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华美银行集团（EWBC）与TRINET GROUP, INC.（TNET）财务数据对比。点击上方公司名可切换其他公司
TRINET GROUP, INC.的季度营收约是华美银行集团的1.6倍（$1.2B vs $774.0M），华美银行集团同比增速更快（11.8% vs -2.2%），过去两年华美银行集团的营收复合增速更高（18.3% vs -0.6%）
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。
TriNet Group, Inc.是一家面向中小企业的专业雇主组织，总部位于加州都柏林，服务员工规模在3至2500人之间的各类机构。可提供薪资管理、健康福利管理服务，还能为客户提供劳动法规合规、风险降低相关咨询，可作为外包人力资源部门为企业分担人事相关事务。
EWBC vs TNET — 直观对比
营收规模更大
TNET
是对方的1.6倍
$774.0M
营收增速更快
EWBC
高出14.0%
-2.2%
两年增速更快
EWBC
近两年复合增速
-0.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $774.0M | $1.2B |
| 净利润 | $358.0M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 0.1% |
| 净利率 | 46.3% | — |
| 营收同比 | 11.8% | -2.2% |
| 净利润同比 | 0.4% | — |
| 每股收益（稀释后） | $2.57 | $0.02 |
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EWBCTNET
| Q1 26 | $774.0M | — | ||
| Q4 25 | $657.8M | $1.2B | ||
| Q3 25 | $677.5M | $1.2B | ||
| Q2 25 | $617.1M | $1.2B | ||
| Q1 25 | $600.2M | $1.3B | ||
| Q4 24 | $587.6M | $1.3B | ||
| Q3 24 | $572.7M | $1.2B | ||
| Q2 24 | $553.2M | $1.2B |
净利润EWBCTNET
| Q1 26 | $358.0M | — | ||
| Q4 25 | $356.3M | — | ||
| Q3 25 | $368.4M | $34.0M | ||
| Q2 25 | $310.3M | $37.0M | ||
| Q1 25 | $290.3M | $85.0M | ||
| Q4 24 | $293.1M | — | ||
| Q3 24 | $299.2M | $45.0M | ||
| Q2 24 | $288.2M | $60.0M |
营业利润率EWBCTNET
| Q1 26 | — | — | ||
| Q4 25 | 71.0% | 0.1% | ||
| Q3 25 | 68.6% | 4.1% | ||
| Q2 25 | 65.2% | 4.1% | ||
| Q1 25 | 65.2% | 8.9% | ||
| Q4 24 | 60.6% | -2.9% | ||
| Q3 24 | 68.0% | 4.7% | ||
| Q2 24 | 65.9% | 6.5% |
净利率EWBCTNET
| Q1 26 | 46.3% | — | ||
| Q4 25 | 54.2% | — | ||
| Q3 25 | 54.4% | 2.8% | ||
| Q2 25 | 50.3% | 3.0% | ||
| Q1 25 | 48.4% | 6.6% | ||
| Q4 24 | 49.9% | — | ||
| Q3 24 | 52.2% | 3.6% | ||
| Q2 24 | 52.1% | 4.9% |
每股收益（稀释后）EWBCTNET
| Q1 26 | $2.57 | — | ||
| Q4 25 | $2.55 | $0.02 | ||
| Q3 25 | $2.65 | $0.70 | ||
| Q2 25 | $2.24 | $0.77 | ||
| Q1 25 | $2.08 | $1.71 | ||
| Q4 24 | $2.10 | $-0.44 | ||
| Q3 24 | $2.14 | $0.89 | ||
| Q2 24 | $2.06 | $1.20 |
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 | — | $287.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $9.0B | $54.0M |
| 总资产 | $82.9B | $3.8B |
| 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EWBCTNET
| Q1 26 | — | — | ||
| Q4 25 | $4.2B | $287.0M | ||
| Q3 25 | $4.7B | $321.0M | ||
| Q2 25 | $4.4B | $407.0M | ||
| Q1 25 | $3.4B | $349.0M | ||
| Q4 24 | $5.3B | $360.0M | ||
| Q3 24 | $4.9B | $301.0M | ||
| Q2 24 | $4.4B | $249.0M |
总债务EWBCTNET
| 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 | — |
股东权益EWBCTNET
| Q1 26 | $9.0B | — | ||
| Q4 25 | $8.9B | $54.0M | ||
| Q3 25 | $8.6B | $110.0M | ||
| Q2 25 | $8.2B | $107.0M | ||
| Q1 25 | $7.9B | $63.0M | ||
| Q4 24 | $7.7B | $69.0M | ||
| Q3 24 | $7.7B | $129.0M | ||
| Q2 24 | $7.2B | $100.0M |
总资产EWBCTNET
| Q1 26 | $82.9B | — | ||
| Q4 25 | $80.4B | $3.8B | ||
| Q3 25 | $79.7B | $3.4B | ||
| Q2 25 | $78.2B | $3.7B | ||
| Q1 25 | $76.2B | $3.8B | ||
| Q4 24 | $76.0B | $4.1B | ||
| Q3 24 | $74.5B | $3.7B | ||
| Q2 24 | $72.5B | $3.7B |
负债/权益比EWBCTNET
| 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× | — |
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 | — | $61.0M |
| 自由现金流经营现金流 - 资本支出 | — | $43.0M |
| 自由现金流率自由现金流/营收 | — | 3.4% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 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 | — | $234.0M |
8季度趋势，按日历期对齐
经营现金流EWBCTNET
| Q1 26 | — | — | ||
| Q4 25 | $713.4M | $61.0M | ||
| Q3 25 | $231.7M | $72.0M | ||
| Q2 25 | $278.7M | $75.0M | ||
| Q1 25 | $277.9M | $95.0M | ||
| Q4 24 | $500.1M | $65.0M | ||
| Q3 24 | $386.1M | $84.0M | ||
| Q2 24 | $259.2M | $39.0M |
自由现金流EWBCTNET
| Q1 26 | — | — | ||
| Q4 25 | — | $43.0M | ||
| Q3 25 | — | $55.0M | ||
| Q2 25 | — | $57.0M | ||
| Q1 25 | — | $79.0M | ||
| Q4 24 | — | $47.0M | ||
| Q3 24 | — | $59.0M | ||
| Q2 24 | — | $22.0M |
自由现金流率EWBCTNET
| Q1 26 | — | — | ||
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 4.5% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | 6.1% | ||
| Q4 24 | — | 3.7% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | 1.8% |
资本支出强度EWBCTNET
| Q1 26 | — | — | ||
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 1.4% |
现金转化率EWBCTNET
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | — | ||
| Q3 25 | 0.63× | 2.12× | ||
| Q2 25 | 0.90× | 2.03× | ||
| Q1 25 | 0.96× | 1.12× | ||
| Q4 24 | 1.71× | — | ||
| Q3 24 | 1.29× | 1.87× | ||
| Q2 24 | 0.90× | 0.65× |
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
EWBC
暂无分部数据
TNET
| Insurance Services | $1.1B | 85% |
| Professional Services | $169.0M | 14% |
