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Shift4 Payments, Inc.（FOUR）与SouthState Bank Corp（SSB）财务数据对比。点击上方公司名可切换其他公司
Shift4 Payments, Inc.的季度营收约是SouthState Bank Corp的1.8倍（$1.2B vs $661.7M），SouthState Bank Corp净利率更高（34.1% vs 3.4%，领先30.7%），过去两年SouthState Bank Corp的营收复合增速更高（37.4% vs 29.6%）
Shift4 Payments是美国支付处理服务商，总部位于宾夕法尼亚州阿伦敦，1999年由贾里德·艾萨克曼创立。公司为零售、酒店、休闲、餐饮等行业超20万家商户提供支付处理服务，主营移动支付软硬件等商业技术，2020年于纽约证券交易所挂牌上市。
SouthState Bank总部位于美国佛罗里达州温特黑文，是银行控股公司SouthState Corporation旗下的银行子公司。截至2025年5月26日，该行已在南卡罗来纳、北卡罗来纳、佐治亚、佛罗里达、阿拉巴马、弗吉尼亚、科罗拉多、得克萨斯八州设有371家营业网点，为当地客户提供各类银行金融服务。
FOUR vs SSB — 直观对比
营收规模更大
FOUR
是对方的1.8倍
$661.7M
净利率更高
SSB
高出30.7%
3.4%
两年增速更快
SSB
近两年复合增速
29.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.2B | $661.7M |
| 净利润 | $40.2M | $225.8M |
| 毛利率 | — | — |
| 营业利润率 | 10.8% | 15.1% |
| 净利率 | 3.4% | 34.1% |
| 营收同比 | 34.0% | — |
| 净利润同比 | -65.3% | 153.5% |
| 每股收益（稀释后） | — | $2.28 |
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FOURSSB
| Q1 26 | — | $661.7M | ||
| Q4 25 | $1.2B | $581.1M | ||
| Q3 25 | $1.2B | $599.7M | ||
| Q2 25 | $966.2M | $577.9M | ||
| Q1 25 | $848.3M | $544.5M | ||
| Q4 24 | $887.0M | $369.8M | ||
| Q3 24 | $909.2M | $351.5M | ||
| Q2 24 | $827.0M | $350.3M |
净利润FOURSSB
| Q1 26 | — | $225.8M | ||
| Q4 25 | $40.2M | $247.7M | ||
| Q3 25 | $28.1M | $246.6M | ||
| Q2 25 | $34.0M | $215.2M | ||
| Q1 25 | $16.7M | $89.1M | ||
| Q4 24 | $116.0M | $144.2M | ||
| Q3 24 | $53.8M | $143.2M | ||
| Q2 24 | $39.2M | $132.4M |
营业利润率FOURSSB
| Q1 26 | — | 15.1% | ||
| Q4 25 | 10.8% | 54.3% | ||
| Q3 25 | 9.7% | 53.6% | ||
| Q2 25 | 8.6% | 48.8% | ||
| Q1 25 | 3.0% | 22.3% | ||
| Q4 24 | 9.7% | 50.7% | ||
| Q3 24 | 8.8% | 53.1% | ||
| Q2 24 | 7.2% | 49.3% |
净利率FOURSSB
| Q1 26 | — | 34.1% | ||
| Q4 25 | 3.4% | 42.6% | ||
| Q3 25 | 2.4% | 41.1% | ||
| Q2 25 | 3.5% | 37.2% | ||
| Q1 25 | 2.0% | 16.4% | ||
| Q4 24 | 13.1% | 39.0% | ||
| Q3 24 | 5.9% | 40.7% | ||
| Q2 24 | 4.7% | 37.8% |
每股收益（稀释后）FOURSSB
| Q1 26 | — | $2.28 | ||
| Q4 25 | — | $2.47 | ||
| Q3 25 | — | $2.42 | ||
| Q2 25 | — | $2.11 | ||
| Q1 25 | — | $0.87 | ||
| Q4 24 | — | $1.88 | ||
| Q3 24 | — | $1.86 | ||
| Q2 24 | — | $1.73 |
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 | $964.0M | $2.9B |
| 总债务越低越好 | $4.5B | — |
| 股东权益账面价值 | $1.4B | $9.0B |
| 总资产 | $8.7B | $68.0B |
| 负债/权益比越低杠杆越低 | 3.15× | — |
8季度趋势，按日历期对齐
现金及短期投资FOURSSB
| Q1 26 | — | $2.9B | ||
| Q4 25 | $964.0M | — | ||
| Q3 25 | $1.5B | — | ||
| Q2 25 | $3.0B | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $205.0M | — |
总债务FOURSSB
| Q1 26 | — | — | ||
| Q4 25 | $4.5B | — | ||
| Q3 25 | $4.7B | — | ||
| Q2 25 | $3.7B | — | ||
| Q1 25 | $2.8B | — | ||
| Q4 24 | $2.8B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益FOURSSB
| Q1 26 | — | $9.0B | ||
| Q4 25 | $1.4B | $9.1B | ||
| Q3 25 | $1.7B | $9.0B | ||
| Q2 25 | $1.6B | $8.8B | ||
| Q1 25 | $805.2M | $8.6B | ||
| Q4 24 | $806.6M | $5.9B | ||
| Q3 24 | $811.8M | $5.9B | ||
| Q2 24 | $700.8M | $5.7B |
总资产FOURSSB
| Q1 26 | — | $68.0B | ||
| Q4 25 | $8.7B | $67.2B | ||
| Q3 25 | $9.0B | $66.0B | ||
| Q2 25 | $7.0B | $65.9B | ||
| Q1 25 | $5.0B | $65.1B | ||
| Q4 24 | $5.0B | $46.4B | ||
| Q3 24 | $5.0B | $46.1B | ||
| Q2 24 | $3.5B | $45.5B |
负债/权益比FOURSSB
| Q1 26 | — | — | ||
| Q4 25 | 3.15× | — | ||
| Q3 25 | 2.83× | — | ||
| Q2 25 | 2.34× | — | ||
| Q1 25 | 3.53× | — | ||
| Q4 24 | 3.52× | — | ||
| Q3 24 | — | — | ||
| Q2 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 | $223.7M | — |
| 自由现金流经营现金流 - 资本支出 | $222.5M | — |
| 自由现金流率自由现金流/营收 | 18.7% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 现金转化率经营现金流/净利润 | 5.56× | — |
| 过去12个月自由现金流最近4个季度 | $624.0M | — |
8季度趋势，按日历期对齐
经营现金流FOURSSB
| Q1 26 | — | — | ||
| Q4 25 | $223.7M | $232.1M | ||
| Q3 25 | $171.8M | $122.4M | ||
| Q2 25 | $141.9M | $72.6M | ||
| Q1 25 | $96.6M | $-126.3M | ||
| Q4 24 | $145.4M | $354.3M | ||
| Q3 24 | $182.1M | $-246.8M | ||
| Q2 24 | $116.1M | $126.8M |
自由现金流FOURSSB
| Q1 26 | — | — | ||
| Q4 25 | $222.5M | $215.5M | ||
| Q3 25 | $165.4M | $101.7M | ||
| Q2 25 | $141.0M | $52.5M | ||
| Q1 25 | $95.1M | $-139.1M | ||
| Q4 24 | $143.8M | $340.9M | ||
| Q3 24 | $180.1M | $-254.2M | ||
| Q2 24 | $113.9M | $117.3M |
自由现金流率FOURSSB
| Q1 26 | — | — | ||
| Q4 25 | 18.7% | 37.1% | ||
| Q3 25 | 14.1% | 17.0% | ||
| Q2 25 | 14.6% | 9.1% | ||
| Q1 25 | 11.2% | -25.5% | ||
| Q4 24 | 16.2% | 92.2% | ||
| Q3 24 | 19.8% | -72.3% | ||
| Q2 24 | 13.8% | 33.5% |
资本支出强度FOURSSB
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 2.9% | ||
| Q3 25 | 0.5% | 3.5% | ||
| Q2 25 | 0.1% | 3.5% | ||
| Q1 25 | 0.2% | 2.4% | ||
| Q4 24 | 0.2% | 3.6% | ||
| Q3 24 | 0.2% | 2.1% | ||
| Q2 24 | 0.3% | 2.7% |
现金转化率FOURSSB
| Q1 26 | — | — | ||
| Q4 25 | 5.56× | 0.94× | ||
| Q3 25 | 6.11× | 0.50× | ||
| Q2 25 | 4.17× | 0.34× | ||
| Q1 25 | 5.78× | -1.42× | ||
| Q4 24 | 1.25× | 2.46× | ||
| Q3 24 | 3.38× | -1.72× | ||
| Q2 24 | 2.96× | 0.96× |
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
FOUR
| Payments Based Revenue | $788.8M | 66% |
| Other | $255.0M | 21% |
| Subscription And Other Revenues | $144.8M | 12% |
SSB
| Net Interest Income | $561.6M | 85% |
| Noninterest Income | $100.1M | 15% |
