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特灵科技（TT）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是特灵科技的1.4倍（$7.4B vs $5.1B），美国合众银行净利率更高（27.8% vs 11.5%，领先16.3%），特灵科技同比增速更快（5.5% vs 5.1%），过去两年特灵科技的营收复合增速更高（10.5% vs 4.7%）
特灵科技是一家注册地位于爱尔兰的企业，核心业务覆盖采暖、通风、空调及制冷系统领域。品牌历史可追溯至150多年前，历经多次并购与分拆：2008年暖通空调厂商特灵被美国工业工具制造商英格索兰收购，2020年工具业务分拆独立为英格索兰，剩余业务正式更名特灵科技。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
TT vs USB — 直观对比
营收规模更大
USB
是对方的1.4倍
$5.1B
营收增速更快
TT
高出0.5%
5.1%
净利率更高
USB
高出16.3%
11.5%
两年增速更快
TT
近两年复合增速
4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $5.1B | $7.4B |
| 净利润 | $591.3M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 15.9% | 34.4% |
| 净利率 | 11.5% | 27.8% |
| 营收同比 | 5.5% | 5.1% |
| 净利润同比 | -2.2% | 23.0% |
| 每股收益（稀释后） | $2.64 | $1.26 |
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TTUSB
| Q4 25 | $5.1B | $7.4B | ||
| Q3 25 | $5.7B | $7.3B | ||
| Q2 25 | $5.7B | $7.0B | ||
| Q1 25 | $4.7B | $7.0B | ||
| Q4 24 | $4.9B | $7.0B | ||
| Q3 24 | $5.4B | $6.9B | ||
| Q2 24 | $5.3B | $6.9B | ||
| Q1 24 | $4.2B | $6.7B |
净利润TTUSB
| Q4 25 | $591.3M | $2.0B | ||
| Q3 25 | $847.6M | $2.0B | ||
| Q2 25 | $874.8M | $1.8B | ||
| Q1 25 | $604.9M | $1.7B | ||
| Q4 24 | $604.3M | $1.7B | ||
| Q3 24 | $772.0M | $1.7B | ||
| Q2 24 | $755.3M | $1.6B | ||
| Q1 24 | $436.3M | $1.3B |
毛利率TTUSB
| Q4 25 | — | — | ||
| Q3 25 | 36.9% | — | ||
| Q2 25 | 37.6% | — | ||
| Q1 25 | 35.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 36.3% | — | ||
| Q2 24 | 36.5% | — | ||
| Q1 24 | 34.6% | — |
营业利润率TTUSB
| Q4 25 | 15.9% | 34.4% | ||
| Q3 25 | 20.3% | 34.5% | ||
| Q2 25 | 20.3% | 32.7% | ||
| Q1 25 | 17.5% | 31.0% | ||
| Q4 24 | 16.6% | 30.1% | ||
| Q3 24 | 18.8% | 30.2% | ||
| Q2 24 | 19.5% | 29.9% | ||
| Q1 24 | 15.0% | 24.9% |
净利率TTUSB
| Q4 25 | 11.5% | 27.8% | ||
| Q3 25 | 14.8% | 27.3% | ||
| Q2 25 | 15.2% | 25.9% | ||
| Q1 25 | 12.9% | 24.6% | ||
| Q4 24 | 12.4% | 23.7% | ||
| Q3 24 | 14.2% | 25.0% | ||
| Q2 24 | 14.2% | 23.3% | ||
| Q1 24 | 10.3% | 19.6% |
每股收益（稀释后）TTUSB
| Q4 25 | $2.64 | $1.26 | ||
| Q3 25 | $3.78 | $1.22 | ||
| Q2 25 | $3.89 | $1.11 | ||
| Q1 25 | $2.67 | $1.03 | ||
| Q4 24 | $2.65 | $1.01 | ||
| Q3 24 | $3.39 | $1.03 | ||
| Q2 24 | $3.30 | $0.97 | ||
| Q1 24 | $1.90 | $0.78 |
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 | $1.8B | — |
| 总债务越低越好 | $4.6B | — |
| 股东权益账面价值 | $8.6B | $65.2B |
| 总资产 | $21.4B | $692.3B |
| 负债/权益比越低杠杆越低 | 0.54× | — |
8季度趋势，按日历期对齐
现金及短期投资TTUSB
| Q4 25 | $1.8B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.6B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
总债务TTUSB
| Q4 25 | $4.6B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $4.8B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益TTUSB
| Q4 25 | $8.6B | $65.2B | ||
| Q3 25 | $8.3B | $63.3B | ||
| Q2 25 | $7.8B | $61.4B | ||
| Q1 25 | $7.5B | $60.1B | ||
| Q4 24 | $7.5B | $58.6B | ||
| Q3 24 | $7.6B | $58.9B | ||
| Q2 24 | $6.9B | $56.4B | ||
| Q1 24 | $6.9B | $55.6B |
总资产TTUSB
| Q4 25 | $21.4B | $692.3B | ||
| Q3 25 | $21.4B | $695.4B | ||
| Q2 25 | $21.0B | $686.4B | ||
| Q1 25 | $20.1B | $676.5B | ||
| Q4 24 | $20.1B | $678.3B | ||
| Q3 24 | $20.9B | $686.5B | ||
| Q2 24 | $20.2B | $680.1B | ||
| Q1 24 | $19.3B | $683.6B |
负债/权益比TTUSB
| Q4 25 | 0.54× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.64× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $1.2B | $2.8B |
| 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 | 1.96× | 1.39× |
| 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TTUSB
| Q4 25 | $1.2B | $2.8B | ||
| Q3 25 | $1.0B | $3.4B | ||
| Q2 25 | $692.1M | $2.0B | ||
| Q1 25 | $339.5M | $-285.0M | ||
| Q4 24 | $899.9M | $4.8B | ||
| Q3 24 | $1.3B | $972.0M | ||
| Q2 24 | $695.9M | $2.9B | ||
| Q1 24 | $247.2M | $2.7B |
自由现金流TTUSB
| Q4 25 | — | — | ||
| Q3 25 | $935.6M | — | ||
| Q2 25 | $602.2M | — | ||
| Q1 25 | $220.6M | — | ||
| Q4 24 | $774.3M | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $623.0M | — | ||
| Q1 24 | $163.4M | — |
自由现金流率TTUSB
| Q4 25 | — | — | ||
| Q3 25 | 16.3% | — | ||
| Q2 25 | 10.5% | — | ||
| Q1 25 | 4.7% | — | ||
| Q4 24 | 15.9% | — | ||
| Q3 24 | 22.3% | — | ||
| Q2 24 | 11.7% | — | ||
| Q1 24 | 3.9% | — |
资本支出强度TTUSB
| Q4 25 | — | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 1.6% | — | ||
| Q1 25 | 2.5% | — | ||
| Q4 24 | 2.6% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 1.4% | — | ||
| Q1 24 | 2.0% | — |
现金转化率TTUSB
| Q4 25 | 1.96× | 1.39× | ||
| Q3 25 | 1.18× | 1.69× | ||
| Q2 25 | 0.79× | 1.12× | ||
| Q1 25 | 0.56× | -0.17× | ||
| Q4 24 | 1.49× | 2.87× | ||
| Q3 24 | 1.69× | 0.57× | ||
| Q2 24 | 0.92× | 1.79× | ||
| Q1 24 | 0.57× | 2.02× |
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
TT
| Services | $2.8B | 55% |
| Other | $2.3B | 45% |
USB
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