vs
Cloudflare, Inc.（NET）与WINTRUST FINANCIAL CORP（WTFC）财务数据对比。点击上方公司名可切换其他公司
WINTRUST FINANCIAL CORP的季度营收约是Cloudflare, Inc.的1.2倍（$713.2M vs $614.5M），WINTRUST FINANCIAL CORP净利率更高（31.9% vs -2.0%，领先33.8%），Cloudflare, Inc.同比增速更快（33.6% vs 10.9%），过去两年Cloudflare, Inc.的营收复合增速更高（27.4% vs 9.8%）
Cloudflare是总部位于美国加利福尼亚州旧金山的科技企业，提供内容分发网络（CDN）、云网络安全、DDoS防护等多元互联网服务，同时是ICANN认证的域名注册商。其服务作为网站访客与客户托管服务商之间的反向代理，可有效提升访问性能，抵御恶意流量。
Wintrust Financial是美国本土金融控股公司，在伊利诺伊州北部及威斯康星州南部运营15家特许社区银行，属于美国中型银行机构，是芝加哥第二大银行企业，于纳斯达克全球精选市场上市，股票代码为WTFC。
NET vs WTFC — 直观对比
营收规模更大
WTFC
是对方的1.2倍
$614.5M
营收增速更快
NET
高出22.7%
10.9%
净利率更高
WTFC
高出33.8%
-2.0%
两年增速更快
NET
近两年复合增速
9.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $614.5M | $713.2M |
| 净利润 | $-12.1M | $227.4M |
| 毛利率 | 73.6% | — |
| 营业利润率 | -8.0% | — |
| 净利率 | -2.0% | 31.9% |
| 营收同比 | 33.6% | 10.9% |
| 净利润同比 | 6.0% | — |
| 每股收益（稀释后） | $-0.03 | $3.22 |
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NETWTFC
| Q1 26 | — | $713.2M | ||
| Q4 25 | $614.5M | $714.3M | ||
| Q3 25 | $562.0M | $697.8M | ||
| Q2 25 | $512.3M | $670.8M | ||
| Q1 25 | $479.1M | $643.1M | ||
| Q4 24 | $459.9M | $638.6M | ||
| Q3 24 | $430.1M | $615.7M | ||
| Q2 24 | $401.0M | $591.8M |
净利润NETWTFC
| Q1 26 | — | $227.4M | ||
| Q4 25 | $-12.1M | — | ||
| Q3 25 | $-1.3M | $216.3M | ||
| Q2 25 | $-50.4M | $195.5M | ||
| Q1 25 | $-38.5M | $189.0M | ||
| Q4 24 | $-12.8M | — | ||
| Q3 24 | $-15.3M | $170.0M | ||
| Q2 24 | $-15.1M | $152.4M |
毛利率NETWTFC
| Q1 26 | — | — | ||
| Q4 25 | 73.6% | — | ||
| Q3 25 | 74.0% | — | ||
| Q2 25 | 74.9% | — | ||
| Q1 25 | 75.9% | — | ||
| Q4 24 | 76.4% | — | ||
| Q3 24 | 77.7% | — | ||
| Q2 24 | 77.8% | — |
营业利润率NETWTFC
| Q1 26 | — | — | ||
| Q4 25 | -8.0% | 42.3% | ||
| Q3 25 | -6.7% | 42.4% | ||
| Q2 25 | -13.1% | 39.8% | ||
| Q1 25 | -11.1% | 39.3% | ||
| Q4 24 | -7.5% | 39.6% | ||
| Q3 24 | -7.2% | 37.8% | ||
| Q2 24 | -8.7% | 35.7% |
净利率NETWTFC
| Q1 26 | — | 31.9% | ||
| Q4 25 | -2.0% | — | ||
| Q3 25 | -0.2% | 31.0% | ||
| Q2 25 | -9.8% | 29.1% | ||
| Q1 25 | -8.0% | 29.4% | ||
| Q4 24 | -2.8% | — | ||
| Q3 24 | -3.6% | 27.6% | ||
| Q2 24 | -3.8% | 25.8% |
每股收益（稀释后）NETWTFC
| Q1 26 | — | $3.22 | ||
| Q4 25 | $-0.03 | $3.15 | ||
| Q3 25 | $0.00 | $2.78 | ||
| Q2 25 | $-0.15 | $2.78 | ||
| Q1 25 | $-0.11 | $2.69 | ||
| Q4 24 | $-0.05 | $2.63 | ||
| Q3 24 | $-0.04 | $2.47 | ||
| Q2 24 | $-0.04 | $2.32 |
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 | $943.5M | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $7.4B |
| 总资产 | $6.0B | $72.2B |
| 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NETWTFC
| Q1 26 | — | — | ||
| Q4 25 | $943.5M | — | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $204.5M | — | ||
| Q4 24 | $147.7M | — | ||
| Q3 24 | $182.9M | — | ||
| Q2 24 | $157.0M | — |
股东权益NETWTFC
| Q1 26 | — | $7.4B | ||
| Q4 25 | $1.5B | $7.3B | ||
| Q3 25 | $1.3B | $7.0B | ||
| Q2 25 | $1.2B | $7.2B | ||
| Q1 25 | $1.4B | $6.6B | ||
| Q4 24 | $1.0B | $6.3B | ||
| Q3 24 | $973.1M | $6.4B | ||
| Q2 24 | $881.5M | $5.5B |
总资产NETWTFC
| Q1 26 | — | $72.2B | ||
| Q4 25 | $6.0B | $71.1B | ||
| Q3 25 | $5.8B | $69.6B | ||
| Q2 25 | $5.6B | $69.0B | ||
| Q1 25 | $3.7B | $65.9B | ||
| Q4 24 | $3.3B | $64.9B | ||
| Q3 24 | $3.1B | $63.8B | ||
| Q2 24 | $2.9B | $59.8B |
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 | $190.4M | — |
| 自由现金流经营现金流 - 资本支出 | $105.2M | — |
| 自由现金流率自由现金流/营收 | 17.1% | — |
| 资本支出强度资本支出/营收 | 13.9% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $287.5M | — |
8季度趋势，按日历期对齐
经营现金流NETWTFC
| Q1 26 | — | — | ||
| Q4 25 | $190.4M | $910.3M | ||
| Q3 25 | $167.1M | $209.8M | ||
| Q2 25 | $99.8M | $329.2M | ||
| Q1 25 | $145.8M | $119.8M | ||
| Q4 24 | $127.3M | $721.6M | ||
| Q3 24 | $104.7M | $-61.6M | ||
| Q2 24 | $74.8M | $221.2M |
自由现金流NETWTFC
| Q1 26 | — | — | ||
| Q4 25 | $105.2M | $860.4M | ||
| Q3 25 | $82.5M | — | ||
| Q2 25 | $39.9M | — | ||
| Q1 25 | $59.9M | — | ||
| Q4 24 | $54.2M | $635.5M | ||
| Q3 24 | $54.5M | $-78.3M | ||
| Q2 24 | $45.2M | $182.1M |
自由现金流率NETWTFC
| Q1 26 | — | — | ||
| Q4 25 | 17.1% | 120.5% | ||
| Q3 25 | 14.7% | — | ||
| Q2 25 | 7.8% | — | ||
| Q1 25 | 12.5% | — | ||
| Q4 24 | 11.8% | 99.5% | ||
| Q3 24 | 12.7% | -12.7% | ||
| Q2 24 | 11.3% | 30.8% |
资本支出强度NETWTFC
| Q1 26 | — | — | ||
| Q4 25 | 13.9% | 7.0% | ||
| Q3 25 | 15.1% | — | ||
| Q2 25 | 11.7% | — | ||
| Q1 25 | 17.9% | — | ||
| Q4 24 | 15.9% | 13.5% | ||
| Q3 24 | 11.7% | 2.7% | ||
| Q2 24 | 7.4% | 6.6% |
现金转化率NETWTFC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 1.68× | ||
| Q1 25 | — | 0.63× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -0.36× | ||
| Q2 24 | — | 1.45× |
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
NET
| Sales Channel Directly To Consumer | $438.5M | 71% |
| Sales Channel Through Intermediary | $176.0M | 29% |
WTFC
暂无分部数据
