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SLM Corp（SLM）与WORLD ACCEPTANCE CORP（WRLD）财务数据对比。点击上方公司名可切换其他公司
SLM Corp的季度营收约是WORLD ACCEPTANCE CORP的4.0倍（$560.0M vs $141.3M）。SLM Corp净利率更高（55.0% vs -0.6%，领先55.6%）。过去两年SLM Corp的营收复合增速更高（22.7% vs -5.8%）
尼康旗下SLM Solutions AG总部位于德国吕贝克，是金属3D打印机领域的上市生产商，共同拥有SLM文字商标，集团股份自2014年5月9日起在法兰克福证券交易所高级市场板块挂牌交易。
本公司是一家汽车金融企业，主营汽车贷款及相关金融产品，业务通过全国合作经销商网络开展。目前公司运营两大核心业务项目，分别为投资组合项目与收购项目，通过这两个项目，公司可向汽车经销商预先提供资金，以此获得底层消费贷款的服务权等相关权益。
SLM vs WRLD — 直观对比
营收规模更大
SLM
是对方的4.0倍
$141.3M
净利率更高
SLM
高出55.6%
-0.6%
两年增速更快
SLM
近两年复合增速
-5.8%
损益表 — Q1 2026 vs Q3 2026
| 指标 | | |
|---|---|---|
| 营收 | $560.0M | $141.3M |
| 净利润 | $308.0M | $-911.3K |
| 毛利率 | — | — |
| 营业利润率 | — | -0.7% |
| 净利率 | 55.0% | -0.6% |
| 营收同比 | — | 1.9% |
| 净利润同比 | 1.0% | -106.8% |
| 每股收益（稀释后） | $1.54 | $-0.19 |
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SLMWRLD
| Q1 26 | $560.0M | — | ||
| Q4 25 | $377.1M | $141.3M | ||
| Q3 25 | $373.0M | $134.5M | ||
| Q2 25 | $376.8M | $132.5M | ||
| Q1 25 | $375.0M | $165.3M | ||
| Q4 24 | $362.2M | $138.6M | ||
| Q3 24 | $359.4M | $131.4M | ||
| Q2 24 | $372.2M | $129.5M |
净利润SLMWRLD
| Q1 26 | $308.0M | — | ||
| Q4 25 | $233.2M | $-911.3K | ||
| Q3 25 | $135.8M | $-1.9M | ||
| Q2 25 | $71.3M | $1.3M | ||
| Q1 25 | $304.5M | $44.3M | ||
| Q4 24 | $111.6M | $13.4M | ||
| Q3 24 | $-45.2M | $22.1M | ||
| Q2 24 | $252.0M | $9.9M |
营业利润率SLMWRLD
| Q1 26 | — | — | ||
| Q4 25 | 83.8% | -0.7% | ||
| Q3 25 | 49.8% | -1.3% | ||
| Q2 25 | 23.3% | 1.5% | ||
| Q1 25 | — | 33.3% | ||
| Q4 24 | 36.5% | 11.6% | ||
| Q3 24 | -16.6% | 21.3% | ||
| Q2 24 | 91.0% | 10.0% |
净利率SLMWRLD
| Q1 26 | 55.0% | — | ||
| Q4 25 | 61.8% | -0.6% | ||
| Q3 25 | 36.4% | -1.4% | ||
| Q2 25 | 18.9% | 1.0% | ||
| Q1 25 | 81.2% | 26.8% | ||
| Q4 24 | 30.8% | 9.7% | ||
| Q3 24 | -12.6% | 16.8% | ||
| Q2 24 | 67.7% | 7.7% |
每股收益（稀释后）SLMWRLD
| Q1 26 | $1.54 | — | ||
| Q4 25 | $1.11 | $-0.19 | ||
| Q3 25 | $0.63 | $-0.38 | ||
| Q2 25 | $0.32 | $0.25 | ||
| Q1 25 | $1.40 | $8.07 | ||
| Q4 24 | $0.53 | $2.45 | ||
| Q3 24 | $-0.23 | $3.99 | ||
| Q2 24 | $1.11 | $1.79 |
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 | $5.2B | $10.0M |
| 总债务越低越好 | $6.2B | $677.2M |
| 股东权益账面价值 | $2.4B | $351.6M |
| 总资产 | $29.4B | $1.1B |
| 负债/权益比越低杠杆越低 | 2.53× | 1.93× |
8季度趋势，按日历期对齐
现金及短期投资SLMWRLD
| Q1 26 | $5.2B | — | ||
| Q4 25 | $4.2B | $10.0M | ||
| Q3 25 | $3.5B | $14.9M | ||
| Q2 25 | $4.1B | $8.1M | ||
| Q1 25 | $3.7B | $4.7M | ||
| Q4 24 | $4.7B | $10.3M | ||
| Q3 24 | $4.5B | $9.7M | ||
| Q2 24 | $5.3B | $11.1M |
总债务SLMWRLD
| Q1 26 | $6.2B | — | ||
| Q4 25 | $5.4B | $677.2M | ||
| Q3 25 | $6.8B | $584.6M | ||
| Q2 25 | $6.4B | $472.5M | ||
| Q1 25 | $6.1B | $447.9M | ||
| Q4 24 | $6.4B | $561.2M | ||
| Q3 24 | $6.0B | $506.6M | ||
| Q2 24 | $5.4B | $494.7M |
股东权益SLMWRLD
| Q1 26 | $2.4B | — | ||
| Q4 25 | $2.5B | $351.6M | ||
| Q3 25 | $2.3B | $365.6M | ||
| Q2 25 | $2.4B | $427.9M | ||
| Q1 25 | $2.4B | $439.5M | ||
| Q4 24 | $2.2B | $428.2M | ||
| Q3 24 | $2.1B | $417.5M | ||
| Q2 24 | $2.3B | $422.6M |
总资产SLMWRLD
| Q1 26 | $29.4B | — | ||
| Q4 25 | $29.7B | $1.1B | ||
| Q3 25 | $29.6B | $1.1B | ||
| Q2 25 | $29.6B | $1.0B | ||
| Q1 25 | $28.9B | $1.0B | ||
| Q4 24 | $30.1B | $1.1B | ||
| Q3 24 | $30.0B | $1.0B | ||
| Q2 24 | $28.8B | $1.0B |
负债/权益比SLMWRLD
| Q1 26 | 2.53× | — | ||
| Q4 25 | 2.19× | 1.93× | ||
| Q3 25 | 2.92× | 1.60× | ||
| Q2 25 | 2.70× | 1.10× | ||
| Q1 25 | 2.56× | 1.02× | ||
| Q4 24 | 2.98× | 1.31× | ||
| Q3 24 | 2.83× | 1.21× | ||
| Q2 24 | 2.37× | 1.17× |
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 | — | $58.0M |
| 自由现金流经营现金流 - 资本支出 | — | $57.2M |
| 自由现金流率自由现金流/营收 | — | 40.5% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 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 | — | $252.0M |
8季度趋势，按日历期对齐
经营现金流SLMWRLD
| Q1 26 | — | — | ||
| Q4 25 | $-64.5M | $58.0M | ||
| Q3 25 | $-49.3M | $48.6M | ||
| Q2 25 | $-138.7M | $58.2M | ||
| Q1 25 | $-146.1M | $90.9M | ||
| Q4 24 | $4.5M | $61.1M | ||
| Q3 24 | $-113.4M | $53.8M | ||
| Q2 24 | $-143.8M | $48.4M |
自由现金流SLMWRLD
| Q1 26 | — | — | ||
| Q4 25 | — | $57.2M | ||
| Q3 25 | — | $47.7M | ||
| Q2 25 | — | $57.1M | ||
| Q1 25 | — | $90.0M | ||
| Q4 24 | — | $60.4M | ||
| Q3 24 | — | $52.7M | ||
| Q2 24 | — | $47.3M |
自由现金流率SLMWRLD
| Q1 26 | — | — | ||
| Q4 25 | — | 40.5% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 43.1% | ||
| Q1 25 | — | 54.5% | ||
| Q4 24 | — | 43.6% | ||
| Q3 24 | — | 40.1% | ||
| Q2 24 | — | 36.5% |
资本支出强度SLMWRLD
| Q1 26 | — | — | ||
| Q4 25 | — | 0.6% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 0.8% |
现金转化率SLMWRLD
| Q1 26 | — | — | ||
| Q4 25 | -0.28× | — | ||
| Q3 25 | -0.36× | — | ||
| Q2 25 | -1.95× | 43.27× | ||
| Q1 25 | -0.48× | 2.05× | ||
| Q4 24 | 0.04× | 4.56× | ||
| Q3 24 | — | 2.43× | ||
| Q2 24 | -0.57× | 4.87× |
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
SLM
| Net Interest Income | $375.0M | 67% |
| Noninterest Income | $185.0M | 33% |
WRLD
暂无分部数据
