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奇富科技（QFIN）与Gentherm Inc（THRM）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Gentherm Inc的1.9倍（$731.2M vs $382.8M），奇富科技净利率更高（27.5% vs 0.8%，领先26.7%），过去两年奇富科技的营收复合增速更高（16.4% vs 3.7%）
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。
金瑟公司（原阿梅里贡）是一家美国热管理技术企业，为汽车行业研发出了全球首款热电调温座椅系统——气候控制座椅系统。该系统于1999年率先被福特汽车采纳，作为选装配置搭载在2000款林肯领航员上，如今已应用于福特、通用、丰田（雷克萨斯）、起亚、现代、日产（英菲尼迪）等车企的50余款车型。
QFIN vs THRM — 直观对比
营收规模更大
QFIN
是对方的1.9倍
$382.8M
净利率更高
QFIN
高出26.7%
0.8%
两年增速更快
QFIN
近两年复合增速
3.7%
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $731.2M | $382.8M |
| 净利润 | $201.2M | $3.0M |
| 毛利率 | — | 23.7% |
| 营业利润率 | 32.7% | 4.6% |
| 净利率 | 27.5% | 0.8% |
| 营收同比 | — | 8.5% |
| 净利润同比 | — | -80.5% |
| 每股收益（稀释后） | — | $0.08 |
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QFINTHRM
| Q4 25 | — | $382.8M | ||
| Q3 25 | $731.2M | $386.9M | ||
| Q2 25 | $728.1M | $375.1M | ||
| Q1 25 | $646.4M | $353.9M | ||
| Q4 24 | — | $352.9M | ||
| Q3 24 | $622.7M | $371.5M | ||
| Q2 24 | $572.4M | $375.7M | ||
| Q1 24 | $575.2M | $356.0M |
净利润QFINTHRM
| Q4 25 | — | $3.0M | ||
| Q3 25 | $201.2M | $14.9M | ||
| Q2 25 | $241.6M | $477.0K | ||
| Q1 25 | $247.6M | $-128.0K | ||
| Q4 24 | — | $15.3M | ||
| Q3 24 | $256.3M | $16.0M | ||
| Q2 24 | $189.4M | $18.9M | ||
| Q1 24 | $160.7M | $14.8M |
毛利率QFINTHRM
| Q4 25 | — | 23.7% | ||
| Q3 25 | — | 24.6% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | 24.4% | ||
| Q4 24 | — | 24.4% | ||
| Q3 24 | — | 25.5% | ||
| Q2 24 | — | 25.7% | ||
| Q1 24 | — | 24.9% |
营业利润率QFINTHRM
| Q4 25 | — | 4.6% | ||
| Q3 25 | 32.7% | 6.2% | ||
| Q2 25 | 41.0% | 6.4% | ||
| Q1 25 | 42.1% | 4.8% | ||
| Q4 24 | — | 6.7% | ||
| Q3 24 | 52.4% | 8.7% | ||
| Q2 24 | 47.7% | 8.8% | ||
| Q1 24 | 32.8% | 5.1% |
净利率QFINTHRM
| Q4 25 | — | 0.8% | ||
| Q3 25 | 27.5% | 3.9% | ||
| Q2 25 | 33.2% | 0.1% | ||
| Q1 25 | 38.3% | -0.0% | ||
| Q4 24 | — | 4.3% | ||
| Q3 24 | 41.2% | 4.3% | ||
| Q2 24 | 33.1% | 5.0% | ||
| Q1 24 | 27.9% | 4.2% |
每股收益（稀释后）QFINTHRM
| Q4 25 | — | $0.08 | ||
| Q3 25 | — | $0.49 | ||
| Q2 25 | — | $0.02 | ||
| Q1 25 | — | $0.00 | ||
| Q4 24 | — | $0.48 | ||
| Q3 24 | — | $0.51 | ||
| Q2 24 | — | $0.60 | ||
| Q1 24 | — | $0.47 |
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 | $160.8M |
| 总债务越低越好 | — | $189.0M |
| 股东权益账面价值 | $24.3B | $720.3M |
| 总资产 | $61.4B | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资QFINTHRM
| Q4 25 | — | $160.8M | ||
| Q3 25 | $6.5B | $154.3M | ||
| Q2 25 | $5.3B | $128.3M | ||
| Q1 25 | $8.6B | $163.1M | ||
| Q4 24 | — | $134.1M | ||
| Q3 24 | $4.3B | $150.6M | ||
| Q2 24 | $6.3B | $123.5M | ||
| Q1 24 | $5.3B | $125.1M |
总债务QFINTHRM
| Q4 25 | — | $189.0M | ||
| Q3 25 | — | $189.0M | ||
| Q2 25 | — | $209.0M | ||
| Q1 25 | — | $262.0M | ||
| Q4 24 | — | $220.1M | ||
| Q3 24 | — | $222.1M | ||
| Q2 24 | — | $222.1M | ||
| Q1 24 | — | $222.2M |
股东权益QFINTHRM
| Q4 25 | — | $720.3M | ||
| Q3 25 | $24.3B | $717.9M | ||
| Q2 25 | $24.1B | $699.7M | ||
| Q1 25 | $23.1B | $646.5M | ||
| Q4 24 | — | $616.9M | ||
| Q3 24 | $22.9B | $660.7M | ||
| Q2 24 | $22.6B | $640.3M | ||
| Q1 24 | $22.1B | $647.1M |
总资产QFINTHRM
| Q4 25 | — | $1.4B | ||
| Q3 25 | $61.4B | $1.4B | ||
| Q2 25 | $59.8B | $1.4B | ||
| Q1 25 | $55.6B | $1.3B | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | $47.0B | $1.3B | ||
| Q2 24 | $47.0B | $1.2B | ||
| Q1 24 | $47.4B | $1.3B |
负债/权益比QFINTHRM
| Q4 25 | — | 0.26× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.30× | ||
| Q1 25 | — | 0.41× | ||
| Q4 24 | — | 0.36× | ||
| Q3 24 | — | 0.34× | ||
| Q2 24 | — | 0.35× | ||
| Q1 24 | — | 0.34× |
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 | $29.0M |
| 自由现金流经营现金流 - 资本支出 | — | $6.7M |
| 自由现金流率自由现金流/营收 | — | 1.7% |
| 资本支出强度资本支出/营收 | — | 5.8% |
| 现金转化率经营现金流/净利润 | 1.75× | 9.70× |
| 过去12个月自由现金流最近4个季度 | — | $61.1M |
8季度趋势，按日历期对齐
经营现金流QFINTHRM
| Q4 25 | — | $29.0M | ||
| Q3 25 | $351.4M | $56.1M | ||
| Q2 25 | $366.0M | $45.0M | ||
| Q1 25 | $386.6M | $-13.3M | ||
| Q4 24 | — | $36.6M | ||
| Q3 24 | $338.0M | $46.3M | ||
| Q2 24 | $269.9M | $37.1M | ||
| Q1 24 | $271.2M | $-10.3M |
自由现金流QFINTHRM
| Q4 25 | — | $6.7M | ||
| Q3 25 | — | $46.5M | ||
| Q2 25 | — | $36.2M | ||
| Q1 25 | — | $-28.2M | ||
| Q4 24 | — | $13.6M | ||
| Q3 24 | — | $26.6M | ||
| Q2 24 | — | $17.8M | ||
| Q1 24 | — | $-21.6M |
自由现金流率QFINTHRM
| Q4 25 | — | 1.7% | ||
| Q3 25 | — | 12.0% | ||
| Q2 25 | — | 9.6% | ||
| Q1 25 | — | -8.0% | ||
| Q4 24 | — | 3.9% | ||
| Q3 24 | — | 7.2% | ||
| Q2 24 | — | 4.7% | ||
| Q1 24 | — | -6.1% |
资本支出强度QFINTHRM
| Q4 25 | — | 5.8% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | — | 5.3% | ||
| Q2 24 | — | 5.2% | ||
| Q1 24 | — | 3.2% |
现金转化率QFINTHRM
| Q4 25 | — | 9.70× | ||
| Q3 25 | 1.75× | 3.75× | ||
| Q2 25 | 1.52× | 94.43× | ||
| Q1 25 | 1.56× | — | ||
| Q4 24 | — | 2.39× | ||
| Q3 24 | 1.32× | 2.90× | ||
| Q2 24 | 1.43× | 1.97× | ||
| Q1 24 | 1.69× | -0.70× |
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
THRM
| Climate Control Seats | $200.9M | 52% |
| Lumbar And Massage Comfort Solutions | $58.5M | 15% |
| Climate Control Interiors | $50.3M | 13% |
| Other Automotive | $27.6M | 7% |
| Valve Systems | $24.1M | 6% |
| Medical Segments | $13.9M | 4% |
| Climate And Comfort Electronics | $7.4M | 2% |
