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SoFi Technologies, Inc.（SOFI）与Petco Health & Wellness Company, Inc.（WOOF）财务数据对比。点击上方公司名可切换其他公司
Petco Health & Wellness Company, Inc.的季度营收约是SoFi Technologies, Inc.的1.4倍（$1.5B vs $1.0B），SoFi Technologies, Inc.净利率更高（16.9% vs 0.6%，领先16.3%），SoFi Technologies, Inc.同比增速更快（39.6% vs -3.1%），Petco Health & Wellness Company, Inc.自由现金流更多（$60.6M vs $-4.0B），过去两年SoFi Technologies, Inc.的营收复合增速更高（26.1% vs -6.5%）
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。
Petco健康与 wellness公司是美国知名宠物零售商，总部分别设于圣迭戈与圣安东尼奥。公司主营宠物食品、宠物用品及相关宠物服务，同时也售卖部分品类的活宠小型宠物，是北美宠物零售领域的老牌企业。
SOFI vs WOOF — 直观对比
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.0B | $1.5B |
| 净利润 | $173.5M | $9.3M |
| 毛利率 | 84.2% | 38.9% |
| 营业利润率 | 18.1% | 2.0% |
| 净利率 | 16.9% | 0.6% |
| 营收同比 | 39.6% | -3.1% |
| 净利润同比 | -47.8% | 156.0% |
| 每股收益（稀释后） | $0.14 | $0.03 |
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
| Q4 25 | $1.0B | $1.5B | ||
| Q3 25 | $961.6M | $1.5B | ||
| Q2 25 | $854.9M | $1.5B | ||
| Q1 25 | $771.8M | $1.6B | ||
| Q4 24 | $734.1M | $1.5B | ||
| Q3 24 | $697.1M | $1.5B | ||
| Q2 24 | $598.6M | $1.5B | ||
| Q1 24 | $645.0M | $1.7B |
| Q4 25 | $173.5M | $9.3M | ||
| Q3 25 | $139.4M | $14.0M | ||
| Q2 25 | $97.3M | $-11.7M | ||
| Q1 25 | $71.1M | $-13.8M | ||
| Q4 24 | $332.5M | $-16.7M | ||
| Q3 24 | $60.7M | $-24.8M | ||
| Q2 24 | $17.4M | $-46.5M | ||
| Q1 24 | $88.0M | $-22.6M |
| Q4 25 | 84.2% | 38.9% | ||
| Q3 25 | 83.2% | 39.3% | ||
| Q2 25 | 82.4% | 38.2% | ||
| Q1 25 | 82.4% | 38.0% | ||
| Q4 24 | 82.5% | 38.1% | ||
| Q3 24 | 82.3% | 38.1% | ||
| Q2 24 | 81.7% | 37.8% | ||
| Q1 24 | 84.5% | 36.2% |
| Q4 25 | 18.1% | 2.0% | ||
| Q3 25 | 15.4% | 2.9% | ||
| Q2 25 | 13.1% | 1.1% | ||
| Q1 25 | 10.3% | 1.1% | ||
| Q4 24 | 8.2% | 0.3% | ||
| Q3 24 | 9.2% | 0.2% | ||
| Q2 24 | 2.6% | -1.1% | ||
| Q1 24 | 14.6% | 0.0% |
| Q4 25 | 16.9% | 0.6% | ||
| Q3 25 | 14.5% | 0.9% | ||
| Q2 25 | 11.4% | -0.8% | ||
| Q1 25 | 9.2% | -0.9% | ||
| Q4 24 | 45.3% | -1.1% | ||
| Q3 24 | 8.7% | -1.6% | ||
| Q2 24 | 2.9% | -3.0% | ||
| Q1 24 | 13.7% | -1.3% |
| Q4 25 | $0.14 | $0.03 | ||
| Q3 25 | $0.11 | $0.05 | ||
| Q2 25 | $0.08 | $-0.04 | ||
| Q1 25 | $0.06 | $-0.05 | ||
| Q4 24 | $0.31 | $-0.06 | ||
| Q3 24 | $0.05 | $-0.09 | ||
| Q2 24 | $0.01 | $-0.17 | ||
| Q1 24 | $0.02 | $-0.09 |
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 | $237.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $10.5B | $1.2B |
| 总资产 | $50.7B | $5.2B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $4.9B | $237.4M | ||
| Q3 25 | $3.2B | $188.7M | ||
| Q2 25 | $2.1B | $133.3M | ||
| Q1 25 | $2.1B | $165.8M | ||
| Q4 24 | $2.5B | $116.7M | ||
| Q3 24 | $2.4B | $127.6M | ||
| Q2 24 | $2.3B | $89.7M | ||
| Q1 24 | $3.7B | $125.4M |
| Q4 25 | $10.5B | $1.2B | ||
| Q3 25 | $8.8B | $1.1B | ||
| Q2 25 | $6.9B | $1.1B | ||
| Q1 25 | $6.7B | $1.1B | ||
| Q4 24 | $6.5B | $1.1B | ||
| Q3 24 | $6.1B | $1.1B | ||
| Q2 24 | $5.9B | $1.2B | ||
| Q1 24 | $5.8B | $1.2B |
| Q4 25 | $50.7B | $5.2B | ||
| Q3 25 | $45.3B | $5.2B | ||
| Q2 25 | $41.1B | $5.1B | ||
| Q1 25 | $37.7B | $5.2B | ||
| Q4 24 | $36.3B | $5.2B | ||
| Q3 24 | $34.4B | $5.3B | ||
| Q2 24 | $32.6B | $5.3B | ||
| Q1 24 | $31.3B | $5.4B |
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 | $90.1M |
| 自由现金流经营现金流 - 资本支出 | $-4.0B | $60.6M |
| 自由现金流率自由现金流/营收 | -388.8% | 4.1% |
| 资本支出强度资本支出/营收 | 23.7% | 2.0% |
| 现金转化率经营现金流/净利润 | -21.56× | 9.66× |
| 过去12个月自由现金流最近4个季度 | $-6.9B | $129.6M |
8季度趋势，按日历期对齐
| Q4 25 | $-3.7B | $90.1M | ||
| Q3 25 | $-1.3B | $85.9M | ||
| Q2 25 | $-1.5B | $-15.5M | ||
| Q1 25 | $21.5M | $96.0M | ||
| Q4 24 | $-1.1B | $20.7M | ||
| Q3 24 | $-1.2B | $69.4M | ||
| Q2 24 | $-484.4M | $-8.4M | ||
| Q1 24 | $738.2M | $47.0M |
| Q4 25 | $-4.0B | $60.6M | ||
| Q3 25 | $-1.4B | $53.8M | ||
| Q2 25 | $-1.5B | $-43.9M | ||
| Q1 25 | $-31.1M | $59.0M | ||
| Q4 24 | $-1.3B | $-10.3M | ||
| Q3 24 | $-1.2B | $42.0M | ||
| Q2 24 | $-521.1M | $-41.1M | ||
| Q1 24 | $706.3M | $-2.0M |
| Q4 25 | -388.8% | 4.1% | ||
| Q3 25 | -142.0% | 3.6% | ||
| Q2 25 | -179.0% | -2.9% | ||
| Q1 25 | -4.0% | 3.8% | ||
| Q4 24 | -173.5% | -0.7% | ||
| Q3 24 | -174.6% | 2.8% | ||
| Q2 24 | -87.0% | -2.7% | ||
| Q1 24 | 109.5% | -0.1% |
| Q4 25 | 23.7% | 2.0% | ||
| Q3 25 | 6.2% | 2.2% | ||
| Q2 25 | 7.4% | 1.9% | ||
| Q1 25 | 6.8% | 2.4% | ||
| Q4 24 | 21.0% | 2.1% | ||
| Q3 24 | 6.2% | 1.8% | ||
| Q2 24 | 6.1% | 2.1% | ||
| Q1 24 | 5.0% | 2.9% |
| Q4 25 | -21.56× | 9.66× | ||
| Q3 25 | -9.37× | 6.15× | ||
| Q2 25 | -15.08× | — | ||
| Q1 25 | 0.30× | — | ||
| Q4 24 | -3.37× | — | ||
| Q3 24 | -19.32× | — | ||
| Q2 24 | -27.83× | — | ||
| Q1 24 | 8.39× | — |
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
WOOF
| Consumables | $731.5M | 50% |
| Supplies And Companion Animals | $478.1M | 33% |
| Services & Other | $254.8M | 17% |
