vs
奇富科技（QFIN）与RBC Bearings INC（RBC）财务数据对比。点击上方公司名可切换其他公司
奇富科技的季度营收约是RBC Bearings INC的1.6倍（$731.2M vs $461.6M），奇富科技净利率更高（27.5% vs 14.6%，领先12.9%），过去两年奇富科技的营收复合增速更高（16.4% vs 5.6%）
奇富科技（原360数科）是中国头部金融科技企业，主要为持牌金融机构提供智能风控、信贷技术解决方案，服务广大个人消费者及中小微企业，依托大数据、人工智能技术提升金融服务的普惠性与运营效率。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
QFIN vs RBC — 直观对比
营收规模更大
QFIN
是对方的1.6倍
$461.6M
净利率更高
QFIN
高出12.9%
14.6%
两年增速更快
QFIN
近两年复合增速
5.6%
损益表 — Q3 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $731.2M | $461.6M |
| 净利润 | $201.2M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | 32.7% | 22.3% |
| 净利率 | 27.5% | 14.6% |
| 营收同比 | — | 17.0% |
| 净利润同比 | — | 16.4% |
| 每股收益（稀释后） | — | $2.13 |
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QFINRBC
| Q4 25 | — | $461.6M | ||
| Q3 25 | $731.2M | $455.3M | ||
| Q2 25 | $728.1M | $436.0M | ||
| Q1 25 | $646.4M | $437.7M | ||
| Q4 24 | — | $394.4M | ||
| Q3 24 | $622.7M | $397.9M | ||
| Q2 24 | $572.4M | $406.3M | ||
| Q1 24 | $575.2M | $413.7M |
净利润QFINRBC
| Q4 25 | — | $67.4M | ||
| Q3 25 | $201.2M | $60.0M | ||
| Q2 25 | $241.6M | $68.5M | ||
| Q1 25 | $247.6M | $72.7M | ||
| Q4 24 | — | $57.9M | ||
| Q3 24 | $256.3M | $54.2M | ||
| Q2 24 | $189.4M | $61.4M | ||
| Q1 24 | $160.7M | — |
毛利率QFINRBC
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 45.3% | ||
| Q1 24 | — | 43.1% |
营业利润率QFINRBC
| Q4 25 | — | 22.3% | ||
| Q3 25 | 32.7% | 21.5% | ||
| Q2 25 | 41.0% | 23.2% | ||
| Q1 25 | 42.1% | 23.0% | ||
| Q4 24 | — | 21.7% | ||
| Q3 24 | 52.4% | 21.6% | ||
| Q2 24 | 47.7% | 24.0% | ||
| Q1 24 | 32.8% | 22.8% |
净利率QFINRBC
| Q4 25 | — | 14.6% | ||
| Q3 25 | 27.5% | 13.2% | ||
| Q2 25 | 33.2% | 15.7% | ||
| Q1 25 | 38.3% | 16.6% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | 41.2% | 13.6% | ||
| Q2 24 | 33.1% | 15.1% | ||
| Q1 24 | 27.9% | — |
每股收益（稀释后）QFINRBC
| Q4 25 | — | $2.13 | ||
| Q3 25 | — | $1.90 | ||
| Q2 25 | — | $2.17 | ||
| Q1 25 | — | $2.33 | ||
| Q4 24 | — | $1.82 | ||
| Q3 24 | — | $1.65 | ||
| Q2 24 | — | $1.90 | ||
| Q1 24 | — | $1.92 |
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 | $6.5B | $107.6M |
| 总债务越低越好 | — | $990.2M |
| 股东权益账面价值 | $24.3B | $3.3B |
| 总资产 | $61.4B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资QFINRBC
| Q4 25 | — | $107.6M | ||
| Q3 25 | $6.5B | $91.2M | ||
| Q2 25 | $5.3B | $132.9M | ||
| Q1 25 | $8.6B | $36.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $4.3B | — | ||
| Q2 24 | $6.3B | $76.8M | ||
| Q1 24 | $5.3B | $63.5M |
总债务QFINRBC
| Q4 25 | — | $990.2M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $915.6M | ||
| Q1 25 | — | $920.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.2B |
股东权益QFINRBC
| Q4 25 | — | $3.3B | ||
| Q3 25 | $24.3B | $3.2B | ||
| Q2 25 | $24.1B | $3.1B | ||
| Q1 25 | $23.1B | $3.0B | ||
| Q4 24 | — | $2.9B | ||
| Q3 24 | $22.9B | $2.9B | ||
| Q2 24 | $22.6B | $2.8B | ||
| Q1 24 | $22.1B | $2.8B |
总资产QFINRBC
| Q4 25 | — | $5.1B | ||
| Q3 25 | $61.4B | $5.1B | ||
| Q2 25 | $59.8B | $4.8B | ||
| Q1 25 | $55.6B | $4.7B | ||
| Q4 24 | — | $4.7B | ||
| Q3 24 | $47.0B | $4.7B | ||
| Q2 24 | $47.0B | $4.7B | ||
| Q1 24 | $47.4B | $4.7B |
负债/权益比QFINRBC
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
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 | $351.4M | $122.1M |
| 自由现金流经营现金流 - 资本支出 | — | $99.1M |
| 自由现金流率自由现金流/营收 | — | 21.5% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | 1.75× | 1.81× |
| 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QFINRBC
| Q4 25 | — | $122.1M | ||
| Q3 25 | $351.4M | $88.4M | ||
| Q2 25 | $366.0M | $120.0M | ||
| Q1 25 | $386.6M | — | ||
| Q4 24 | — | $84.0M | ||
| Q3 24 | $338.0M | — | ||
| Q2 24 | $269.9M | $97.4M | ||
| Q1 24 | $271.2M | — |
自由现金流QFINRBC
| Q4 25 | — | $99.1M | ||
| Q3 25 | — | $71.7M | ||
| Q2 25 | — | $104.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $73.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $88.4M | ||
| Q1 24 | — | — |
自由现金流率QFINRBC
| Q4 25 | — | 21.5% | ||
| Q3 25 | — | 15.7% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 18.7% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.8% | ||
| Q1 24 | — | — |
资本支出强度QFINRBC
| Q4 25 | — | 5.0% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | — |
现金转化率QFINRBC
| Q4 25 | — | 1.81× | ||
| Q3 25 | 1.75× | 1.47× | ||
| Q2 25 | 1.52× | 1.75× | ||
| Q1 25 | 1.56× | — | ||
| Q4 24 | — | 1.45× | ||
| Q3 24 | 1.32× | — | ||
| Q2 24 | 1.43× | 1.59× | ||
| Q1 24 | 1.69× | — |
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
QFIN
暂无分部数据
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
