 1.9% | ||
| Q3 24 | 0.2% | 1.6% | ||
| Q2 24 | 0.2% | 1.6% | ||
| Q1 24 | 0.2% | 1.7% |
现金转化率CUBILFST
| Q4 25 | — | 4.93× | ||
| Q3 25 | 1.54× | 25.34× | ||
| Q2 25 | 2.66× | — | ||
| Q1 25 | 7.29× | -4.36× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.52× | — | ||
| Q2 24 | 0.10× | — | ||
| Q1 24 | -0.38× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
