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优步（UBER）与富国银行（WFC）财务数据对比。点击上方公司名可切换其他公司
富国银行的季度营收约是优步的1.5倍（$21.3B vs $14.4B），富国银行净利率更高（25.2% vs 2.1%，领先23.1%），优步同比增速更快（20.1% vs 4.5%），过去两年优步的营收复合增速更高（19.1% vs 1.0%）
优步是总部位于美国加利福尼亚州旧金山的跨国出行科技企业，核心业务涵盖网约车、快递、食品配送及货运服务，业务覆盖全球约70个国家和15000座城市，是全球规模最大的共享出行平台，月活用户超1.8亿，活跃司机及配送员超600万。
富国银行是美国头部跨国金融服务机构，位列美国四大银行之一，业务覆盖全球35个国家，为超7000万全球客户提供服务，被金融稳定委员会认定为系统重要性金融机构，具备较高的行业影响力。
UBER vs WFC — 直观对比
营收规模更大
WFC
是对方的1.5倍
$14.4B
营收增速更快
UBER
高出15.6%
4.5%
净利率更高
WFC
高出23.1%
2.1%
两年增速更快
UBER
近两年复合增速
1.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $14.4B | $21.3B |
| 净利润 | $296.0M | $5.4B |
| 毛利率 | — | — |
| 营业利润率 | 12.3% | 30.7% |
| 净利率 | 2.1% | 25.2% |
| 营收同比 | 20.1% | 4.5% |
| 净利润同比 | -95.7% | 5.6% |
| 每股收益（稀释后） | $0.16 | $1.61 |
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UBERWFC
| Q4 25 | $14.4B | $21.3B | ||
| Q3 25 | $13.5B | $21.4B | ||
| Q2 25 | $12.7B | $20.8B | ||
| Q1 25 | $11.5B | $20.1B | ||
| Q4 24 | $12.0B | $20.4B | ||
| Q3 24 | $11.2B | $20.4B | ||
| Q2 24 | $10.7B | $20.7B | ||
| Q1 24 | $10.1B | $20.9B |
净利润UBERWFC
| Q4 25 | $296.0M | $5.4B | ||
| Q3 25 | $6.6B | $5.6B | ||
| Q2 25 | $1.4B | $5.5B | ||
| Q1 25 | $1.8B | $4.9B | ||
| Q4 24 | $6.9B | $5.1B | ||
| Q3 24 | $2.6B | $5.1B | ||
| Q2 24 | $1.0B | $4.9B | ||
| Q1 24 | $-654.0M | $4.6B |
营业利润率UBERWFC
| Q4 25 | 12.3% | 30.7% | ||
| Q3 25 | 8.3% | 32.2% | ||
| Q2 25 | 11.5% | 30.9% | ||
| Q1 25 | 10.6% | 26.4% | ||
| Q4 24 | 6.4% | 26.4% | ||
| Q3 24 | 9.5% | 30.6% | ||
| Q2 24 | 7.4% | 29.8% | ||
| Q1 24 | 1.7% | 26.8% |
净利率UBERWFC
| Q4 25 | 2.1% | 25.2% | ||
| Q3 25 | 49.2% | 26.1% | ||
| Q2 25 | 10.7% | 26.4% | ||
| Q1 25 | 15.4% | 24.3% | ||
| Q4 24 | 57.6% | 24.9% | ||
| Q3 24 | 23.3% | 25.1% | ||
| Q2 24 | 9.5% | 23.7% | ||
| Q1 24 | -6.5% | 22.1% |
每股收益（稀释后）UBERWFC
| Q4 25 | $0.16 | $1.61 | ||
| Q3 25 | $3.11 | $1.66 | ||
| Q2 25 | $0.63 | $1.60 | ||
| Q1 25 | $0.83 | $1.39 | ||
| Q4 24 | $3.21 | $1.42 | ||
| Q3 24 | $1.20 | $1.42 | ||
| Q2 24 | $0.47 | $1.33 | ||
| Q1 24 | $-0.32 | $1.20 |
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 | $7.6B | — |
| 总债务越低越好 | $10.6B | $174.7B |
| 股东权益账面价值 | $27.0B | $181.1B |
| 总资产 | $61.8B | $2148.6B |
| 负债/权益比越低杠杆越低 | 0.39× | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资UBERWFC
| Q4 25 | $7.6B | — | ||
| Q3 25 | $9.1B | — | ||
| Q2 25 | $7.4B | — | ||
| Q1 25 | $6.0B | — | ||
| Q4 24 | $7.0B | — | ||
| Q3 24 | $9.1B | — | ||
| Q2 24 | $6.3B | — | ||
| Q1 24 | $5.8B | — |
总债务UBERWFC
| Q4 25 | $10.6B | $174.7B | ||
| Q3 25 | — | $177.8B | ||
| Q2 25 | — | $176.2B | ||
| Q1 25 | — | $173.7B | ||
| Q4 24 | $9.6B | $173.1B | ||
| Q3 24 | — | $182.0B | ||
| Q2 24 | — | $179.1B | ||
| Q1 24 | — | $187.8B |
股东权益UBERWFC
| Q4 25 | $27.0B | $181.1B | ||
| Q3 25 | $28.1B | $181.2B | ||
| Q2 25 | $22.6B | $181.1B | ||
| Q1 25 | $22.0B | $181.1B | ||
| Q4 24 | $21.6B | $179.1B | ||
| Q3 24 | $14.8B | $183.3B | ||
| Q2 24 | $12.3B | $176.4B | ||
| Q1 24 | $11.1B | $180.9B |
总资产UBERWFC
| Q4 25 | $61.8B | $2148.6B | ||
| Q3 25 | $63.3B | $2062.9B | ||
| Q2 25 | $56.0B | $1981.3B | ||
| Q1 25 | $52.8B | $1950.3B | ||
| Q4 24 | $51.2B | $1929.8B | ||
| Q3 24 | $47.1B | $1922.1B | ||
| Q2 24 | $41.5B | $1940.1B | ||
| Q1 24 | $39.6B | $1959.2B |
负债/权益比UBERWFC
| Q4 25 | 0.39× | 0.96× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 0.97× | ||
| Q1 25 | — | 0.96× | ||
| Q4 24 | 0.44× | 0.97× | ||
| Q3 24 | — | 0.99× | ||
| Q2 24 | — | 1.02× | ||
| Q1 24 | — | 1.04× |
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 | $2.9B | $4.1B |
| 自由现金流经营现金流 - 资本支出 | $2.8B | — |
| 自由现金流率自由现金流/营收 | 19.5% | — |
| 资本支出强度资本支出/营收 | 0.5% | — |
| 现金转化率经营现金流/净利润 | 9.74× | 0.77× |
| 过去12个月自由现金流最近4个季度 | $9.8B | — |
8季度趋势，按日历期对齐
经营现金流UBERWFC
| Q4 25 | $2.9B | $4.1B | ||
| Q3 25 | $2.3B | $-869.0M | ||
| Q2 25 | $2.6B | $-11.2B | ||
| Q1 25 | $2.3B | $-11.0B | ||
| Q4 24 | $1.8B | $8.9B | ||
| Q3 24 | $2.2B | $4.2B | ||
| Q2 24 | $1.8B | $2.0B | ||
| Q1 24 | $1.4B | $-12.1B |
自由现金流UBERWFC
| Q4 25 | $2.8B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $2.5B | — | ||
| Q1 25 | $2.3B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $2.1B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.4B | — |
自由现金流率UBERWFC
| Q4 25 | 19.5% | — | ||
| Q3 25 | 16.6% | — | ||
| Q2 25 | 19.6% | — | ||
| Q1 25 | 19.5% | — | ||
| Q4 24 | 14.3% | — | ||
| Q3 24 | 18.9% | — | ||
| Q2 24 | 16.1% | — | ||
| Q1 24 | 13.4% | — |
资本支出强度UBERWFC
| Q4 25 | 0.5% | — | ||
| Q3 25 | 0.7% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 0.6% | — |
现金转化率UBERWFC
| Q4 25 | 9.74× | 0.77× | ||
| Q3 25 | 0.35× | -0.16× | ||
| Q2 25 | 1.89× | -2.04× | ||
| Q1 25 | 1.31× | -2.26× | ||
| Q4 24 | 0.25× | 1.75× | ||
| Q3 24 | 0.82× | 0.82× | ||
| Q2 24 | 1.79× | 0.42× | ||
| Q1 24 | — | -2.63× |
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
UBER
| Mobility | $8.2B | 57% |
| Delivery | $4.9B | 34% |
| Freight | $1.3B | 9% |
WFC
| Other | $5.2B | 24% |
| Wealth And Investment Management | $3.4B | 16% |
| Investment Advisory Management And Administrative Service | $2.8B | 13% |
| Corporate And Investment Banking | $2.5B | 12% |
| Consumer Banking And Lending | $2.0B | 10% |
| Commercial Portfolio Segment | $1.1B | 5% |
| Commercial Banking | $1.1B | 5% |
| Credit Card Rewards And Rebates | $859.0M | 4% |
| Investment Advice | $716.0M | 3% |
| Deposit Account | $692.0M | 3% |
| Commissions And Brokerage Service Fees | $657.0M | 3% |
| Trailing Commission | $250.0M | 1% |
