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FNB CORP（FNB）与Stitch Fix, Inc.（SFIX）财务数据对比。点击上方公司名可切换其他公司
FNB CORP的季度营收约是Stitch Fix, Inc.的1.1倍（$366.0M vs $342.1M），FNB CORP净利率更高（45.9% vs -1.9%，领先47.8%），FNB CORP同比增速更快（13.7% vs 7.3%），FNB CORP自由现金流更多（$99.0M vs $5.6M），过去两年FNB CORP的营收复合增速更高（7.1% vs 1.8%）
FNB集团是总部位于美国宾夕法尼亚州匹兹堡的多元化金融服务机构，为旗下最大子公司第一国民银行的控股主体，截至2025年12月31日总资产超500亿美元，业务覆盖匹兹堡、巴尔的摩、克利夫兰、华盛顿特区、北卡罗来纳州多座城市及南卡罗来纳州查尔斯顿等核心都会区。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
FNB vs SFIX — 直观对比
营收规模更大
FNB
是对方的1.1倍
$342.1M
营收增速更快
FNB
高出6.4%
7.3%
净利率更高
FNB
高出47.8%
-1.9%
自由现金流更多
FNB
多$93.4M
$5.6M
两年增速更快
FNB
近两年复合增速
1.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $366.0M | $342.1M |
| 净利润 | $168.0M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | 45.1% | -2.5% |
| 净利率 | 45.9% | -1.9% |
| 营收同比 | 13.7% | 7.3% |
| 净利润同比 | 52.7% | -1.7% |
| 每股收益（稀释后） | $0.47 | $-0.05 |
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FNBSFIX
| Q4 25 | $366.0M | $342.1M | ||
| Q3 25 | $359.0M | $311.2M | ||
| Q2 25 | $348.0M | $325.0M | ||
| Q1 25 | $323.0M | $312.1M | ||
| Q4 24 | $322.0M | $318.8M | ||
| Q3 24 | $323.0M | $319.6M | ||
| Q2 24 | $316.0M | $322.7M | ||
| Q1 24 | $319.0M | $330.4M |
净利润FNBSFIX
| Q4 25 | $168.0M | $-6.4M | ||
| Q3 25 | $150.0M | $-8.6M | ||
| Q2 25 | $130.0M | $-7.4M | ||
| Q1 25 | $117.0M | $-6.5M | ||
| Q4 24 | $110.0M | $-6.3M | ||
| Q3 24 | $110.0M | $-36.5M | ||
| Q2 24 | $123.0M | $-21.3M | ||
| Q1 24 | $122.0M | $-35.5M |
毛利率FNBSFIX
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 43.4% |
营业利润率FNBSFIX
| Q4 25 | 45.1% | -2.5% | ||
| Q3 25 | 52.9% | -3.6% | ||
| Q2 25 | 47.7% | -3.0% | ||
| Q1 25 | 45.8% | -2.9% | ||
| Q4 24 | 31.7% | -2.8% | ||
| Q3 24 | 43.3% | -13.1% | ||
| Q2 24 | 49.7% | -7.7% | ||
| Q1 24 | 48.9% | -11.5% |
净利率FNBSFIX
| Q4 25 | 45.9% | -1.9% | ||
| Q3 25 | 41.8% | -2.8% | ||
| Q2 25 | 37.4% | -2.3% | ||
| Q1 25 | 36.2% | -2.1% | ||
| Q4 24 | 34.2% | -2.0% | ||
| Q3 24 | 34.1% | -11.4% | ||
| Q2 24 | 38.9% | -6.6% | ||
| Q1 24 | 38.2% | -10.8% |
每股收益（稀释后）FNBSFIX
| Q4 25 | $0.47 | $-0.05 | ||
| Q3 25 | $0.41 | $-0.06 | ||
| Q2 25 | $0.36 | $-0.06 | ||
| Q1 25 | $0.32 | $-0.05 | ||
| Q4 24 | $0.31 | $-0.05 | ||
| Q3 24 | $0.30 | $-0.29 | ||
| Q2 24 | $0.34 | $-0.18 | ||
| Q1 24 | $0.32 | $-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 | $2.5B | $244.2M |
| 总债务越低越好 | $1.9B | — |
| 股东权益账面价值 | $6.8B | $204.1M |
| 总资产 | $50.2B | $530.7M |
| 负债/权益比越低杠杆越低 | 0.28× | — |
8季度趋势，按日历期对齐
现金及短期投资FNBSFIX
| Q4 25 | $2.5B | $244.2M | ||
| Q3 25 | $2.4B | $234.9M | ||
| Q2 25 | $2.4B | $234.2M | ||
| Q1 25 | $2.4B | $219.1M | ||
| Q4 24 | $2.4B | $253.3M | ||
| Q3 24 | $2.1B | $247.0M | ||
| Q2 24 | $1.9B | $244.5M | ||
| Q1 24 | $1.5B | $229.8M |
总债务FNBSFIX
| Q4 25 | $1.9B | — | ||
| Q3 25 | $2.1B | — | ||
| Q2 25 | $2.7B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $2.5B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $2.1B | — |
股东权益FNBSFIX
| Q4 25 | $6.8B | $204.1M | ||
| Q3 25 | $6.6B | $203.0M | ||
| Q2 25 | $6.5B | $200.4M | ||
| Q1 25 | $6.4B | $197.8M | ||
| Q4 24 | $6.3B | $190.5M | ||
| Q3 24 | $6.2B | $187.0M | ||
| Q2 24 | $6.1B | $208.9M | ||
| Q1 24 | $6.0B | $213.3M |
总资产FNBSFIX
| Q4 25 | $50.2B | $530.7M | ||
| Q3 25 | $49.9B | $480.6M | ||
| Q2 25 | $49.7B | $484.7M | ||
| Q1 25 | $49.0B | $472.6M | ||
| Q4 24 | $48.6B | $507.1M | ||
| Q3 24 | $48.0B | $486.9M | ||
| Q2 24 | $47.7B | $537.0M | ||
| Q1 24 | $45.9B | $538.3M |
负债/权益比FNBSFIX
| Q4 25 | 0.28× | — | ||
| Q3 25 | 0.32× | — | ||
| Q2 25 | 0.41× | — | ||
| Q1 25 | 0.39× | — | ||
| Q4 24 | 0.48× | — | ||
| Q3 24 | 0.40× | — | ||
| Q2 24 | 0.33× | — | ||
| Q1 24 | 0.35× | — |
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 | $128.0M | $10.9M |
| 自由现金流经营现金流 - 资本支出 | $99.0M | $5.6M |
| 自由现金流率自由现金流/营收 | 27.0% | 1.6% |
| 资本支出强度资本支出/营收 | 7.9% | 1.6% |
| 现金转化率经营现金流/净利润 | 0.76× | — |
| 过去12个月自由现金流最近4个季度 | $376.0M | $4.9M |
8季度趋势，按日历期对齐
经营现金流FNBSFIX
| Q4 25 | $128.0M | $10.9M | ||
| Q3 25 | $167.0M | $7.0M | ||
| Q2 25 | $123.0M | $20.5M | ||
| Q1 25 | $64.0M | $-16.2M | ||
| Q4 24 | $326.0M | $14.3M | ||
| Q3 24 | $-14.0M | $8.2M | ||
| Q2 24 | $85.0M | $21.7M | ||
| Q1 24 | $245.0M | $-22.3M |
自由现金流FNBSFIX
| Q4 25 | $99.0M | $5.6M | ||
| Q3 25 | $149.0M | $2.8M | ||
| Q2 25 | $85.0M | $16.0M | ||
| Q1 25 | $43.0M | $-19.4M | ||
| Q4 24 | $278.0M | $9.9M | ||
| Q3 24 | $-46.0M | $4.5M | ||
| Q2 24 | $55.0M | $18.9M | ||
| Q1 24 | $216.0M | $-26.1M |
自由现金流率FNBSFIX
| Q4 25 | 27.0% | 1.6% | ||
| Q3 25 | 41.5% | 0.9% | ||
| Q2 25 | 24.4% | 4.9% | ||
| Q1 25 | 13.3% | -6.2% | ||
| Q4 24 | 86.3% | 3.1% | ||
| Q3 24 | -14.2% | 1.4% | ||
| Q2 24 | 17.4% | 5.9% | ||
| Q1 24 | 67.7% | -7.9% |
资本支出强度FNBSFIX
| Q4 25 | 7.9% | 1.6% | ||
| Q3 25 | 5.0% | 1.4% | ||
| Q2 25 | 10.9% | 1.4% | ||
| Q1 25 | 6.5% | 1.0% | ||
| Q4 24 | 14.9% | 1.4% | ||
| Q3 24 | 9.9% | 1.2% | ||
| Q2 24 | 9.5% | 0.9% | ||
| Q1 24 | 9.1% | 1.1% |
现金转化率FNBSFIX
| Q4 25 | 0.76× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 0.95× | — | ||
| Q1 25 | 0.55× | — | ||
| Q4 24 | 2.96× | — | ||
| Q3 24 | -0.13× | — | ||
| Q2 24 | 0.69× | — | ||
| Q1 24 | 2.01× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
