vs
FinVolution Group（FINV）与LendingTree, Inc.（TREE）财务数据对比。点击上方公司名可切换其他公司
FinVolution Group的季度营收约是LendingTree, Inc.的1.5倍（$479.7M vs $319.7M）。LendingTree, Inc.净利率更高（45.2% vs 21.2%，领先24.1%）。FinVolution Group自由现金流更多（$70.6M vs $13.5M）
该公司是面向商用及民用客户的通风设备制造商，总部位于西萨塞克斯郡克劳利，在伦敦证券交易所上市，是富时250指数的成分股之一，在行业内拥有成熟的业务布局与稳定的市场地位。
LendingTree, Inc.是1996年成立的在线借贷交易平台，总部位于北卡罗来纳州夏洛特。该平台对接潜在借款用户与多家贷款机构，可提供贷款、信用卡、存款账户、保险等多种金融产品服务，支持用户对比不同机构的利率与条款，还配套提供金融工具、贷款查询及借贷相关资讯服务。
FINV vs TREE — 直观对比
营收规模更大
FINV
是对方的1.5倍
$319.7M
净利率更高
TREE
高出24.1%
21.2%
自由现金流更多
FINV
多$57.1M
$13.5M
损益表 — Q1 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $479.7M | $319.7M |
| 净利润 | $101.7M | $144.7M |
| 毛利率 | — | 29.2% |
| 营业利润率 | 44.6% | 7.0% |
| 净利率 | 21.2% | 45.2% |
| 营收同比 | — | 22.2% |
| 净利润同比 | — | 1827.2% |
| 每股收益（稀释后） | — | $10.32 |
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FINVTREE
| Q4 25 | — | $319.7M | ||
| Q3 25 | — | $307.8M | ||
| Q2 25 | — | $250.1M | ||
| Q1 25 | $479.7M | $239.7M | ||
| Q4 24 | — | $261.5M | ||
| Q3 24 | — | $260.8M | ||
| Q2 24 | — | $210.1M | ||
| Q1 24 | — | $167.8M |
净利润FINVTREE
| Q4 25 | — | $144.7M | ||
| Q3 25 | — | $10.2M | ||
| Q2 25 | — | $8.9M | ||
| Q1 25 | $101.7M | $-12.4M | ||
| Q4 24 | — | $7.5M | ||
| Q3 24 | — | $-58.0M | ||
| Q2 24 | — | $7.8M | ||
| Q1 24 | — | $1.0M |
毛利率FINVTREE
| Q4 25 | — | 29.2% | ||
| Q3 25 | — | 30.7% | ||
| Q2 25 | — | 34.0% | ||
| Q1 25 | — | 32.9% | ||
| Q4 24 | — | 33.6% | ||
| Q3 24 | — | 30.2% | ||
| Q2 24 | — | 34.5% | ||
| Q1 24 | — | 42.0% |
营业利润率FINVTREE
| Q4 25 | — | 7.0% | ||
| Q3 25 | — | 9.3% | ||
| Q2 25 | — | 8.4% | ||
| Q1 25 | 44.6% | -3.0% | ||
| Q4 24 | — | 6.9% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | 4.6% | ||
| Q1 24 | — | 4.3% |
净利率FINVTREE
| Q4 25 | — | 45.2% | ||
| Q3 25 | — | 3.3% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | 21.2% | -5.2% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | -22.2% | ||
| Q2 24 | — | 3.7% | ||
| Q1 24 | — | 0.6% |
每股收益（稀释后）FINVTREE
| Q4 25 | — | $10.32 | ||
| Q3 25 | — | $0.73 | ||
| Q2 25 | — | $0.65 | ||
| Q1 25 | — | $-0.92 | ||
| Q4 24 | — | $0.54 | ||
| Q3 24 | — | $-4.34 | ||
| Q2 24 | — | $0.58 | ||
| Q1 24 | — | $0.08 |
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 | $745.0M | $81.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | — | $286.8M |
| 总资产 | $3.4B | $855.7M |
| 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FINVTREE
| Q4 25 | — | $81.1M | ||
| Q3 25 | — | $68.6M | ||
| Q2 25 | — | $149.1M | ||
| Q1 25 | $745.0M | $126.4M | ||
| Q4 24 | — | $106.6M | ||
| Q3 24 | — | $96.8M | ||
| Q2 24 | — | $66.8M | ||
| Q1 24 | — | $230.7M |
股东权益FINVTREE
| Q4 25 | — | $286.8M | ||
| Q3 25 | — | $132.4M | ||
| Q2 25 | — | $118.1M | ||
| Q1 25 | — | $103.7M | ||
| Q4 24 | — | $108.8M | ||
| Q3 24 | — | $94.3M | ||
| Q2 24 | — | $145.8M | ||
| Q1 24 | — | $131.5M |
总资产FINVTREE
| Q4 25 | — | $855.7M | ||
| Q3 25 | — | $759.9M | ||
| Q2 25 | — | $835.8M | ||
| Q1 25 | $3.4B | $777.1M | ||
| Q4 24 | — | $767.7M | ||
| Q3 24 | — | $787.2M | ||
| Q2 24 | — | $802.2M | ||
| Q1 24 | — | $926.7M |
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 | $72.0M | $16.5M |
| 自由现金流经营现金流 - 资本支出 | $70.6M | $13.5M |
| 自由现金流率自由现金流/营收 | 14.7% | 4.2% |
| 资本支出强度资本支出/营收 | 0.3% | 0.9% |
| 现金转化率经营现金流/净利润 | 0.71× | 0.11× |
| 过去12个月自由现金流最近4个季度 | — | $60.7M |
8季度趋势，按日历期对齐
经营现金流FINVTREE
| Q4 25 | — | $16.5M | ||
| Q3 25 | — | $28.8M | ||
| Q2 25 | — | $28.0M | ||
| Q1 25 | $72.0M | $-210.0K | ||
| Q4 24 | — | $16.2M | ||
| Q3 24 | — | $45.3M | ||
| Q2 24 | — | $-4.9M | ||
| Q1 24 | — | $5.7M |
自由现金流FINVTREE
| Q4 25 | — | $13.5M | ||
| Q3 25 | — | $25.6M | ||
| Q2 25 | — | $25.2M | ||
| Q1 25 | $70.6M | $-3.6M | ||
| Q4 24 | — | $13.4M | ||
| Q3 24 | — | $42.3M | ||
| Q2 24 | — | $-7.7M | ||
| Q1 24 | — | $3.0M |
自由现金流率FINVTREE
| Q4 25 | — | 4.2% | ||
| Q3 25 | — | 8.3% | ||
| Q2 25 | — | 10.1% | ||
| Q1 25 | 14.7% | -1.5% | ||
| Q4 24 | — | 5.1% | ||
| Q3 24 | — | 16.2% | ||
| Q2 24 | — | -3.7% | ||
| Q1 24 | — | 1.8% |
资本支出强度FINVTREE
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | 0.3% | 1.4% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 1.6% |
现金转化率FINVTREE
| Q4 25 | — | 0.11× | ||
| Q3 25 | — | 2.84× | ||
| Q2 25 | — | 3.15× | ||
| Q1 25 | 0.71× | — | ||
| Q4 24 | — | 2.16× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -0.64× | ||
| Q1 24 | — | 5.62× |
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
FINV
暂无分部数据
TREE
| Insurance Segment | $214.6M | 67% |
| Other Consumer | $39.5M | 12% |
| Home Segment | $36.2M | 11% |
| Personal Loans | $29.1M | 9% |
