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华美银行集团（EWBC）与Rivian Automotive, Inc.（RIVN）财务数据对比。点击上方公司名可切换其他公司
Rivian Automotive, Inc.的季度营收约是华美银行集团的1.7倍（$1.3B vs $774.0M），华美银行集团净利率更高（46.3% vs -63.1%，领先109.3%），华美银行集团同比增速更快（11.8% vs -25.8%），过去两年华美银行集团的营收复合增速更高（18.3% vs 3.3%）
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。
Rivian Automotive是2009年成立的美国电动汽车制造商及汽车科技企业，主打基于自研滑板平台打造的电动SUV、皮卡及EDV电动配送货车，旗下R1T皮卡于2021年末正式开启交付，还计划于2023年底前在美国和加拿大布局专属充电网络，其平台可适配新车型也可对外授权使用。
EWBC vs RIVN — 直观对比
营收规模更大
RIVN
是对方的1.7倍
$774.0M
营收增速更快
EWBC
高出37.7%
-25.8%
净利率更高
EWBC
高出109.3%
-63.1%
两年增速更快
EWBC
近两年复合增速
3.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $774.0M | $1.3B |
| 净利润 | $358.0M | $-811.0M |
| 毛利率 | — | 9.3% |
| 营业利润率 | — | -64.8% |
| 净利率 | 46.3% | -63.1% |
| 营收同比 | 11.8% | -25.8% |
| 净利润同比 | 0.4% | -9.0% |
| 每股收益（稀释后） | $2.57 | $-0.66 |
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EWBCRIVN
| Q1 26 | $774.0M | — | ||
| Q4 25 | $657.8M | $1.3B | ||
| Q3 25 | $677.5M | $1.6B | ||
| Q2 25 | $617.1M | $1.3B | ||
| Q1 25 | $600.2M | $1.2B | ||
| Q4 24 | $587.6M | $1.7B | ||
| Q3 24 | $572.7M | $874.0M | ||
| Q2 24 | $553.2M | $1.2B |
净利润EWBCRIVN
| Q1 26 | $358.0M | — | ||
| Q4 25 | $356.3M | $-811.0M | ||
| Q3 25 | $368.4M | $-1.2B | ||
| Q2 25 | $310.3M | $-1.1B | ||
| Q1 25 | $290.3M | $-545.0M | ||
| Q4 24 | $293.1M | $-744.0M | ||
| Q3 24 | $299.2M | $-1.1B | ||
| Q2 24 | $288.2M | $-1.5B |
毛利率EWBCRIVN
| Q1 26 | — | — | ||
| Q4 25 | — | 9.3% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | -15.8% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 9.8% | ||
| Q3 24 | — | -44.9% | ||
| Q2 24 | — | -38.9% |
营业利润率EWBCRIVN
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | -64.8% | ||
| Q3 25 | 68.6% | -63.1% | ||
| Q2 25 | 65.2% | -85.5% | ||
| Q1 25 | 65.2% | -52.8% | ||
| Q4 24 | 60.6% | -38.1% | ||
| Q3 24 | 68.0% | -133.8% | ||
| Q2 24 | 65.9% | -118.7% |
净利率EWBCRIVN
| Q1 26 | 46.3% | — | ||
| Q4 25 | 54.2% | -63.1% | ||
| Q3 25 | 54.4% | -75.3% | ||
| Q2 25 | 50.3% | -85.7% | ||
| Q1 25 | 48.4% | -44.0% | ||
| Q4 24 | 49.9% | -42.9% | ||
| Q3 24 | 52.2% | -125.9% | ||
| Q2 24 | 52.1% | -125.8% |
每股收益（稀释后）EWBCRIVN
| Q1 26 | $2.57 | — | ||
| Q4 25 | $2.55 | $-0.66 | ||
| Q3 25 | $2.65 | $-0.96 | ||
| Q2 25 | $2.24 | $-0.97 | ||
| Q1 25 | $2.08 | $-0.48 | ||
| Q4 24 | $2.10 | $-0.67 | ||
| Q3 24 | $2.14 | $-1.08 | ||
| Q2 24 | $2.06 | $-1.46 |
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 | — | $6.1B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $9.0B | $4.6B |
| 总资产 | $82.9B | $14.9B |
| 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EWBCRIVN
| Q1 26 | — | — | ||
| Q4 25 | $4.2B | $6.1B | ||
| Q3 25 | $4.7B | $7.1B | ||
| Q2 25 | $4.4B | $7.5B | ||
| Q1 25 | $3.4B | $7.2B | ||
| Q4 24 | $5.3B | $7.7B | ||
| Q3 24 | $4.9B | $6.7B | ||
| Q2 24 | $4.4B | $7.9B |
总债务EWBCRIVN
| Q1 26 | — | — | ||
| Q4 25 | $35.6M | — | ||
| Q3 25 | $35.7M | — | ||
| Q2 25 | $35.8M | — | ||
| Q1 25 | $35.9M | — | ||
| Q4 24 | $36.0M | — | ||
| Q3 24 | $36.1M | — | ||
| Q2 24 | $36.1M | $5.5B |
股东权益EWBCRIVN
| Q1 26 | $9.0B | — | ||
| Q4 25 | $8.9B | $4.6B | ||
| Q3 25 | $8.6B | $5.1B | ||
| Q2 25 | $8.2B | $6.1B | ||
| Q1 25 | $7.9B | $6.2B | ||
| Q4 24 | $7.7B | $6.6B | ||
| Q3 24 | $7.7B | $5.9B | ||
| Q2 24 | $7.2B | $6.8B |
总资产EWBCRIVN
| Q1 26 | $82.9B | — | ||
| Q4 25 | $80.4B | $14.9B | ||
| Q3 25 | $79.7B | $15.2B | ||
| Q2 25 | $78.2B | $15.6B | ||
| Q1 25 | $76.2B | $15.5B | ||
| Q4 24 | $76.0B | $15.4B | ||
| Q3 24 | $74.5B | $14.3B | ||
| Q2 24 | $72.5B | $15.4B |
负债/权益比EWBCRIVN
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | 0.00× | — | ||
| Q2 24 | 0.01× | 0.81× |
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 | — | $-681.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.1B |
| 自由现金流率自由现金流/营收 | — | -89.0% |
| 资本支出强度资本支出/营收 | — | 36.0% |
| 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 | — | $-2.5B |
8季度趋势，按日历期对齐
经营现金流EWBCRIVN
| Q1 26 | — | — | ||
| Q4 25 | $713.4M | $-681.0M | ||
| Q3 25 | $231.7M | $26.0M | ||
| Q2 25 | $278.7M | $64.0M | ||
| Q1 25 | $277.9M | $-188.0M | ||
| Q4 24 | $500.1M | $1.2B | ||
| Q3 24 | $386.1M | $-876.0M | ||
| Q2 24 | $259.2M | $-754.0M |
自由现金流EWBCRIVN
| Q1 26 | — | — | ||
| Q4 25 | — | $-1.1B | ||
| Q3 25 | — | $-421.0M | ||
| Q2 25 | — | $-398.0M | ||
| Q1 25 | — | $-526.0M | ||
| Q4 24 | — | $856.0M | ||
| Q3 24 | — | $-1.2B | ||
| Q2 24 | — | $-1.0B |
自由现金流率EWBCRIVN
| Q1 26 | — | — | ||
| Q4 25 | — | -89.0% | ||
| Q3 25 | — | -27.0% | ||
| Q2 25 | — | -30.5% | ||
| Q1 25 | — | -42.4% | ||
| Q4 24 | — | 49.4% | ||
| Q3 24 | — | -131.9% | ||
| Q2 24 | — | -89.6% |
资本支出强度EWBCRIVN
| Q1 26 | — | — | ||
| Q4 25 | — | 36.0% | ||
| Q3 25 | — | 28.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 27.3% | ||
| Q4 24 | — | 18.9% | ||
| Q3 24 | — | 31.7% | ||
| Q2 24 | — | 24.4% |
现金转化率EWBCRIVN
| 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
业务分部营收拆解
EWBC
暂无分部数据
RIVN
| Automotive Segment | $839.0M | 65% |
| Software And Services Segment | $447.0M | 35% |
| Regulatory Credits | $30.0M | 2% |
