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FIRST CAPITAL INC（FCAP）与美国合众银行（SFBC）财务数据对比。点击上方公司名可切换其他公司
FIRST CAPITAL INC的季度营收约是美国合众银行的1.4倍（$13.5M vs $9.5M），FIRST CAPITAL INC同比增速更快（19.0% vs 1.5%），FIRST CAPITAL INC自由现金流更多（$19.9M vs $7.0M），过去两年FIRST CAPITAL INC的营收复合增速更高（13.4% vs 5.5%）
First Capital曾用名Future Capital Holdings，是印度一家非银行金融机构，主营债务融资业务。2018年12月，该机构与IDFC银行合并，组建IDFC第一银行，合并前其股票在印度国家证券交易所和孟买证券交易所挂牌上市。
美国合众银行是一家美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年，它是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，主营银行、投资、抵押贷款等相关金融服务。
FCAP vs SFBC — 直观对比
营收规模更大
FCAP
是对方的1.4倍
$9.5M
营收增速更快
FCAP
高出17.4%
1.5%
自由现金流更多
FCAP
多$12.9M
$7.0M
两年增速更快
FCAP
近两年复合增速
5.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $13.5M | $9.5M |
| 净利润 | $4.9M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 27.1% |
| 净利率 | 36.2% | — |
| 营收同比 | 19.0% | 1.5% |
| 净利润同比 | 49.6% | — |
| 每股收益（稀释后） | $1.45 | $0.87 |
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FCAPSFBC
| Q4 25 | $13.5M | $9.5M | ||
| Q3 25 | $13.3M | $9.8M | ||
| Q2 25 | $12.4M | $10.4M | ||
| Q1 25 | $11.4M | $9.2M | ||
| Q4 24 | $11.3M | $9.4M | ||
| Q3 24 | $10.9M | $9.1M | ||
| Q2 24 | $10.7M | $8.6M | ||
| Q1 24 | $10.5M | $8.6M |
净利润FCAPSFBC
| Q4 25 | $4.9M | — | ||
| Q3 25 | $4.5M | $1.7M | ||
| Q2 25 | $3.8M | $2.1M | ||
| Q1 25 | $3.2M | $1.2M | ||
| Q4 24 | $3.3M | — | ||
| Q3 24 | $2.9M | $1.2M | ||
| Q2 24 | $2.8M | $795.0K | ||
| Q1 24 | $3.0M | $770.0K |
营业利润率FCAPSFBC
| Q4 25 | — | 27.1% | ||
| Q3 25 | 41.8% | 21.3% | ||
| Q2 25 | 37.2% | 24.5% | ||
| Q1 25 | 34.2% | 15.9% | ||
| Q4 24 | 34.8% | 24.6% | ||
| Q3 24 | 31.5% | 15.6% | ||
| Q2 24 | 31.1% | 11.4% | ||
| Q1 24 | 33.0% | 10.9% |
净利率FCAPSFBC
| Q4 25 | 36.2% | — | ||
| Q3 25 | 33.8% | 17.3% | ||
| Q2 25 | 30.4% | 19.8% | ||
| Q1 25 | 28.3% | 12.7% | ||
| Q4 24 | 28.8% | — | ||
| Q3 24 | 26.5% | 12.7% | ||
| Q2 24 | 26.5% | 9.2% | ||
| Q1 24 | 28.1% | 9.0% |
每股收益（稀释后）FCAPSFBC
| Q4 25 | $1.45 | $0.87 | ||
| Q3 25 | $1.34 | $0.66 | ||
| Q2 25 | $1.13 | $0.79 | ||
| Q1 25 | $0.97 | $0.45 | ||
| Q4 24 | $0.97 | $0.74 | ||
| Q3 24 | $0.87 | $0.45 | ||
| Q2 24 | $0.85 | $0.31 | ||
| Q1 24 | $0.88 | $0.30 |
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 | — | $138.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $137.8M | $109.4M |
| 总资产 | $1.3B | $1.1B |
| 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FCAPSFBC
| Q4 25 | — | $138.5M | ||
| Q3 25 | — | $101.2M | ||
| Q2 25 | — | $102.5M | ||
| Q1 25 | — | $131.5M | ||
| Q4 24 | — | $43.6M | ||
| Q3 24 | — | $148.9M | ||
| Q2 24 | — | $135.1M | ||
| Q1 24 | — | $138.0M |
股东权益FCAPSFBC
| Q4 25 | $137.8M | $109.4M | ||
| Q3 25 | $132.4M | $107.5M | ||
| Q2 25 | $123.2M | $106.0M | ||
| Q1 25 | $120.1M | $104.4M | ||
| Q4 24 | $114.6M | $103.7M | ||
| Q3 24 | $116.8M | $102.2M | ||
| Q2 24 | $107.8M | $101.3M | ||
| Q1 24 | $105.7M | $101.0M |
总资产FCAPSFBC
| Q4 25 | $1.3B | $1.1B | ||
| Q3 25 | $1.2B | $1.1B | ||
| Q2 25 | $1.2B | $1.1B | ||
| Q1 25 | $1.2B | $1.1B | ||
| Q4 24 | $1.2B | $993.6M | ||
| Q3 24 | $1.2B | $1.1B | ||
| Q2 24 | $1.2B | $1.1B | ||
| Q1 24 | $1.2B | $1.1B |
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 | $21.3M | $7.2M |
| 自由现金流经营现金流 - 资本支出 | $19.9M | $7.0M |
| 自由现金流率自由现金流/营收 | 147.7% | 73.4% |
| 资本支出强度资本支出/营收 | 10.0% | 1.8% |
| 现金转化率经营现金流/净利润 | 4.36× | — |
| 过去12个月自由现金流最近4个季度 | $35.3M | $12.0M |
8季度趋势，按日历期对齐
经营现金流FCAPSFBC
| Q4 25 | $21.3M | $7.2M | ||
| Q3 25 | $7.9M | $3.8M | ||
| Q2 25 | $3.7M | $-494.0K | ||
| Q1 25 | $4.4M | $1.9M | ||
| Q4 24 | $22.3M | $2.9M | ||
| Q3 24 | $7.6M | $3.3M | ||
| Q2 24 | $3.5M | $-4.0M | ||
| Q1 24 | $7.2M | $3.5M |
自由现金流FCAPSFBC
| Q4 25 | $19.9M | $7.0M | ||
| Q3 25 | $7.8M | $3.8M | ||
| Q2 25 | $3.5M | $-518.0K | ||
| Q1 25 | $4.2M | $1.8M | ||
| Q4 24 | $21.6M | $2.9M | ||
| Q3 24 | $7.5M | $3.2M | ||
| Q2 24 | $3.3M | $-5.6M | ||
| Q1 24 | $7.1M | $1.9M |
自由现金流率FCAPSFBC
| Q4 25 | 147.7% | 73.4% | ||
| Q3 25 | 58.6% | 38.3% | ||
| Q2 25 | 27.8% | -5.0% | ||
| Q1 25 | 36.5% | 19.8% | ||
| Q4 24 | 190.7% | 30.4% | ||
| Q3 24 | 68.6% | 35.5% | ||
| Q2 24 | 31.2% | -65.4% | ||
| Q1 24 | 67.2% | 22.2% |
资本支出强度FCAPSFBC
| Q4 25 | 10.0% | 1.8% | ||
| Q3 25 | 1.2% | 0.4% | ||
| Q2 25 | 2.2% | 0.2% | ||
| Q1 25 | 1.9% | 0.4% | ||
| Q4 24 | 6.3% | 0.8% | ||
| Q3 24 | 0.8% | 0.5% | ||
| Q2 24 | 1.4% | 18.7% | ||
| Q1 24 | 1.5% | 19.0% |
现金转化率FCAPSFBC
| Q4 25 | 4.36× | — | ||
| Q3 25 | 1.77× | 2.24× | ||
| Q2 25 | 0.99× | -0.24× | ||
| Q1 25 | 1.36× | 1.59× | ||
| Q4 24 | 6.84× | — | ||
| Q3 24 | 2.62× | 2.84× | ||
| Q2 24 | 1.23× | -5.05× | ||
| Q1 24 | 2.45× | 4.57× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
