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奇富科技（QFIN）与UNIVERSAL CORP（UVV）财务数据对比。点击上方公司名可切换其他公司
UNIVERSAL CORP的季度营收约是奇富科技的1.2倍（$853.2M vs $731.2M），奇富科技净利率更高（27.5% vs 3.9%，领先23.6%），过去两年奇富科技的营收复合增速更高（16.4% vs 6.2%）
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。
环球技术学院（UTI）是美国一家营利性私立技术院校体系，由罗伯特·斯威特于1965年创立，专注于为全美各地学生提供专业职业技术教育培训。
QFIN vs UVV — 直观对比
营收规模更大
UVV
是对方的1.2倍
$731.2M
净利率更高
QFIN
高出23.6%
3.9%
两年增速更快
QFIN
近两年复合增速
6.2%
损益表 — Q3 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $731.2M | $853.2M |
| 净利润 | $201.2M | $33.2M |
| 毛利率 | — | 17.8% |
| 营业利润率 | 32.7% | 9.6% |
| 净利率 | 27.5% | 3.9% |
| 营收同比 | — | -8.1% |
| 净利润同比 | — | -44.2% |
| 每股收益（稀释后） | — | $1.32 |
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QFINUVV
| Q4 25 | — | $853.2M | ||
| Q3 25 | $731.2M | $749.4M | ||
| Q2 25 | $728.1M | $592.6M | ||
| Q1 25 | $646.4M | $690.2M | ||
| Q4 24 | — | $928.0M | ||
| Q3 24 | $622.7M | $708.4M | ||
| Q2 24 | $572.4M | $596.4M | ||
| Q1 24 | $575.2M | $756.3M |
净利润QFINUVV
| Q4 25 | — | $33.2M | ||
| Q3 25 | $201.2M | $34.2M | ||
| Q2 25 | $241.6M | $8.5M | ||
| Q1 25 | $247.6M | $9.3M | ||
| Q4 24 | — | $59.6M | ||
| Q3 24 | $256.3M | $25.9M | ||
| Q2 24 | $189.4M | $130.0K | ||
| Q1 24 | $160.7M | $40.3M |
毛利率QFINUVV
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 18.0% | ||
| Q2 25 | — | 19.1% | ||
| Q1 25 | — | 15.1% | ||
| Q4 24 | — | 19.9% | ||
| Q3 24 | — | 19.9% | ||
| Q2 24 | — | 16.0% | ||
| Q1 24 | — | 18.0% |
营业利润率QFINUVV
| Q4 25 | — | 9.6% | ||
| Q3 25 | 32.7% | 9.0% | ||
| Q2 25 | 41.0% | 5.7% | ||
| Q1 25 | 42.1% | 6.2% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | 52.4% | 9.7% | ||
| Q2 24 | 47.7% | 2.9% | ||
| Q1 24 | 32.8% | 9.0% |
净利率QFINUVV
| Q4 25 | — | 3.9% | ||
| Q3 25 | 27.5% | 4.6% | ||
| Q2 25 | 33.2% | 1.4% | ||
| Q1 25 | 38.3% | 1.4% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | 41.2% | 3.7% | ||
| Q2 24 | 33.1% | 0.0% | ||
| Q1 24 | 27.9% | 5.3% |
每股收益（稀释后）QFINUVV
| Q4 25 | — | $1.32 | ||
| Q3 25 | — | $1.36 | ||
| Q2 25 | — | $0.34 | ||
| Q1 25 | — | $0.37 | ||
| Q4 24 | — | $2.37 | ||
| Q3 24 | — | $1.03 | ||
| Q2 24 | — | $0.01 | ||
| Q1 24 | — | $1.62 |
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 | $85.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $24.3B | $1.5B |
| 总资产 | $61.4B | $3.0B |
| 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QFINUVV
| Q4 25 | — | $85.2M | ||
| Q3 25 | $6.5B | $88.7M | ||
| Q2 25 | $5.3B | $178.4M | ||
| Q1 25 | $8.6B | $260.1M | ||
| Q4 24 | — | $215.1M | ||
| Q3 24 | $4.3B | $80.1M | ||
| Q2 24 | $6.3B | $101.7M | ||
| Q1 24 | $5.3B | $55.6M |
股东权益QFINUVV
| Q4 25 | — | $1.5B | ||
| Q3 25 | $24.3B | $1.5B | ||
| Q2 25 | $24.1B | $1.5B | ||
| Q1 25 | $23.1B | $1.5B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | $22.9B | $1.4B | ||
| Q2 24 | $22.6B | $1.4B | ||
| Q1 24 | $22.1B | $1.4B |
总资产QFINUVV
| Q4 25 | — | $3.0B | ||
| Q3 25 | $61.4B | $3.1B | ||
| Q2 25 | $59.8B | $3.2B | ||
| Q1 25 | $55.6B | $3.0B | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | $47.0B | $3.0B | ||
| Q2 24 | $47.0B | $3.0B | ||
| Q1 24 | $47.4B | $2.9B |
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 | $114.3M |
| 自由现金流经营现金流 - 资本支出 | — | $95.1M |
| 自由现金流率自由现金流/营收 | — | 11.1% |
| 资本支出强度资本支出/营收 | — | 2.3% |
| 现金转化率经营现金流/净利润 | 1.75× | 3.44× |
| 过去12个月自由现金流最近4个季度 | — | $52.7M |
8季度趋势，按日历期对齐
经营现金流QFINUVV
| Q4 25 | — | $114.3M | ||
| Q3 25 | $351.4M | $32.7M | ||
| Q2 25 | $366.0M | $-205.1M | ||
| Q1 25 | $386.6M | $158.7M | ||
| Q4 24 | — | $215.6M | ||
| Q3 24 | $338.0M | $15.0M | ||
| Q2 24 | $269.9M | $-62.4M | ||
| Q1 24 | $271.2M | $-27.9M |
自由现金流QFINUVV
| Q4 25 | — | $95.1M | ||
| Q3 25 | — | $23.7M | ||
| Q2 25 | — | $-217.2M | ||
| Q1 25 | — | $151.0M | ||
| Q4 24 | — | $199.6M | ||
| Q3 24 | — | $-1.0M | ||
| Q2 24 | — | $-85.2M | ||
| Q1 24 | — | $-46.2M |
自由现金流率QFINUVV
| Q4 25 | — | 11.1% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | -36.6% | ||
| Q1 25 | — | 21.9% | ||
| Q4 24 | — | 21.5% | ||
| Q3 24 | — | -0.1% | ||
| Q2 24 | — | -14.3% | ||
| Q1 24 | — | -6.1% |
资本支出强度QFINUVV
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 3.8% | ||
| Q1 24 | — | 2.4% |
现金转化率QFINUVV
| Q4 25 | — | 3.44× | ||
| Q3 25 | 1.75× | 0.96× | ||
| Q2 25 | 1.52× | -24.14× | ||
| Q1 25 | 1.56× | 17.00× | ||
| Q4 24 | — | 3.62× | ||
| Q3 24 | 1.32× | 0.58× | ||
| Q2 24 | 1.43× | -480.34× | ||
| Q1 24 | 1.69× | -0.69× |
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
UVV
| Tobacco Operations | $779.9M | 91% |
| Service Other | $36.7M | 4% |
| Other | $17.8M | 2% |
