vs
Dayforce（DAY）与FIRST FINANCIAL BANCORP（FFBC）财务数据对比。点击上方公司名可切换其他公司
Dayforce的季度营收约是FIRST FINANCIAL BANCORP的1.8倍（$481.6M vs $271.5M），FIRST FINANCIAL BANCORP净利率更高（27.4% vs -40.9%，领先68.3%），过去两年FIRST FINANCIAL BANCORP的营收复合增速更高（12.4% vs 9.8%）
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。
第一金融银行集团是总部位于美国俄亥俄州辛辛那提的区域性银行，运营中心设于辛辛那提北郊斯普林代尔及印第安纳州格林斯堡。该行成立于1863年，拥有美国第六悠久的国家银行牌照，在俄亥俄、印第安纳、肯塔基、伊利诺伊四州共设有131个营业网点，2009年9月曾在政府协助下收购欧文金融公司及其子公司。
DAY vs FFBC — 直观对比
营收规模更大
DAY
是对方的1.8倍
$271.5M
净利率更高
FFBC
高出68.3%
-40.9%
两年增速更快
FFBC
近两年复合增速
9.8%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $271.5M |
| 净利润 | $-196.8M | $74.4M |
| 毛利率 | — | — |
| 营业利润率 | 6.3% | — |
| 净利率 | -40.9% | 27.4% |
| 营收同比 | 9.5% | — |
| 净利润同比 | -9940.0% | — |
| 每股收益（稀释后） | $-1.23 | $0.71 |
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DAYFFBC
| Q1 26 | — | $271.5M | ||
| Q4 25 | — | $238.8M | ||
| Q3 25 | $481.6M | $234.0M | ||
| Q2 25 | $464.7M | $226.3M | ||
| Q1 25 | $481.8M | $200.4M | ||
| Q4 24 | $465.2M | $224.3M | ||
| Q3 24 | $440.0M | $201.3M | ||
| Q2 24 | $423.3M | $214.8M |
净利润DAYFFBC
| Q1 26 | — | $74.4M | ||
| Q4 25 | — | — | ||
| Q3 25 | $-196.8M | $71.9M | ||
| Q2 25 | $21.3M | $70.0M | ||
| Q1 25 | $14.9M | $51.3M | ||
| Q4 24 | $10.8M | — | ||
| Q3 24 | $2.0M | $52.5M | ||
| Q2 24 | $-1.8M | $60.8M |
毛利率DAYFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 47.0% | — | ||
| Q3 24 | 45.8% | — | ||
| Q2 24 | 44.1% | — |
营业利润率DAYFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 6.3% | 38.7% | ||
| Q2 25 | 9.1% | 38.8% | ||
| Q1 25 | 6.4% | 31.7% | ||
| Q4 24 | 6.1% | — | ||
| Q3 24 | 4.7% | 32.2% | ||
| Q2 24 | 3.3% | 34.8% |
净利率DAYFFBC
| Q1 26 | — | 27.4% | ||
| Q4 25 | — | — | ||
| Q3 25 | -40.9% | 30.7% | ||
| Q2 25 | 4.6% | 30.9% | ||
| Q1 25 | 3.1% | 25.6% | ||
| Q4 24 | 2.3% | — | ||
| Q3 24 | 0.5% | 26.1% | ||
| Q2 24 | -0.4% | 28.3% |
每股收益（稀释后）DAYFFBC
| Q1 26 | — | $0.71 | ||
| Q4 25 | — | $0.64 | ||
| Q3 25 | $-1.23 | $0.75 | ||
| Q2 25 | $0.13 | $0.73 | ||
| Q1 25 | $0.09 | $0.54 | ||
| Q4 24 | $0.07 | $0.68 | ||
| Q3 24 | $0.01 | $0.55 | ||
| Q2 24 | $-0.01 | $0.64 |
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 | $631.1M | $13.1M |
| 股东权益账面价值 | $2.7B | $2.9B |
| 总资产 | $8.7B | $22.5B |
| 负债/权益比越低杠杆越低 | 0.23× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资DAYFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $627.6M | — | ||
| Q2 25 | $625.2M | — | ||
| Q1 25 | $557.3M | — | ||
| Q4 24 | $579.7M | — | ||
| Q3 24 | $494.1M | — | ||
| Q2 24 | $465.4M | — |
总债务DAYFFBC
| Q1 26 | — | $13.1M | ||
| Q4 25 | — | $514.1M | ||
| Q3 25 | $631.1M | $221.8M | ||
| Q2 25 | $631.8M | $345.0M | ||
| Q1 25 | $632.4M | $345.9M | ||
| Q4 24 | $1.2B | $347.5M | ||
| Q3 24 | $1.2B | $344.1M | ||
| Q2 24 | $1.2B | $338.6M |
股东权益DAYFFBC
| Q1 26 | — | $2.9B | ||
| Q4 25 | — | $2.8B | ||
| Q3 25 | $2.7B | $2.6B | ||
| Q2 25 | $2.7B | $2.6B | ||
| Q1 25 | $2.6B | $2.5B | ||
| Q4 24 | $2.5B | $2.4B | ||
| Q3 24 | $2.6B | $2.5B | ||
| Q2 24 | $2.5B | $2.3B |
总资产DAYFFBC
| Q1 26 | — | $22.5B | ||
| Q4 25 | — | $21.1B | ||
| Q3 25 | $8.7B | $18.6B | ||
| Q2 25 | $8.5B | $18.6B | ||
| Q1 25 | $9.5B | $18.5B | ||
| Q4 24 | $9.1B | $18.6B | ||
| Q3 24 | $8.1B | $18.1B | ||
| Q2 24 | $9.0B | $18.2B |
负债/权益比DAYFFBC
| Q1 26 | — | 0.00× | ||
| Q4 25 | — | 0.19× | ||
| Q3 25 | 0.23× | 0.08× | ||
| Q2 25 | 0.23× | 0.13× | ||
| Q1 25 | 0.24× | 0.14× | ||
| Q4 24 | 0.47× | 0.14× | ||
| Q3 24 | 0.47× | 0.14× | ||
| Q2 24 | 0.49× | 0.15× |
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 | $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 | — | — |
| 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DAYFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | $337.9M | ||
| Q3 25 | $31.2M | $89.8M | ||
| Q2 25 | $112.7M | $69.8M | ||
| Q1 25 | $49.6M | $56.1M | ||
| Q4 24 | $81.0M | $262.2M | ||
| Q3 24 | $91.8M | $88.1M | ||
| Q2 24 | $99.2M | $68.1M |
自由现金流DAYFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | $317.1M | ||
| Q3 25 | — | $85.8M | ||
| Q2 25 | — | $64.8M | ||
| Q1 25 | — | $52.4M | ||
| Q4 24 | — | $241.1M | ||
| Q3 24 | — | $84.4M | ||
| Q2 24 | — | $64.8M |
自由现金流率DAYFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | 132.8% | ||
| Q3 25 | — | 36.7% | ||
| Q2 25 | — | 28.6% | ||
| Q1 25 | — | 26.1% | ||
| Q4 24 | — | 107.5% | ||
| Q3 24 | — | 42.0% | ||
| Q2 24 | — | 30.2% |
资本支出强度DAYFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | 8.7% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | 9.4% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 1.5% |
现金转化率DAYFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 1.25× | ||
| Q2 25 | 5.29× | 1.00× | ||
| Q1 25 | 3.33× | 1.09× | ||
| Q4 24 | 7.50× | — | ||
| Q3 24 | 45.90× | 1.68× | ||
| Q2 24 | — | 1.12× |
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
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% |
FFBC
| Net Interest Income | $189.6M | 70% |
| Noninterest Income | $81.9M | 30% |
