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Synchrony Financial（SYF）与西部数据（WDC）财务数据对比。点击上方公司名可切换其他公司
Synchrony Financial的季度营收约是西部数据的1.6倍（$4.8B vs $3.0B），西部数据净利率更高（61.1% vs 15.8%，领先45.3%），西部数据同比增速更快（31.5% vs 3.7%），过去两年Synchrony Financial的营收复合增速更高（4.0% vs -6.6%）
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。
西部数据（简称WD）是总部位于美国加利福尼亚州圣何塞的知名数据存储企业，成立于1970年，是全球最大的硬盘驱动器（HDD）制造商之一，产品覆盖消费级、企业级等多元存储场景，为全球客户提供高性能、高可靠性的存储解决方案。
SYF vs WDC — 直观对比
营收规模更大
SYF
是对方的1.6倍
$3.0B
营收增速更快
WDC
高出27.8%
3.7%
净利率更高
WDC
高出45.3%
15.8%
两年增速更快
SYF
近两年复合增速
-6.6%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $4.8B | $3.0B |
| 净利润 | $751.0M | $1.8B |
| 毛利率 | — | 45.7% |
| 营业利润率 | 20.0% | 30.1% |
| 净利率 | 15.8% | 61.1% |
| 营收同比 | 3.7% | 31.5% |
| 净利润同比 | -3.0% | 254.2% |
| 每股收益（稀释后） | $2.03 | $4.73 |
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SYFWDC
| Q1 26 | — | $3.0B | ||
| Q4 25 | $4.8B | $2.8B | ||
| Q3 25 | $4.7B | — | ||
| Q2 25 | $4.5B | $-1.2B | ||
| Q1 25 | $4.5B | $2.3B | ||
| Q4 24 | $4.6B | $4.3B | ||
| Q3 24 | $4.6B | $4.1B | ||
| Q2 24 | $4.4B | $3.8B |
净利润SYFWDC
| Q1 26 | — | $1.8B | ||
| Q4 25 | $751.0M | $1.2B | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $967.0M | $282.0M | ||
| Q1 25 | $757.0M | $520.0M | ||
| Q4 24 | $774.0M | $594.0M | ||
| Q3 24 | $789.0M | $493.0M | ||
| Q2 24 | $643.0M | $39.0M |
毛利率SYFWDC
| Q1 26 | — | 45.7% | ||
| Q4 25 | — | 43.5% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 39.8% | ||
| Q4 24 | — | 35.4% | ||
| Q3 24 | — | 37.9% | ||
| Q2 24 | — | 35.9% |
营业利润率SYFWDC
| Q1 26 | — | 30.1% | ||
| Q4 25 | 20.0% | 28.1% | ||
| Q3 25 | 30.3% | — | ||
| Q2 25 | 27.8% | — | ||
| Q1 25 | 22.0% | 33.1% | ||
| Q4 24 | 21.2% | 19.9% | ||
| Q3 24 | 22.3% | 18.1% | ||
| Q2 24 | 19.2% | 5.7% |
净利率SYFWDC
| Q1 26 | — | 61.1% | ||
| Q4 25 | 15.8% | 41.9% | ||
| Q3 25 | 22.8% | — | ||
| Q2 25 | 21.4% | -24.4% | ||
| Q1 25 | 17.0% | 22.7% | ||
| Q4 24 | 16.9% | 13.9% | ||
| Q3 24 | 17.1% | 12.0% | ||
| Q2 24 | 14.6% | 1.0% |
每股收益（稀释后）SYFWDC
| Q1 26 | — | $4.73 | ||
| Q4 25 | $2.03 | $3.07 | ||
| Q3 25 | $2.86 | — | ||
| Q2 25 | $2.50 | $0.72 | ||
| Q1 25 | $1.89 | $1.42 | ||
| Q4 24 | $1.92 | $1.63 | ||
| Q3 24 | $1.94 | $1.35 | ||
| Q2 24 | $1.55 | $0.15 |
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 | $2.0B |
| 总债务越低越好 | $15.2B | $4.7B |
| 股东权益账面价值 | $16.8B | $7.1B |
| 总资产 | $119.1B | $15.6B |
| 负债/权益比越低杠杆越低 | 0.91× | 0.65× |
8季度趋势，按日历期对齐
现金及短期投资SYFWDC
| Q1 26 | — | $2.0B | ||
| Q4 25 | $15.0B | $2.0B | ||
| Q3 25 | $16.2B | — | ||
| Q2 25 | $19.5B | $2.1B | ||
| Q1 25 | $21.6B | $3.5B | ||
| Q4 24 | $14.7B | $2.3B | ||
| Q3 24 | $17.9B | $1.7B | ||
| Q2 24 | $18.6B | $1.9B |
总债务SYFWDC
| Q1 26 | — | $4.7B | ||
| Q4 25 | $15.2B | $4.7B | ||
| Q3 25 | $14.4B | — | ||
| Q2 25 | $16.0B | $4.7B | ||
| Q1 25 | $17.0B | $7.3B | ||
| Q4 24 | $15.5B | $7.4B | ||
| Q3 24 | $15.6B | $7.4B | ||
| Q2 24 | $15.6B | $7.4B |
股东权益SYFWDC
| Q1 26 | — | $7.1B | ||
| Q4 25 | $16.8B | $5.9B | ||
| Q3 25 | $17.1B | — | ||
| Q2 25 | $17.0B | $5.3B | ||
| Q1 25 | $16.6B | $5.2B | ||
| Q4 24 | $16.6B | $12.1B | ||
| Q3 24 | $16.0B | $11.6B | ||
| Q2 24 | $15.5B | $10.8B |
总资产SYFWDC
| Q1 26 | — | $15.6B | ||
| Q4 25 | $119.1B | $14.4B | ||
| Q3 25 | $117.0B | — | ||
| Q2 25 | $120.5B | $14.0B | ||
| Q1 25 | $122.0B | $16.4B | ||
| Q4 24 | $119.5B | $25.5B | ||
| Q3 24 | $119.2B | $24.8B | ||
| Q2 24 | $120.5B | $24.2B |
负债/权益比SYFWDC
| Q1 26 | — | 0.65× | ||
| Q4 25 | 0.91× | 0.80× | ||
| Q3 25 | 0.85× | — | ||
| Q2 25 | 0.94× | 0.89× | ||
| Q1 25 | 1.03× | 1.42× | ||
| Q4 24 | 0.93× | 0.61× | ||
| Q3 24 | 0.98× | 0.64× | ||
| Q2 24 | 1.01× | 0.69× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 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× | — |
| 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SYFWDC
| Q1 26 | — | — | ||
| Q4 25 | $2.5B | $672.0M | ||
| Q3 25 | $2.6B | — | ||
| Q2 25 | $2.6B | $746.0M | ||
| Q1 25 | $2.2B | $508.0M | ||
| Q4 24 | $2.4B | $403.0M | ||
| Q3 24 | $2.8B | $34.0M | ||
| Q2 24 | $2.5B | $366.0M |
自由现金流SYFWDC
| Q1 26 | — | — | ||
| Q4 25 | — | $599.0M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $675.0M | ||
| Q1 25 | — | $379.0M | ||
| Q4 24 | — | $287.0M | ||
| Q3 24 | — | $-62.0M | ||
| Q2 24 | — | $250.0M |
自由现金流率SYFWDC
| Q1 26 | — | — | ||
| Q4 25 | — | 21.3% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -58.5% | ||
| Q1 25 | — | 16.5% | ||
| Q4 24 | — | 6.7% | ||
| Q3 24 | — | -1.5% | ||
| Q2 24 | — | 6.6% |
资本支出强度SYFWDC
| Q1 26 | — | — | ||
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -6.2% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 3.1% |
现金转化率SYFWDC
| Q1 26 | — | — | ||
| Q4 25 | 3.27× | 0.57× | ||
| Q3 25 | 2.45× | — | ||
| Q2 25 | 2.65× | 2.65× | ||
| Q1 25 | 2.91× | 0.98× | ||
| Q4 24 | 3.04× | 0.68× | ||
| Q3 24 | 3.50× | 0.07× | ||
| Q2 24 | 3.86× | 9.38× |
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
WDC
| Cloud | $2.7B | 89% |
| Client Devices | $176.0M | 6% |
| Consumer | $168.0M | 6% |
