vs
null（SWIM）与WORLD ACCEPTANCE CORP（WRLD）财务数据对比。点击上方公司名可切换其他公司
WORLD ACCEPTANCE CORP的季度营收约是null的1.2倍（$141.3M vs $117.3M），WORLD ACCEPTANCE CORP净利率更高（-0.6% vs -7.3%，领先6.6%），null同比增速更快（5.3% vs 1.9%），过去两年WORLD ACCEPTANCE CORP的营收复合增速更高（-5.8% vs -14.4%）
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
本公司是一家汽车金融企业，主营汽车贷款及相关金融产品，业务通过全国合作经销商网络开展。目前公司运营两大核心业务项目，分别为投资组合项目与收购项目，通过这两个项目，公司可向汽车经销商预先提供资金，以此获得底层消费贷款的服务权等相关权益。
SWIM vs WRLD — 直观对比
营收规模更大
WRLD
是对方的1.2倍
$117.3M
营收增速更快
SWIM
高出3.4%
1.9%
净利率更高
WRLD
高出6.6%
-7.3%
两年增速更快
WRLD
近两年复合增速
-14.4%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $117.3M | $141.3M |
| 净利润 | $-8.5M | $-911.3K |
| 毛利率 | 31.7% | — |
| 营业利润率 | — | -0.7% |
| 净利率 | -7.3% | -0.6% |
| 营收同比 | 5.3% | 1.9% |
| 净利润同比 | -43.1% | -106.8% |
| 每股收益（稀释后） | $-0.07 | $-0.19 |
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SWIMWRLD
| Q1 26 | $117.3M | — | ||
| Q4 25 | $100.0M | $141.3M | ||
| Q3 25 | $161.9M | $134.5M | ||
| Q2 25 | $172.6M | $132.5M | ||
| Q1 25 | $111.4M | $165.3M | ||
| Q4 24 | $87.3M | $138.6M | ||
| Q3 24 | $150.5M | $131.4M | ||
| Q2 24 | $160.1M | $129.5M |
净利润SWIMWRLD
| Q1 26 | $-8.5M | — | ||
| Q4 25 | $-7.0M | $-911.3K | ||
| Q3 25 | $8.1M | $-1.9M | ||
| Q2 25 | $16.0M | $1.3M | ||
| Q1 25 | $-6.0M | $44.3M | ||
| Q4 24 | $-29.2M | $13.4M | ||
| Q3 24 | $5.9M | $22.1M | ||
| Q2 24 | $13.3M | $9.9M |
毛利率SWIMWRLD
| Q1 26 | 31.7% | — | ||
| Q4 25 | 28.0% | — | ||
| Q3 25 | 35.4% | — | ||
| Q2 25 | 37.1% | — | ||
| Q1 25 | 29.5% | — | ||
| Q4 24 | 24.6% | — | ||
| Q3 24 | 32.4% | — | ||
| Q2 24 | 33.1% | — |
营业利润率SWIMWRLD
| Q1 26 | — | — | ||
| Q4 25 | -10.7% | -0.7% | ||
| Q3 25 | 13.3% | -1.3% | ||
| Q2 25 | 14.3% | 1.5% | ||
| Q1 25 | -4.4% | 33.3% | ||
| Q4 24 | -14.9% | 11.6% | ||
| Q3 24 | 8.9% | 21.3% | ||
| Q2 24 | 12.5% | 10.0% |
净利率SWIMWRLD
| Q1 26 | -7.3% | — | ||
| Q4 25 | -7.0% | -0.6% | ||
| Q3 25 | 5.0% | -1.4% | ||
| Q2 25 | 9.3% | 1.0% | ||
| Q1 25 | -5.4% | 26.8% | ||
| Q4 24 | -33.4% | 9.7% | ||
| Q3 24 | 3.9% | 16.8% | ||
| Q2 24 | 8.3% | 7.7% |
每股收益（稀释后）SWIMWRLD
| Q1 26 | $-0.07 | — | ||
| Q4 25 | $-0.06 | $-0.19 | ||
| Q3 25 | $0.07 | $-0.38 | ||
| Q2 25 | $0.13 | $0.25 | ||
| Q1 25 | $-0.05 | $8.07 | ||
| Q4 24 | $-0.24 | $2.45 | ||
| Q3 24 | $0.05 | $3.99 | ||
| Q2 24 | $0.11 | $1.79 |
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 | — | $10.0M |
| 总债务越低越好 | $3.3M | $677.2M |
| 股东权益账面价值 | $396.7M | $351.6M |
| 总资产 | $856.4M | $1.1B |
| 负债/权益比越低杠杆越低 | 0.01× | 1.93× |
8季度趋势，按日历期对齐
现金及短期投资SWIMWRLD
| Q1 26 | — | — | ||
| Q4 25 | — | $10.0M | ||
| Q3 25 | — | $14.9M | ||
| Q2 25 | — | $8.1M | ||
| Q1 25 | — | $4.7M | ||
| Q4 24 | — | $10.3M | ||
| Q3 24 | — | $9.7M | ||
| Q2 24 | — | $11.1M |
总债务SWIMWRLD
| Q1 26 | $3.3M | — | ||
| Q4 25 | $279.8M | $677.2M | ||
| Q3 25 | $281.1M | $584.6M | ||
| Q2 25 | $281.5M | $472.5M | ||
| Q1 25 | $306.9M | $447.9M | ||
| Q4 24 | $281.5M | $561.2M | ||
| Q3 24 | $282.8M | $506.6M | ||
| Q2 24 | $282.4M | $494.7M |
股东权益SWIMWRLD
| Q1 26 | $396.7M | — | ||
| Q4 25 | $405.9M | $351.6M | ||
| Q3 25 | $408.4M | $365.6M | ||
| Q2 25 | $398.4M | $427.9M | ||
| Q1 25 | $381.1M | $439.5M | ||
| Q4 24 | $387.2M | $428.2M | ||
| Q3 24 | $416.6M | $417.5M | ||
| Q2 24 | $408.1M | $422.6M |
总资产SWIMWRLD
| Q1 26 | $856.4M | — | ||
| Q4 25 | $823.2M | $1.1B | ||
| Q3 25 | $844.4M | $1.1B | ||
| Q2 25 | $822.1M | $1.0B | ||
| Q1 25 | $824.6M | $1.0B | ||
| Q4 24 | $794.2M | $1.1B | ||
| Q3 24 | $853.4M | $1.0B | ||
| Q2 24 | $830.0M | $1.0B |
负债/权益比SWIMWRLD
| Q1 26 | 0.01× | — | ||
| Q4 25 | 0.69× | 1.93× | ||
| Q3 25 | 0.69× | 1.60× | ||
| Q2 25 | 0.71× | 1.10× | ||
| Q1 25 | 0.81× | 1.02× | ||
| Q4 24 | 0.73× | 1.31× | ||
| Q3 24 | 0.68× | 1.21× | ||
| Q2 24 | 0.69× | 1.17× |
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 | $-47.7M | $58.0M |
| 自由现金流经营现金流 - 资本支出 | — | $57.2M |
| 自由现金流率自由现金流/营收 | — | 40.5% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $412.5M |
8季度趋势，按日历期对齐
经营现金流SWIMWRLD
| Q1 26 | $-47.7M | — | ||
| Q4 25 | $23.3M | $58.0M | ||
| Q3 25 | $51.0M | $48.6M | ||
| Q2 25 | $36.0M | $58.2M | ||
| Q1 25 | $-46.9M | $254.2M | ||
| Q4 24 | $6.2M | $61.1M | ||
| Q3 24 | $37.2M | $53.8M | ||
| Q2 24 | $52.4M | $48.4M |
自由现金流SWIMWRLD
| Q1 26 | — | — | ||
| Q4 25 | $14.1M | $57.2M | ||
| Q3 25 | $45.2M | $47.7M | ||
| Q2 25 | $29.1M | $57.1M | ||
| Q1 25 | $-50.3M | $250.5M | ||
| Q4 24 | $-98.0K | $60.4M | ||
| Q3 24 | $33.2M | $52.7M | ||
| Q2 24 | $47.9M | $47.3M |
自由现金流率SWIMWRLD
| Q1 26 | — | — | ||
| Q4 25 | 14.1% | 40.5% | ||
| Q3 25 | 27.9% | 35.5% | ||
| Q2 25 | 16.8% | 43.1% | ||
| Q1 25 | -45.2% | 151.6% | ||
| Q4 24 | -0.1% | 43.6% | ||
| Q3 24 | 22.1% | 40.1% | ||
| Q2 24 | 29.9% | 36.5% |
资本支出强度SWIMWRLD
| Q1 26 | — | — | ||
| Q4 25 | 9.2% | 0.6% | ||
| Q3 25 | 3.6% | 0.7% | ||
| Q2 25 | 4.0% | 0.8% | ||
| Q1 25 | 3.1% | 2.2% | ||
| Q4 24 | 7.2% | 0.5% | ||
| Q3 24 | 2.7% | 0.8% | ||
| Q2 24 | 2.8% | 0.8% |
现金转化率SWIMWRLD
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 6.29× | — | ||
| Q2 25 | 2.25× | 43.27× | ||
| Q1 25 | — | 5.74× | ||
| Q4 24 | — | 4.56× | ||
| Q3 24 | 6.32× | 2.43× | ||
| Q2 24 | 3.95× | 4.87× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
