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Fifth Third Bancorp（FITB）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
Fifth Third Bancorp的季度营收约是TRINET GROUP, INC.的1.2倍（$1.5B vs $1.2B），Fifth Third Bancorp同比增速更快（6.4% vs -2.2%），Fifth Third Bancorp自由现金流更多（$765.0M vs $43.0M）
Fifth Third Bancorp是总部位于美国俄亥俄州辛辛那提的银行控股集团，为美国大型银行之一，位列《财富》美国500强第321位。旗下银行在全美12个州共运营1087家分行及2400台自动柜员机，服务覆盖多区域市场。
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。
FITB vs TNET — 直观对比
营收规模更大
FITB
是对方的1.2倍
$1.2B
营收增速更快
FITB
高出8.6%
-2.2%
自由现金流更多
FITB
多$722.0M
$43.0M
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $1.2B |
| 净利润 | $730.0M | — |
| 毛利率 | — | — |
| 营业利润率 | 59.7% | 0.1% |
| 净利率 | 47.7% | — |
| 营收同比 | 6.4% | -2.2% |
| 净利润同比 | 17.7% | — |
| 每股收益（稀释后） | $1.03 | $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FITBTNET
| Q4 25 | $1.5B | $1.2B | ||
| Q3 25 | $1.5B | $1.2B | ||
| Q2 25 | $1.5B | $1.2B | ||
| Q1 25 | $1.4B | $1.3B | ||
| Q4 24 | $1.4B | $1.3B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.2B | ||
| Q1 24 | — | $1.3B |
净利润FITBTNET
| Q4 25 | $730.0M | — | ||
| Q3 25 | $649.0M | $34.0M | ||
| Q2 25 | $628.0M | $37.0M | ||
| Q1 25 | $515.0M | $85.0M | ||
| Q4 24 | $620.0M | — | ||
| Q3 24 | — | $45.0M | ||
| Q2 24 | — | $60.0M | ||
| Q1 24 | — | $91.0M |
营业利润率FITBTNET
| Q4 25 | 59.7% | 0.1% | ||
| Q3 25 | 55.1% | 4.1% | ||
| Q2 25 | 54.0% | 4.1% | ||
| Q1 25 | 45.4% | 8.9% | ||
| Q4 24 | 53.3% | -2.9% | ||
| Q3 24 | — | 4.7% | ||
| Q2 24 | — | 6.5% | ||
| Q1 24 | — | 9.7% |
净利率FITBTNET
| Q4 25 | 47.7% | — | ||
| Q3 25 | 42.7% | 2.8% | ||
| Q2 25 | 42.0% | 3.0% | ||
| Q1 25 | 35.8% | 6.6% | ||
| Q4 24 | 43.1% | — | ||
| Q3 24 | — | 3.6% | ||
| Q2 24 | — | 4.9% | ||
| Q1 24 | — | 7.2% |
每股收益（稀释后）FITBTNET
| Q4 25 | $1.03 | $0.02 | ||
| Q3 25 | $0.91 | $0.70 | ||
| Q2 25 | $0.88 | $0.77 | ||
| Q1 25 | $0.71 | $1.71 | ||
| Q4 24 | $0.85 | $-0.44 | ||
| Q3 24 | — | $0.89 | ||
| Q2 24 | — | $1.20 | ||
| Q1 24 | — | $1.78 |
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 | $13.6B | — |
| 股东权益账面价值 | $21.7B | $54.0M |
| 总资产 | $214.4B | $3.8B |
| 负债/权益比越低杠杆越低 | 0.63× | — |
8季度趋势，按日历期对齐
现金及短期投资FITBTNET
| Q4 25 | — | $287.0M | ||
| Q3 25 | — | $321.0M | ||
| Q2 25 | — | $407.0M | ||
| Q1 25 | — | $349.0M | ||
| Q4 24 | — | $360.0M | ||
| Q3 24 | — | $301.0M | ||
| Q2 24 | — | $249.0M | ||
| Q1 24 | — | $383.0M |
总债务FITBTNET
| Q4 25 | $13.6B | — | ||
| Q3 25 | $13.7B | — | ||
| Q2 25 | $14.5B | — | ||
| Q1 25 | $14.5B | — | ||
| Q4 24 | $14.3B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FITBTNET
| Q4 25 | $21.7B | $54.0M | ||
| Q3 25 | $21.1B | $110.0M | ||
| Q2 25 | $21.1B | $107.0M | ||
| Q1 25 | $20.4B | $63.0M | ||
| Q4 24 | $19.6B | $69.0M | ||
| Q3 24 | — | $129.0M | ||
| Q2 24 | — | $100.0M | ||
| Q1 24 | — | $143.0M |
总资产FITBTNET
| Q4 25 | $214.4B | $3.8B | ||
| Q3 25 | $212.9B | $3.4B | ||
| Q2 25 | $210.0B | $3.7B | ||
| Q1 25 | $212.7B | $3.8B | ||
| Q4 24 | $212.9B | $4.1B | ||
| Q3 24 | — | $3.7B | ||
| Q2 24 | — | $3.7B | ||
| Q1 24 | — | $4.0B |
负债/权益比FITBTNET
| Q4 25 | 0.63× | — | ||
| Q3 25 | 0.65× | — | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 0.71× | — | ||
| Q4 24 | 0.73× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $929.0M | $61.0M |
| 自由现金流经营现金流 - 资本支出 | $765.0M | $43.0M |
| 自由现金流率自由现金流/营收 | 50.0% | 3.4% |
| 资本支出强度资本支出/营收 | 10.7% | 1.4% |
| 现金转化率经营现金流/净利润 | 1.27× | — |
| 过去12个月自由现金流最近4个季度 | $3.9B | $234.0M |
8季度趋势，按日历期对齐
经营现金流FITBTNET
| Q4 25 | $929.0M | $61.0M | ||
| Q3 25 | $1.0B | $72.0M | ||
| Q2 25 | $1.3B | $75.0M | ||
| Q1 25 | $1.2B | $95.0M | ||
| Q4 24 | $-101.0M | $65.0M | ||
| Q3 24 | — | $84.0M | ||
| Q2 24 | — | $39.0M | ||
| Q1 24 | — | $91.0M |
自由现金流FITBTNET
| Q4 25 | $765.0M | $43.0M | ||
| Q3 25 | $886.0M | $55.0M | ||
| Q2 25 | $1.2B | $57.0M | ||
| Q1 25 | $1.1B | $79.0M | ||
| Q4 24 | $-246.0M | $47.0M | ||
| Q3 24 | — | $59.0M | ||
| Q2 24 | — | $22.0M | ||
| Q1 24 | — | $73.0M |
自由现金流率FITBTNET
| Q4 25 | 50.0% | 3.4% | ||
| Q3 25 | 58.3% | 4.5% | ||
| Q2 25 | 77.8% | 4.6% | ||
| Q1 25 | 77.7% | 6.1% | ||
| Q4 24 | -17.1% | 3.7% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | 1.8% | ||
| Q1 24 | — | 5.8% |
资本支出强度FITBTNET
| Q4 25 | 10.7% | 1.4% | ||
| Q3 25 | 10.5% | 1.4% | ||
| Q2 25 | 9.6% | 1.5% | ||
| Q1 25 | 8.1% | 1.2% | ||
| Q4 24 | 10.1% | 1.4% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.4% |
现金转化率FITBTNET
| Q4 25 | 1.27× | — | ||
| Q3 25 | 1.61× | 2.12× | ||
| Q2 25 | 2.08× | 2.03× | ||
| Q1 25 | 2.39× | 1.12× | ||
| Q4 24 | -0.16× | — | ||
| Q3 24 | — | 1.87× | ||
| Q2 24 | — | 0.65× | ||
| Q1 24 | — | 1.00× |
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
FITB
暂无分部数据
TNET
| Insurance Services | $1.1B | 85% |
| Professional Services | $169.0M | 14% |
