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Finwise Bancorp（FINW）与Planet Labs PBC（PL）财务数据对比。点击上方公司名可切换其他公司
Planet Labs PBC的季度营收约是Finwise Bancorp的1.9倍（$81.3M vs $42.7M），Finwise Bancorp净利率更高（6.4% vs -72.8%，领先79.2%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs 17.5%）
Finwise Bancorp是一家总部位于美国的金融控股公司，主要通过旗下社区银行子公司开展业务，提供存款账户、个人贷款、抵押贷款、小微企业融资、财富管理等多元化金融服务，服务覆盖区域内的零售消费者和中小微企业客户。
Planet Labs PBC（常简称为Planet）是总部位于美国加利福尼亚州旧金山的上市地球影像企业，核心目标是实现全球范围的每日成像，以此监测地表变化、精准识别相关趋势，为多行业的地理数据分析需求提供可靠的数据支持。
FINW vs PL — 直观对比
营收规模更大
PL
是对方的1.9倍
$42.7M
净利率更高
FINW
高出79.2%
-72.8%
两年增速更快
FINW
近两年复合增速
17.5%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $81.3M |
| 净利润 | $2.7M | $-59.2M |
| 毛利率 | — | 57.3% |
| 营业利润率 | — | -22.6% |
| 净利率 | 6.4% | -72.8% |
| 营收同比 | — | 32.6% |
| 净利润同比 | — | -194.7% |
| 每股收益（稀释后） | $0.20 | $-0.19 |
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FINWPL
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $81.3M | ||
| Q3 25 | $36.7M | $73.4M | ||
| Q2 25 | $25.1M | $66.3M | ||
| Q1 25 | $22.1M | $61.6M | ||
| Q4 24 | $21.1M | $61.3M | ||
| Q3 24 | $20.8M | $61.1M | ||
| Q2 24 | $19.8M | $60.4M |
净利润FINWPL
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $-59.2M | ||
| Q3 25 | $4.9M | $-22.6M | ||
| Q2 25 | $4.1M | $-12.6M | ||
| Q1 25 | $3.2M | $-35.2M | ||
| Q4 24 | $2.8M | $-20.1M | ||
| Q3 24 | $3.5M | $-38.7M | ||
| Q2 24 | $3.2M | $-29.3M |
毛利率FINWPL
| Q1 26 | — | — | ||
| Q4 25 | — | 57.3% | ||
| Q3 25 | — | 57.6% | ||
| Q2 25 | — | 55.2% | ||
| Q1 25 | — | 62.1% | ||
| Q4 24 | — | 61.2% | ||
| Q3 24 | — | 52.9% | ||
| Q2 24 | — | 52.4% |
营业利润率FINWPL
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | -22.6% | ||
| Q3 25 | 17.5% | -24.5% | ||
| Q2 25 | 21.7% | -34.4% | ||
| Q1 25 | 20.1% | -31.5% | ||
| Q4 24 | 17.5% | -36.9% | ||
| Q3 24 | 22.2% | -64.8% | ||
| Q2 24 | 21.1% | -57.2% |
净利率FINWPL
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | -72.8% | ||
| Q3 25 | 13.3% | -30.8% | ||
| Q2 25 | 16.3% | -19.1% | ||
| Q1 25 | 14.4% | -57.1% | ||
| Q4 24 | 13.2% | -32.8% | ||
| Q3 24 | 16.6% | -63.3% | ||
| Q2 24 | 16.1% | -48.5% |
每股收益（稀释后）FINWPL
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $-0.19 | ||
| Q3 25 | $0.34 | $-0.07 | ||
| Q2 25 | $0.29 | $-0.04 | ||
| Q1 25 | $0.23 | $-0.12 | ||
| Q4 24 | $0.19 | $-0.07 | ||
| Q3 24 | $0.25 | $-0.13 | ||
| Q2 24 | $0.24 | $-0.10 |
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 | — | $443.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $196.6M | $349.6M |
| 总资产 | $899.4M | $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FINWPL
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $443.3M | ||
| Q3 25 | $105.6M | $181.1M | ||
| Q2 25 | $90.1M | $133.5M | ||
| Q1 25 | $120.3M | $118.0M | ||
| Q4 24 | $109.2M | $139.0M | ||
| Q3 24 | $85.8M | $148.3M | ||
| Q2 24 | $89.0M | $107.4M |
股东权益FINWPL
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $349.6M | ||
| Q3 25 | $187.8M | $435.7M | ||
| Q2 25 | $182.0M | $444.8M | ||
| Q1 25 | $177.4M | $441.3M | ||
| Q4 24 | $173.7M | $464.6M | ||
| Q3 24 | $170.4M | $473.2M | ||
| Q2 24 | $165.8M | $500.3M |
总资产FINWPL
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $1.1B | ||
| Q3 25 | $899.9M | $696.4M | ||
| Q2 25 | $842.5M | $658.4M | ||
| Q1 25 | $804.1M | $633.8M | ||
| Q4 24 | $746.0M | $630.8M | ||
| Q3 24 | $683.0M | $658.4M | ||
| Q2 24 | $617.8M | $674.6M |
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 | — | $28.6M |
| 自由现金流经营现金流 - 资本支出 | — | $1.9M |
| 自由现金流率自由现金流/营收 | — | 2.3% |
| 资本支出强度资本支出/营收 | — | 32.9% |
| 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 | — | $40.7M |
8季度趋势，按日历期对齐
经营现金流FINWPL
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $28.6M | ||
| Q3 25 | $3.5M | $67.8M | ||
| Q2 25 | $-18.3M | $17.3M | ||
| Q1 25 | $-21.6M | $-6.3M | ||
| Q4 24 | $-15.0M | $4.1M | ||
| Q3 24 | $-9.8M | $-7.9M | ||
| Q2 24 | $-7.6M | $-4.3M |
自由现金流FINWPL
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $1.9M | ||
| Q3 25 | $3.4M | $47.5M | ||
| Q2 25 | $-19.8M | $9.2M | ||
| Q1 25 | $-23.3M | $-17.9M | ||
| Q4 24 | $-16.1M | $-3.6M | ||
| Q3 24 | $-13.4M | $-23.0M | ||
| Q2 24 | $-7.7M | $-14.2M |
自由现金流率FINWPL
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | 2.3% | ||
| Q3 25 | 9.4% | 64.7% | ||
| Q2 25 | -79.0% | 13.9% | ||
| Q1 25 | -105.3% | -29.1% | ||
| Q4 24 | -76.0% | -5.8% | ||
| Q3 24 | -64.3% | -37.6% | ||
| Q2 24 | -38.7% | -23.6% |
资本支出强度FINWPL
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 32.9% | ||
| Q3 25 | 0.1% | 27.6% | ||
| Q2 25 | 5.8% | 12.3% | ||
| Q1 25 | 7.4% | 18.9% | ||
| Q4 24 | 5.1% | 12.5% | ||
| Q3 24 | 17.2% | 24.8% | ||
| Q2 24 | 0.3% | 16.4% |
现金转化率FINWPL
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | — | ||
| Q3 25 | 0.71× | — | ||
| Q2 25 | -4.48× | — | ||
| Q1 25 | -6.78× | — | ||
| Q4 24 | -5.37× | — | ||
| Q3 24 | -2.84× | — | ||
| Q2 24 | -2.39× | — |
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
FINW
| Net Interest Income | $28.1M | 66% |
| Noninterest Income | $14.6M | 34% |
PL
| Defense And Intelligence | $49.4M | 61% |
| Civil Government | $18.8M | 23% |
| Commercial | $13.1M | 16% |
