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GROUP 1 AUTOMOTIVE INC（GPI）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是GROUP 1 AUTOMOTIVE INC的1.4倍（$7.4B vs $5.4B），美国合众银行净利率更高（27.8% vs 2.4%，领先25.4%），美国合众银行同比增速更快（5.1% vs -1.8%），过去两年GROUP 1 AUTOMOTIVE INC的营收复合增速更高（7.3% vs 4.7%）
Group 1 Automotive Inc是《财富》300强跨国汽车零售商，在美国及英国设有汽车经销门店与碰撞维修中心，业务涵盖新旧乘用车、轻型卡车销售，配套金融服务办理、车辆维保及汽车零配件销售，截至2024年全球员工规模超2万人。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。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，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
GPI vs USB — 直观对比
营收规模更大
USB
是对方的1.4倍
$5.4B
营收增速更快
USB
高出6.9%
-1.8%
净利率更高
USB
高出25.4%
2.4%
两年增速更快
GPI
近两年复合增速
4.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $5.4B | $7.4B |
| 净利润 | $130.2M | $2.0B |
| 毛利率 | 16.2% | — |
| 营业利润率 | 4.5% | 34.4% |
| 净利率 | 2.4% | 27.8% |
| 营收同比 | -1.8% | 5.1% |
| 净利润同比 | — | 23.0% |
| 每股收益（稀释后） | $10.82 | $1.26 |
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GPIUSB
| Q1 26 | $5.4B | — | ||
| Q4 25 | $5.6B | $7.4B | ||
| Q3 25 | $5.8B | $7.3B | ||
| Q2 25 | $5.7B | $7.0B | ||
| Q1 25 | $5.5B | $7.0B | ||
| Q4 24 | $5.5B | $7.0B | ||
| Q3 24 | $5.2B | $6.9B | ||
| Q2 24 | $4.7B | $6.9B |
净利润GPIUSB
| Q1 26 | $130.2M | — | ||
| Q4 25 | $43.6M | $2.0B | ||
| Q3 25 | $13.0M | $2.0B | ||
| Q2 25 | $140.5M | $1.8B | ||
| Q1 25 | $128.1M | $1.7B | ||
| Q4 24 | $94.7M | $1.7B | ||
| Q3 24 | $117.3M | $1.7B | ||
| Q2 24 | $138.2M | $1.6B |
毛利率GPIUSB
| Q1 26 | 16.2% | — | ||
| Q4 25 | 15.7% | — | ||
| Q3 25 | 15.9% | — | ||
| Q2 25 | 16.4% | — | ||
| Q1 25 | 16.2% | — | ||
| Q4 24 | 15.9% | — | ||
| Q3 24 | 16.3% | — | ||
| Q2 24 | 16.3% | — |
营业利润率GPIUSB
| Q1 26 | 4.5% | — | ||
| Q4 25 | 2.5% | 34.4% | ||
| Q3 25 | 1.9% | 34.5% | ||
| Q2 25 | 4.4% | 32.7% | ||
| Q1 25 | 4.2% | 31.0% | ||
| Q4 24 | 3.5% | 30.1% | ||
| Q3 24 | 4.4% | 30.2% | ||
| Q2 24 | 5.1% | 29.9% |
净利率GPIUSB
| Q1 26 | 2.4% | — | ||
| Q4 25 | 0.8% | 27.8% | ||
| Q3 25 | 0.2% | 27.3% | ||
| Q2 25 | 2.5% | 25.9% | ||
| Q1 25 | 2.3% | 24.6% | ||
| Q4 24 | 1.7% | 23.7% | ||
| Q3 24 | 2.2% | 25.0% | ||
| Q2 24 | 2.9% | 23.3% |
每股收益（稀释后）GPIUSB
| Q1 26 | $10.82 | — | ||
| Q4 25 | $3.75 | $1.26 | ||
| Q3 25 | $1.00 | $1.22 | ||
| Q2 25 | $10.82 | $1.11 | ||
| Q1 25 | $9.67 | $1.03 | ||
| Q4 24 | $7.15 | $1.01 | ||
| Q3 24 | $8.69 | $1.03 | ||
| Q2 24 | $10.17 | $0.97 |
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 | $41.7M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.8B | $65.2B |
| 总资产 | — | $692.3B |
| 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GPIUSB
| Q1 26 | $41.7M | — | ||
| Q4 25 | $32.5M | — | ||
| Q3 25 | $30.8M | — | ||
| Q2 25 | $52.7M | — | ||
| Q1 25 | $70.5M | — | ||
| Q4 24 | $34.4M | — | ||
| Q3 24 | $58.7M | — | ||
| Q2 24 | $64.4M | — |
总债务GPIUSB
| Q1 26 | — | — | ||
| Q4 25 | $3.4B | — | ||
| Q3 25 | $3.3B | — | ||
| Q2 25 | $3.1B | — | ||
| Q1 25 | $2.7B | — | ||
| Q4 24 | $2.7B | — | ||
| Q3 24 | $2.7B | — | ||
| Q2 24 | $2.3B | — |
股东权益GPIUSB
| Q1 26 | $2.8B | — | ||
| Q4 25 | $2.8B | $65.2B | ||
| Q3 25 | $3.1B | $63.3B | ||
| Q2 25 | $3.1B | $61.4B | ||
| Q1 25 | $3.0B | $60.1B | ||
| Q4 24 | $3.0B | $58.6B | ||
| Q3 24 | $3.0B | $58.9B | ||
| Q2 24 | $2.9B | $56.4B |
总资产GPIUSB
| Q1 26 | — | — | ||
| Q4 25 | $10.3B | $692.3B | ||
| Q3 25 | $10.4B | $695.4B | ||
| Q2 25 | $10.2B | $686.4B | ||
| Q1 25 | $9.9B | $676.5B | ||
| Q4 24 | $9.8B | $678.3B | ||
| Q3 24 | $10.0B | $686.5B | ||
| Q2 24 | $8.9B | $680.1B |
负债/权益比GPIUSB
| Q1 26 | — | — | ||
| Q4 25 | 1.23× | — | ||
| Q3 25 | 1.06× | — | ||
| Q2 25 | 0.97× | — | ||
| Q1 25 | 0.89× | — | ||
| Q4 24 | 0.92× | — | ||
| Q3 24 | 0.91× | — | ||
| Q2 24 | 0.80× | — |
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 | — | $2.8B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 1.39× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流GPIUSB
| Q1 26 | — | — | ||
| Q4 25 | $129.2M | $2.8B | ||
| Q3 25 | $155.0M | $3.4B | ||
| Q2 25 | $251.6M | $2.0B | ||
| Q1 25 | $158.7M | $-285.0M | ||
| Q4 24 | $212.6M | $4.8B | ||
| Q3 24 | $243.9M | $972.0M | ||
| Q2 24 | $-124.1M | $2.9B |
自由现金流GPIUSB
| Q1 26 | — | — | ||
| Q4 25 | $51.4M | — | ||
| Q3 25 | $86.7M | — | ||
| Q2 25 | $179.9M | — | ||
| Q1 25 | $106.5M | — | ||
| Q4 24 | $120.1M | — | ||
| Q3 24 | $194.2M | — | ||
| Q2 24 | $-163.8M | — |
自由现金流率GPIUSB
| Q1 26 | — | — | ||
| Q4 25 | 0.9% | — | ||
| Q3 25 | 1.5% | — | ||
| Q2 25 | 3.2% | — | ||
| Q1 25 | 1.9% | — | ||
| Q4 24 | 2.2% | — | ||
| Q3 24 | 3.7% | — | ||
| Q2 24 | -3.5% | — |
资本支出强度GPIUSB
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 1.3% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 1.7% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 0.8% | — |
现金转化率GPIUSB
| Q1 26 | — | — | ||
| Q4 25 | 2.96× | 1.39× | ||
| Q3 25 | 11.92× | 1.69× | ||
| Q2 25 | 1.79× | 1.12× | ||
| Q1 25 | 1.24× | -0.17× | ||
| Q4 24 | 2.24× | 2.87× | ||
| Q3 24 | 2.08× | 0.57× | ||
| Q2 24 | -0.90× | 1.79× |
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
GPI
| New vehicle retail sales | $2.6B | 47% |
| Used vehicle retail sales | $1.8B | 33% |
| Parts and service sales | $704.4M | 13% |
| Finance, insurance and other, net | $215.9M | 4% |
| Used vehicle wholesale sales | $149.5M | 3% |
USB
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