vs
GPGI, Inc.（GPGI）与SoFi Technologies, Inc.（SOFI）财务数据对比。点击上方公司名可切换其他公司
过去两年SoFi Technologies, Inc.的营收复合增速更高（21.4% vs -100.0%）
SoFi Technologies是美国金融科技企业，2011年由斯坦福大学学生创立，持有全国性特许牌照运营线上银行，同时为其他金融机构提供技术解决方案，是美国规模最大的线上贷款机构，截至2025年累计服务客户达1370万。
GPGI vs SOFI — 直观对比
营收规模更大
SOFI
是对方的Infinity倍
$0
两年增速更快
SOFI
近两年复合增速
-100.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $0 | $170.3M |
| 净利润 | — | $173.5M |
| 毛利率 | — | 5.1% |
| 营业利润率 | — | — |
| 净利率 | — | 101.9% |
| 营收同比 | — | 25.7% |
| 净利润同比 | 261.8% | -47.8% |
| 每股收益（稀释后） | — | $0.14 |
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GPGISOFI
| Q4 25 | $0 | $170.3M | ||
| Q3 25 | $0 | $156.8M | ||
| Q2 25 | $0 | $151.9M | ||
| Q1 25 | $59.8M | $140.4M | ||
| Q4 24 | $100.9M | $135.5M | ||
| Q3 24 | $107.1M | $131.2M | ||
| Q2 24 | $108.6M | $120.8M | ||
| Q1 24 | $104.0M | $115.6M |
净利润GPGISOFI
| Q4 25 | — | $173.5M | ||
| Q3 25 | $-174.7M | $139.4M | ||
| Q2 25 | $-26.1M | $97.3M | ||
| Q1 25 | $21.5M | $71.1M | ||
| Q4 24 | — | $332.5M | ||
| Q3 24 | $-42.1M | $60.7M | ||
| Q2 24 | $11.1M | $17.4M | ||
| Q1 24 | $4.0M | $88.0M |
毛利率GPGISOFI
| Q4 25 | — | 5.1% | ||
| Q3 25 | — | -3.0% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | 48.1% | 3.5% | ||
| Q4 24 | 52.1% | 5.4% | ||
| Q3 24 | 51.7% | 5.7% | ||
| Q2 24 | 51.6% | 9.2% | ||
| Q1 24 | 53.1% | 13.4% |
营业利润率GPGISOFI
| Q4 25 | — | — | ||
| Q3 25 | — | 94.7% | ||
| Q2 25 | — | 73.9% | ||
| Q1 25 | 10.1% | 56.8% | ||
| Q4 24 | 15.5% | 44.2% | ||
| Q3 24 | 27.2% | 48.7% | ||
| Q2 24 | 29.3% | 12.7% | ||
| Q1 24 | 29.9% | 81.5% |
净利率GPGISOFI
| Q4 25 | — | 101.9% | ||
| Q3 25 | — | 88.9% | ||
| Q2 25 | — | 64.0% | ||
| Q1 25 | 35.9% | 50.7% | ||
| Q4 24 | — | 245.4% | ||
| Q3 24 | -39.3% | 46.3% | ||
| Q2 24 | 10.2% | 14.4% | ||
| Q1 24 | 3.9% | 76.2% |
每股收益（稀释后）GPGISOFI
| Q4 25 | — | $0.14 | ||
| Q3 25 | $-1.58 | $0.11 | ||
| Q2 25 | $-0.26 | $0.08 | ||
| Q1 25 | $0.07 | $0.06 | ||
| Q4 24 | — | $0.31 | ||
| Q3 24 | $-1.10 | $0.05 | ||
| Q2 24 | $0.32 | $0.01 | ||
| Q1 24 | $0.17 | $0.02 |
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 | $114.6M | $4.9B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $243.1M | $10.5B |
| 总资产 | $517.3M | $50.7B |
| 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GPGISOFI
| Q4 25 | $114.6M | $4.9B | ||
| Q3 25 | $127.4M | $3.2B | ||
| Q2 25 | $4.8M | $2.1B | ||
| Q1 25 | $9.5M | $2.1B | ||
| Q4 24 | $77.5M | $2.5B | ||
| Q3 24 | $52.7M | $2.4B | ||
| Q2 24 | $35.4M | $2.3B | ||
| Q1 24 | $55.1M | $3.7B |
股东权益GPGISOFI
| Q4 25 | $243.1M | $10.5B | ||
| Q3 25 | $152.5M | $8.8B | ||
| Q2 25 | $-106.4M | $6.9B | ||
| Q1 25 | $-87.3M | $6.7B | ||
| Q4 24 | $-143.4M | $6.5B | ||
| Q3 24 | $-285.0M | $6.1B | ||
| Q2 24 | $-725.6M | $5.9B | ||
| Q1 24 | $-794.0M | $5.8B |
总资产GPGISOFI
| Q4 25 | $517.3M | $50.7B | ||
| Q3 25 | $505.5M | $45.3B | ||
| Q2 25 | $317.3M | $41.1B | ||
| Q1 25 | $292.3M | $37.7B | ||
| Q4 24 | $473.9M | $36.3B | ||
| Q3 24 | $435.4M | $34.4B | ||
| Q2 24 | $213.4M | $32.6B | ||
| Q1 24 | $213.6M | $31.3B |
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 | $-22.9M | $-991.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.1B |
| 自由现金流率自由现金流/营收 | — | -621.0% |
| 资本支出强度资本支出/营收 | — | 39.0% |
| 现金转化率经营现金流/净利润 | — | -5.71× |
| 过去12个月自由现金流最近4个季度 | — | $-4.0B |
8季度趋势，按日历期对齐
经营现金流GPGISOFI
| Q4 25 | $-22.9M | $-991.2M | ||
| Q3 25 | $-11.9M | $-1.3B | ||
| Q2 25 | $37.0K | $-1.5B | ||
| Q1 25 | $3.0M | $21.5M | ||
| Q4 24 | $129.6M | $-200.1M | ||
| Q3 24 | $29.4M | $-1.2B | ||
| Q2 24 | $32.2M | $-484.4M | ||
| Q1 24 | $33.8M | $738.2M |
自由现金流GPGISOFI
| Q4 25 | — | $-1.1B | ||
| Q3 25 | — | $-1.4B | ||
| Q2 25 | — | $-1.5B | ||
| Q1 25 | — | $-31.1M | ||
| Q4 24 | $122.1M | $-242.4M | ||
| Q3 24 | $27.8M | $-1.2B | ||
| Q2 24 | $30.7M | $-521.1M | ||
| Q1 24 | $32.1M | $706.3M |
自由现金流率GPGISOFI
| Q4 25 | — | -621.0% | ||
| Q3 25 | — | -871.1% | ||
| Q2 25 | — | -1007.6% | ||
| Q1 25 | — | -22.2% | ||
| Q4 24 | 121.1% | -178.9% | ||
| Q3 24 | 25.9% | -927.3% | ||
| Q2 24 | 28.3% | -431.4% | ||
| Q1 24 | 30.9% | 610.9% |
资本支出强度GPGISOFI
| Q4 25 | — | 39.0% | ||
| Q3 25 | — | 38.3% | ||
| Q2 25 | — | 41.8% | ||
| Q1 25 | 0.0% | 37.5% | ||
| Q4 24 | 7.3% | 31.2% | ||
| Q3 24 | 1.5% | 33.0% | ||
| Q2 24 | 1.4% | 30.4% | ||
| Q1 24 | 1.6% | 27.7% |
现金转化率GPGISOFI
| Q4 25 | — | -5.71× | ||
| Q3 25 | — | -9.37× | ||
| Q2 25 | — | -15.08× | ||
| Q1 25 | 0.14× | 0.30× | ||
| Q4 24 | — | -0.60× | ||
| Q3 24 | — | -19.32× | ||
| Q2 24 | 2.91× | -27.83× | ||
| Q1 24 | 8.39× | 8.39× |
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
GPGI
暂无分部数据
SOFI
| Technology Platform Segment | $94.0M | 55% |
| Interchange | $35.9M | 21% |
| Referrals Loan Platform | $19.7M | 12% |
| Brokerage | $12.9M | 8% |
| Financial Service Other | $4.1M | 2% |
| Other | $3.6M | 2% |
