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奇富科技（QFIN）与VILLAGE SUPER MARKET INC（VLGEA）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VILLAGE SUPER MARKET INC的1.3倍（$731.2M vs $582.6M），奇富科技净利率更高（27.5% vs 2.1%，领先25.5%），过去两年奇富科技的营收复合增速更高（16.4% vs 0.6%）
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。
Village Super Market Inc是一家美国超市经营企业，采用自助购物模式，在同一门店内按品类分区售卖丰富多样的食品、饮品和家居日用品，是美国老牌零售企业，业务覆盖当地民生零售领域，为消费者提供一站式日常购物体验。
QFIN vs VLGEA — 直观对比
营收规模更大
QFIN
是对方的1.3倍
$582.6M
净利率更高
QFIN
高出25.5%
2.1%
两年增速更快
QFIN
近两年复合增速
0.6%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $731.2M | $582.6M |
| 净利润 | $201.2M | $12.0M |
| 毛利率 | — | 28.3% |
| 营业利润率 | 32.7% | 2.6% |
| 净利率 | 27.5% | 2.1% |
| 营收同比 | — | 4.5% |
| 净利润同比 | — | -6.3% |
| 每股收益（稀释后） | — | — |
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QFINVLGEA
| Q4 25 | — | $582.6M | ||
| Q3 25 | $731.2M | $599.7M | ||
| Q2 25 | $728.1M | $563.7M | ||
| Q1 25 | $646.4M | $599.7M | ||
| Q4 24 | — | $557.7M | ||
| Q3 24 | $622.7M | $578.2M | ||
| Q2 24 | $572.4M | $546.4M | ||
| Q1 24 | $575.2M | $575.6M |
净利润QFINVLGEA
| Q4 25 | — | $12.0M | ||
| Q3 25 | $201.2M | $15.5M | ||
| Q2 25 | $241.6M | $11.2M | ||
| Q1 25 | $247.6M | $16.9M | ||
| Q4 24 | — | $12.8M | ||
| Q3 24 | $256.3M | $15.4M | ||
| Q2 24 | $189.4M | $9.0M | ||
| Q1 24 | $160.7M | $14.5M |
毛利率QFINVLGEA
| Q4 25 | — | 28.3% | ||
| Q3 25 | — | 28.2% | ||
| Q2 25 | — | 28.8% | ||
| Q1 25 | — | 28.4% | ||
| Q4 24 | — | 29.0% | ||
| Q3 24 | — | 29.3% | ||
| Q2 24 | — | 28.5% | ||
| Q1 24 | — | 28.4% |
营业利润率QFINVLGEA
| Q4 25 | — | 2.6% | ||
| Q3 25 | 32.7% | 3.4% | ||
| Q2 25 | 41.0% | 2.4% | ||
| Q1 25 | 42.1% | 3.7% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | 52.4% | 3.3% | ||
| Q2 24 | 47.7% | 1.9% | ||
| Q1 24 | 32.8% | 3.2% |
净利率QFINVLGEA
| Q4 25 | — | 2.1% | ||
| Q3 25 | 27.5% | 2.6% | ||
| Q2 25 | 33.2% | 2.0% | ||
| Q1 25 | 38.3% | 2.8% | ||
| Q4 24 | — | 2.3% | ||
| Q3 24 | 41.2% | 2.7% | ||
| Q2 24 | 33.1% | 1.6% | ||
| Q1 24 | 27.9% | 2.5% |
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 | $117.7M |
| 总债务越低越好 | — | $55.7M |
| 股东权益账面价值 | $24.3B | $501.1M |
| 总资产 | $61.4B | $1.0B |
| 负债/权益比越低杠杆越低 | — | 0.11× |
8季度趋势，按日历期对齐
现金及短期投资QFINVLGEA
| Q4 25 | — | $117.7M | ||
| Q3 25 | $6.5B | $110.7M | ||
| Q2 25 | $5.3B | $115.4M | ||
| Q1 25 | $8.6B | $133.9M | ||
| Q4 24 | — | $117.2M | ||
| Q3 24 | $4.3B | $117.3M | ||
| Q2 24 | $6.3B | $113.9M | ||
| Q1 24 | $5.3B | $133.3M |
总债务QFINVLGEA
| Q4 25 | — | $55.7M | ||
| Q3 25 | — | $58.0M | ||
| Q2 25 | — | $60.3M | ||
| Q1 25 | — | $62.7M | ||
| Q4 24 | — | $69.9M | ||
| Q3 24 | — | $72.2M | ||
| Q2 24 | — | $74.6M | ||
| Q1 24 | — | $77.0M |
股东权益QFINVLGEA
| Q4 25 | — | $501.1M | ||
| Q3 25 | $24.3B | $492.0M | ||
| Q2 25 | $24.1B | $479.7M | ||
| Q1 25 | $23.1B | $472.0M | ||
| Q4 24 | — | $457.5M | ||
| Q3 24 | $22.9B | $447.6M | ||
| Q2 24 | $22.6B | $436.2M | ||
| Q1 24 | $22.1B | $429.1M |
总资产QFINVLGEA
| Q4 25 | — | $1.0B | ||
| Q3 25 | $61.4B | $1.0B | ||
| Q2 25 | $59.8B | $995.6M | ||
| Q1 25 | $55.6B | $1.0B | ||
| Q4 24 | — | $990.3M | ||
| Q3 24 | $47.0B | $981.7M | ||
| Q2 24 | $47.0B | $970.2M | ||
| Q1 24 | $47.4B | $970.4M |
负债/权益比QFINVLGEA
| Q4 25 | — | 0.11× | ||
| Q3 25 | — | 0.12× | ||
| Q2 25 | — | 0.13× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | — | 0.15× | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.17× | ||
| Q1 24 | — | 0.18× |
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 | $19.7M |
| 自由现金流经营现金流 - 资本支出 | — | $10.7M |
| 自由现金流率自由现金流/营收 | — | 1.8% |
| 资本支出强度资本支出/营收 | — | 1.5% |
| 现金转化率经营现金流/净利润 | 1.75× | 1.64× |
| 过去12个月自由现金流最近4个季度 | — | $36.7M |
8季度趋势，按日历期对齐
经营现金流QFINVLGEA
| Q4 25 | — | $19.7M | ||
| Q3 25 | $351.4M | $21.7M | ||
| Q2 25 | $366.0M | $10.6M | ||
| Q1 25 | $386.6M | $40.8M | ||
| Q4 24 | — | $20.2M | ||
| Q3 24 | $338.0M | $22.8M | ||
| Q2 24 | $269.9M | $9.4M | ||
| Q1 24 | $271.2M | $30.3M |
自由现金流QFINVLGEA
| Q4 25 | — | $10.7M | ||
| Q3 25 | — | $11.6M | ||
| Q2 25 | — | $-10.6M | ||
| Q1 25 | — | $24.9M | ||
| Q4 24 | — | $8.5M | ||
| Q3 24 | — | $13.8M | ||
| Q2 24 | — | $-10.0M | ||
| Q1 24 | — | $9.3M |
自由现金流率QFINVLGEA
| Q4 25 | — | 1.8% | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | -1.9% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 2.4% | ||
| Q2 24 | — | -1.8% | ||
| Q1 24 | — | 1.6% |
资本支出强度QFINVLGEA
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 2.1% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 3.5% | ||
| Q1 24 | — | 3.7% |
现金转化率QFINVLGEA
| Q4 25 | — | 1.64× | ||
| Q3 25 | 1.75× | 1.40× | ||
| Q2 25 | 1.52× | 0.95× | ||
| Q1 25 | 1.56× | 2.41× | ||
| Q4 24 | — | 1.58× | ||
| Q3 24 | 1.32× | 1.48× | ||
| Q2 24 | 1.43× | 1.04× | ||
| Q1 24 | 1.69× | 2.09× |
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
VLGEA
| Center Store | $342.7M | 59% |
| Fresh | $211.0M | 36% |
| Pharmacy | $26.3M | 5% |
| Other Product | $2.6M | 0% |
