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Synchrony Financial（SYF）与United Rentals（URI）财务数据对比。点击上方公司名可切换其他公司
Synchrony Financial的季度营收约是United Rentals的1.2倍（$4.8B vs $4.0B），Synchrony Financial净利率更高（15.8% vs 13.3%，领先2.4%），United Rentals同比增速更快（7.2% vs 3.7%），过去两年United Rentals的营收复合增速更高（114.0% vs 4.0%）
Synchrony Financial是总部位于美国康涅狄格州斯坦福德的消费金融服务企业，通过旗下全资网络银行子公司Synchrony Bank开展业务，面向各行业商户及个人消费者提供消费信贷、优惠融资、忠诚度计划、分期贷款等多元金融产品服务。
United Rentals是美国设备租赁企业，2022年占据北美市场约16%的份额。截至2025年，该公司拥有全球规模最大的租赁车队，覆盖约4800类设备，原始设备成本总计约205.9亿美元，在全球共设1625个营业网点，业务覆盖北美、欧洲、澳大利亚及新西兰。
SYF vs URI — 直观对比
营收规模更大
SYF
是对方的1.2倍
$4.0B
营收增速更快
URI
高出3.5%
3.7%
净利率更高
SYF
高出2.4%
13.3%
两年增速更快
URI
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $4.8B | $4.0B |
| 净利润 | $751.0M | $531.0M |
| 毛利率 | — | 36.9% |
| 营业利润率 | 20.0% | 21.8% |
| 净利率 | 15.8% | 13.3% |
| 营收同比 | 3.7% | 7.2% |
| 净利润同比 | -3.0% | 2.5% |
| 每股收益（稀释后） | $2.03 | $8.43 |
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SYFURI
| Q1 26 | — | $4.0B | ||
| Q4 25 | $4.8B | $992.0M | ||
| Q3 25 | $4.7B | $938.0M | ||
| Q2 25 | $4.5B | $872.0M | ||
| Q1 25 | $4.5B | $893.0M | ||
| Q4 24 | $4.6B | $1.0B | ||
| Q3 24 | $4.6B | $874.0M | ||
| Q2 24 | $4.4B | $870.0M |
净利润SYFURI
| Q1 26 | — | $531.0M | ||
| Q4 25 | $751.0M | $653.0M | ||
| Q3 25 | $1.1B | $701.0M | ||
| Q2 25 | $967.0M | $622.0M | ||
| Q1 25 | $757.0M | $518.0M | ||
| Q4 24 | $774.0M | $689.0M | ||
| Q3 24 | $789.0M | $708.0M | ||
| Q2 24 | $643.0M | $636.0M |
毛利率SYFURI
| Q1 26 | — | 36.9% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率SYFURI
| Q1 26 | — | 21.8% | ||
| Q4 25 | 20.0% | — | ||
| Q3 25 | 30.3% | — | ||
| Q2 25 | 27.8% | — | ||
| Q1 25 | 22.0% | 90.0% | ||
| Q4 24 | 21.2% | — | ||
| Q3 24 | 22.3% | — | ||
| Q2 24 | 19.2% | — |
净利率SYFURI
| Q1 26 | — | 13.3% | ||
| Q4 25 | 15.8% | 65.8% | ||
| Q3 25 | 22.8% | 74.7% | ||
| Q2 25 | 21.4% | 71.3% | ||
| Q1 25 | 17.0% | 58.0% | ||
| Q4 24 | 16.9% | 67.6% | ||
| Q3 24 | 17.1% | 81.0% | ||
| Q2 24 | 14.6% | 73.1% |
每股收益（稀释后）SYFURI
| Q1 26 | — | $8.43 | ||
| Q4 25 | $2.03 | $10.20 | ||
| Q3 25 | $2.86 | $10.91 | ||
| Q2 25 | $2.50 | $9.59 | ||
| Q1 25 | $1.89 | $7.91 | ||
| Q4 24 | $1.92 | $10.41 | ||
| Q3 24 | $1.94 | $10.70 | ||
| Q2 24 | $1.55 | $9.54 |
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 | $15.0B | $156.0M |
| 总债务越低越好 | $15.2B | $13.9B |
| 股东权益账面价值 | $16.8B | $9.0B |
| 总资产 | $119.1B | $29.9B |
| 负债/权益比越低杠杆越低 | 0.91× | 1.55× |
8季度趋势，按日历期对齐
现金及短期投资SYFURI
| Q1 26 | — | $156.0M | ||
| Q4 25 | $15.0B | $459.0M | ||
| Q3 25 | $16.2B | $512.0M | ||
| Q2 25 | $19.5B | $548.0M | ||
| Q1 25 | $21.6B | $542.0M | ||
| Q4 24 | $14.7B | $457.0M | ||
| Q3 24 | $17.9B | $479.0M | ||
| Q2 24 | $18.6B | $467.0M |
总债务SYFURI
| Q1 26 | — | $13.9B | ||
| Q4 25 | $15.2B | $12.7B | ||
| Q3 25 | $14.4B | $12.6B | ||
| Q2 25 | $16.0B | $12.1B | ||
| Q1 25 | $17.0B | $11.5B | ||
| Q4 24 | $15.5B | $12.2B | ||
| Q3 24 | $15.6B | $11.9B | ||
| Q2 24 | $15.6B | $11.5B |
股东权益SYFURI
| Q1 26 | — | $9.0B | ||
| Q4 25 | $16.8B | $9.0B | ||
| Q3 25 | $17.1B | $9.0B | ||
| Q2 25 | $17.0B | $9.0B | ||
| Q1 25 | $16.6B | $8.8B | ||
| Q4 24 | $16.6B | $8.6B | ||
| Q3 24 | $16.0B | $8.6B | ||
| Q2 24 | $15.5B | $8.3B |
总资产SYFURI
| Q1 26 | — | $29.9B | ||
| Q4 25 | $119.1B | $29.9B | ||
| Q3 25 | $117.0B | $30.1B | ||
| Q2 25 | $120.5B | $29.2B | ||
| Q1 25 | $122.0B | $28.1B | ||
| Q4 24 | $119.5B | $28.2B | ||
| Q3 24 | $119.2B | $28.4B | ||
| Q2 24 | $120.5B | $27.6B |
负债/权益比SYFURI
| Q1 26 | — | 1.55× | ||
| Q4 25 | 0.91× | 1.41× | ||
| Q3 25 | 0.85× | 1.40× | ||
| Q2 25 | 0.94× | 1.34× | ||
| Q1 25 | 1.03× | 1.31× | ||
| Q4 24 | 0.93× | 1.42× | ||
| Q3 24 | 0.98× | 1.38× | ||
| Q2 24 | 1.01× | 1.39× |
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 | $2.5B | $1.5B |
| 自由现金流经营现金流 - 资本支出 | — | $1.1B |
| 自由现金流率自由现金流/营收 | — | 26.4% |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 3.27× | 2.85× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流SYFURI
| Q1 26 | — | $1.5B | ||
| Q4 25 | $2.5B | $1.3B | ||
| Q3 25 | $2.6B | $1.2B | ||
| Q2 25 | $2.6B | $1.3B | ||
| Q1 25 | $2.2B | $1.4B | ||
| Q4 24 | $2.4B | $1.0B | ||
| Q3 24 | $2.8B | $1.2B | ||
| Q2 24 | $2.5B | $1.3B |
自由现金流SYFURI
| Q1 26 | — | $1.1B | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $471.0M | ||
| Q3 24 | — | $-168.0M | ||
| Q2 24 | — | $-263.0M |
自由现金流率SYFURI
| Q1 26 | — | 26.4% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 46.2% | ||
| Q3 24 | — | -19.2% | ||
| Q2 24 | — | -30.2% |
资本支出强度SYFURI
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 56.6% | ||
| Q3 24 | — | 157.0% | ||
| Q2 24 | — | 175.6% |
现金转化率SYFURI
| Q1 26 | — | 2.85× | ||
| Q4 25 | 3.27× | 1.92× | ||
| Q3 25 | 2.45× | 1.68× | ||
| Q2 25 | 2.65× | 2.14× | ||
| Q1 25 | 2.91× | 2.75× | ||
| Q4 24 | 3.04× | 1.52× | ||
| Q3 24 | 3.50× | 1.70× | ||
| Q2 24 | 3.86× | 1.99× |
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
SYF
暂无分部数据
URI
| Equipment rentals | $3.4B | 86% |
| Sales of rental equipment | $350.0M | 9% |
| Service and other revenues | $92.0M | 2% |
| Sales of new equipment | $84.0M | 2% |
| Contractor supplies sales | $40.0M | 1% |
