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SoFi Technologies, Inc.（SOFI）与泰瑞达（TER）财务数据对比。点击上方公司名可切换其他公司
泰瑞达的季度营收约是SoFi Technologies, Inc.的1.1倍（$1.1B vs $1.0B），泰瑞达净利率更高（23.7% vs 16.9%，领先6.8%），泰瑞达同比增速更快（43.9% vs 39.6%），泰瑞达自由现金流更多（$218.8M vs $-4.0B），过去两年泰瑞达的营收复合增速更高（34.4% vs 26.1%）
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。
泰瑞达是总部位于美国马萨诸塞州北雷丁的自动测试设备（ATE）设计及制造企业，在全球半导体测试领域拥有深厚技术积累，服务的知名客户涵盖三星、高通、英特尔、亚德诺、德州仪器、IBM等行业头部企业。
SOFI vs TER — 直观对比
营收规模更大
TER
是对方的1.1倍
$1.0B
营收增速更快
TER
高出4.3%
39.6%
净利率更高
TER
高出6.8%
16.9%
自由现金流更多
TER
多$4.2B
$-4.0B
两年增速更快
TER
近两年复合增速
26.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.0B | $1.1B |
| 净利润 | $173.5M | $257.2M |
| 毛利率 | 84.2% | 57.2% |
| 营业利润率 | 18.1% | 27.1% |
| 净利率 | 16.9% | 23.7% |
| 营收同比 | 39.6% | 43.9% |
| 净利润同比 | -47.8% | 75.9% |
| 每股收益（稀释后） | $0.14 | $1.62 |
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SOFITER
| Q4 25 | $1.0B | $1.1B | ||
| Q3 25 | $961.6M | $769.2M | ||
| Q2 25 | $854.9M | $651.8M | ||
| Q1 25 | $771.8M | $685.7M | ||
| Q4 24 | $734.1M | $752.9M | ||
| Q3 24 | $697.1M | $737.3M | ||
| Q2 24 | $598.6M | $729.9M | ||
| Q1 24 | $645.0M | $599.8M |
净利润SOFITER
| Q4 25 | $173.5M | $257.2M | ||
| Q3 25 | $139.4M | $119.6M | ||
| Q2 25 | $97.3M | $78.4M | ||
| Q1 25 | $71.1M | $98.9M | ||
| Q4 24 | $332.5M | $146.3M | ||
| Q3 24 | $60.7M | $145.6M | ||
| Q2 24 | $17.4M | $186.3M | ||
| Q1 24 | $88.0M | $64.2M |
毛利率SOFITER
| Q4 25 | 84.2% | 57.2% | ||
| Q3 25 | 83.2% | 58.4% | ||
| Q2 25 | 82.4% | 57.2% | ||
| Q1 25 | 82.4% | 60.6% | ||
| Q4 24 | 82.5% | 59.4% | ||
| Q3 24 | 82.3% | 59.2% | ||
| Q2 24 | 81.7% | 58.3% | ||
| Q1 24 | 84.5% | 56.6% |
营业利润率SOFITER
| Q4 25 | 18.1% | 27.1% | ||
| Q3 25 | 15.4% | 18.9% | ||
| Q2 25 | 13.1% | 13.9% | ||
| Q1 25 | 10.3% | 17.6% | ||
| Q4 24 | 8.2% | 20.4% | ||
| Q3 24 | 9.2% | 20.6% | ||
| Q2 24 | 2.6% | 28.8% | ||
| Q1 24 | 14.6% | 13.0% |
净利率SOFITER
| Q4 25 | 16.9% | 23.7% | ||
| Q3 25 | 14.5% | 15.5% | ||
| Q2 25 | 11.4% | 12.0% | ||
| Q1 25 | 9.2% | 14.4% | ||
| Q4 24 | 45.3% | 19.4% | ||
| Q3 24 | 8.7% | 19.8% | ||
| Q2 24 | 2.9% | 25.5% | ||
| Q1 24 | 13.7% | 10.7% |
每股收益（稀释后）SOFITER
| Q4 25 | $0.14 | $1.62 | ||
| Q3 25 | $0.11 | $0.75 | ||
| Q2 25 | $0.08 | $0.49 | ||
| Q1 25 | $0.06 | $0.61 | ||
| Q4 24 | $0.31 | $0.89 | ||
| Q3 24 | $0.05 | $0.89 | ||
| Q2 24 | $0.01 | $1.14 | ||
| Q1 24 | $0.02 | $0.40 |
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 | $293.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $10.5B | $2.8B |
| 总资产 | $50.7B | $4.2B |
| 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SOFITER
| Q4 25 | $4.9B | $293.8M | ||
| Q3 25 | $3.2B | $272.7M | ||
| Q2 25 | $2.1B | $339.3M | ||
| Q1 25 | $2.1B | $475.6M | ||
| Q4 24 | $2.5B | $553.4M | ||
| Q3 24 | $2.4B | $510.0M | ||
| Q2 24 | $2.3B | $421.9M | ||
| Q1 24 | $3.7B | $707.4M |
股东权益SOFITER
| Q4 25 | $10.5B | $2.8B | ||
| Q3 25 | $8.8B | $2.7B | ||
| Q2 25 | $6.9B | $2.8B | ||
| Q1 25 | $6.7B | $2.8B | ||
| Q4 24 | $6.5B | $2.8B | ||
| Q3 24 | $6.1B | $2.9B | ||
| Q2 24 | $5.9B | $2.7B | ||
| Q1 24 | $5.8B | $2.6B |
总资产SOFITER
| Q4 25 | $50.7B | $4.2B | ||
| Q3 25 | $45.3B | $4.0B | ||
| Q2 25 | $41.1B | $3.8B | ||
| Q1 25 | $37.7B | $3.7B | ||
| Q4 24 | $36.3B | $3.7B | ||
| Q3 24 | $34.4B | $3.8B | ||
| Q2 24 | $32.6B | $3.6B | ||
| Q1 24 | $31.3B | $3.4B |
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 | $281.6M |
| 自由现金流经营现金流 - 资本支出 | $-4.0B | $218.8M |
| 自由现金流率自由现金流/营收 | -388.8% | 20.2% |
| 资本支出强度资本支出/营收 | 23.7% | 5.8% |
| 现金转化率经营现金流/净利润 | -21.56× | 1.09× |
| 过去12个月自由现金流最近4个季度 | $-6.9B | $450.4M |
8季度趋势，按日历期对齐
经营现金流SOFITER
| Q4 25 | $-3.7B | $281.6M | ||
| Q3 25 | $-1.3B | $49.0M | ||
| Q2 25 | $-1.5B | $182.1M | ||
| Q1 25 | $21.5M | $161.6M | ||
| Q4 24 | $-1.1B | $282.6M | ||
| Q3 24 | $-1.2B | $166.3M | ||
| Q2 24 | $-484.4M | $216.1M | ||
| Q1 24 | $738.2M | $7.3M |
自由现金流SOFITER
| Q4 25 | $-4.0B | $218.8M | ||
| Q3 25 | $-1.4B | $2.4M | ||
| Q2 25 | $-1.5B | $131.7M | ||
| Q1 25 | $-31.1M | $97.6M | ||
| Q4 24 | $-1.3B | $225.2M | ||
| Q3 24 | $-1.2B | $114.4M | ||
| Q2 24 | $-521.1M | $171.2M | ||
| Q1 24 | $706.3M | $-36.7M |
自由现金流率SOFITER
| Q4 25 | -388.8% | 20.2% | ||
| Q3 25 | -142.0% | 0.3% | ||
| Q2 25 | -179.0% | 20.2% | ||
| Q1 25 | -4.0% | 14.2% | ||
| Q4 24 | -173.5% | 29.9% | ||
| Q3 24 | -174.6% | 15.5% | ||
| Q2 24 | -87.0% | 23.5% | ||
| Q1 24 | 109.5% | -6.1% |
资本支出强度SOFITER
| Q4 25 | 23.7% | 5.8% | ||
| Q3 25 | 6.2% | 6.1% | ||
| Q2 25 | 7.4% | 7.7% | ||
| Q1 25 | 6.8% | 9.3% | ||
| Q4 24 | 21.0% | 7.6% | ||
| Q3 24 | 6.2% | 7.0% | ||
| Q2 24 | 6.1% | 6.1% | ||
| Q1 24 | 5.0% | 7.3% |
现金转化率SOFITER
| Q4 25 | -21.56× | 1.09× | ||
| Q3 25 | -9.37× | 0.41× | ||
| Q2 25 | -15.08× | 2.32× | ||
| Q1 25 | 0.30× | 1.63× | ||
| Q4 24 | -3.37× | 1.93× | ||
| Q3 24 | -19.32× | 1.14× | ||
| Q2 24 | -27.83× | 1.16× | ||
| Q1 24 | 8.39× | 0.11× |
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
TER
| Soc | $646.5M | 60% |
| Memory | $206.5M | 19% |
| Transferred At Point In Time | $90.0M | 8% |
| Universal Robots | $89.4M | 8% |
| IST | $30.5M | 3% |
| Transferred Over Time | $20.5M | 2% |
