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爱利金融（EFSI）与LIGHTPATH TECHNOLOGIES INC（LPTH）财务数据对比。点击上方公司名可切换其他公司
爱利金融的季度营收约是LIGHTPATH TECHNOLOGIES INC的1.0倍（$16.4M vs $16.4M），LIGHTPATH TECHNOLOGIES INC同比增速更快（120.2% vs 21.3%），爱利金融自由现金流更多（$24.3M vs $2.0M），过去两年LIGHTPATH TECHNOLOGIES INC的营收复合增速更高（45.7% vs 1.5%）
爱利金融公司是一家注册于特拉华州的美国银行控股公司，总部位于密歇根州底特律市的爱利底特律中心。该公司提供多种金融服务，涵盖汽车金融、直营银行线上银行服务、企业贷款、车辆保险、按揭贷款，以及分期销售、租赁协议等相关融资服务。
LightPath Technologies Inc是一家精密光学组件及组件生产商，主营非球面透镜、红外光学器件、光纤产品等，服务工业自动化、航空航天、国防、医疗成像、电信等领域的全球客户，提供标准及定制化光学解决方案。
EFSI vs LPTH — 直观对比
营收规模更大
EFSI
是对方的1.0倍
$16.4M
营收增速更快
LPTH
高出98.9%
21.3%
自由现金流更多
EFSI
多$22.4M
$2.0M
两年增速更快
LPTH
近两年复合增速
1.5%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $16.4M | $16.4M |
| 净利润 | — | $-9.4M |
| 毛利率 | — | 36.8% |
| 营业利润率 | 33.6% | -52.6% |
| 净利率 | — | -57.5% |
| 营收同比 | 21.3% | 120.2% |
| 净利润同比 | — | -260.1% |
| 每股收益（稀释后） | $1.10 | $-0.20 |
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EFSILPTH
| Q4 25 | $16.4M | $16.4M | ||
| Q3 25 | $22.4M | $15.1M | ||
| Q2 25 | $20.6M | $12.2M | ||
| Q1 25 | $4.8M | $9.2M | ||
| Q4 24 | $22.0M | $7.4M | ||
| Q3 24 | $18.4M | $8.4M | ||
| Q2 24 | $16.5M | $8.6M | ||
| Q1 24 | $15.9M | $7.7M |
净利润EFSILPTH
| Q4 25 | — | $-9.4M | ||
| Q3 25 | $5.6M | $-2.9M | ||
| Q2 25 | $5.3M | $-7.1M | ||
| Q1 25 | $-7.0M | $-3.6M | ||
| Q4 24 | — | $-2.6M | ||
| Q3 24 | $3.4M | $-1.6M | ||
| Q2 24 | $3.2M | $-2.4M | ||
| Q1 24 | $2.5M | $-2.6M |
毛利率EFSILPTH
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 29.8% | ||
| Q2 25 | — | 22.0% | ||
| Q1 25 | — | 29.1% | ||
| Q4 24 | — | 26.0% | ||
| Q3 24 | — | 33.9% | ||
| Q2 24 | — | 29.2% | ||
| Q1 24 | — | 20.9% |
营业利润率EFSILPTH
| Q4 25 | 33.6% | -52.6% | ||
| Q3 25 | 30.9% | -16.6% | ||
| Q2 25 | 31.8% | -38.0% | ||
| Q1 25 | -189.0% | -36.3% | ||
| Q4 24 | 36.8% | -33.5% | ||
| Q3 24 | 21.6% | -16.4% | ||
| Q2 24 | 22.9% | -25.6% | ||
| Q1 24 | 19.1% | -33.6% |
净利率EFSILPTH
| Q4 25 | — | -57.5% | ||
| Q3 25 | 25.0% | -19.2% | ||
| Q2 25 | 25.6% | -57.8% | ||
| Q1 25 | -145.8% | -39.1% | ||
| Q4 24 | — | -35.2% | ||
| Q3 24 | 18.6% | -19.3% | ||
| Q2 24 | 19.3% | -27.3% | ||
| Q1 24 | 16.0% | -33.7% |
每股收益（稀释后）EFSILPTH
| Q4 25 | $1.10 | $-0.20 | ||
| Q3 25 | $1.04 | $-0.07 | ||
| Q2 25 | $0.98 | $0.19 | ||
| Q1 25 | $-1.53 | $-0.44 | ||
| Q4 24 | $1.74 | $-0.07 | ||
| Q3 24 | $0.97 | $-0.04 | ||
| Q2 24 | $0.89 | $-0.15 | ||
| Q1 24 | $0.72 | $-0.07 |
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 | — | $73.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $188.8M | $77.9M |
| 总资产 | $1.9B | $148.6M |
| 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EFSILPTH
| Q4 25 | — | $73.6M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $4.9M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
总债务EFSILPTH
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $535.0K | ||
| Q1 24 | — | $599.4K |
股东权益EFSILPTH
| Q4 25 | $188.8M | $77.9M | ||
| Q3 25 | $185.6M | $21.4M | ||
| Q2 25 | $179.6M | $15.6M | ||
| Q1 25 | $176.5M | $15.7M | ||
| Q4 24 | $119.0M | $26.7M | ||
| Q3 24 | $117.8M | $29.4M | ||
| Q2 24 | $111.1M | $30.2M | ||
| Q1 24 | $107.7M | $31.7M |
总资产EFSILPTH
| Q4 25 | $1.9B | $148.6M | ||
| Q3 25 | $1.9B | $87.3M | ||
| Q2 25 | $2.0B | $81.5M | ||
| Q1 25 | $1.9B | $81.4M | ||
| Q4 24 | $1.9B | $45.8M | ||
| Q3 24 | $1.9B | $48.4M | ||
| Q2 24 | $1.8B | $48.1M | ||
| Q1 24 | $1.8B | $49.7M |
负债/权益比EFSILPTH
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.02× | ||
| Q1 24 | — | 0.02× |
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 | $25.8M | $2.8M |
| 自由现金流经营现金流 - 资本支出 | $24.3M | $2.0M |
| 自由现金流率自由现金流/营收 | 148.6% | 12.0% |
| 资本支出强度资本支出/营收 | 8.6% | 5.3% |
| 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 | $39.7M | $-6.3M |
8季度趋势，按日历期对齐
经营现金流EFSILPTH
| Q4 25 | $25.8M | $2.8M | ||
| Q3 25 | $8.2M | $-1.1M | ||
| Q2 25 | $2.6M | $-2.6M | ||
| Q1 25 | $5.8M | $-3.2M | ||
| Q4 24 | $18.8M | $-737.4K | ||
| Q3 24 | $7.5M | $-1.7M | ||
| Q2 24 | $-1.8M | $64.7K | ||
| Q1 24 | $6.8M | $-394.2K |
自由现金流EFSILPTH
| Q4 25 | $24.3M | $2.0M | ||
| Q3 25 | $7.8M | $-1.2M | ||
| Q2 25 | $2.3M | $-3.3M | ||
| Q1 25 | $5.3M | $-3.7M | ||
| Q4 24 | $17.7M | $-817.8K | ||
| Q3 24 | $7.3M | $-1.8M | ||
| Q2 24 | $-2.2M | $-225.5K | ||
| Q1 24 | $6.7M | $-802.5K |
自由现金流率EFSILPTH
| Q4 25 | 148.6% | 12.0% | ||
| Q3 25 | 35.0% | -8.1% | ||
| Q2 25 | 11.2% | -27.3% | ||
| Q1 25 | 110.1% | -40.0% | ||
| Q4 24 | 80.6% | -11.0% | ||
| Q3 24 | 39.6% | -21.2% | ||
| Q2 24 | -13.6% | -2.6% | ||
| Q1 24 | 41.9% | -10.4% |
资本支出强度EFSILPTH
| Q4 25 | 8.6% | 5.3% | ||
| Q3 25 | 1.7% | 0.5% | ||
| Q2 25 | 1.3% | 5.6% | ||
| Q1 25 | 11.2% | 4.6% | ||
| Q4 24 | 4.6% | 1.1% | ||
| Q3 24 | 1.3% | 0.9% | ||
| Q2 24 | 2.6% | 3.4% | ||
| Q1 24 | 0.6% | 5.3% |
现金转化率EFSILPTH
| Q4 25 | — | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 0.49× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.19× | — | ||
| Q2 24 | -0.57× | — | ||
| Q1 24 | 2.65× | — |
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
EFSI
| Asset Management | $6.0M | 37% |
| Other | $3.8M | 23% |
| Interchange Fees | $3.5M | 22% |
| Overdrawn Account Fees | $1.6M | 10% |
| Brokerage Commissions | $1.4M | 9% |
LPTH
| Other | $7.9M | 48% |
| Infrared Components | $5.0M | 31% |
| Visible Components | $3.4M | 21% |
