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LITHIA MOTORS INC（LAD）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
LITHIA MOTORS INC的季度营收约是美国合众银行的1.3倍（$9.3B vs $7.4B），美国合众银行净利率更高（27.8% vs 1.1%，领先26.7%），美国合众银行同比增速更快（5.1% vs 1.0%），过去两年美国合众银行的营收复合增速更高（4.7% vs 0.2%）
Lithia Motors Inc.是总部位于美国俄勒冈州梅德福的全国性汽车经销商集团，按营收计算为2025年美国规模最大的汽车零售商，领先于AutoNation、潘世奇汽车集团等竞争对手。截至2024年12月31日，该公司在美、加、英三国运营459家经销网点，全球员工约3万人。
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。
LAD vs USB — 直观对比
营收规模更大
LAD
是对方的1.3倍
$7.4B
营收增速更快
USB
高出4.1%
1.0%
净利率更高
USB
高出26.7%
1.1%
两年增速更快
USB
近两年复合增速
0.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $9.3B | $7.4B |
| 净利润 | $102.0M | $2.0B |
| 毛利率 | 15.3% | — |
| 营业利润率 | 3.6% | 34.4% |
| 净利率 | 1.1% | 27.8% |
| 营收同比 | 1.0% | 5.1% |
| 净利润同比 | 5.9% | 23.0% |
| 每股收益（稀释后） | $4.28 | $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LADUSB
| Q1 26 | $9.3B | — | ||
| Q4 25 | $9.2B | $7.4B | ||
| Q3 25 | $9.7B | $7.3B | ||
| Q2 25 | $9.6B | $7.0B | ||
| Q1 25 | $9.2B | $7.0B | ||
| Q4 24 | $9.2B | $7.0B | ||
| Q3 24 | $9.2B | $6.9B | ||
| Q2 24 | $9.2B | $6.9B |
净利润LADUSB
| Q1 26 | $102.0M | — | ||
| Q4 25 | $136.9M | $2.0B | ||
| Q3 25 | $217.1M | $2.0B | ||
| Q2 25 | $256.1M | $1.8B | ||
| Q1 25 | $209.5M | $1.7B | ||
| Q4 24 | $216.1M | $1.7B | ||
| Q3 24 | $209.1M | $1.7B | ||
| Q2 24 | $214.2M | $1.6B |
毛利率LADUSB
| Q1 26 | 15.3% | — | ||
| Q4 25 | 14.9% | — | ||
| Q3 25 | 15.2% | — | ||
| Q2 25 | 15.5% | — | ||
| Q1 25 | 15.4% | — | ||
| Q4 24 | 15.0% | — | ||
| Q3 24 | 15.5% | — | ||
| Q2 24 | 15.4% | — |
营业利润率LADUSB
| Q1 26 | 3.6% | — | ||
| Q4 25 | 3.7% | 34.4% | ||
| Q3 25 | 4.4% | 34.5% | ||
| Q2 25 | 4.4% | 32.7% | ||
| Q1 25 | 4.4% | 31.0% | ||
| Q4 24 | 4.5% | 30.1% | ||
| Q3 24 | 4.6% | 30.2% | ||
| Q2 24 | 4.3% | 29.9% |
净利率LADUSB
| Q1 26 | 1.1% | — | ||
| Q4 25 | 1.5% | 27.8% | ||
| Q3 25 | 2.2% | 27.3% | ||
| Q2 25 | 2.7% | 25.9% | ||
| Q1 25 | 2.3% | 24.6% | ||
| Q4 24 | 2.4% | 23.7% | ||
| Q3 24 | 2.3% | 25.0% | ||
| Q2 24 | 2.3% | 23.3% |
每股收益（稀释后）LADUSB
| Q1 26 | $4.28 | — | ||
| Q4 25 | $5.90 | $1.26 | ||
| Q3 25 | $8.61 | $1.22 | ||
| Q2 25 | $9.87 | $1.11 | ||
| Q1 25 | $7.94 | $1.03 | ||
| Q4 24 | $8.09 | $1.01 | ||
| Q3 24 | $7.80 | $1.03 | ||
| Q2 24 | $7.87 | $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 | — | — |
| 总债务越低越好 | $6.4B | — |
| 股东权益账面价值 | $6.4B | $65.2B |
| 总资产 | $25.7B | $692.3B |
| 负债/权益比越低杠杆越低 | 1.01× | — |
8季度趋势，按日历期对齐
现金及短期投资LADUSB
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $206.5M | — | ||
| Q2 25 | $202.8M | — | ||
| Q1 25 | $234.4M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $209.8M | — | ||
| Q2 24 | $516.4M | — |
总债务LADUSB
| Q1 26 | $6.4B | — | ||
| Q4 25 | $9.7B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.2B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益LADUSB
| Q1 26 | $6.4B | — | ||
| Q4 25 | $6.6B | $65.2B | ||
| Q3 25 | $6.8B | $63.3B | ||
| Q2 25 | $7.0B | $61.4B | ||
| Q1 25 | $6.8B | $60.1B | ||
| Q4 24 | $6.7B | $58.6B | ||
| Q3 24 | $6.6B | $58.9B | ||
| Q2 24 | $6.4B | $56.4B |
总资产LADUSB
| Q1 26 | $25.7B | — | ||
| Q4 25 | $25.1B | $692.3B | ||
| Q3 25 | $24.5B | $695.4B | ||
| Q2 25 | $24.2B | $686.4B | ||
| Q1 25 | $23.5B | $676.5B | ||
| Q4 24 | $23.1B | $678.3B | ||
| Q3 24 | $23.3B | $686.5B | ||
| Q2 24 | $23.2B | $680.1B |
负债/权益比LADUSB
| Q1 26 | 1.01× | — | ||
| Q4 25 | 1.47× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.23× | — | ||
| 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 | $212.2M | $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 | 1.0% | — |
| 现金转化率经营现金流/净利润 | 2.08× | 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LADUSB
| Q1 26 | $212.2M | — | ||
| Q4 25 | $123.7M | $2.8B | ||
| Q3 25 | $-98.4M | $3.4B | ||
| Q2 25 | $9.3M | $2.0B | ||
| Q1 25 | $322.1M | $-285.0M | ||
| Q4 24 | $61.8M | $4.8B | ||
| Q3 24 | $219.3M | $972.0M | ||
| Q2 24 | $-148.4M | $2.9B |
自由现金流LADUSB
| Q1 26 | — | — | ||
| Q4 25 | $30.5M | — | ||
| Q3 25 | $-207.3M | — | ||
| Q2 25 | $-70.8M | — | ||
| Q1 25 | $253.4M | — | ||
| Q4 24 | $-17.7M | — | ||
| Q3 24 | $157.1M | — | ||
| Q2 24 | $-278.5M | — |
自由现金流率LADUSB
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | — | ||
| Q3 25 | -2.1% | — | ||
| Q2 25 | -0.7% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | -0.2% | — | ||
| Q3 24 | 1.7% | — | ||
| Q2 24 | -3.0% | — |
资本支出强度LADUSB
| Q1 26 | 1.0% | — | ||
| Q4 25 | 1.0% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 0.8% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 0.9% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 1.4% | — |
现金转化率LADUSB
| Q1 26 | 2.08× | — | ||
| Q4 25 | 0.90× | 1.39× | ||
| Q3 25 | -0.45× | 1.69× | ||
| Q2 25 | 0.04× | 1.12× | ||
| Q1 25 | 1.54× | -0.17× | ||
| Q4 24 | 0.29× | 2.87× | ||
| Q3 24 | 1.05× | 0.57× | ||
| Q2 24 | -0.69× | 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
LAD
| New vehicle | $4.4B | 47% |
| Used vehicle | $3.5B | 38% |
| Aftersales | $1.0B | 11% |
| Finance and insurance | $359.7M | 4% |
USB
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