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华美银行集团（EWBC）与Paychex（PAYX）财务数据对比。点击上方公司名可切换其他公司
Paychex的季度营收约是华美银行集团的1.9倍（$1.5B vs $775.0M），华美银行集团净利率更高（46.2% vs 26.3%，领先19.9%），Paychex同比增速更快（17.4% vs 2.1%），过去两年华美银行集团的营收复合增速更高（18.4% vs 3.8%）
华美银行集团旗下核心子公司为华美银行，是总部位于美国南加州的最大上市银行控股集团。集团资产规模超100亿美元，曾获评标普全球市场财智全美最佳银行，自2023年起连续三年位列《银行董事》杂志同资产规模银行绩效榜单首位。
Paychex是美国知名人力资源服务提供商，1971年成立，总部位于纽约州罗切斯特，面向中小微企业提供薪资管理、人力资源外包、员工福利外包等服务。目前在美欧地区拥有超100个办事处，服务约80万家薪资客户，位列《财富》500强第681位。
EWBC vs PAYX — 直观对比
营收规模更大
PAYX
是对方的1.9倍
$775.0M
营收增速更快
PAYX
高出15.3%
2.1%
净利率更高
EWBC
高出19.9%
26.3%
两年增速更快
EWBC
近两年复合增速
3.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $775.0M | $1.5B |
| 净利润 | $358.0M | $395.4M |
| 毛利率 | — | 72.6% |
| 营业利润率 | — | 38.0% |
| 净利率 | 46.2% | 26.3% |
| 营收同比 | 2.1% | 17.4% |
| 净利润同比 | 0.4% | -4.4% |
| 每股收益（稀释后） | $2.57 | $1.10 |
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EWBCPAYX
| Q1 26 | $775.0M | — | ||
| Q4 25 | $657.8M | $1.5B | ||
| Q3 25 | $677.5M | $1.5B | ||
| Q2 25 | $617.1M | $1.4B | ||
| Q1 25 | $600.2M | $1.5B | ||
| Q4 24 | $587.6M | $1.3B | ||
| Q3 24 | $572.7M | $1.3B | ||
| Q2 24 | $553.2M | $1.3B |
净利润EWBCPAYX
| Q1 26 | $358.0M | — | ||
| Q4 25 | $356.3M | $395.4M | ||
| Q3 25 | $368.4M | $383.8M | ||
| Q2 25 | $310.3M | $297.2M | ||
| Q1 25 | $290.3M | $519.3M | ||
| Q4 24 | $293.1M | $413.4M | ||
| Q3 24 | $299.2M | $427.4M | ||
| Q2 24 | $288.2M | $379.9M |
毛利率EWBCPAYX
| Q1 26 | — | — | ||
| Q4 25 | — | 72.6% | ||
| Q3 25 | — | 72.3% | ||
| Q2 25 | — | 71.5% | ||
| Q1 25 | — | 73.6% | ||
| Q4 24 | — | 70.4% | ||
| Q3 24 | — | 70.3% | ||
| Q2 24 | — | 70.1% |
营业利润率EWBCPAYX
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | 38.0% | ||
| Q3 25 | 68.6% | 36.3% | ||
| Q2 25 | 65.2% | 31.2% | ||
| Q1 25 | 65.2% | 47.2% | ||
| Q4 24 | 60.6% | 42.0% | ||
| Q3 24 | 68.0% | 42.7% | ||
| Q2 24 | 65.9% | 38.3% |
净利率EWBCPAYX
| Q1 26 | 46.2% | — | ||
| Q4 25 | 54.2% | 26.3% | ||
| Q3 25 | 54.4% | 25.7% | ||
| Q2 25 | 50.3% | 21.5% | ||
| Q1 25 | 48.4% | 35.4% | ||
| Q4 24 | 49.9% | 32.3% | ||
| Q3 24 | 52.2% | 33.4% | ||
| Q2 24 | 52.1% | 30.2% |
每股收益（稀释后）EWBCPAYX
| Q1 26 | $2.57 | — | ||
| Q4 25 | $2.55 | $1.10 | ||
| Q3 25 | $2.65 | $1.06 | ||
| Q2 25 | $2.24 | $0.83 | ||
| Q1 25 | $2.08 | $1.43 | ||
| Q4 24 | $2.10 | $1.14 | ||
| Q3 24 | $2.14 | $1.18 | ||
| Q2 24 | $2.06 | $1.05 |
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 | — | $1.5B |
| 总债务越低越好 | — | $5.0B |
| 股东权益账面价值 | $9.0B | $3.9B |
| 总资产 | $82.9B | $16.5B |
| 负债/权益比越低杠杆越低 | — | 1.28× |
8季度趋势，按日历期对齐
现金及短期投资EWBCPAYX
| Q1 26 | — | — | ||
| Q4 25 | $4.2B | $1.5B | ||
| Q3 25 | $4.7B | $1.7B | ||
| Q2 25 | $4.4B | $1.7B | ||
| Q1 25 | $3.4B | $1.6B | ||
| Q4 24 | $5.3B | $1.2B | ||
| Q3 24 | $4.9B | $1.5B | ||
| Q2 24 | $4.4B | $1.5B |
总债务EWBCPAYX
| Q1 26 | — | — | ||
| Q4 25 | $35.6M | $5.0B | ||
| Q3 25 | $35.7M | $5.0B | ||
| Q2 25 | $35.8M | $4.9B | ||
| Q1 25 | $35.9M | — | ||
| Q4 24 | $36.0M | — | ||
| Q3 24 | $36.1M | — | ||
| Q2 24 | $36.1M | $798.6M |
股东权益EWBCPAYX
| Q1 26 | $9.0B | — | ||
| Q4 25 | $8.9B | $3.9B | ||
| Q3 25 | $8.6B | $4.0B | ||
| Q2 25 | $8.2B | $4.1B | ||
| Q1 25 | $7.9B | $4.1B | ||
| Q4 24 | $7.7B | $3.9B | ||
| Q3 24 | $7.7B | $3.9B | ||
| Q2 24 | $7.2B | $3.8B |
总资产EWBCPAYX
| Q1 26 | $82.9B | — | ||
| Q4 25 | $80.4B | $16.5B | ||
| Q3 25 | $79.7B | $16.7B | ||
| Q2 25 | $78.2B | $16.6B | ||
| Q1 25 | $76.2B | $11.2B | ||
| Q4 24 | $76.0B | $10.6B | ||
| Q3 24 | $74.5B | $10.5B | ||
| Q2 24 | $72.5B | $10.4B |
负债/权益比EWBCPAYX
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 1.28× | ||
| Q3 25 | 0.00× | 1.25× | ||
| Q2 25 | 0.00× | 1.20× | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | 0.00× | — | ||
| Q2 24 | 0.01× | 0.21× |
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 | — | $444.9M |
| 自由现金流经营现金流 - 资本支出 | — | $382.8M |
| 自由现金流率自由现金流/营收 | — | 25.5% |
| 资本支出强度资本支出/营收 | — | 4.1% |
| 现金转化率经营现金流/净利润 | — | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $2.0B |
8季度趋势，按日历期对齐
经营现金流EWBCPAYX
| Q1 26 | — | — | ||
| Q4 25 | $713.4M | $444.9M | ||
| Q3 25 | $231.7M | $718.4M | ||
| Q2 25 | $278.7M | $343.8M | ||
| Q1 25 | $277.9M | $716.0M | ||
| Q4 24 | $500.1M | $295.0M | ||
| Q3 24 | $386.1M | $546.1M | ||
| Q2 24 | $259.2M | $221.7M |
自由现金流EWBCPAYX
| Q1 26 | — | — | ||
| Q4 25 | — | $382.8M | ||
| Q3 25 | — | $662.5M | ||
| Q2 25 | — | $283.3M | ||
| Q1 25 | — | $667.3M | ||
| Q4 24 | — | $248.0M | ||
| Q3 24 | — | $510.5M | ||
| Q2 24 | — | $180.4M |
自由现金流率EWBCPAYX
| Q1 26 | — | — | ||
| Q4 25 | — | 25.5% | ||
| Q3 25 | — | 44.4% | ||
| Q2 25 | — | 20.5% | ||
| Q1 25 | — | 45.5% | ||
| Q4 24 | — | 19.4% | ||
| Q3 24 | — | 39.9% | ||
| Q2 24 | — | 14.4% |
资本支出强度EWBCPAYX
| Q1 26 | — | — | ||
| Q4 25 | — | 4.1% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 4.4% | ||
| Q1 25 | — | 3.3% | ||
| Q4 24 | — | 3.7% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 3.3% |
现金转化率EWBCPAYX
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | 1.13× | ||
| Q3 25 | 0.63× | 1.87× | ||
| Q2 25 | 0.90× | 1.16× | ||
| Q1 25 | 0.96× | 1.38× | ||
| Q4 24 | 1.71× | 0.71× | ||
| Q3 24 | 1.29× | 1.28× | ||
| Q2 24 | 0.90× | 0.58× |
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
EWBC
暂无分部数据
PAYX
| Management Solutions | $1.2B | 78% |
| Peo And Insurance Solutions | $336.9M | 22% |
