vs
KB HOME（KBH）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
KB HOME的季度营收约是SoFi Technologies, Inc.的1.7倍（$1.7B vs $1.0B），SoFi Technologies, Inc.净利率更高（16.9% vs 6.0%，领先10.9%），SoFi Technologies, Inc.同比增速更快（39.6% vs -15.3%），KB HOME自由现金流更多（$290.1M vs $-4.0B），过去两年SoFi Technologies, Inc.的营收复合增速更高（26.1% vs 7.4%）
KB Home是美国知名住宅建造企业，1957年于密歇根州底特律成立，前身为Kaufman & Broad，是首家在纽约证券交易所上市的住宅建造商，总部现位于加利福尼亚州洛杉矶。
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。
KBH vs SOFI — 直观对比
营收规模更大
KBH
是对方的1.7倍
$1.0B
营收增速更快
SOFI
高出54.9%
-15.3%
净利率更高
SOFI
高出10.9%
6.0%
自由现金流更多
KBH
多$4.3B
$-4.0B
两年增速更快
SOFI
近两年复合增速
7.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.7B | $1.0B |
| 净利润 | $101.5M | $173.5M |
| 毛利率 | — | 84.2% |
| 营业利润率 | — | 18.1% |
| 净利率 | 6.0% | 16.9% |
| 营收同比 | -15.3% | 39.6% |
| 净利润同比 | -46.7% | -47.8% |
| 每股收益（稀释后） | $1.55 | $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KBHSOFI
| Q4 25 | $1.7B | $1.0B | ||
| Q3 25 | $1.6B | $961.6M | ||
| Q2 25 | $1.5B | $854.9M | ||
| Q1 25 | $1.4B | $771.8M | ||
| Q4 24 | $2.0B | $734.1M | ||
| Q3 24 | $1.8B | $697.1M | ||
| Q2 24 | $1.7B | $598.6M | ||
| Q1 24 | $1.5B | $645.0M |
净利润KBHSOFI
| Q4 25 | $101.5M | $173.5M | ||
| Q3 25 | $109.8M | $139.4M | ||
| Q2 25 | $107.9M | $97.3M | ||
| Q1 25 | $109.6M | $71.1M | ||
| Q4 24 | $190.6M | $332.5M | ||
| Q3 24 | $157.3M | $60.7M | ||
| Q2 24 | $168.4M | $17.4M | ||
| Q1 24 | $138.7M | $88.0M |
毛利率KBHSOFI
| Q4 25 | — | 84.2% | ||
| Q3 25 | — | 83.2% | ||
| Q2 25 | — | 82.4% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 82.5% | ||
| Q3 24 | — | 82.3% | ||
| Q2 24 | — | 81.7% | ||
| Q1 24 | — | 84.5% |
营业利润率KBHSOFI
| Q4 25 | — | 18.1% | ||
| Q3 25 | — | 15.4% | ||
| Q2 25 | — | 13.1% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 8.2% | ||
| Q3 24 | — | 9.2% | ||
| Q2 24 | — | 2.6% | ||
| Q1 24 | — | 14.6% |
净利率KBHSOFI
| Q4 25 | 6.0% | 16.9% | ||
| Q3 25 | 6.8% | 14.5% | ||
| Q2 25 | 7.1% | 11.4% | ||
| Q1 25 | 7.9% | 9.2% | ||
| Q4 24 | 9.5% | 45.3% | ||
| Q3 24 | 9.0% | 8.7% | ||
| Q2 24 | 9.9% | 2.9% | ||
| Q1 24 | 9.4% | 13.7% |
每股收益（稀释后）KBHSOFI
| Q4 25 | $1.55 | $0.14 | ||
| Q3 25 | $1.61 | $0.11 | ||
| Q2 25 | $1.50 | $0.08 | ||
| Q1 25 | $1.49 | $0.06 | ||
| Q4 24 | $2.50 | $0.31 | ||
| Q3 24 | $2.04 | $0.05 | ||
| Q2 24 | $2.15 | $0.01 | ||
| Q1 24 | $1.76 | $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 | — | $4.9B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.9B | $10.5B |
| 总资产 | $6.7B | $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KBHSOFI
| Q4 25 | — | $4.9B | ||
| Q3 25 | — | $3.2B | ||
| Q2 25 | — | $2.1B | ||
| Q1 25 | — | $2.1B | ||
| Q4 24 | — | $2.5B | ||
| Q3 24 | — | $2.4B | ||
| Q2 24 | — | $2.3B | ||
| Q1 24 | — | $3.7B |
股东权益KBHSOFI
| Q4 25 | $3.9B | $10.5B | ||
| Q3 25 | $3.9B | $8.8B | ||
| Q2 25 | $4.0B | $6.9B | ||
| Q1 25 | $4.1B | $6.7B | ||
| Q4 24 | $4.1B | $6.5B | ||
| Q3 24 | $4.0B | $6.1B | ||
| Q2 24 | $4.0B | $5.9B | ||
| Q1 24 | $3.9B | $5.8B |
总资产KBHSOFI
| Q4 25 | $6.7B | $50.7B | ||
| Q3 25 | $7.0B | $45.3B | ||
| Q2 25 | $7.0B | $41.1B | ||
| Q1 25 | $7.0B | $37.7B | ||
| Q4 24 | $6.9B | $36.3B | ||
| Q3 24 | $6.8B | $34.4B | ||
| Q2 24 | $6.8B | $32.6B | ||
| Q1 24 | $6.7B | $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 | $303.8M | $-3.7B |
| 自由现金流经营现金流 - 资本支出 | $290.1M | $-4.0B |
| 自由现金流率自由现金流/营收 | 17.1% | -388.8% |
| 资本支出强度资本支出/营收 | 0.8% | 23.7% |
| 现金转化率经营现金流/净利润 | 2.99× | -21.56× |
| 过去12个月自由现金流最近4个季度 | $287.3M | $-6.9B |
8季度趋势，按日历期对齐
经营现金流KBHSOFI
| Q4 25 | $303.8M | $-3.7B | ||
| Q3 25 | $197.7M | $-1.3B | ||
| Q2 25 | $168.4M | $-1.5B | ||
| Q1 25 | $-334.3M | $21.5M | ||
| Q4 24 | $362.6M | $-1.1B | ||
| Q3 24 | $-89.9M | $-1.2B | ||
| Q2 24 | $61.5M | $-484.4M | ||
| Q1 24 | $28.5M | $738.2M |
自由现金流KBHSOFI
| Q4 25 | $290.1M | $-4.0B | ||
| Q3 25 | $185.8M | $-1.4B | ||
| Q2 25 | $156.9M | $-1.5B | ||
| Q1 25 | $-345.5M | $-31.1M | ||
| Q4 24 | $352.6M | $-1.3B | ||
| Q3 24 | $-99.4M | $-1.2B | ||
| Q2 24 | $51.2M | $-521.1M | ||
| Q1 24 | $19.1M | $706.3M |
自由现金流率KBHSOFI
| Q4 25 | 17.1% | -388.8% | ||
| Q3 25 | 11.5% | -142.0% | ||
| Q2 25 | 10.3% | -179.0% | ||
| Q1 25 | -24.8% | -4.0% | ||
| Q4 24 | 17.6% | -173.5% | ||
| Q3 24 | -5.7% | -174.6% | ||
| Q2 24 | 3.0% | -87.0% | ||
| Q1 24 | 1.3% | 109.5% |
资本支出强度KBHSOFI
| Q4 25 | 0.8% | 23.7% | ||
| Q3 25 | 0.7% | 6.2% | ||
| Q2 25 | 0.8% | 7.4% | ||
| Q1 25 | 0.8% | 6.8% | ||
| Q4 24 | 0.5% | 21.0% | ||
| Q3 24 | 0.5% | 6.2% | ||
| Q2 24 | 0.6% | 6.1% | ||
| Q1 24 | 0.6% | 5.0% |
现金转化率KBHSOFI
| Q4 25 | 2.99× | -21.56× | ||
| Q3 25 | 1.80× | -9.37× | ||
| Q2 25 | 1.56× | -15.08× | ||
| Q1 25 | -3.05× | 0.30× | ||
| Q4 24 | 1.90× | -3.37× | ||
| Q3 24 | -0.57× | -19.32× | ||
| Q2 24 | 0.37× | -27.83× | ||
| Q1 24 | 0.21× | 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
KBH
| Home Building | $1.7B | 99% |
| Financial Service | $8.7M | 1% |
SOFI
暂无分部数据
