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Fifth Third Bancorp（FITB）与U-Haul Holding Co（UHAL）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U-Haul Holding Co的1.1倍（$1.5B vs $1.4B），Fifth Third Bancorp净利率更高（47.7% vs 2.6%，领先45.1%），Fifth Third Bancorp同比增速更快（6.4% vs 1.9%），Fifth Third Bancorp自由现金流更多（$765.0M vs $-447.6M）
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。
U-Haul控股公司是总部位于美国亚利桑那州凤凰城的移动货车、拖车及自助仓储租赁企业，1945年由伦纳德·肖恩与安娜·玛丽·卡蒂在华盛顿州里奇菲尔德创立，最初起步于卡蒂家族的车库，后通过加油站加盟模式扩张，业务覆盖美国全部50个州及加拿大10个省份。
FITB vs UHAL — 直观对比
营收规模更大
FITB
是对方的1.1倍
$1.4B
营收增速更快
FITB
高出4.4%
1.9%
净利率更高
FITB
高出45.1%
2.6%
自由现金流更多
FITB
多$1.2B
$-447.6M
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $1.4B |
| 净利润 | $730.0M | $37.0M |
| 毛利率 | — | 96.4% |
| 营业利润率 | 59.7% | 2.4% |
| 净利率 | 47.7% | 2.6% |
| 营收同比 | 6.4% | 1.9% |
| 净利润同比 | 17.7% | -45.0% |
| 每股收益（稀释后） | $1.03 | — |
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FITBUHAL
| Q4 25 | $1.5B | $1.4B | ||
| Q3 25 | $1.5B | $1.7B | ||
| Q2 25 | $1.5B | $232.1M | ||
| Q1 25 | $1.4B | — | ||
| Q4 24 | $1.4B | — |
净利润FITBUHAL
| Q4 25 | $730.0M | $37.0M | ||
| Q3 25 | $649.0M | $105.5M | ||
| Q2 25 | $628.0M | $142.3M | ||
| Q1 25 | $515.0M | — | ||
| Q4 24 | $620.0M | — |
毛利率FITBUHAL
| Q4 25 | — | 96.4% | ||
| Q3 25 | — | 96.1% | ||
| Q2 25 | — | 68.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — |
营业利润率FITBUHAL
| Q4 25 | 59.7% | 2.4% | ||
| Q3 25 | 55.1% | 12.7% | ||
| Q2 25 | 54.0% | — | ||
| Q1 25 | 45.4% | — | ||
| Q4 24 | 53.3% | — |
净利率FITBUHAL
| Q4 25 | 47.7% | 2.6% | ||
| Q3 25 | 42.7% | 6.1% | ||
| Q2 25 | 42.0% | 61.3% | ||
| Q1 25 | 35.8% | — | ||
| Q4 24 | 43.1% | — |
每股收益（稀释后）FITBUHAL
| Q4 25 | $1.03 | — | ||
| Q3 25 | $0.91 | — | ||
| Q2 25 | $0.88 | — | ||
| Q1 25 | $0.71 | — | ||
| Q4 24 | $0.85 | — |
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 | — | $1.0B |
| 总债务越低越好 | $13.6B | $8.1B |
| 股东权益账面价值 | $21.7B | $7.7B |
| 总资产 | $214.4B | $21.6B |
| 负债/权益比越低杠杆越低 | 0.63× | 1.04× |
8季度趋势，按日历期对齐
现金及短期投资FITBUHAL
| Q4 25 | — | $1.0B | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $877.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — |
总债务FITBUHAL
| Q4 25 | $13.6B | $8.1B | ||
| Q3 25 | $13.7B | $7.7B | ||
| Q2 25 | $14.5B | — | ||
| Q1 25 | $14.5B | — | ||
| Q4 24 | $14.3B | — |
股东权益FITBUHAL
| Q4 25 | $21.7B | $7.7B | ||
| Q3 25 | $21.1B | $7.8B | ||
| Q2 25 | $21.1B | $7.7B | ||
| Q1 25 | $20.4B | — | ||
| Q4 24 | $19.6B | — |
总资产FITBUHAL
| Q4 25 | $214.4B | $21.6B | ||
| Q3 25 | $212.9B | $21.4B | ||
| Q2 25 | $210.0B | $20.8B | ||
| Q1 25 | $212.7B | — | ||
| Q4 24 | $212.9B | — |
负债/权益比FITBUHAL
| Q4 25 | 0.63× | 1.04× | ||
| Q3 25 | 0.65× | 1.00× | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 0.71× | — | ||
| Q4 24 | 0.73× | — |
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 | $240.6M |
| 自由现金流经营现金流 - 资本支出 | $765.0M | $-447.6M |
| 自由现金流率自由现金流/营收 | 50.0% | -31.6% |
| 资本支出强度资本支出/营收 | 10.7% | 48.6% |
| 现金转化率经营现金流/净利润 | 1.27× | 6.51× |
| 过去12个月自由现金流最近4个季度 | $3.9B | — |
8季度趋势，按日历期对齐
经营现金流FITBUHAL
| Q4 25 | $929.0M | $240.6M | ||
| Q3 25 | $1.0B | $551.6M | ||
| Q2 25 | $1.3B | $598.4M | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $-101.0M | — |
自由现金流FITBUHAL
| Q4 25 | $765.0M | $-447.6M | ||
| Q3 25 | $886.0M | $-446.3M | ||
| Q2 25 | $1.2B | $-318.2M | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $-246.0M | — |
自由现金流率FITBUHAL
| Q4 25 | 50.0% | -31.6% | ||
| Q3 25 | 58.3% | -25.9% | ||
| Q2 25 | 77.8% | -137.1% | ||
| Q1 25 | 77.7% | — | ||
| Q4 24 | -17.1% | — |
资本支出强度FITBUHAL
| Q4 25 | 10.7% | 48.6% | ||
| Q3 25 | 10.5% | 58.0% | ||
| Q2 25 | 9.6% | 395.0% | ||
| Q1 25 | 8.1% | — | ||
| Q4 24 | 10.1% | — |
现金转化率FITBUHAL
| Q4 25 | 1.27× | 6.51× | ||
| Q3 25 | 1.61× | 5.23× | ||
| Q2 25 | 2.08× | 4.20× | ||
| Q1 25 | 2.39× | — | ||
| Q4 24 | -0.16× | — |
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
UHAL
| Long Term Contract With Customer | $1.2B | 82% |
| CA | $74.0M | 5% |
| Life Insurance | $56.2M | 4% |
| Accident And Health Insurance Segment | $49.8M | 4% |
| Investments Segment | $47.3M | 3% |
| Property And Casualty Insurance | $42.5M | 3% |
| Mercury | $1.6M | 0% |
