vs
SoFi Technologies, Inc.（SOFI）与Virtu Financial, Inc.（VIRT）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Virtu Financial, Inc.的1.1倍（$1.0B vs $969.9M），SoFi Technologies, Inc.净利率更高（16.9% vs 14.4%，领先2.5%），SoFi Technologies, Inc.同比增速更快（39.6% vs 16.3%），Virtu Financial, Inc.自由现金流更多（$495.6M vs $-4.0B），过去两年SoFi Technologies, Inc.的营收复合增速更高（26.1% vs 22.8%）
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。
Virtu Financial, Inc.是一家总部位于美国的高频交易企业，专注于金融市场的自动化交易业务，拥有行业领先的交易技术研发与落地能力，于2015年在纳斯达克证券交易所正式挂牌上市。
SOFI vs VIRT — 直观对比
营收规模更大
SOFI
是对方的1.1倍
$969.9M
营收增速更快
SOFI
高出23.4%
16.3%
净利率更高
SOFI
高出2.5%
14.4%
自由现金流更多
VIRT
多$4.5B
$-4.0B
两年增速更快
SOFI
近两年复合增速
22.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.0B | $969.9M |
| 净利润 | $173.5M | $139.9M |
| 毛利率 | 84.2% | — |
| 营业利润率 | 18.1% | 35.4% |
| 净利率 | 16.9% | 14.4% |
| 营收同比 | 39.6% | 16.3% |
| 净利润同比 | -47.8% | 48.7% |
| 每股收益（稀释后） | $0.14 | $1.54 |
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SOFIVIRT
| Q4 25 | $1.0B | $969.9M | ||
| Q3 25 | $961.6M | $824.8M | ||
| Q2 25 | $854.9M | $999.6M | ||
| Q1 25 | $771.8M | $837.9M | ||
| Q4 24 | $734.1M | $834.3M | ||
| Q3 24 | $697.1M | $706.8M | ||
| Q2 24 | $598.6M | $693.0M | ||
| Q1 24 | $645.0M | $642.8M |
净利润SOFIVIRT
| Q4 25 | $173.5M | $139.9M | ||
| Q3 25 | $139.4M | $77.6M | ||
| Q2 25 | $97.3M | $151.2M | ||
| Q1 25 | $71.1M | $99.7M | ||
| Q4 24 | $332.5M | $94.1M | ||
| Q3 24 | $60.7M | $60.0M | ||
| Q2 24 | $17.4M | $66.6M | ||
| Q1 24 | $88.0M | $55.8M |
毛利率SOFIVIRT
| Q4 25 | 84.2% | — | ||
| Q3 25 | 83.2% | — | ||
| Q2 25 | 82.4% | — | ||
| Q1 25 | 82.4% | — | ||
| Q4 24 | 82.5% | — | ||
| Q3 24 | 82.3% | — | ||
| Q2 24 | 81.7% | — | ||
| Q1 24 | 84.5% | — |
营业利润率SOFIVIRT
| Q4 25 | 18.1% | 35.4% | ||
| Q3 25 | 15.4% | 21.8% | ||
| Q2 25 | 13.1% | 34.7% | ||
| Q1 25 | 10.3% | 26.7% | ||
| Q4 24 | 8.2% | 24.3% | ||
| Q3 24 | 9.2% | 20.8% | ||
| Q2 24 | 2.6% | 22.4% | ||
| Q1 24 | 14.6% | 21.8% |
净利率SOFIVIRT
| Q4 25 | 16.9% | 14.4% | ||
| Q3 25 | 14.5% | 9.4% | ||
| Q2 25 | 11.4% | 15.1% | ||
| Q1 25 | 9.2% | 11.9% | ||
| Q4 24 | 45.3% | 11.3% | ||
| Q3 24 | 8.7% | 8.5% | ||
| Q2 24 | 2.9% | 9.6% | ||
| Q1 24 | 13.7% | 8.7% |
每股收益（稀释后）SOFIVIRT
| Q4 25 | $0.14 | $1.54 | ||
| Q3 25 | $0.11 | $0.86 | ||
| Q2 25 | $0.08 | $1.65 | ||
| Q1 25 | $0.06 | $1.08 | ||
| Q4 24 | $0.31 | $1.03 | ||
| Q3 24 | $0.05 | $0.64 | ||
| Q2 24 | $0.01 | $0.71 | ||
| Q1 24 | $0.02 | $0.59 |
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 | $1.1B |
| 总债务越低越好 | — | $2.0B |
| 股东权益账面价值 | $10.5B | $1.6B |
| 总资产 | $50.7B | $20.2B |
| 负债/权益比越低杠杆越低 | — | 1.29× |
8季度趋势，按日历期对齐
现金及短期投资SOFIVIRT
| Q4 25 | $4.9B | $1.1B | ||
| Q3 25 | $3.2B | $707.9M | ||
| Q2 25 | $2.1B | $752.1M | ||
| Q1 25 | $2.1B | $723.6M | ||
| Q4 24 | $2.5B | $872.5M | ||
| Q3 24 | $2.4B | $701.4M | ||
| Q2 24 | $2.3B | $684.8M | ||
| Q1 24 | $3.7B | $399.6M |
总债务SOFIVIRT
| Q4 25 | — | $2.0B | ||
| Q3 25 | — | $2.0B | ||
| Q2 25 | — | $1.7B | ||
| Q1 25 | — | $1.7B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.7B |
股东权益SOFIVIRT
| Q4 25 | $10.5B | $1.6B | ||
| Q3 25 | $8.8B | $1.5B | ||
| Q2 25 | $6.9B | $1.4B | ||
| Q1 25 | $6.7B | $1.3B | ||
| Q4 24 | $6.5B | $1.3B | ||
| Q3 24 | $6.1B | $1.2B | ||
| Q2 24 | $5.9B | $1.2B | ||
| Q1 24 | $5.8B | $1.2B |
总资产SOFIVIRT
| Q4 25 | $50.7B | $20.2B | ||
| Q3 25 | $45.3B | $21.3B | ||
| Q2 25 | $41.1B | $19.3B | ||
| Q1 25 | $37.7B | $17.5B | ||
| Q4 24 | $36.3B | $15.4B | ||
| Q3 24 | $34.4B | $14.4B | ||
| Q2 24 | $32.6B | $13.9B | ||
| Q1 24 | $31.3B | $12.8B |
负债/权益比SOFIVIRT
| Q4 25 | — | 1.29× | ||
| Q3 25 | — | 1.40× | ||
| Q2 25 | — | 1.24× | ||
| Q1 25 | — | 1.33× | ||
| Q4 24 | — | 1.39× | ||
| Q3 24 | — | 1.41× | ||
| Q2 24 | — | 1.41× | ||
| Q1 24 | — | 1.42× |
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 | $518.4M |
| 自由现金流经营现金流 - 资本支出 | $-4.0B | $495.6M |
| 自由现金流率自由现金流/营收 | -388.8% | 51.1% |
| 资本支出强度资本支出/营收 | 23.7% | 2.4% |
| 现金转化率经营现金流/净利润 | -21.56× | 3.71× |
| 过去12个月自由现金流最近4个季度 | $-6.9B | $485.6M |
8季度趋势，按日历期对齐
经营现金流SOFIVIRT
| Q4 25 | $-3.7B | $518.4M | ||
| Q3 25 | $-1.3B | $-68.7M | ||
| Q2 25 | $-1.5B | $62.8M | ||
| Q1 25 | $21.5M | $15.0M | ||
| Q4 24 | $-1.1B | $599.0M | ||
| Q3 24 | $-1.2B | $112.1M | ||
| Q2 24 | $-484.4M | $490.8M | ||
| Q1 24 | $738.2M | $-395.4M |
自由现金流SOFIVIRT
| Q4 25 | $-4.0B | $495.6M | ||
| Q3 25 | $-1.4B | $-76.7M | ||
| Q2 25 | $-1.5B | $57.6M | ||
| Q1 25 | $-31.1M | $9.2M | ||
| Q4 24 | $-1.3B | $586.6M | ||
| Q3 24 | $-1.2B | $106.2M | ||
| Q2 24 | $-521.1M | $486.9M | ||
| Q1 24 | $706.3M | $-398.2M |
自由现金流率SOFIVIRT
| Q4 25 | -388.8% | 51.1% | ||
| Q3 25 | -142.0% | -9.3% | ||
| Q2 25 | -179.0% | 5.8% | ||
| Q1 25 | -4.0% | 1.1% | ||
| Q4 24 | -173.5% | 70.3% | ||
| Q3 24 | -174.6% | 15.0% | ||
| Q2 24 | -87.0% | 70.3% | ||
| Q1 24 | 109.5% | -61.9% |
资本支出强度SOFIVIRT
| Q4 25 | 23.7% | 2.4% | ||
| Q3 25 | 6.2% | 1.0% | ||
| Q2 25 | 7.4% | 0.5% | ||
| Q1 25 | 6.8% | 0.7% | ||
| Q4 24 | 21.0% | 1.5% | ||
| Q3 24 | 6.2% | 0.8% | ||
| Q2 24 | 6.1% | 0.6% | ||
| Q1 24 | 5.0% | 0.4% |
现金转化率SOFIVIRT
| Q4 25 | -21.56× | 3.71× | ||
| Q3 25 | -9.37× | -0.89× | ||
| Q2 25 | -15.08× | 0.42× | ||
| Q1 25 | 0.30× | 0.15× | ||
| Q4 24 | -3.37× | 6.37× | ||
| Q3 24 | -19.32× | 1.87× | ||
| Q2 24 | -27.83× | 7.37× | ||
| Q1 24 | 8.39× | -7.08× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
