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雷诺士国际（LII）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
雷诺士国际的季度营收约是SoFi Technologies, Inc.的1.2倍（$1.2B vs $1.0B），SoFi Technologies, Inc.净利率更高（16.9% vs 13.6%，领先3.4%），SoFi Technologies, Inc.同比增速更快（39.6% vs -11.2%），雷诺士国际自由现金流更多（$376.7M vs $-4.0B），过去两年SoFi Technologies, Inc.的营收复合增速更高（26.1% vs 6.8%）
雷诺士国际是美国知名的暖通空调（HVAC）及制冷领域气候控制产品供应商，总部位于得克萨斯州理查森。公司在墨西哥萨尔蒂约、美国爱荷华州马歇尔敦、南卡罗来纳州奥兰治堡设有核心生产基地，1904年收购公司的诺里斯家族后裔约翰·W·诺里斯三世持有其9.8%的股份。
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。
LII vs SOFI — 直观对比
营收规模更大
LII
是对方的1.2倍
$1.0B
营收增速更快
SOFI
高出50.8%
-11.2%
净利率更高
SOFI
高出3.4%
13.6%
自由现金流更多
LII
多$4.4B
$-4.0B
两年增速更快
SOFI
近两年复合增速
6.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.2B | $1.0B |
| 净利润 | $162.1M | $173.5M |
| 毛利率 | 34.7% | 84.2% |
| 营业利润率 | 18.6% | 18.1% |
| 净利率 | 13.6% | 16.9% |
| 营收同比 | -11.2% | 39.6% |
| 净利润同比 | -18.0% | -47.8% |
| 每股收益（稀释后） | $4.62 | $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LIISOFI
| Q4 25 | $1.2B | $1.0B | ||
| Q3 25 | $1.4B | $961.6M | ||
| Q2 25 | $1.5B | $854.9M | ||
| Q1 25 | $1.1B | $771.8M | ||
| Q4 24 | $1.3B | $734.1M | ||
| Q3 24 | $1.5B | $697.1M | ||
| Q2 24 | $1.5B | $598.6M | ||
| Q1 24 | $1.0B | $645.0M |
净利润LIISOFI
| Q4 25 | $162.1M | $173.5M | ||
| Q3 25 | $245.8M | $139.4M | ||
| Q2 25 | $277.6M | $97.3M | ||
| Q1 25 | $120.3M | $71.1M | ||
| Q4 24 | $197.7M | $332.5M | ||
| Q3 24 | $239.0M | $60.7M | ||
| Q2 24 | $245.9M | $17.4M | ||
| Q1 24 | $124.3M | $88.0M |
毛利率LIISOFI
| Q4 25 | 34.7% | 84.2% | ||
| Q3 25 | 32.8% | 83.2% | ||
| Q2 25 | 34.8% | 82.4% | ||
| Q1 25 | 30.6% | 82.4% | ||
| Q4 24 | 33.9% | 82.5% | ||
| Q3 24 | 32.6% | 82.3% | ||
| Q2 24 | 33.6% | 81.7% | ||
| Q1 24 | 32.5% | 84.5% |
营业利润率LIISOFI
| Q4 25 | 18.6% | 18.1% | ||
| Q3 25 | 21.7% | 15.4% | ||
| Q2 25 | 23.6% | 13.1% | ||
| Q1 25 | 14.5% | 10.3% | ||
| Q4 24 | 18.2% | 8.2% | ||
| Q3 24 | 20.2% | 9.2% | ||
| Q2 24 | 22.1% | 2.6% | ||
| Q1 24 | 15.9% | 14.6% |
净利率LIISOFI
| Q4 25 | 13.6% | 16.9% | ||
| Q3 25 | 17.2% | 14.5% | ||
| Q2 25 | 18.5% | 11.4% | ||
| Q1 25 | 11.2% | 9.2% | ||
| Q4 24 | 14.7% | 45.3% | ||
| Q3 24 | 16.0% | 8.7% | ||
| Q2 24 | 16.9% | 2.9% | ||
| Q1 24 | 11.9% | 13.7% |
每股收益（稀释后）LIISOFI
| Q4 25 | $4.62 | $0.14 | ||
| Q3 25 | $6.98 | $0.11 | ||
| Q2 25 | $7.82 | $0.08 | ||
| Q1 25 | $3.37 | $0.06 | ||
| Q4 24 | $5.52 | $0.31 | ||
| Q3 24 | $6.68 | $0.05 | ||
| Q2 24 | $6.87 | $0.01 | ||
| Q1 24 | $3.47 | $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 | $34.7M | $4.9B |
| 总债务越低越好 | $1.1B | — |
| 股东权益账面价值 | $1.2B | $10.5B |
| 总资产 | $4.1B | $50.7B |
| 负债/权益比越低杠杆越低 | 0.98× | — |
8季度趋势，按日历期对齐
现金及短期投资LIISOFI
| Q4 25 | $34.7M | $4.9B | ||
| Q3 25 | $59.2M | $3.2B | ||
| Q2 25 | $55.1M | $2.1B | ||
| Q1 25 | $222.9M | $2.1B | ||
| Q4 24 | $422.3M | $2.5B | ||
| Q3 24 | $255.7M | $2.4B | ||
| Q2 24 | $57.8M | $2.3B | ||
| Q1 24 | $57.6M | $3.7B |
总债务LIISOFI
| Q4 25 | $1.1B | — | ||
| Q3 25 | $838.2M | — | ||
| Q2 25 | $835.7M | — | ||
| Q1 25 | $834.2M | — | ||
| Q4 24 | $833.1M | — | ||
| Q3 24 | $827.6M | — | ||
| Q2 24 | $1.1B | — | ||
| Q1 24 | $1.2B | — |
股东权益LIISOFI
| Q4 25 | $1.2B | $10.5B | ||
| Q3 25 | $1.1B | $8.8B | ||
| Q2 25 | $900.5M | $6.9B | ||
| Q1 25 | $852.5M | $6.7B | ||
| Q4 24 | $850.2M | $6.5B | ||
| Q3 24 | $754.0M | $6.1B | ||
| Q2 24 | $577.4M | $5.9B | ||
| Q1 24 | $368.8M | $5.8B |
总资产LIISOFI
| Q4 25 | $4.1B | $50.7B | ||
| Q3 25 | $3.5B | $45.3B | ||
| Q2 25 | $3.7B | $41.1B | ||
| Q1 25 | $3.5B | $37.7B | ||
| Q4 24 | $3.5B | $36.3B | ||
| Q3 24 | $3.3B | $34.4B | ||
| Q2 24 | $3.2B | $32.6B | ||
| Q1 24 | $3.0B | $31.3B |
负债/权益比LIISOFI
| Q4 25 | 0.98× | — | ||
| Q3 25 | 0.78× | — | ||
| Q2 25 | 0.93× | — | ||
| Q1 25 | 0.98× | — | ||
| Q4 24 | 0.98× | — | ||
| Q3 24 | 1.10× | — | ||
| Q2 24 | 1.95× | — | ||
| Q1 24 | 3.13× | — |
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 | $405.9M | $-3.7B |
| 自由现金流经营现金流 - 资本支出 | $376.7M | $-4.0B |
| 自由现金流率自由现金流/营收 | 31.5% | -388.8% |
| 资本支出强度资本支出/营收 | 2.4% | 23.7% |
| 现金转化率经营现金流/净利润 | 2.50× | -21.56× |
| 过去12个月自由现金流最近4个季度 | $638.8M | $-6.9B |
8季度趋势，按日历期对齐
经营现金流LIISOFI
| Q4 25 | $405.9M | $-3.7B | ||
| Q3 25 | $300.7M | $-1.3B | ||
| Q2 25 | $86.8M | $-1.5B | ||
| Q1 25 | $-35.8M | $21.5M | ||
| Q4 24 | $332.4M | $-1.1B | ||
| Q3 24 | $452.1M | $-1.2B | ||
| Q2 24 | $184.0M | $-484.4M | ||
| Q1 24 | $-22.8M | $738.2M |
自由现金流LIISOFI
| Q4 25 | $376.7M | $-4.0B | ||
| Q3 25 | $265.1M | $-1.4B | ||
| Q2 25 | $58.3M | $-1.5B | ||
| Q1 25 | $-61.3M | $-31.1M | ||
| Q4 24 | $272.2M | $-1.3B | ||
| Q3 24 | $410.9M | $-1.2B | ||
| Q2 24 | $151.3M | $-521.1M | ||
| Q1 24 | $-52.3M | $706.3M |
自由现金流率LIISOFI
| Q4 25 | 31.5% | -388.8% | ||
| Q3 25 | 18.6% | -142.0% | ||
| Q2 25 | 3.9% | -179.0% | ||
| Q1 25 | -5.7% | -4.0% | ||
| Q4 24 | 20.2% | -173.5% | ||
| Q3 24 | 27.4% | -174.6% | ||
| Q2 24 | 10.4% | -87.0% | ||
| Q1 24 | -5.0% | 109.5% |
资本支出强度LIISOFI
| Q4 25 | 2.4% | 23.7% | ||
| Q3 25 | 2.5% | 6.2% | ||
| Q2 25 | 1.9% | 7.4% | ||
| Q1 25 | 2.4% | 6.8% | ||
| Q4 24 | 4.5% | 21.0% | ||
| Q3 24 | 2.8% | 6.2% | ||
| Q2 24 | 2.3% | 6.1% | ||
| Q1 24 | 2.8% | 5.0% |
现金转化率LIISOFI
| Q4 25 | 2.50× | -21.56× | ||
| Q3 25 | 1.22× | -9.37× | ||
| Q2 25 | 0.31× | -15.08× | ||
| Q1 25 | -0.30× | 0.30× | ||
| Q4 24 | 1.68× | -3.37× | ||
| Q3 24 | 1.89× | -19.32× | ||
| Q2 24 | 0.75× | -27.83× | ||
| Q1 24 | -0.18× | 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
LII
| Residential Heating And Cooling | $699.8M | 59% |
| Commercial Heating And Cooling | $495.2M | 41% |
SOFI
暂无分部数据
