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SoFi Technologies, Inc.（SOFI）与思佳讯（SWKS）财务数据对比。点击上方公司名可切换其他公司
思佳讯的季度营收约是SoFi Technologies, Inc.的1.0倍（$1.0B vs $1.0B），SoFi Technologies, Inc.净利率更高（16.9% vs 7.6%，领先9.3%），SoFi Technologies, Inc.同比增速更快（39.6% vs 8.6%），思佳讯自由现金流更多（$339.0M vs $-4.0B），过去两年SoFi Technologies, Inc.的营收复合增速更高（26.1% vs -0.5%）
SoFi Technologies是美国金融科技企业，2011年由斯坦福大学学生创立，持有全国性特许牌照运营线上银行，同时为其他金融机构提供技术解决方案，是美国规模最大的线上贷款机构，截至2025年累计服务客户达1370万。
思佳讯是总部位于美国加利福尼亚州尔湾的半导体企业，公司股票在纳斯达克全球精选市场挂牌交易，股票代码为SWKS，同时也是标普500指数的成分股之一，在全球射频半导体领域拥有较高市场地位。
SOFI vs SWKS — 直观对比
营收规模更大
SWKS
是对方的1.0倍
$1.0B
营收增速更快
SOFI
高出31.0%
8.6%
净利率更高
SOFI
高出9.3%
7.6%
自由现金流更多
SWKS
多$4.3B
$-4.0B
两年增速更快
SOFI
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.0B | $1.0B |
| 净利润 | $173.5M | $79.2M |
| 毛利率 | 84.2% | 41.3% |
| 营业利润率 | 18.1% | 10.0% |
| 净利率 | 16.9% | 7.6% |
| 营收同比 | 39.6% | 8.6% |
| 净利润同比 | -47.8% | 15.3% |
| 每股收益（稀释后） | $0.14 | $0.53 |
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SOFISWKS
| Q1 26 | — | $1.0B | ||
| Q4 25 | $1.0B | $1.1B | ||
| Q3 25 | $961.6M | — | ||
| Q2 25 | $854.9M | $965.0M | ||
| Q1 25 | $771.8M | $953.2M | ||
| Q4 24 | $734.1M | $1.1B | ||
| Q3 24 | $697.1M | $1.0B | ||
| Q2 24 | $598.6M | $905.5M |
净利润SOFISWKS
| Q1 26 | — | $79.2M | ||
| Q4 25 | $173.5M | $141.4M | ||
| Q3 25 | $139.4M | — | ||
| Q2 25 | $97.3M | $105.0M | ||
| Q1 25 | $71.1M | $68.7M | ||
| Q4 24 | $332.5M | $162.0M | ||
| Q3 24 | $60.7M | $60.5M | ||
| Q2 24 | $17.4M | $120.9M |
毛利率SOFISWKS
| Q1 26 | — | 41.3% | ||
| Q4 25 | 84.2% | 40.7% | ||
| Q3 25 | 83.2% | — | ||
| Q2 25 | 82.4% | 41.6% | ||
| Q1 25 | 82.4% | 41.1% | ||
| Q4 24 | 82.5% | 41.4% | ||
| Q3 24 | 82.3% | 41.9% | ||
| Q2 24 | 81.7% | 40.2% |
营业利润率SOFISWKS
| Q1 26 | — | 10.0% | ||
| Q4 25 | 18.1% | 10.1% | ||
| Q3 25 | 15.4% | — | ||
| Q2 25 | 13.1% | 11.5% | ||
| Q1 25 | 10.3% | 10.2% | ||
| Q4 24 | 8.2% | 16.9% | ||
| Q3 24 | 9.2% | 5.8% | ||
| Q2 24 | 2.6% | 14.4% |
净利率SOFISWKS
| Q1 26 | — | 7.6% | ||
| Q4 25 | 16.9% | 12.9% | ||
| Q3 25 | 14.5% | — | ||
| Q2 25 | 11.4% | 10.9% | ||
| Q1 25 | 9.2% | 7.2% | ||
| Q4 24 | 45.3% | 15.2% | ||
| Q3 24 | 8.7% | 5.9% | ||
| Q2 24 | 2.9% | 13.4% |
每股收益（稀释后）SOFISWKS
| Q1 26 | — | $0.53 | ||
| Q4 25 | $0.14 | $0.95 | ||
| Q3 25 | $0.11 | — | ||
| Q2 25 | $0.08 | $0.70 | ||
| Q1 25 | $0.06 | $0.43 | ||
| Q4 24 | $0.31 | $1.00 | ||
| Q3 24 | $0.05 | $0.36 | ||
| Q2 24 | $0.01 | $0.75 |
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 | $4.9B | $1.6B |
| 总债务越低越好 | — | $496.6M |
| 股东权益账面价值 | $10.5B | $5.8B |
| 总资产 | $50.7B | $7.9B |
| 负债/权益比越低杠杆越低 | — | 0.09× |
8季度趋势，按日历期对齐
现金及短期投资SOFISWKS
| Q1 26 | — | $1.6B | ||
| Q4 25 | $4.9B | $1.4B | ||
| Q3 25 | $3.2B | — | ||
| Q2 25 | $2.1B | $1.3B | ||
| Q1 25 | $2.1B | $1.5B | ||
| Q4 24 | $2.5B | $1.7B | ||
| Q3 24 | $2.4B | $1.6B | ||
| Q2 24 | $2.3B | $1.3B |
总债务SOFISWKS
| Q1 26 | — | $496.6M | ||
| Q4 25 | — | $496.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $496.2M | ||
| Q1 25 | — | $995.1M | ||
| Q4 24 | — | $994.7M | ||
| Q3 24 | — | $994.3M | ||
| Q2 24 | — | $994.0M |
股东权益SOFISWKS
| Q1 26 | — | $5.8B | ||
| Q4 25 | $10.5B | $5.8B | ||
| Q3 25 | $8.8B | — | ||
| Q2 25 | $6.9B | $5.7B | ||
| Q1 25 | $6.7B | $5.9B | ||
| Q4 24 | $6.5B | $6.4B | ||
| Q3 24 | $6.1B | $6.3B | ||
| Q2 24 | $5.9B | $6.3B |
总资产SOFISWKS
| Q1 26 | — | $7.9B | ||
| Q4 25 | $50.7B | $7.9B | ||
| Q3 25 | $45.3B | — | ||
| Q2 25 | $41.1B | $7.7B | ||
| Q1 25 | $37.7B | $7.9B | ||
| Q4 24 | $36.3B | $8.3B | ||
| Q3 24 | $34.4B | $8.3B | ||
| Q2 24 | $32.6B | $8.2B |
负债/权益比SOFISWKS
| Q1 26 | — | 0.09× | ||
| Q4 25 | — | 0.09× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.09× | ||
| Q1 25 | — | 0.17× | ||
| Q4 24 | — | 0.16× | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.16× |
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 | $-3.7B | $395.5M |
| 自由现金流经营现金流 - 资本支出 | $-4.0B | $339.0M |
| 自由现金流率自由现金流/营收 | -388.8% | 32.7% |
| 资本支出强度资本支出/营收 | 23.7% | 5.5% |
| 现金转化率经营现金流/净利润 | -21.56× | 4.99× |
| 过去12个月自由现金流最近4个季度 | $-6.9B | $1.1B |
8季度趋势，按日历期对齐
经营现金流SOFISWKS
| Q1 26 | — | $395.5M | ||
| Q4 25 | $-3.7B | $200.0M | ||
| Q3 25 | $-1.3B | — | ||
| Q2 25 | $-1.5B | $314.2M | ||
| Q1 25 | $21.5M | $409.4M | ||
| Q4 24 | $-1.1B | $377.2M | ||
| Q3 24 | $-1.2B | $476.1M | ||
| Q2 24 | $-484.4M | $273.4M |
自由现金流SOFISWKS
| Q1 26 | — | $339.0M | ||
| Q4 25 | $-4.0B | $144.0M | ||
| Q3 25 | $-1.4B | — | ||
| Q2 25 | $-1.5B | $252.7M | ||
| Q1 25 | $-31.1M | $370.9M | ||
| Q4 24 | $-1.3B | $338.2M | ||
| Q3 24 | $-1.2B | $393.3M | ||
| Q2 24 | $-521.1M | $249.0M |
自由现金流率SOFISWKS
| Q1 26 | — | 32.7% | ||
| Q4 25 | -388.8% | 13.1% | ||
| Q3 25 | -142.0% | — | ||
| Q2 25 | -179.0% | 26.2% | ||
| Q1 25 | -4.0% | 38.9% | ||
| Q4 24 | -173.5% | 31.7% | ||
| Q3 24 | -174.6% | 38.4% | ||
| Q2 24 | -87.0% | 27.5% |
资本支出强度SOFISWKS
| Q1 26 | — | 5.5% | ||
| Q4 25 | 23.7% | 5.1% | ||
| Q3 25 | 6.2% | — | ||
| Q2 25 | 7.4% | 6.4% | ||
| Q1 25 | 6.8% | 4.0% | ||
| Q4 24 | 21.0% | 3.6% | ||
| Q3 24 | 6.2% | 8.1% | ||
| Q2 24 | 6.1% | 2.7% |
现金转化率SOFISWKS
| Q1 26 | — | 4.99× | ||
| Q4 25 | -21.56× | 1.41× | ||
| Q3 25 | -9.37× | — | ||
| Q2 25 | -15.08× | 2.99× | ||
| Q1 25 | 0.30× | 5.96× | ||
| Q4 24 | -3.37× | 2.33× | ||
| Q3 24 | -19.32× | 7.87× | ||
| Q2 24 | -27.83× | 2.26× |
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
SOFI
暂无分部数据
SWKS
| Sales Channel Through Intermediary | $915.6M | 88% |
| Sales Channel Directly To Consumer | $119.8M | 12% |
