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趣店（HTT）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
SoFi Technologies, Inc.的季度营收约是趣店的1030.9倍（$170.3M vs $165.2K）。趣店净利率更高（4810.3% vs 101.9%，领先4708.4%）。过去两年SoFi Technologies, Inc.的营收复合增速更高（21.4% vs -45.7%）
趣店集团是中国本土金融科技服务提供商，核心业务涵盖小额消费信贷解决方案输出、风险管理技术服务及相关数字金融产品供应，主要服务国内广大年轻消费群体，业务布局集中于中国内地市场。
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。
HTT vs SOFI — 直观对比
营收规模更大
SOFI
是对方的1030.9倍
$165.2K
净利率更高
HTT
高出4708.4%
101.9%
两年增速更快
SOFI
近两年复合增速
-45.7%
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $165.2K | $170.3M |
| 净利润 | $7.9M | $173.5M |
| 毛利率 | 23.1% | 5.1% |
| 营业利润率 | -1298.1% | — |
| 净利率 | 4810.3% | 101.9% |
| 营收同比 | — | 25.7% |
| 净利润同比 | — | -47.8% |
| 每股收益（稀释后） | $0.05 | $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HTTSOFI
| Q4 25 | — | $170.3M | ||
| Q3 25 | $165.2K | $156.8M | ||
| Q2 25 | $67.2K | $151.9M | ||
| Q1 25 | $490.5K | $140.4M | ||
| Q4 24 | — | $135.5M | ||
| Q3 24 | $1.1M | $131.2M | ||
| Q2 24 | $1.0M | $120.8M | ||
| Q1 24 | $1.1M | $115.6M |
净利润HTTSOFI
| Q4 25 | — | $173.5M | ||
| Q3 25 | $7.9M | $139.4M | ||
| Q2 25 | $6.0M | $97.3M | ||
| Q1 25 | $2.9M | $71.1M | ||
| Q4 24 | — | $332.5M | ||
| Q3 24 | $2.6M | $60.7M | ||
| Q2 24 | $1.9M | $17.4M | ||
| Q1 24 | $-1.4M | $88.0M |
毛利率HTTSOFI
| Q4 25 | — | 5.1% | ||
| Q3 25 | 23.1% | -3.0% | ||
| Q2 25 | 15.2% | 1.0% | ||
| Q1 25 | — | 3.5% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | 11.1% | 5.7% | ||
| Q2 24 | 13.3% | 9.2% | ||
| Q1 24 | — | 13.4% |
营业利润率HTTSOFI
| Q4 25 | — | — | ||
| Q3 25 | -1298.1% | 94.7% | ||
| Q2 25 | -3264.3% | 73.9% | ||
| Q1 25 | -253.9% | 56.8% | ||
| Q4 24 | — | 44.2% | ||
| Q3 24 | -121.7% | 48.7% | ||
| Q2 24 | -107.6% | 12.7% | ||
| Q1 24 | -129.9% | 81.5% |
净利率HTTSOFI
| Q4 25 | — | 101.9% | ||
| Q3 25 | 4810.3% | 88.9% | ||
| Q2 25 | 8936.3% | 64.0% | ||
| Q1 25 | 582.1% | 50.7% | ||
| Q4 24 | — | 245.4% | ||
| Q3 24 | 239.8% | 46.3% | ||
| Q2 24 | 187.1% | 14.4% | ||
| Q1 24 | -131.8% | 76.2% |
每股收益（稀释后）HTTSOFI
| Q4 25 | — | $0.14 | ||
| Q3 25 | $0.05 | $0.11 | ||
| Q2 25 | $0.04 | $0.08 | ||
| Q1 25 | $0.02 | $0.06 | ||
| Q4 24 | — | $0.31 | ||
| Q3 24 | $0.01 | $0.05 | ||
| Q2 24 | $0.01 | $0.01 | ||
| Q1 24 | $-0.01 | $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 | $162.4M | $4.9B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $231.7M | $10.5B |
| 总资产 | $270.5M | $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HTTSOFI
| Q4 25 | — | $4.9B | ||
| Q3 25 | $162.4M | $3.2B | ||
| Q2 25 | $132.5M | $2.1B | ||
| Q1 25 | $118.9M | $2.1B | ||
| Q4 24 | — | $2.5B | ||
| Q3 24 | $104.9M | $2.4B | ||
| Q2 24 | $112.8M | $2.3B | ||
| Q1 24 | $140.6M | $3.7B |
股东权益HTTSOFI
| Q4 25 | — | $10.5B | ||
| Q3 25 | $231.7M | $8.8B | ||
| Q2 25 | $223.1M | $6.9B | ||
| Q1 25 | $216.0M | $6.7B | ||
| Q4 24 | — | $6.5B | ||
| Q3 24 | $225.2M | $6.1B | ||
| Q2 24 | $217.5M | $5.9B | ||
| Q1 24 | $218.9M | $5.8B |
总资产HTTSOFI
| Q4 25 | — | $50.7B | ||
| Q3 25 | $270.5M | $45.3B | ||
| Q2 25 | $245.6M | $41.1B | ||
| Q1 25 | $240.6M | $37.7B | ||
| Q4 24 | — | $36.3B | ||
| Q3 24 | $246.8M | $34.4B | ||
| Q2 24 | $227.9M | $32.6B | ||
| Q1 24 | $234.9M | $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 | — | $-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HTTSOFI
| Q4 25 | — | $-991.2M | ||
| Q3 25 | — | $-1.3B | ||
| Q2 25 | — | $-1.5B | ||
| Q1 25 | — | $21.5M | ||
| Q4 24 | — | $-200.1M | ||
| Q3 24 | — | $-1.2B | ||
| Q2 24 | — | $-484.4M | ||
| Q1 24 | — | $738.2M |
自由现金流HTTSOFI
| Q4 25 | — | $-1.1B | ||
| Q3 25 | — | $-1.4B | ||
| Q2 25 | — | $-1.5B | ||
| Q1 25 | — | $-31.1M | ||
| Q4 24 | — | $-242.4M | ||
| Q3 24 | — | $-1.2B | ||
| Q2 24 | — | $-521.1M | ||
| Q1 24 | — | $706.3M |
自由现金流率HTTSOFI
| Q4 25 | — | -621.0% | ||
| Q3 25 | — | -871.1% | ||
| Q2 25 | — | -1007.6% | ||
| Q1 25 | — | -22.2% | ||
| Q4 24 | — | -178.9% | ||
| Q3 24 | — | -927.3% | ||
| Q2 24 | — | -431.4% | ||
| Q1 24 | — | 610.9% |
资本支出强度HTTSOFI
| Q4 25 | — | 39.0% | ||
| Q3 25 | — | 38.3% | ||
| Q2 25 | — | 41.8% | ||
| Q1 25 | — | 37.5% | ||
| Q4 24 | — | 31.2% | ||
| Q3 24 | — | 33.0% | ||
| Q2 24 | — | 30.4% | ||
| Q1 24 | — | 27.7% |
现金转化率HTTSOFI
| Q4 25 | — | -5.71× | ||
| Q3 25 | — | -9.37× | ||
| Q2 25 | — | -15.08× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | -0.60× | ||
| Q3 24 | — | -19.32× | ||
| Q2 24 | — | -27.83× | ||
| Q1 24 | — | 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
HTT
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% |
