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GREEN DOT CORP（GDOT）与森萨塔科技（ST）财务数据对比。点击上方公司名可切换其他公司
森萨塔科技的季度营收约是GREEN DOT CORP的1.9倍（$934.8M vs $498.6M），森萨塔科技净利率更高（9.3% vs -9.4%，领先18.7%），GREEN DOT CORP同比增速更快（14.3% vs 2.6%），森萨塔科技自由现金流更多（$104.6M vs $-76.3M），过去两年GREEN DOT CORP的营收复合增速更高（6.5% vs -5.0%）
绿点公司是总部位于美国得克萨斯州奥斯汀的金融科技及银行控股公司，按市值计算是全球规模最大的预付借记卡企业，同时经营支付平台业务，为Apple Cash、优步、Intuit提供技术平台支持。公司由史蒂夫·斯特赖特于1999年创立，最初面向青少年推出线上购物预付借记卡，2001年转型服务无银行账户及银行服务不足的群体。
森萨塔科技控股有限公司是全球领先的工业科技企业，主营传感器、电气保护及控制解决方案的研发、生产与销售，产品覆盖汽车、工业、航空航天、暖通空调、电信等多个下游领域，服务全球制造类企业客户。
GDOT vs ST — 直观对比
营收规模更大
ST
是对方的1.9倍
$498.6M
营收增速更快
GDOT
高出11.8%
2.6%
净利率更高
ST
高出18.7%
-9.4%
自由现金流更多
ST
多$180.9M
$-76.3M
两年增速更快
GDOT
近两年复合增速
-5.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $498.6M | $934.8M |
| 净利润 | $-46.8M | $87.1M |
| 毛利率 | — | 30.6% |
| 营业利润率 | -5.5% | 15.1% |
| 净利率 | -9.4% | 9.3% |
| 营收同比 | 14.3% | 2.6% |
| 净利润同比 | -1017.6% | 24.6% |
| 每股收益（稀释后） | — | $0.59 |
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GDOTST
| Q1 26 | — | $934.8M | ||
| Q4 25 | $498.6M | $917.9M | ||
| Q3 25 | $472.2M | $932.0M | ||
| Q2 25 | $482.7M | $943.4M | ||
| Q1 25 | $537.2M | $911.3M | ||
| Q4 24 | $436.1M | $907.7M | ||
| Q3 24 | $393.7M | $982.8M | ||
| Q2 24 | $392.5M | $1.0B |
净利润GDOTST
| Q1 26 | — | $87.1M | ||
| Q4 25 | $-46.8M | $63.2M | ||
| Q3 25 | $-30.8M | $-162.5M | ||
| Q2 25 | $-47.0M | $60.7M | ||
| Q1 25 | $25.8M | $69.9M | ||
| Q4 24 | $5.1M | $5.8M | ||
| Q3 24 | $-7.8M | $-25.0M | ||
| Q2 24 | $-28.7M | $71.7M |
毛利率GDOTST
| Q1 26 | — | 30.6% | ||
| Q4 25 | — | 29.0% | ||
| Q3 25 | — | 27.8% | ||
| Q2 25 | — | 30.3% | ||
| Q1 25 | — | 29.9% | ||
| Q4 24 | — | 27.1% | ||
| Q3 24 | — | 28.6% | ||
| Q2 24 | — | 30.0% |
营业利润率GDOTST
| Q1 26 | — | 15.1% | ||
| Q4 25 | -5.5% | 10.9% | ||
| Q3 25 | -7.0% | -13.2% | ||
| Q2 25 | 2.8% | 14.6% | ||
| Q1 25 | 11.3% | 13.4% | ||
| Q4 24 | 3.3% | 8.1% | ||
| Q3 24 | -0.7% | -20.3% | ||
| Q2 24 | -6.0% | 12.5% |
净利率GDOTST
| Q1 26 | — | 9.3% | ||
| Q4 25 | -9.4% | 6.9% | ||
| Q3 25 | -6.5% | -17.4% | ||
| Q2 25 | -9.7% | 6.4% | ||
| Q1 25 | 4.8% | 7.7% | ||
| Q4 24 | 1.2% | 0.6% | ||
| Q3 24 | -2.0% | -2.5% | ||
| Q2 24 | -7.3% | 6.9% |
每股收益（稀释后）GDOTST
| Q1 26 | — | $0.59 | ||
| Q4 25 | — | $0.45 | ||
| Q3 25 | — | $-1.12 | ||
| Q2 25 | — | $0.41 | ||
| Q1 25 | — | $0.47 | ||
| Q4 24 | — | $0.05 | ||
| Q3 24 | — | $-0.17 | ||
| Q2 24 | — | $0.47 |
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 | $1.4B | $635.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $890.2M | $2.9B |
| 总资产 | $6.0B | $6.8B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资GDOTST
| Q1 26 | — | $635.1M | ||
| Q4 25 | $1.4B | $573.0M | ||
| Q3 25 | $1.6B | $791.3M | ||
| Q2 25 | $2.3B | $661.8M | ||
| Q1 25 | $1.8B | $588.1M | ||
| Q4 24 | $1.6B | $593.7M | ||
| Q3 24 | $1.5B | $506.2M | ||
| Q2 24 | $1.3B | $1.0B |
总债务GDOTST
| Q1 26 | — | — | ||
| Q4 25 | — | $2.8B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $3.2B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益GDOTST
| Q1 26 | — | $2.9B | ||
| Q4 25 | $890.2M | $2.8B | ||
| Q3 25 | $913.3M | $2.7B | ||
| Q2 25 | $920.9M | $2.9B | ||
| Q1 25 | $947.7M | $2.8B | ||
| Q4 24 | $873.6M | $2.9B | ||
| Q3 24 | $932.2M | $3.0B | ||
| Q2 24 | $870.0M | $3.0B |
总资产GDOTST
| Q1 26 | — | $6.8B | ||
| Q4 25 | $6.0B | $6.8B | ||
| Q3 25 | $5.8B | $7.1B | ||
| Q2 25 | $5.6B | $7.3B | ||
| Q1 25 | $5.7B | $7.2B | ||
| Q4 24 | $5.4B | $7.1B | ||
| Q3 24 | $5.3B | $7.3B | ||
| Q2 24 | $5.5B | $8.2B |
负债/权益比GDOTST
| Q1 26 | — | — | ||
| Q4 25 | — | 1.02× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.11× | ||
| 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 | $-62.5M | $122.5M |
| 自由现金流经营现金流 - 资本支出 | $-76.3M | $104.6M |
| 自由现金流率自由现金流/营收 | -15.3% | 11.2% |
| 资本支出强度资本支出/营收 | 2.8% | — |
| 现金转化率经营现金流/净利润 | — | 1.41× |
| 过去12个月自由现金流最近4个季度 | $66.0M | $508.3M |
8季度趋势，按日历期对齐
经营现金流GDOTST
| Q1 26 | — | $122.5M | ||
| Q4 25 | $-62.5M | $201.5M | ||
| Q3 25 | $23.3M | $159.9M | ||
| Q2 25 | $69.0M | $140.9M | ||
| Q1 25 | $108.7M | $119.2M | ||
| Q4 24 | $-23.0M | $170.7M | ||
| Q3 24 | $-16.3M | $130.9M | ||
| Q2 24 | $31.5M | $143.5M |
自由现金流GDOTST
| Q1 26 | — | $104.6M | ||
| Q4 25 | $-76.3M | $151.9M | ||
| Q3 25 | $3.5M | $136.2M | ||
| Q2 25 | $49.5M | $115.5M | ||
| Q1 25 | $89.3M | $86.6M | ||
| Q4 24 | $-45.1M | $138.9M | ||
| Q3 24 | $-37.0M | $91.3M | ||
| Q2 24 | $14.5M | $98.4M |
自由现金流率GDOTST
| Q1 26 | — | 11.2% | ||
| Q4 25 | -15.3% | 16.6% | ||
| Q3 25 | 0.8% | 14.6% | ||
| Q2 25 | 10.3% | 12.2% | ||
| Q1 25 | 16.6% | 9.5% | ||
| Q4 24 | -10.3% | 15.3% | ||
| Q3 24 | -9.4% | 9.3% | ||
| Q2 24 | 3.7% | 9.5% |
资本支出强度GDOTST
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 5.4% | ||
| Q3 25 | 4.2% | 2.5% | ||
| Q2 25 | 4.0% | 2.7% | ||
| Q1 25 | 3.6% | 3.6% | ||
| Q4 24 | 5.1% | 3.5% | ||
| Q3 24 | 5.3% | 4.0% | ||
| Q2 24 | 4.3% | 4.4% |
现金转化率GDOTST
| Q1 26 | — | 1.41× | ||
| Q4 25 | — | 3.19× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 2.32× | ||
| Q1 25 | 4.22× | 1.70× | ||
| Q4 24 | -4.51× | 29.50× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 2.00× |
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
GDOT
| B2B Services | $375.4M | 75% |
| Interchange Revenues | $44.4M | 9% |
| Processing And Settlement Service | $38.6M | 8% |
| Money Movement Services | $37.4M | 8% |
ST
暂无分部数据
