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合众银行（CUBI）与Revolve Group, Inc.（RVLV）财务数据对比。点击上方公司名可切换其他公司
Revolve Group, Inc.的季度营收约是合众银行的1.4倍（$324.4M vs $236.9M），合众银行同比增速更快（21.8% vs 10.4%），合众银行自由现金流更多（$481.0M vs $-13.3M），过去两年合众银行的营收复合增速更高（14.2% vs 9.5%）
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。
Revolve Theatre Company是总部位于英国泰晤士河畔亨利的剧团，专注于创作演出政治题材和莎士比亚系列戏剧作品，由奥利弗·登奇、乔·莫里斯与汤姆·史密斯共同创立运营。
CUBI vs RVLV — 直观对比
营收规模更大
RVLV
是对方的1.4倍
$236.9M
营收增速更快
CUBI
高出11.4%
10.4%
自由现金流更多
CUBI
多$494.3M
$-13.3M
两年增速更快
CUBI
近两年复合增速
9.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $236.9M | $324.4M |
| 净利润 | — | $18.6M |
| 毛利率 | — | 53.3% |
| 营业利润率 | 41.1% | 6.3% |
| 净利率 | — | 5.7% |
| 营收同比 | 21.8% | 10.4% |
| 净利润同比 | — | 50.4% |
| 每股收益（稀释后） | $2.04 | $0.27 |
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CUBIRVLV
| Q4 25 | $236.9M | $324.4M | ||
| Q3 25 | $232.1M | $295.6M | ||
| Q2 25 | $206.3M | $309.0M | ||
| Q1 25 | $143.0M | $296.7M | ||
| Q4 24 | $167.8M | $293.7M | ||
| Q3 24 | $167.1M | $283.1M | ||
| Q2 24 | $198.7M | $282.5M | ||
| Q1 24 | $181.6M | $270.6M |
净利润CUBIRVLV
| Q4 25 | — | $18.6M | ||
| Q3 25 | $75.7M | $21.2M | ||
| Q2 25 | $60.9M | $10.2M | ||
| Q1 25 | $12.9M | $11.8M | ||
| Q4 24 | — | $12.3M | ||
| Q3 24 | $46.7M | $11.0M | ||
| Q2 24 | $58.1M | $15.4M | ||
| Q1 24 | $49.7M | $10.9M |
毛利率CUBIRVLV
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 54.6% | ||
| Q2 25 | — | 54.1% | ||
| Q1 25 | — | 52.0% | ||
| Q4 24 | — | 52.5% | ||
| Q3 24 | — | 51.2% | ||
| Q2 24 | — | 54.0% | ||
| Q1 24 | — | 52.3% |
营业利润率CUBIRVLV
| Q4 25 | 41.1% | 6.3% | ||
| Q3 25 | 43.2% | 7.1% | ||
| Q2 25 | 38.2% | 5.8% | ||
| Q1 25 | 8.3% | 5.0% | ||
| Q4 24 | 21.4% | 3.9% | ||
| Q3 24 | 27.5% | 5.0% | ||
| Q2 24 | 38.8% | 5.8% | ||
| Q1 24 | 36.0% | 3.4% |
净利率CUBIRVLV
| Q4 25 | — | 5.7% | ||
| Q3 25 | 32.6% | 7.2% | ||
| Q2 25 | 29.5% | 3.3% | ||
| Q1 25 | 9.0% | 4.0% | ||
| Q4 24 | — | 4.2% | ||
| Q3 24 | 28.0% | 3.9% | ||
| Q2 24 | 29.2% | 5.4% | ||
| Q1 24 | 27.4% | 4.0% |
每股收益（稀释后）CUBIRVLV
| Q4 25 | $2.04 | $0.27 | ||
| Q3 25 | $2.20 | $0.29 | ||
| Q2 25 | $1.73 | $0.14 | ||
| Q1 25 | $0.29 | $0.16 | ||
| Q4 24 | $0.72 | $0.18 | ||
| Q3 24 | $1.31 | $0.15 | ||
| Q2 24 | $1.66 | $0.21 | ||
| Q1 24 | $1.40 | $0.15 |
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 | $292.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.1B | $512.5M |
| 总资产 | $24.9B | $765.0M |
| 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CUBIRVLV
| Q4 25 | $4.4B | $292.3M | ||
| Q3 25 | $4.2B | $315.4M | ||
| Q2 25 | $3.5B | $310.7M | ||
| Q1 25 | $3.4B | $300.8M | ||
| Q4 24 | $3.8B | $256.6M | ||
| Q3 24 | $3.1B | $252.8M | ||
| Q2 24 | $3.0B | $244.7M | ||
| Q1 24 | $3.7B | $273.4M |
股东权益CUBIRVLV
| Q4 25 | $2.1B | $512.5M | ||
| Q3 25 | $2.1B | $490.2M | ||
| Q2 25 | $1.9B | $468.6M | ||
| Q1 25 | $1.9B | $453.4M | ||
| Q4 24 | $1.8B | $437.8M | ||
| Q3 24 | $1.8B | $420.8M | ||
| Q2 24 | $1.7B | $405.8M | ||
| Q1 24 | $1.7B | $389.9M |
总资产CUBIRVLV
| Q4 25 | $24.9B | $765.0M | ||
| Q3 25 | $24.3B | $751.3M | ||
| Q2 25 | $22.6B | $722.9M | ||
| Q1 25 | $22.4B | $713.9M | ||
| Q4 24 | $22.3B | $665.5M | ||
| Q3 24 | $21.5B | $670.9M | ||
| Q2 24 | $20.9B | $657.8M | ||
| Q1 24 | $21.3B | $650.0M |
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 | $-10.2M |
| 自由现金流经营现金流 - 资本支出 | $481.0M | $-13.3M |
| 自由现金流率自由现金流/营收 | 203.0% | -4.1% |
| 资本支出强度资本支出/营收 | 5.8% | 1.0% |
| 现金转化率经营现金流/净利润 | — | -0.55× |
| 过去12个月自由现金流最近4个季度 | $843.0M | $48.0M |
8季度趋势，按日历期对齐
经营现金流CUBIRVLV
| Q4 25 | $494.8M | $-10.2M | ||
| Q3 25 | $116.9M | $11.8M | ||
| Q2 25 | $162.2M | $12.6M | ||
| Q1 25 | $94.1M | $45.1M | ||
| Q4 24 | $145.1M | $3.9M | ||
| Q3 24 | $24.4M | $9.1M | ||
| Q2 24 | $6.1M | $-24.7M | ||
| Q1 24 | $-18.8M | $38.4M |
自由现金流CUBIRVLV
| Q4 25 | $481.0M | $-13.3M | ||
| Q3 25 | $106.4M | $7.5M | ||
| Q2 25 | $162.1M | $10.4M | ||
| Q1 25 | $93.4M | $43.4M | ||
| Q4 24 | $143.6M | $2.1M | ||
| Q3 24 | $24.1M | $8.0M | ||
| Q2 24 | $5.8M | $-25.7M | ||
| Q1 24 | $-19.2M | $36.7M |
自由现金流率CUBIRVLV
| Q4 25 | 203.0% | -4.1% | ||
| Q3 25 | 45.9% | 2.5% | ||
| Q2 25 | 78.6% | 3.4% | ||
| Q1 25 | 65.4% | 14.6% | ||
| Q4 24 | 85.5% | 0.7% | ||
| Q3 24 | 14.4% | 2.8% | ||
| Q2 24 | 2.9% | -9.1% | ||
| Q1 24 | -10.6% | 13.5% |
资本支出强度CUBIRVLV
| Q4 25 | 5.8% | 1.0% | ||
| Q3 25 | 4.5% | 1.5% | ||
| Q2 25 | 0.0% | 0.7% | ||
| Q1 25 | 0.5% | 0.6% | ||
| Q4 24 | 0.9% | 0.6% | ||
| Q3 24 | 0.2% | 0.4% | ||
| Q2 24 | 0.2% | 0.4% | ||
| Q1 24 | 0.2% | 0.6% |
现金转化率CUBIRVLV
| Q4 25 | — | -0.55× | ||
| Q3 25 | 1.54× | 0.56× | ||
| Q2 25 | 2.66× | 1.24× | ||
| Q1 25 | 7.29× | 3.82× | ||
| Q4 24 | — | 0.32× | ||
| Q3 24 | 0.52× | 0.83× | ||
| Q2 24 | 0.10× | -1.60× | ||
| Q1 24 | -0.38× | 3.53× |
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
CUBI
暂无分部数据
RVLV
| Fashion Apparel | $155.1M | 48% |
| Dresses | $76.4M | 24% |
| Handbags Shoes And Accessories | $67.6M | 21% |
| Beauty | $20.3M | 6% |
| Manufactured Product Other | $5.0M | 2% |
| Breakage On Store Credit And Gift Cards | $900.0K | 0% |
