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SoFi Technologies, Inc.（SOFI）与天宝（TRMB）财务数据对比。点击上方公司名可切换其他公司
SoFi Technologies, Inc.的季度营收约是天宝的1.1倍（$1.0B vs $969.8M），SoFi Technologies, Inc.净利率更高（16.9% vs 16.1%，领先0.8%），SoFi Technologies, Inc.同比增速更快（39.6% vs -73.7%），天宝自由现金流更多（$360.9M vs $-4.0B），过去两年SoFi Technologies, Inc.的营收复合增速更高（26.1% vs 0.9%）
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。
天宝（Trimble Inc.）是1978年成立的美国科技企业，总部位于科罗拉多州威斯敏斯特，于纳斯达克上市，为标普500成分股。公司面向建筑工程、地理空间测绘、交通物流等多个行业，提供软硬件产品及相关技术服务。
SOFI vs TRMB — 直观对比
营收规模更大
SOFI
是对方的1.1倍
$969.8M
营收增速更快
SOFI
高出113.3%
-73.7%
净利率更高
SOFI
高出0.8%
16.1%
自由现金流更多
TRMB
多$4.3B
$-4.0B
两年增速更快
SOFI
近两年复合增速
0.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.0B | $969.8M |
| 净利润 | $173.5M | $156.6M |
| 毛利率 | 84.2% | 72.0% |
| 营业利润率 | 18.1% | 22.3% |
| 净利率 | 16.9% | 16.1% |
| 营收同比 | 39.6% | -73.7% |
| 净利润同比 | -47.8% | 73.6% |
| 每股收益（稀释后） | $0.14 | $0.65 |
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SOFITRMB
| Q4 25 | $1.0B | $901.2M | ||
| Q3 25 | $961.6M | $875.7M | ||
| Q2 25 | $854.9M | $840.6M | ||
| Q1 25 | $771.8M | $983.4M | ||
| Q4 24 | $734.1M | — | ||
| Q3 24 | $697.1M | $875.8M | ||
| Q2 24 | $598.6M | $870.8M | ||
| Q1 24 | $645.0M | $953.3M |
净利润SOFITRMB
| Q4 25 | $173.5M | $111.5M | ||
| Q3 25 | $139.4M | $89.2M | ||
| Q2 25 | $97.3M | $66.7M | ||
| Q1 25 | $71.1M | $90.2M | ||
| Q4 24 | $332.5M | — | ||
| Q3 24 | $60.7M | $40.6M | ||
| Q2 24 | $17.4M | $1.3B | ||
| Q1 24 | $88.0M | $57.2M |
毛利率SOFITRMB
| Q4 25 | 84.2% | 68.9% | ||
| Q3 25 | 83.2% | 68.3% | ||
| Q2 25 | 82.4% | 66.7% | ||
| Q1 25 | 82.4% | 69.3% | ||
| Q4 24 | 82.5% | — | ||
| Q3 24 | 82.3% | 65.7% | ||
| Q2 24 | 81.7% | 62.7% | ||
| Q1 24 | 84.5% | 62.3% |
营业利润率SOFITRMB
| Q4 25 | 18.1% | 16.7% | ||
| Q3 25 | 15.4% | 14.6% | ||
| Q2 25 | 13.1% | 11.6% | ||
| Q1 25 | 10.3% | 17.6% | ||
| Q4 24 | 8.2% | — | ||
| Q3 24 | 9.2% | 13.3% | ||
| Q2 24 | 2.6% | 7.1% | ||
| Q1 24 | 14.6% | 11.5% |
净利率SOFITRMB
| Q4 25 | 16.9% | 12.4% | ||
| Q3 25 | 14.5% | 10.2% | ||
| Q2 25 | 11.4% | 7.9% | ||
| Q1 25 | 9.2% | 9.2% | ||
| Q4 24 | 45.3% | — | ||
| Q3 24 | 8.7% | 4.6% | ||
| Q2 24 | 2.9% | 151.2% | ||
| Q1 24 | 13.7% | 6.0% |
每股收益（稀释后）SOFITRMB
| Q4 25 | $0.14 | $0.46 | ||
| Q3 25 | $0.11 | $0.37 | ||
| Q2 25 | $0.08 | $0.27 | ||
| Q1 25 | $0.06 | $0.36 | ||
| Q4 24 | $0.31 | — | ||
| Q3 24 | $0.05 | $0.16 | ||
| Q2 24 | $0.01 | $5.34 | ||
| Q1 24 | $0.02 | $0.23 |
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 | $253.4M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $10.5B | $5.8B |
| 总资产 | $50.7B | $9.3B |
| 负债/权益比越低杠杆越低 | — | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资SOFITRMB
| Q4 25 | $4.9B | $232.7M | ||
| Q3 25 | $3.2B | $265.9M | ||
| Q2 25 | $2.1B | $290.0M | ||
| Q1 25 | $2.1B | $738.8M | ||
| Q4 24 | $2.5B | — | ||
| Q3 24 | $2.4B | $1.0B | ||
| Q2 24 | $2.3B | $944.1M | ||
| Q1 24 | $3.7B | $255.1M |
总债务SOFITRMB
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益SOFITRMB
| Q4 25 | $10.5B | $5.8B | ||
| Q3 25 | $8.8B | $5.7B | ||
| Q2 25 | $6.9B | $5.4B | ||
| Q1 25 | $6.7B | $5.7B | ||
| Q4 24 | $6.5B | — | ||
| Q3 24 | $6.1B | $5.9B | ||
| Q2 24 | $5.9B | $5.6B | ||
| Q1 24 | $5.8B | $4.3B |
总资产SOFITRMB
| Q4 25 | $50.7B | $9.0B | ||
| Q3 25 | $45.3B | $9.1B | ||
| Q2 25 | $41.1B | $8.9B | ||
| Q1 25 | $37.7B | $9.5B | ||
| Q4 24 | $36.3B | — | ||
| Q3 24 | $34.4B | $9.9B | ||
| Q2 24 | $32.6B | $9.6B | ||
| Q1 24 | $31.3B | $9.3B |
负债/权益比SOFITRMB
| Q4 25 | — | 0.24× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $386.2M |
| 自由现金流经营现金流 - 资本支出 | $-4.0B | $360.9M |
| 自由现金流率自由现金流/营收 | -388.8% | 37.2% |
| 资本支出强度资本支出/营收 | 23.7% | 2.6% |
| 现金转化率经营现金流/净利润 | -21.56× | 2.47× |
| 过去12个月自由现金流最近4个季度 | $-6.9B | — |
8季度趋势，按日历期对齐
经营现金流SOFITRMB
| Q4 25 | $-3.7B | — | ||
| Q3 25 | $-1.3B | $123.8M | ||
| Q2 25 | $-1.5B | $155.6M | ||
| Q1 25 | $21.5M | $115.1M | ||
| Q4 24 | $-1.1B | — | ||
| Q3 24 | $-1.2B | $94.9M | ||
| Q2 24 | $-484.4M | $87.6M | ||
| Q1 24 | $738.2M | $233.8M |
自由现金流SOFITRMB
| Q4 25 | $-4.0B | — | ||
| Q3 25 | $-1.4B | $116.6M | ||
| Q2 25 | $-1.5B | $149.0M | ||
| Q1 25 | $-31.1M | $109.0M | ||
| Q4 24 | $-1.3B | — | ||
| Q3 24 | $-1.2B | $88.5M | ||
| Q2 24 | $-521.1M | $73.3M | ||
| Q1 24 | $706.3M | $227.0M |
自由现金流率SOFITRMB
| Q4 25 | -388.8% | — | ||
| Q3 25 | -142.0% | 13.3% | ||
| Q2 25 | -179.0% | 17.7% | ||
| Q1 25 | -4.0% | 11.1% | ||
| Q4 24 | -173.5% | — | ||
| Q3 24 | -174.6% | 10.1% | ||
| Q2 24 | -87.0% | 8.4% | ||
| Q1 24 | 109.5% | 23.8% |
资本支出强度SOFITRMB
| Q4 25 | 23.7% | — | ||
| Q3 25 | 6.2% | 0.8% | ||
| Q2 25 | 7.4% | 0.8% | ||
| Q1 25 | 6.8% | 0.6% | ||
| Q4 24 | 21.0% | — | ||
| Q3 24 | 6.2% | 0.7% | ||
| Q2 24 | 6.1% | 1.6% | ||
| Q1 24 | 5.0% | 0.7% |
现金转化率SOFITRMB
| Q4 25 | -21.56× | — | ||
| Q3 25 | -9.37× | 1.39× | ||
| Q2 25 | -15.08× | 2.33× | ||
| Q1 25 | 0.30× | 1.28× | ||
| Q4 24 | -3.37× | — | ||
| Q3 24 | -19.32× | 2.34× | ||
| Q2 24 | -27.83× | 0.07× | ||
| Q1 24 | 8.39× | 4.09× |
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
SOFI
暂无分部数据
TRMB
| Subscription and services | $701.5M | 72% |
| Product | $268.3M | 28% |
