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华美银行集团（EWBC）与罗布乐思（RBLX）财务数据对比。点击上方公司名可切换其他公司
罗布乐思的季度营收约是华美银行集团的1.8倍（$1.4B vs $774.0M），华美银行集团净利率更高（46.3% vs -22.3%，领先68.6%），罗布乐思同比增速更快（43.2% vs 11.8%），过去两年罗布乐思的营收复合增速更高（32.9% vs 18.3%）
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。
罗布乐思（Roblox Corporation）是总部位于美国加利福尼亚州圣马特奥的游戏企业，由大卫·巴斯祖奇与埃里克·卡塞尔于2004年共同创立。公司核心产品为同名线上游戏创作平台Roblox，于2006年正式上线，截至2024年12月底全球员工规模已超2400人。
EWBC vs RBLX — 直观对比
营收规模更大
RBLX
是对方的1.8倍
$774.0M
营收增速更快
RBLX
高出31.3%
11.8%
净利率更高
EWBC
高出68.6%
-22.3%
两年增速更快
RBLX
近两年复合增速
18.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $774.0M | $1.4B |
| 净利润 | $358.0M | $-316.0M |
| 毛利率 | — | 77.7% |
| 营业利润率 | — | -25.3% |
| 净利率 | 46.3% | -22.3% |
| 营收同比 | 11.8% | 43.2% |
| 净利润同比 | 0.4% | -43.9% |
| 每股收益（稀释后） | $2.57 | $-0.44 |
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EWBCRBLX
| Q1 26 | $774.0M | — | ||
| Q4 25 | $657.8M | $1.4B | ||
| Q3 25 | $677.5M | $1.4B | ||
| Q2 25 | $617.1M | $1.1B | ||
| Q1 25 | $600.2M | $1.0B | ||
| Q4 24 | $587.6M | $988.2M | ||
| Q3 24 | $572.7M | $919.0M | ||
| Q2 24 | $553.2M | $893.5M |
净利润EWBCRBLX
| Q1 26 | $358.0M | — | ||
| Q4 25 | $356.3M | $-316.0M | ||
| Q3 25 | $368.4M | $-255.6M | ||
| Q2 25 | $310.3M | $-278.4M | ||
| Q1 25 | $290.3M | $-215.1M | ||
| Q4 24 | $293.1M | $-219.6M | ||
| Q3 24 | $299.2M | $-239.3M | ||
| Q2 24 | $288.2M | $-205.9M |
毛利率EWBCRBLX
| Q1 26 | — | — | ||
| Q4 25 | — | 77.7% | ||
| Q3 25 | — | 78.2% | ||
| Q2 25 | — | 78.2% | ||
| Q1 25 | — | 78.3% | ||
| Q4 24 | — | 77.9% | ||
| Q3 24 | — | 77.7% | ||
| Q2 24 | — | 77.8% |
营业利润率EWBCRBLX
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | -25.3% | ||
| Q3 25 | 68.6% | -21.8% | ||
| Q2 25 | 65.2% | -29.8% | ||
| Q1 25 | 65.2% | -24.6% | ||
| Q4 24 | 60.6% | -24.7% | ||
| Q3 24 | 68.0% | -30.4% | ||
| Q2 24 | 65.9% | -26.6% |
净利率EWBCRBLX
| Q1 26 | 46.3% | — | ||
| Q4 25 | 54.2% | -22.3% | ||
| Q3 25 | 54.4% | -18.8% | ||
| Q2 25 | 50.3% | -25.8% | ||
| Q1 25 | 48.4% | -20.8% | ||
| Q4 24 | 49.9% | -22.2% | ||
| Q3 24 | 52.2% | -26.0% | ||
| Q2 24 | 52.1% | -23.0% |
每股收益（稀释后）EWBCRBLX
| Q1 26 | $2.57 | — | ||
| Q4 25 | $2.55 | $-0.44 | ||
| Q3 25 | $2.65 | $-0.37 | ||
| Q2 25 | $2.24 | $-0.41 | ||
| Q1 25 | $2.08 | $-0.32 | ||
| Q4 24 | $2.10 | $-0.32 | ||
| Q3 24 | $2.14 | $-0.37 | ||
| Q2 24 | $2.06 | $-0.32 |
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 | — | $3.1B |
| 总债务越低越好 | — | $1.2B |
| 股东权益账面价值 | $9.0B | $394.5M |
| 总资产 | $82.9B | $9.6B |
| 负债/权益比越低杠杆越低 | — | 2.98× |
8季度趋势，按日历期对齐
现金及短期投资EWBCRBLX
| Q1 26 | — | — | ||
| Q4 25 | $4.2B | $3.1B | ||
| Q3 25 | $4.7B | $2.9B | ||
| Q2 25 | $4.4B | $2.6B | ||
| Q1 25 | $3.4B | $2.7B | ||
| Q4 24 | $5.3B | $2.4B | ||
| Q3 24 | $4.9B | $2.3B | ||
| Q2 24 | $4.4B | $2.4B |
总债务EWBCRBLX
| Q1 26 | — | — | ||
| Q4 25 | $35.6M | $1.2B | ||
| Q3 25 | $35.7M | — | ||
| Q2 25 | $35.8M | — | ||
| Q1 25 | $35.9M | — | ||
| Q4 24 | $36.0M | $1.2B | ||
| Q3 24 | $36.1M | — | ||
| Q2 24 | $36.1M | — |
股东权益EWBCRBLX
| Q1 26 | $9.0B | — | ||
| Q4 25 | $8.9B | $394.5M | ||
| Q3 25 | $8.6B | $407.6M | ||
| Q2 25 | $8.2B | $353.2M | ||
| Q1 25 | $7.9B | $310.7M | ||
| Q4 24 | $7.7B | $221.4M | ||
| Q3 24 | $7.7B | $189.9M | ||
| Q2 24 | $7.2B | $121.5M |
总资产EWBCRBLX
| Q1 26 | $82.9B | — | ||
| Q4 25 | $80.4B | $9.6B | ||
| Q3 25 | $79.7B | $8.6B | ||
| Q2 25 | $78.2B | $7.8B | ||
| Q1 25 | $76.2B | $7.5B | ||
| Q4 24 | $76.0B | $7.2B | ||
| Q3 24 | $74.5B | $6.7B | ||
| Q2 24 | $72.5B | $6.5B |
负债/权益比EWBCRBLX
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 2.98× | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | 5.48× | ||
| Q3 24 | 0.00× | — | ||
| Q2 24 | 0.01× | — |
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 | — | $607.0M |
| 自由现金流经营现金流 - 资本支出 | — | $308.6M |
| 自由现金流率自由现金流/营收 | — | 21.8% |
| 资本支出强度资本支出/营收 | — | 21.1% |
| 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 | — | $1.4B |
8季度趋势，按日历期对齐
经营现金流EWBCRBLX
| Q1 26 | — | — | ||
| Q4 25 | $713.4M | $607.0M | ||
| Q3 25 | $231.7M | $546.2M | ||
| Q2 25 | $278.7M | $199.3M | ||
| Q1 25 | $277.9M | $443.9M | ||
| Q4 24 | $500.1M | $184.5M | ||
| Q3 24 | $386.1M | $247.4M | ||
| Q2 24 | $259.2M | $151.4M |
自由现金流EWBCRBLX
| Q1 26 | — | — | ||
| Q4 25 | — | $308.6M | ||
| Q3 25 | — | $443.6M | ||
| Q2 25 | — | $176.7M | ||
| Q1 25 | — | $426.5M | ||
| Q4 24 | — | $120.6M | ||
| Q3 24 | — | $218.0M | ||
| Q2 24 | — | $111.7M |
自由现金流率EWBCRBLX
| Q1 26 | — | — | ||
| Q4 25 | — | 21.8% | ||
| Q3 25 | — | 32.6% | ||
| Q2 25 | — | 16.3% | ||
| Q1 25 | — | 41.2% | ||
| Q4 24 | — | 12.2% | ||
| Q3 24 | — | 23.7% | ||
| Q2 24 | — | 12.5% |
资本支出强度EWBCRBLX
| Q1 26 | — | — | ||
| Q4 25 | — | 21.1% | ||
| Q3 25 | — | 7.5% | ||
| Q2 25 | — | 2.1% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 4.4% |
现金转化率EWBCRBLX
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | — | ||
| Q3 25 | 0.63× | — | ||
| Q2 25 | 0.90× | — | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 1.71× | — | ||
| Q3 24 | 1.29× | — | ||
| Q2 24 | 0.90× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
