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Synchrony Financial（SYF）与Williams Companies（WMB）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Williams Companies的1.2倍（$4.8B vs $3.8B），Williams Companies净利率更高（19.1% vs 15.8%，领先3.3%），Williams Companies同比增速更快（12.7% vs 3.7%），过去两年Williams Companies的营收复合增速更高（7.3% 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。
总部位于美国俄克拉荷马州塔尔萨的能源企业，位列《财富》美国500强，普通股为标普500指数成分股，核心业务为天然气加工与运输，同时持有石油、发电相关资产。
SYF vs WMB — 直观对比
营收规模更大
SYF
是对方的1.2倍
$3.8B
营收增速更快
WMB
高出9.0%
3.7%
净利率更高
WMB
高出3.3%
15.8%
两年增速更快
WMB
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $4.8B | $3.8B |
| 净利润 | $751.0M | $734.0M |
| 毛利率 | — | — |
| 营业利润率 | 20.0% | 27.3% |
| 净利率 | 15.8% | 19.1% |
| 营收同比 | 3.7% | 12.7% |
| 净利润同比 | -3.0% | 51.0% |
| 每股收益（稀释后） | $2.03 | $0.60 |
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SYFWMB
| Q4 25 | $4.8B | $3.8B | ||
| Q3 25 | $4.7B | $3.5B | ||
| Q2 25 | $4.5B | $3.4B | ||
| Q1 25 | $4.5B | $4.2B | ||
| Q4 24 | $4.6B | $3.4B | ||
| Q3 24 | $4.6B | $3.0B | ||
| Q2 24 | $4.4B | $2.8B | ||
| Q1 24 | $4.4B | $3.3B |
净利润SYFWMB
| Q4 25 | $751.0M | $734.0M | ||
| Q3 25 | $1.1B | $647.0M | ||
| Q2 25 | $967.0M | $546.0M | ||
| Q1 25 | $757.0M | $691.0M | ||
| Q4 24 | $774.0M | $486.0M | ||
| Q3 24 | $789.0M | $706.0M | ||
| Q2 24 | $643.0M | $401.0M | ||
| Q1 24 | $1.3B | $632.0M |
营业利润率SYFWMB
| Q4 25 | 20.0% | 27.3% | ||
| Q3 25 | 30.3% | 31.8% | ||
| Q2 25 | 27.8% | 28.0% | ||
| Q1 25 | 22.0% | 26.1% | ||
| Q4 24 | 21.2% | 23.2% | ||
| Q3 24 | 22.3% | 27.6% | ||
| Q2 24 | 19.2% | 24.4% | ||
| Q1 24 | 38.8% | 30.3% |
净利率SYFWMB
| Q4 25 | 15.8% | 19.1% | ||
| Q3 25 | 22.8% | 18.5% | ||
| Q2 25 | 21.4% | 16.2% | ||
| Q1 25 | 17.0% | 16.5% | ||
| Q4 24 | 16.9% | 14.2% | ||
| Q3 24 | 17.1% | 23.3% | ||
| Q2 24 | 14.6% | 14.1% | ||
| Q1 24 | 29.4% | 18.9% |
每股收益（稀释后）SYFWMB
| Q4 25 | $2.03 | $0.60 | ||
| Q3 25 | $2.86 | $0.53 | ||
| Q2 25 | $2.50 | $0.45 | ||
| Q1 25 | $1.89 | $0.56 | ||
| Q4 24 | $1.92 | $0.39 | ||
| Q3 24 | $1.94 | $0.58 | ||
| Q2 24 | $1.55 | $0.33 | ||
| Q1 24 | $3.14 | $0.52 |
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 | — |
| 总债务越低越好 | $15.2B | $27.3B |
| 股东权益账面价值 | $16.8B | $12.8B |
| 总资产 | $119.1B | $58.6B |
| 负债/权益比越低杠杆越低 | 0.91× | 2.13× |
8季度趋势，按日历期对齐
现金及短期投资SYFWMB
| Q4 25 | $15.0B | — | ||
| Q3 25 | $16.2B | — | ||
| Q2 25 | $19.5B | — | ||
| Q1 25 | $21.6B | — | ||
| Q4 24 | $14.7B | — | ||
| Q3 24 | $17.9B | — | ||
| Q2 24 | $18.6B | — | ||
| Q1 24 | $20.0B | — |
总债务SYFWMB
| Q4 25 | $15.2B | $27.3B | ||
| Q3 25 | $14.4B | $25.6B | ||
| Q2 25 | $16.0B | $25.6B | ||
| Q1 25 | $17.0B | $24.1B | ||
| Q4 24 | $15.5B | $24.7B | ||
| Q3 24 | $15.6B | $24.8B | ||
| Q2 24 | $15.6B | $24.1B | ||
| Q1 24 | $16.1B | $24.1B |
股东权益SYFWMB
| Q4 25 | $16.8B | $12.8B | ||
| Q3 25 | $17.1B | $12.5B | ||
| Q2 25 | $17.0B | $12.4B | ||
| Q1 25 | $16.6B | $12.5B | ||
| Q4 24 | $16.6B | $12.4B | ||
| Q3 24 | $16.0B | $12.4B | ||
| Q2 24 | $15.5B | $12.3B | ||
| Q1 24 | $15.3B | $12.4B |
总资产SYFWMB
| Q4 25 | $119.1B | $58.6B | ||
| Q3 25 | $117.0B | $55.7B | ||
| Q2 25 | $120.5B | $56.1B | ||
| Q1 25 | $122.0B | $54.9B | ||
| Q4 24 | $119.5B | $54.5B | ||
| Q3 24 | $119.2B | $53.8B | ||
| Q2 24 | $120.5B | $52.4B | ||
| Q1 24 | $121.2B | $52.7B |
负债/权益比SYFWMB
| Q4 25 | 0.91× | 2.13× | ||
| Q3 25 | 0.85× | 2.04× | ||
| Q2 25 | 0.94× | 2.06× | ||
| Q1 25 | 1.03× | 1.93× | ||
| Q4 24 | 0.93× | 1.99× | ||
| Q3 24 | 0.98× | 2.00× | ||
| Q2 24 | 1.01× | 1.96× | ||
| Q1 24 | 1.06× | 1.94× |
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 | $1.6B |
| 自由现金流经营现金流 - 资本支出 | — | $-379.0M |
| 自由现金流率自由现金流/营收 | — | -9.9% |
| 资本支出强度资本支出/营收 | — | 50.9% |
| 现金转化率经营现金流/净利润 | 3.27× | 2.15× |
| 过去12个月自由现金流最近4个季度 | — | $1.0B |
8季度趋势，按日历期对齐
经营现金流SYFWMB
| Q4 25 | $2.5B | $1.6B | ||
| Q3 25 | $2.6B | $1.4B | ||
| Q2 25 | $2.6B | $1.4B | ||
| Q1 25 | $2.2B | $1.4B | ||
| Q4 24 | $2.4B | $1.2B | ||
| Q3 24 | $2.8B | $1.2B | ||
| Q2 24 | $2.5B | $1.3B | ||
| Q1 24 | $2.2B | $1.2B |
自由现金流SYFWMB
| Q4 25 | — | $-379.0M | ||
| Q3 25 | — | $485.0M | ||
| Q2 25 | — | $478.0M | ||
| Q1 25 | — | $421.0M | ||
| Q4 24 | — | $450.0M | ||
| Q3 24 | — | $561.0M | ||
| Q2 24 | — | $700.0M | ||
| Q1 24 | — | $690.0M |
自由现金流率SYFWMB
| Q4 25 | — | -9.9% | ||
| Q3 25 | — | 13.9% | ||
| Q2 25 | — | 14.2% | ||
| Q1 25 | — | 10.1% | ||
| Q4 24 | — | 13.2% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 24.6% | ||
| Q1 24 | — | 20.7% |
资本支出强度SYFWMB
| Q4 25 | — | 50.9% | ||
| Q3 25 | — | 27.3% | ||
| Q2 25 | — | 28.8% | ||
| Q1 25 | — | 24.2% | ||
| Q4 24 | — | 22.5% | ||
| Q3 24 | — | 22.5% | ||
| Q2 24 | — | 20.3% | ||
| Q1 24 | — | 16.3% |
现金转化率SYFWMB
| Q4 25 | 3.27× | 2.15× | ||
| Q3 25 | 2.45× | 2.22× | ||
| Q2 25 | 2.65× | 2.66× | ||
| Q1 25 | 2.91× | 2.07× | ||
| Q4 24 | 3.04× | 2.51× | ||
| Q3 24 | 3.50× | 1.76× | ||
| Q2 24 | 3.86× | 3.19× | ||
| Q1 24 | 1.74× | 1.95× |
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
WMB
| Services | $2.2B | 57% |
| Natural Gas Us Regulated | $740.0M | 19% |
| West | $730.0M | 19% |
| Non Regulated Service Commodity Consideration | $51.0M | 1% |
| Natural Gas Gathering Transportation Marketing And Processing | $45.0M | 1% |
| Affiliated Entity | $23.0M | 1% |
| Other | $14.0M | 0% |
| Other Service | $11.0M | 0% |
