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FNB CORP（FNB）与VinFast Auto Ltd.（VFS）财务数据对比。点击上方公司名可切换其他公司
VinFast Auto Ltd.的季度营收约是FNB CORP的2.0倍（$718.6M vs $366.0M），FNB CORP净利率更高（45.9% vs -2.8%，领先48.7%）
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。
VinFast Auto Ltd.是越南跨国汽车企业，由越南最大私营综合企业集团之一Vingroup创立。Vingroup由越南知名企业家潘日旺创办，业务覆盖地产、零售、医疗、科技等多个领域，是越南本土头部企业集团。
FNB vs VFS — 直观对比
营收规模更大
VFS
是对方的2.0倍
$366.0M
净利率更高
FNB
高出48.7%
-2.8%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $366.0M | $718.6M |
| 净利润 | $168.0M | $-20.0M |
| 毛利率 | — | — |
| 营业利润率 | 45.1% | -96.1% |
| 净利率 | 45.9% | -2.8% |
| 营收同比 | 13.7% | — |
| 净利润同比 | 52.7% | — |
| 每股收益（稀释后） | $0.47 | — |
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FNBVFS
| Q4 25 | $366.0M | — | ||
| Q3 25 | $359.0M | $718.6M | ||
| Q2 25 | $348.0M | $663.0M | ||
| Q1 25 | $323.0M | $656.5M | ||
| Q4 24 | $322.0M | — | ||
| Q3 24 | $323.0M | $511.6M | ||
| Q2 24 | $316.0M | — | ||
| Q1 24 | $319.0M | $302.6M |
净利润FNBVFS
| Q4 25 | $168.0M | — | ||
| Q3 25 | $150.0M | $-20.0M | ||
| Q2 25 | $130.0M | $-51.8M | ||
| Q1 25 | $117.0M | $-26.1M | ||
| Q4 24 | $110.0M | — | ||
| Q3 24 | $110.0M | $-10.4M | ||
| Q2 24 | $123.0M | — | ||
| Q1 24 | $122.0M | $-618.3M |
营业利润率FNBVFS
| Q4 25 | 45.1% | — | ||
| Q3 25 | 52.9% | -96.1% | ||
| Q2 25 | 47.7% | -79.0% | ||
| Q1 25 | 45.8% | -74.0% | ||
| Q4 24 | 31.7% | — | ||
| Q3 24 | 43.3% | -65.9% | ||
| Q2 24 | 49.7% | — | ||
| Q1 24 | 48.9% | -139.4% |
净利率FNBVFS
| Q4 25 | 45.9% | — | ||
| Q3 25 | 41.8% | -2.8% | ||
| Q2 25 | 37.4% | -7.8% | ||
| Q1 25 | 36.2% | -4.0% | ||
| Q4 24 | 34.2% | — | ||
| Q3 24 | 34.1% | -2.0% | ||
| Q2 24 | 38.9% | — | ||
| Q1 24 | 38.2% | -204.3% |
每股收益（稀释后）FNBVFS
| Q4 25 | $0.47 | — | ||
| Q3 25 | $0.41 | — | ||
| Q2 25 | $0.36 | — | ||
| Q1 25 | $0.32 | — | ||
| Q4 24 | $0.31 | — | ||
| Q3 24 | $0.30 | — | ||
| Q2 24 | $0.34 | — | ||
| Q1 24 | $0.32 | — |
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 | $8.8M |
| 总债务越低越好 | $1.9B | — |
| 股东权益账面价值 | $6.8B | — |
| 总资产 | $50.2B | $183.2M |
| 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FNBVFS
| Q4 25 | $2.5B | — | ||
| Q3 25 | $2.4B | $8.8M | ||
| Q2 25 | $2.4B | $650.0M | ||
| Q1 25 | $2.4B | $2.4M | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.1B | $1.9M | ||
| Q2 24 | $1.9B | — | ||
| Q1 24 | $1.5B | $3.0M |
总债务FNBVFS
| 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FNBVFS
| Q4 25 | $6.8B | — | ||
| Q3 25 | $6.6B | — | ||
| Q2 25 | $6.5B | $-7.2B | ||
| Q1 25 | $6.4B | — | ||
| Q4 24 | $6.3B | — | ||
| Q3 24 | $6.2B | — | ||
| Q2 24 | $6.1B | — | ||
| Q1 24 | $6.0B | — |
总资产FNBVFS
| Q4 25 | $50.2B | — | ||
| Q3 25 | $49.9B | $183.2M | ||
| Q2 25 | $49.7B | $7.2B | ||
| Q1 25 | $49.0B | $158.2M | ||
| Q4 24 | $48.6B | — | ||
| Q3 24 | $48.0B | $151.8M | ||
| Q2 24 | $47.7B | — | ||
| Q1 24 | $45.9B | $145.6M |
负债/权益比FNBVFS
| 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 | — |
| 自由现金流经营现金流 - 资本支出 | $99.0M | — |
| 自由现金流率自由现金流/营收 | 27.0% | — |
| 资本支出强度资本支出/营收 | 7.9% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流FNBVFS
| Q4 25 | $128.0M | — | ||
| Q3 25 | $167.0M | — | ||
| Q2 25 | $123.0M | — | ||
| Q1 25 | $64.0M | — | ||
| Q4 24 | $326.0M | — | ||
| Q3 24 | $-14.0M | — | ||
| Q2 24 | $85.0M | — | ||
| Q1 24 | $245.0M | — |
自由现金流FNBVFS
| Q4 25 | $99.0M | — | ||
| Q3 25 | $149.0M | — | ||
| Q2 25 | $85.0M | — | ||
| Q1 25 | $43.0M | — | ||
| Q4 24 | $278.0M | — | ||
| Q3 24 | $-46.0M | — | ||
| Q2 24 | $55.0M | — | ||
| Q1 24 | $216.0M | — |
自由现金流率FNBVFS
| Q4 25 | 27.0% | — | ||
| Q3 25 | 41.5% | — | ||
| Q2 25 | 24.4% | — | ||
| Q1 25 | 13.3% | — | ||
| Q4 24 | 86.3% | — | ||
| Q3 24 | -14.2% | — | ||
| Q2 24 | 17.4% | — | ||
| Q1 24 | 67.7% | — |
资本支出强度FNBVFS
| Q4 25 | 7.9% | — | ||
| Q3 25 | 5.0% | — | ||
| Q2 25 | 10.9% | — | ||
| Q1 25 | 6.5% | — | ||
| Q4 24 | 14.9% | — | ||
| Q3 24 | 9.9% | — | ||
| Q2 24 | 9.5% | — | ||
| Q1 24 | 9.1% | — |
现金转化率FNBVFS
| 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
业务分部营收拆解
FNB
暂无分部数据
VFS
| Sales of vehicles | $662.9M | 92% |
| Sales of spare parts and components | $41.3M | 6% |
| Revenue from leasing activities | $12.3M | 2% |
| Finance income | $2.4M | 0% |
| Rendering of services | $1.2M | 0% |
