纳维恩特 NAVI
$8.42 −$0.40 (-4.54%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $8.42 0.00%
开盘$8.63
昨收$8.82
当日区间$8.01 – $9.17
成交量1.94M
市值$780.65M
市盈率（TTM）15.9
股息率7.60%
基本面
最新报告季度：Q2, ended Jun 2026
营收$150.00M-3.8% YoY
净利润$25.00M+78.6% YoY
摊薄每股收益$0.26+100.0% YoY
自由现金流$143.00M+13.5% YoY
经营现金流$143.00M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率-8.2%
净资产收益率-2.0%
资产收益率-0.1%
负债/资产比率94.9%
现金及投资$770.00M
总负债$43.91B
净现金（净负债）-$43.14B
自由现金流/营收56.6%
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 营业总收入 | $150.00M | $152.00M | $610.00M | $137.00M | $161.00M |
| 净利息收入 | $122.00M | $131.00M | $519.00M | $119.00M | $142.00M |
| -利息收入 | $682.00M | $695.00M | $3.11B | $747.00M | $781.00M |
| -利息支出 | $560.00M | $564.00M | $2.59B | $628.00M | $639.00M |
| 非利息收入 | $28.00M | $21.00M | $91.00M | $18.00M | $19.00M |
| -手续费及佣金 | $10.00M | $11.00M | $51.00M | $11.00M | $13.00M |
| -其他非利息收入 | $17.00M | $5.00M | $70.00M | $3.00M | $10.00M |
| -资产出售损益 | $1.00M | $5.00M | -$30.00M | $4.00M | -$4.00M |
| 信用损失准备 | -$26.00M | -$27.00M | -$280.00M | -$44.00M | -$168.00M |
| 非利息支出 | $82.00M | $89.00M | $391.00M | $87.00M | $99.00M |
| 销售及管理费用 | $27.00M | $32.00M | $149.00M | $33.00M | $32.00M |
| -管理费用 | $27.00M | $32.00M | $149.00M | $33.00M | $32.00M |
| 其他非利息支出 | $55.00M | $57.00M | $242.00M | $54.00M | $67.00M |
| 其他收入（支出） | -$3.00M | -$4.00M | -$50.00M | -$13.00M | -$11.00M |
| 特殊收益（费用） | -$3.00M | -$4.00M | -$50.00M | -$13.00M | -$11.00M |
| -减：重组及并购费用 | $3.00M | $0.00 | $17.00M | $11.00M | $4.00M |
| -减：资本性资产减值 | $0.00 | $4.00M | $3.00M | $1.00M | $1.00M |
| 税前利润 | $39.00M | $32.00M | -$111.00M | -$7.00M | -$117.00M |
| 税费 | $14.00M | $15.00M | -$31.00M | -$2.00M | -$31.00M |
| 净利润 | $25.00M | $17.00M | -$80.00M | -$5.00M | -$86.00M |
| 持续经营利润 | $25.00M | $17.00M | -$80.00M | -$5.00M | -$86.00M |
| 归属母公司净利润 | $25.00M | $17.00M | -$80.00M | -$5.00M | -$86.00M |
| 归属普通股股东净利润 | $25.00M | $17.00M | -$80.00M | -$5.00M | -$86.00M |
| 基本每股收益 | $0.27 | $0.18 | -$0.81 | -$0.06 | -$0.87 |
| 摊薄每股收益 | $0.26 | $0.17 | -$0.81 | -$0.06 | -$0.87 |
| 每股股息 | $0.16 | $0.16 | $0.64 | $0.16 | $0.16 |
| -减：其他特殊支出 | – | – | $30.00M | $1.00M | $6.00M |
| -Gain on Sale of Business | – | – | $0.00 | $0.00 | $0.00 |
| -债务清偿收益 | – | – | $0.00 | – | – |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $47.30B | $48.00B | $48.68B | $48.68B | $49.31B |
| 现金、现金等价物及联邦基金出售 | $2.14B | $2.13B | $2.10B | $2.10B | $1.87B |
| -现金及现金等价物 | $770.00M | $621.00M | $637.00M | $637.00M | $571.00M |
| -受限现金及投资 | $1.37B | $1.51B | $1.47B | $1.47B | $1.30B |
| 证券投资 | $116.00M | $148.00M | $166.00M | $166.00M | $147.00M |
| -可供出售证券 | $116.00M | $148.00M | $166.00M | $166.00M | $147.00M |
| 衍生资产 | $26.00M | $36.00M | $42.00M | $42.00M | $48.00M |
| 贷款净额 | $42.25B | $42.89B | $43.59B | $43.59B | $44.41B |
| -贷款总额 | $42.68B | $43.37B | $44.13B | $44.13B | $45.00B |
| -贷款及租赁损失准备 | $426.00M | $479.00M | $537.00M | $537.00M | $592.00M |
| 应收款 | $1.79B | $1.77B | $1.82B | $1.82B | $1.82B |
| -应收账款 | $1.65B | $1.63B | $1.67B | $1.67B | $1.67B |
| -其他应收款 | $142.00M | $134.00M | $150.00M | $150.00M | $150.00M |
| 固定资产净值 | $21.00M | $21.00M | $23.00M | $23.00M | $27.00M |
| 商誉及其他无形资产 | $430.00M | $430.00M | $434.00M | $434.00M | $435.00M |
| 其他资产 | $526.00M | $587.00M | $500.00M | $500.00M | $547.00M |
| 负债合计 | $44.90B | $45.63B | $46.28B | $46.28B | $46.87B |
| 联邦基金购入及回购协议下证券出售 | $526.00M | $537.00M | $578.00M | $578.00M | $648.00M |
| 衍生产品负债 | -$96.00M | -$72.00M | -$40.00M | -$40.00M | -$50.00M |
| 短期债务及融资租赁负债 | $4.17B | $4.47B | $4.27B | $4.27B | $4.08B |
| -一年内到期债务 | $4.17B | $4.47B | $4.27B | $4.27B | $4.08B |
| 长期债务及融资租赁负债 | $39.74B | $40.18B | $40.90B | $40.90B | $41.65B |
| -长期债务 | $39.74B | $40.18B | $40.90B | $40.90B | $41.65B |
| 其他负债 | $562.00M | $515.00M | $576.00M | $576.00M | $533.00M |
| 股东权益合计 | $2.40B | $2.38B | $2.40B | $2.40B | $2.44B |
| 股东权益 | $2.40B | $2.38B | $2.40B | $2.40B | $2.44B |
| 股本 | $4.00M | $4.00M | $4.00M | $4.00M | $4.00M |
| -普通股 | $4.00M | $4.00M | $4.00M | $4.00M | $4.00M |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $3.41B | $3.41B | $3.40B | $3.40B | $3.40B |
| 留存收益 | $4.56B | $4.55B | $4.55B | $4.55B | $4.57B |
| 减：库存股 | $5.59B | $5.59B | $5.56B | $5.56B | $5.54B |
| 不影响留存收益的损益 | $14.00M | $5.00M | $2.00M | $2.00M | -$1.00M |
| -商誉 | – | – | $428.00M | $428.00M | – |
| -其他无形资产 | – | – | $6.00M | $6.00M | – |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $143.00M | -$47.00M | $441.00M | $174.00M | $70.00M |
| 持续经营经营活动现金流净额 | $143.00M | -$47.00M | $441.00M | $174.00M | $70.00M |
| 持续经营净利润 | $25.00M | $17.00M | -$80.00M | -$5.00M | -$86.00M |
| 持续经营损益 | -$14.00M | -$14.00M | $124.00M | $15.00M | $16.00M |
| 营运资金变动 | $102.00M | -$84.00M | $93.00M | $114.00M | -$33.00M |
| -应收款变动 | -$18.00M | $38.00M | $76.00M | $0.00 | $4.00M |
| -应付账款及应计费用变动 | $44.00M | -$42.00M | -$3.00M | $38.00M | -$37.00M |
| -其他流动资产变动 | $78.00M | -$51.00M | $58.00M | $71.00M | -$10.00M |
| -其他流动负债变动 | -$2.00M | -$29.00M | -$38.00M | $5.00M | $10.00M |
| 投资活动现金流净额 | $639.00M | $691.00M | $2.71B | $747.00M | $559.00M |
| 持续经营投资活动现金流净额 | $639.00M | $691.00M | $2.71B | $747.00M | $559.00M |
| 业务购买及出售净额 | $0.00 | $0.00 | $25.00M | $0.00 | $0.00 |
| 贷款净收益 | $612.00M | $675.00M | $2.70B | $769.00M | $574.00M |
| 其他投资变动净额 | $27.00M | $16.00M | -$13.00M | -$22.00M | -$15.00M |
| 筹资活动现金流 | -$774.00M | -$617.00M | -$3.15B | -$689.00M | -$834.00M |
| 持续经营筹资活动现金流净额 | -$774.00M | -$617.00M | -$3.15B | -$689.00M | -$834.00M |
| Net Issuance Payments of Debt | -$783.00M | -$584.00M | -$3.07B | -$697.00M | -$801.00M |
| 普通股发行净额 | -$3.00M | -$23.00M | -$111.00M | -$26.00M | -$26.00M |
| 已付现金股利 | -$15.00M | -$15.00M | -$63.00M | -$15.00M | -$16.00M |
| 其他筹资活动净额 | $27.00M | $5.00M | $88.00M | $49.00M | $9.00M |
| 期末现金余额 | $2.14B | $2.13B | $2.10B | $2.10B | $1.87B |
| 现金净变动 | $8.00M | $27.00M | $1.00M | $232.00M | -$205.00M |
| 期初现金余额 | $2.13B | $2.10B | $2.10B | $1.87B | $2.08B |
| 自由现金流 | $143.00M | -$47.00M | $441.00M | $174.00M | $70.00M |
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