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GRID DYNAMICS HOLDINGS, INC.（GDYN）与合众银行（STBA）财务数据对比。点击上方公司名可切换其他公司
GRID DYNAMICS HOLDINGS, INC.的季度营收约是合众银行的1.0倍（$106.2M vs $102.1M），合众银行净利率更高（34.4% vs 0.3%，领先34.1%），过去两年GRID DYNAMICS HOLDINGS, INC.的营收复合增速更高（15.3% vs 2.6%）
Escape Dynamics Inc.是一家总部位于科罗拉多州的科技企业，活跃于2010年至2015年，核心业务方向是研发可单级入轨、依靠电磁驱动的可重复使用航天飞机，并推动该项目实现商业化落地。
合众银行是总部位于美国明尼苏达州明尼阿波利斯、注册地为特拉华州的跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构。旗下核心运营主体为美国合众银行全国协会，以“U.S. Bank”品牌开展业务，提供银行、投资、抵押贷款等多元金融服务。
GDYN vs STBA — 直观对比
营收规模更大
GDYN
是对方的1.0倍
$102.1M
净利率更高
STBA
高出34.1%
0.3%
两年增速更快
GDYN
近两年复合增速
2.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $106.2M | $102.1M |
| 净利润 | $306.0K | $35.1M |
| 毛利率 | 34.0% | — |
| 营业利润率 | 0.5% | — |
| 净利率 | 0.3% | 34.4% |
| 营收同比 | 5.9% | — |
| 净利润同比 | -93.2% | 5.0% |
| 每股收益（稀释后） | $0.01 | $0.94 |
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GDYNSTBA
| Q1 26 | — | $102.1M | ||
| Q4 25 | $106.2M | $105.3M | ||
| Q3 25 | $104.2M | $103.0M | ||
| Q2 25 | $101.1M | $100.1M | ||
| Q1 25 | $100.4M | $93.8M | ||
| Q4 24 | $100.3M | $94.3M | ||
| Q3 24 | $87.4M | $96.4M | ||
| Q2 24 | $83.0M | $96.9M |
净利润GDYNSTBA
| Q1 26 | — | $35.1M | ||
| Q4 25 | $306.0K | $34.0M | ||
| Q3 25 | $1.2M | $35.0M | ||
| Q2 25 | $5.3M | $31.9M | ||
| Q1 25 | $2.9M | $33.4M | ||
| Q4 24 | $4.5M | $33.1M | ||
| Q3 24 | $4.3M | $32.6M | ||
| Q2 24 | $-817.0K | $34.4M |
毛利率GDYNSTBA
| Q1 26 | — | — | ||
| Q4 25 | 34.0% | — | ||
| Q3 25 | 33.3% | — | ||
| Q2 25 | 34.1% | — | ||
| Q1 25 | 36.8% | — | ||
| Q4 24 | 36.9% | — | ||
| Q3 24 | 37.4% | — | ||
| Q2 24 | 35.6% | — |
营业利润率GDYNSTBA
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 40.3% | ||
| Q3 25 | -0.2% | 42.6% | ||
| Q2 25 | -0.1% | 40.0% | ||
| Q1 25 | -2.0% | 44.5% | ||
| Q4 24 | 1.3% | 43.8% | ||
| Q3 24 | 2.4% | 43.0% | ||
| Q2 24 | 0.0% | 44.2% |
净利率GDYNSTBA
| Q1 26 | — | 34.4% | ||
| Q4 25 | 0.3% | 32.3% | ||
| Q3 25 | 1.1% | 33.9% | ||
| Q2 25 | 5.2% | 31.9% | ||
| Q1 25 | 2.9% | 35.6% | ||
| Q4 24 | 4.5% | 35.1% | ||
| Q3 24 | 4.9% | 33.8% | ||
| Q2 24 | -1.0% | 35.5% |
每股收益（稀释后）GDYNSTBA
| Q1 26 | — | $0.94 | ||
| Q4 25 | $0.01 | $0.88 | ||
| Q3 25 | $0.01 | $0.91 | ||
| Q2 25 | $0.06 | $0.83 | ||
| Q1 25 | $0.03 | $0.87 | ||
| Q4 24 | $0.06 | $0.86 | ||
| Q3 24 | $0.05 | $0.85 | ||
| Q2 24 | $-0.01 | $0.89 |
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 | $342.1M | — |
| 总债务越低越好 | — | $100.8M |
| 股东权益账面价值 | $542.1M | $1.4B |
| 总资产 | $612.9M | $9.9B |
| 负债/权益比越低杠杆越低 | — | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资GDYNSTBA
| Q1 26 | — | — | ||
| Q4 25 | $342.1M | $163.4M | ||
| Q3 25 | $338.6M | $196.2M | ||
| Q2 25 | $336.8M | $203.1M | ||
| Q1 25 | $325.5M | $211.8M | ||
| Q4 24 | $334.7M | $244.8M | ||
| Q3 24 | $231.3M | $228.1M | ||
| Q2 24 | $256.0M | $246.3M |
总债务GDYNSTBA
| Q1 26 | — | $100.8M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益GDYNSTBA
| Q1 26 | — | $1.4B | ||
| Q4 25 | $542.1M | $1.5B | ||
| Q3 25 | $537.7M | $1.5B | ||
| Q2 25 | $532.2M | $1.4B | ||
| Q1 25 | $517.4M | $1.4B | ||
| Q4 24 | $517.8M | $1.4B | ||
| Q3 24 | $400.2M | $1.4B | ||
| Q2 24 | $388.4M | $1.3B |
总资产GDYNSTBA
| Q1 26 | — | $9.9B | ||
| Q4 25 | $612.9M | $9.9B | ||
| Q3 25 | $613.2M | $9.8B | ||
| Q2 25 | $608.9M | $9.8B | ||
| Q1 25 | $590.9M | $9.7B | ||
| Q4 24 | $592.2M | $9.7B | ||
| Q3 24 | $477.3M | $9.6B | ||
| Q2 24 | $443.6M | $9.6B |
负债/权益比GDYNSTBA
| Q1 26 | — | 0.07× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| 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 | $9.9M | — |
| 自由现金流经营现金流 - 资本支出 | $6.1M | — |
| 自由现金流率自由现金流/营收 | 5.7% | — |
| 资本支出强度资本支出/营收 | 3.6% | — |
| 现金转化率经营现金流/净利润 | 32.34× | — |
| 过去12个月自由现金流最近4个季度 | $25.3M | — |
8季度趋势，按日历期对齐
经营现金流GDYNSTBA
| Q1 26 | — | — | ||
| Q4 25 | $9.9M | $133.6M | ||
| Q3 25 | $7.0M | $40.5M | ||
| Q2 25 | $14.4M | $28.3M | ||
| Q1 25 | $9.4M | $28.7M | ||
| Q4 24 | $7.1M | $173.4M | ||
| Q3 24 | $9.2M | $27.6M | ||
| Q2 24 | $10.7M | $44.7M |
自由现金流GDYNSTBA
| Q1 26 | — | — | ||
| Q4 25 | $6.1M | $128.8M | ||
| Q3 25 | $2.9M | $39.9M | ||
| Q2 25 | $10.2M | $27.1M | ||
| Q1 25 | $6.0M | $27.0M | ||
| Q4 24 | $4.4M | $170.4M | ||
| Q3 24 | $5.9M | $26.9M | ||
| Q2 24 | $8.0M | $43.9M |
自由现金流率GDYNSTBA
| Q1 26 | — | — | ||
| Q4 25 | 5.7% | 122.4% | ||
| Q3 25 | 2.8% | 38.7% | ||
| Q2 25 | 10.1% | 27.1% | ||
| Q1 25 | 6.0% | 28.8% | ||
| Q4 24 | 4.4% | 180.7% | ||
| Q3 24 | 6.8% | 28.0% | ||
| Q2 24 | 9.7% | 45.3% |
资本支出强度GDYNSTBA
| Q1 26 | — | — | ||
| Q4 25 | 3.6% | 4.5% | ||
| Q3 25 | 3.9% | 0.6% | ||
| Q2 25 | 4.1% | 1.2% | ||
| Q1 25 | 3.3% | 1.8% | ||
| Q4 24 | 2.6% | 3.1% | ||
| Q3 24 | 3.7% | 0.7% | ||
| Q2 24 | 3.2% | 0.9% |
现金转化率GDYNSTBA
| Q1 26 | — | — | ||
| Q4 25 | 32.34× | 3.93× | ||
| Q3 25 | 5.92× | 1.16× | ||
| Q2 25 | 2.73× | 0.89× | ||
| Q1 25 | 3.21× | 0.86× | ||
| Q4 24 | 1.56× | 5.24× | ||
| Q3 24 | 2.15× | 0.85× | ||
| Q2 24 | — | 1.30× |
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
GDYN
| Other | $30.6M | 29% |
| Technology Media And Telecom | $30.1M | 28% |
| Financial Service | $24.3M | 23% |
| Manufactured Product Other | $10.8M | 10% |
| Related Party | $7.6M | 7% |
| Health Care | $2.8M | 3% |
STBA
| Net Interest Income | $88.4M | 87% |
| Noninterest Income | $13.6M | 13% |
