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Rivian Automotive, Inc.（RIVN）与WEBSTER FINANCIAL CORP（WBS）财务数据对比。点击上方公司名可切换其他公司
Rivian Automotive, Inc.的季度营收约是WEBSTER FINANCIAL CORP的1.7倍（$1.3B vs $735.9M），WEBSTER FINANCIAL CORP净利率更高（33.5% vs -63.1%，领先96.5%），过去两年WEBSTER FINANCIAL CORP的营收复合增速更高（9.4% vs 3.3%）
Rivian Automotive是2009年成立的美国电动汽车制造商及汽车科技企业，主打基于自研滑板平台打造的电动SUV、皮卡及EDV电动配送货车，旗下R1T皮卡于2021年末正式开启交付，还计划于2023年底前在美国和加拿大布局专属充电网络，其平台可适配新车型也可对外授权使用。
韦伯斯特银行是总部位于美国康涅狄格州斯坦福德的商业银行，业务覆盖康涅狄格州、马萨诸塞州、罗德岛州、新泽西州，以及纽约州的威彻斯特、奥兰治、阿尔斯特、罗克兰县和纽约市，共设有177家营业网点和316台自动柜员机。
RIVN vs WBS — 直观对比
营收规模更大
RIVN
是对方的1.7倍
$735.9M
净利率更高
WBS
高出96.5%
-63.1%
两年增速更快
WBS
近两年复合增速
3.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $735.9M |
| 净利润 | $-811.0M | $246.2M |
| 毛利率 | 9.3% | — |
| 营业利润率 | -64.8% | — |
| 净利率 | -63.1% | 33.5% |
| 营收同比 | -25.8% | — |
| 净利润同比 | -9.0% | 8.5% |
| 每股收益（稀释后） | $-0.66 | $1.50 |
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RIVNWBS
| Q1 26 | — | $735.9M | ||
| Q4 25 | $1.3B | $746.2M | ||
| Q3 25 | $1.6B | $732.6M | ||
| Q2 25 | $1.3B | $715.8M | ||
| Q1 25 | $1.2B | $704.8M | ||
| Q4 24 | $1.7B | $661.0M | ||
| Q3 24 | $874.0M | $647.6M | ||
| Q2 24 | $1.2B | $614.6M |
净利润RIVNWBS
| Q1 26 | — | $246.2M | ||
| Q4 25 | $-811.0M | $255.8M | ||
| Q3 25 | $-1.2B | $261.2M | ||
| Q2 25 | $-1.1B | $258.8M | ||
| Q1 25 | $-545.0M | $226.9M | ||
| Q4 24 | $-744.0M | $177.8M | ||
| Q3 24 | $-1.1B | $193.0M | ||
| Q2 24 | $-1.5B | $181.6M |
毛利率RIVNWBS
| Q1 26 | — | — | ||
| Q4 25 | 9.3% | — | ||
| Q3 25 | 1.5% | — | ||
| Q2 25 | -15.8% | — | ||
| Q1 25 | 16.6% | — | ||
| Q4 24 | 9.8% | — | ||
| Q3 24 | -44.9% | — | ||
| Q2 24 | -38.9% | — |
营业利润率RIVNWBS
| Q1 26 | — | — | ||
| Q4 25 | -64.8% | 48.6% | ||
| Q3 25 | -63.1% | 51.3% | ||
| Q2 25 | -85.5% | 51.7% | ||
| Q1 25 | -52.8% | 51.2% | ||
| Q4 24 | -38.1% | 48.5% | ||
| Q3 24 | -133.8% | 46.1% | ||
| Q2 24 | -118.7% | 47.0% |
净利率RIVNWBS
| Q1 26 | — | 33.5% | ||
| Q4 25 | -63.1% | 34.3% | ||
| Q3 25 | -75.3% | 35.7% | ||
| Q2 25 | -85.7% | 36.2% | ||
| Q1 25 | -44.0% | 32.2% | ||
| Q4 24 | -42.9% | 26.9% | ||
| Q3 24 | -125.9% | 29.8% | ||
| Q2 24 | -125.8% | 29.6% |
每股收益（稀释后）RIVNWBS
| Q1 26 | — | $1.50 | ||
| Q4 25 | $-0.66 | $1.54 | ||
| Q3 25 | $-0.96 | $1.54 | ||
| Q2 25 | $-0.97 | $1.52 | ||
| Q1 25 | $-0.48 | $1.30 | ||
| Q4 24 | $-0.67 | $1.01 | ||
| Q3 24 | $-1.08 | $1.10 | ||
| Q2 24 | $-1.46 | $1.03 |
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 | $6.1B | — |
| 总债务越低越好 | — | $738.3M |
| 股东权益账面价值 | $4.6B | $9.6B |
| 总资产 | $14.9B | $85.6B |
| 负债/权益比越低杠杆越低 | — | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资RIVNWBS
| Q1 26 | — | — | ||
| Q4 25 | $6.1B | — | ||
| Q3 25 | $7.1B | — | ||
| Q2 25 | $7.5B | — | ||
| Q1 25 | $7.2B | — | ||
| Q4 24 | $7.7B | — | ||
| Q3 24 | $6.7B | — | ||
| Q2 24 | $7.9B | — |
总债务RIVNWBS
| Q1 26 | — | $738.3M | ||
| Q4 25 | — | $739.5M | ||
| Q3 25 | — | $1.2B | ||
| Q2 25 | — | $905.6M | ||
| Q1 25 | — | $907.4M | ||
| Q4 24 | — | $909.2M | ||
| Q3 24 | — | $911.0M | ||
| Q2 24 | $5.5B | $912.7M |
股东权益RIVNWBS
| Q1 26 | — | $9.6B | ||
| Q4 25 | $4.6B | $9.5B | ||
| Q3 25 | $5.1B | $9.5B | ||
| Q2 25 | $6.1B | $9.3B | ||
| Q1 25 | $6.2B | $9.2B | ||
| Q4 24 | $6.6B | $9.1B | ||
| Q3 24 | $5.9B | $9.2B | ||
| Q2 24 | $6.8B | $8.8B |
总资产RIVNWBS
| Q1 26 | — | $85.6B | ||
| Q4 25 | $14.9B | $84.1B | ||
| Q3 25 | $15.2B | $83.2B | ||
| Q2 25 | $15.6B | $81.9B | ||
| Q1 25 | $15.5B | $80.3B | ||
| Q4 24 | $15.4B | $79.0B | ||
| Q3 24 | $14.3B | $79.5B | ||
| Q2 24 | $15.4B | $76.8B |
负债/权益比RIVNWBS
| Q1 26 | — | 0.08× | ||
| Q4 25 | — | 0.08× | ||
| Q3 25 | — | 0.13× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.10× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | 0.81× | 0.10× |
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 | $-681.0M | — |
| 自由现金流经营现金流 - 资本支出 | $-1.1B | — |
| 自由现金流率自由现金流/营收 | -89.0% | — |
| 资本支出强度资本支出/营收 | 36.0% | — |
| 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 | $-2.5B | — |
8季度趋势，按日历期对齐
经营现金流RIVNWBS
| Q1 26 | — | — | ||
| Q4 25 | $-681.0M | $1.1B | ||
| Q3 25 | $26.0M | $374.7M | ||
| Q2 25 | $64.0M | $270.9M | ||
| Q1 25 | $-188.0M | $94.9M | ||
| Q4 24 | $1.2B | $1.4B | ||
| Q3 24 | $-876.0M | $45.3M | ||
| Q2 24 | $-754.0M | $224.0M |
自由现金流RIVNWBS
| Q1 26 | — | — | ||
| Q4 25 | $-1.1B | $1.0B | ||
| Q3 25 | $-421.0M | $362.5M | ||
| Q2 25 | $-398.0M | $257.7M | ||
| Q1 25 | $-526.0M | $86.6M | ||
| Q4 24 | $856.0M | $1.4B | ||
| Q3 24 | $-1.2B | $35.3M | ||
| Q2 24 | $-1.0B | $215.6M |
自由现金流率RIVNWBS
| Q1 26 | — | — | ||
| Q4 25 | -89.0% | 135.2% | ||
| Q3 25 | -27.0% | 49.5% | ||
| Q2 25 | -30.5% | 36.0% | ||
| Q1 25 | -42.4% | 12.3% | ||
| Q4 24 | 49.4% | 207.0% | ||
| Q3 24 | -131.9% | 5.4% | ||
| Q2 24 | -89.6% | 35.1% |
资本支出强度RIVNWBS
| Q1 26 | — | — | ||
| Q4 25 | 36.0% | 6.6% | ||
| Q3 25 | 28.7% | 1.7% | ||
| Q2 25 | 35.5% | 1.8% | ||
| Q1 25 | 27.3% | 1.2% | ||
| Q4 24 | 18.9% | 5.4% | ||
| Q3 24 | 31.7% | 1.5% | ||
| Q2 24 | 24.4% | 1.4% |
现金转化率RIVNWBS
| Q1 26 | — | — | ||
| Q4 25 | — | 4.14× | ||
| Q3 25 | — | 1.43× | ||
| Q2 25 | — | 1.05× | ||
| Q1 25 | — | 0.42× | ||
| Q4 24 | — | 7.90× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 1.23× |
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
RIVN
| Automotive Segment | $839.0M | 65% |
| Software And Services Segment | $447.0M | 35% |
| Regulatory Credits | $30.0M | 2% |
WBS
| Net Interest Income | $634.4M | 86% |
| Noninterest Income | $101.5M | 14% |
