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EPAM Systems（EPAM）与WINTRUST FINANCIAL CORP（WTFC）财务数据对比。点击上方公司名可切换其他公司
EPAM Systems的季度营收约是WINTRUST FINANCIAL CORP的2.0倍（$1.4B vs $713.2M），WINTRUST FINANCIAL CORP净利率更高（31.9% vs 7.8%，领先24.1%），EPAM Systems同比增速更快（12.8% vs 10.9%），过去两年EPAM Systems的营收复合增速更高（9.9% vs 9.8%）
EPAM Systems是总部位于美国宾夕法尼亚州纽敦的企业，核心业务涵盖软件工程服务、数字平台研发、数字产品设计三大板块，同时是MACH联盟的创始成员，在全球数字化服务赛道拥有深厚的技术积累与行业认可度。
Wintrust Financial是美国本土金融控股公司，在伊利诺伊州北部及威斯康星州南部运营15家特许社区银行，属于美国中型银行机构，是芝加哥第二大银行企业，于纳斯达克全球精选市场上市，股票代码为WTFC。
EPAM vs WTFC — 直观对比
营收规模更大
EPAM
是对方的2.0倍
$713.2M
营收增速更快
EPAM
高出1.9%
10.9%
净利率更高
WTFC
高出24.1%
7.8%
两年增速更快
EPAM
近两年复合增速
9.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.4B | $713.2M |
| 净利润 | $109.4M | $227.4M |
| 毛利率 | 30.1% | — |
| 营业利润率 | 10.6% | — |
| 净利率 | 7.8% | 31.9% |
| 营收同比 | 12.8% | 10.9% |
| 净利润同比 | 5.9% | 2.0% |
| 每股收益（稀释后） | $1.97 | $3.22 |
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EPAMWTFC
| Q1 26 | — | $713.2M | ||
| Q4 25 | $1.4B | $714.3M | ||
| Q3 25 | $1.4B | $697.8M | ||
| Q2 25 | $1.4B | $670.8M | ||
| Q1 25 | $1.3B | $643.1M | ||
| Q4 24 | $1.2B | $638.6M | ||
| Q3 24 | $1.2B | $615.7M | ||
| Q2 24 | $1.1B | $591.8M |
净利润EPAMWTFC
| Q1 26 | — | $227.4M | ||
| Q4 25 | $109.4M | — | ||
| Q3 25 | $106.8M | $216.3M | ||
| Q2 25 | $88.0M | $195.5M | ||
| Q1 25 | $73.5M | $189.0M | ||
| Q4 24 | $103.3M | — | ||
| Q3 24 | $136.3M | $170.0M | ||
| Q2 24 | $98.6M | $152.4M |
毛利率EPAMWTFC
| Q1 26 | — | — | ||
| Q4 25 | 30.1% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 28.8% | — | ||
| Q1 25 | 26.9% | — | ||
| Q4 24 | 30.4% | — | ||
| Q3 24 | 34.6% | — | ||
| Q2 24 | 29.3% | — |
营业利润率EPAMWTFC
| Q1 26 | — | — | ||
| Q4 25 | 10.6% | 42.3% | ||
| Q3 25 | 10.4% | 42.4% | ||
| Q2 25 | 9.3% | 39.8% | ||
| Q1 25 | 7.6% | 39.3% | ||
| Q4 24 | 10.9% | 39.6% | ||
| Q3 24 | 15.2% | 37.8% | ||
| Q2 24 | 10.5% | 35.7% |
净利率EPAMWTFC
| Q1 26 | — | 31.9% | ||
| Q4 25 | 7.8% | — | ||
| Q3 25 | 7.7% | 31.0% | ||
| Q2 25 | 6.5% | 29.1% | ||
| Q1 25 | 5.6% | 29.4% | ||
| Q4 24 | 8.3% | — | ||
| Q3 24 | 11.7% | 27.6% | ||
| Q2 24 | 8.6% | 25.8% |
每股收益（稀释后）EPAMWTFC
| Q1 26 | — | $3.22 | ||
| Q4 25 | $1.97 | $3.15 | ||
| Q3 25 | $1.91 | $2.78 | ||
| Q2 25 | $1.56 | $2.78 | ||
| Q1 25 | $1.28 | $2.69 | ||
| Q4 24 | $1.80 | $2.63 | ||
| Q3 24 | $2.37 | $2.47 | ||
| Q2 24 | $1.70 | $2.32 |
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 | $1.3B | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.7B | $7.4B |
| 总资产 | $4.9B | $72.2B |
| 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EPAMWTFC
| Q1 26 | — | — | ||
| Q4 25 | $1.3B | — | ||
| Q3 25 | $1.2B | — | ||
| Q2 25 | $1.0B | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $2.1B | — | ||
| Q2 24 | $1.8B | — |
股东权益EPAMWTFC
| Q1 26 | — | $7.4B | ||
| Q4 25 | $3.7B | $7.3B | ||
| Q3 25 | $3.7B | $7.0B | ||
| Q2 25 | $3.7B | $7.2B | ||
| Q1 25 | $3.6B | $6.6B | ||
| Q4 24 | $3.6B | $6.3B | ||
| Q3 24 | $3.6B | $6.4B | ||
| Q2 24 | $3.4B | $5.5B |
总资产EPAMWTFC
| Q1 26 | — | $72.2B | ||
| Q4 25 | $4.9B | $71.1B | ||
| Q3 25 | $4.8B | $69.6B | ||
| Q2 25 | $4.7B | $69.0B | ||
| Q1 25 | $4.7B | $65.9B | ||
| Q4 24 | $4.8B | $64.9B | ||
| Q3 24 | $4.5B | $63.8B | ||
| Q2 24 | $4.2B | $59.8B |
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 | $282.9M | — |
| 自由现金流经营现金流 - 资本支出 | $268.1M | — |
| 自由现金流率自由现金流/营收 | 19.0% | — |
| 资本支出强度资本支出/营收 | 1.1% | — |
| 现金转化率经营现金流/净利润 | 2.59× | — |
| 过去12个月自由现金流最近4个季度 | $612.7M | — |
8季度趋势，按日历期对齐
经营现金流EPAMWTFC
| Q1 26 | — | — | ||
| Q4 25 | $282.9M | $910.3M | ||
| Q3 25 | $294.7M | $209.8M | ||
| Q2 25 | $53.2M | $329.2M | ||
| Q1 25 | $24.2M | $119.8M | ||
| Q4 24 | $130.3M | $721.6M | ||
| Q3 24 | $242.0M | $-61.6M | ||
| Q2 24 | $57.0M | $221.2M |
自由现金流EPAMWTFC
| Q1 26 | — | — | ||
| Q4 25 | $268.1M | $860.4M | ||
| Q3 25 | $286.4M | — | ||
| Q2 25 | $43.4M | — | ||
| Q1 25 | $14.8M | — | ||
| Q4 24 | $114.5M | $635.5M | ||
| Q3 24 | $237.0M | $-78.3M | ||
| Q2 24 | $52.3M | $182.1M |
自由现金流率EPAMWTFC
| Q1 26 | — | — | ||
| Q4 25 | 19.0% | 120.5% | ||
| Q3 25 | 20.5% | — | ||
| Q2 25 | 3.2% | — | ||
| Q1 25 | 1.1% | — | ||
| Q4 24 | 9.2% | 99.5% | ||
| Q3 24 | 20.3% | -12.7% | ||
| Q2 24 | 4.6% | 30.8% |
资本支出强度EPAMWTFC
| Q1 26 | — | — | ||
| Q4 25 | 1.1% | 7.0% | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 1.3% | 13.5% | ||
| Q3 24 | 0.4% | 2.7% | ||
| Q2 24 | 0.4% | 6.6% |
现金转化率EPAMWTFC
| Q1 26 | — | — | ||
| Q4 25 | 2.59× | — | ||
| Q3 25 | 2.76× | 0.97× | ||
| Q2 25 | 0.60× | 1.68× | ||
| Q1 25 | 0.33× | 0.63× | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | 1.77× | -0.36× | ||
| Q2 24 | 0.58× | 1.45× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
