大众金融公司 OMF
$56.09 −$0.74 (-1.30%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $56.32 +0.41%
开盘$56.24
昨收$56.83
当日区间$55.99 – $57.05
成交量947.1K
市值$6.42B
市盈率（TTM）8.5
股息率7.49%
基本面
最新报告季度：Q3, ended Sep 2026
营收$1.36B+6.6% YoY
净利润$185.00M-7.0% YoY
摊薄每股收益$1.60-4.2% YoY
自由现金流$800.00M+3.4% YoY
经营现金流$800.00M
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15.2%
净资产收益率23.3%
资产收益率2.9%
负债/资产比率88.2%
现金及投资$668.00M
总负债$24.07B
净现金（净负债）-$23.41B
自由现金流/营收63.1%
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $1.36B | $1.30B | $1.27B | $4.97B | $1.29B |
| 净利息收入 | $1.15B | $1.09B | $1.07B | $4.18B | $1.09B |
| -利息收入 | $1.49B | $1.42B | $1.39B | $5.46B | $1.42B |
| -利息支出 | $345.00M | $326.00M | $322.00M | $1.27B | $323.00M |
| 非利息收入 | $212.00M | $208.00M | $200.00M | $787.00M | $196.00M |
| -已赚保费合计 | $113.00M | $112.00M | $112.00M | $445.00M | $113.00M |
| -其他非利息收入 | $59.00M | $55.00M | $49.00M | $180.00M | $47.00M |
| -资产出售损益 | $40.00M | $41.00M | $39.00M | $162.00M | $36.00M |
| 信用损失准备 | -$615.00M | -$610.00M | -$465.00M | -$2.00B | -$543.00M |
| 非利息支出 | $510.00M | $492.00M | $501.00M | $1.91B | $495.00M |
| 销售及管理费用 | $53.00M | $287.00M | $292.00M | $1.12B | $288.00M |
| -管理费用 | $53.00M | $287.00M | $292.00M | $1.12B | $288.00M |
| 其他非利息支出 | $457.00M | $205.00M | $209.00M | $784.00M | $207.00M |
| 特殊收益（费用） | $0.00 | -$1.00M | -$3.00M | -$67.00M | -$2.00M |
| -债务清偿收益 | $0.00 | $1.00M | $3.00M | $67.00M | $2.00M |
| 税前利润 | $233.00M | $196.00M | $296.00M | $1.00B | $249.00M |
| 税费 | $48.00M | $44.00M | $70.00M | $218.00M | $45.00M |
| 净利润 | $185.00M | $152.00M | $226.00M | $783.00M | $204.00M |
| 持续经营利润 | $185.00M | $152.00M | $226.00M | $783.00M | $204.00M |
| 归属母公司净利润 | $185.00M | $152.00M | $226.00M | $783.00M | $204.00M |
| 归属普通股股东净利润 | $185.00M | $152.00M | $226.00M | $783.00M | $204.00M |
| 基本每股收益 | $1.61 | $1.32 | $1.93 | $6.59 | $1.74 |
| 摊薄每股收益 | $1.60 | $1.32 | $1.93 | $6.56 | $1.72 |
| 每股股息 | $1.05 | $1.05 | $1.05 | $4.17 | $1.05 |
| 其他收入（支出） | – | -$1.00M | -$3.00M | -$67.00M | -$2.00M |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $28.72B | $27.42B | $27.02B | $27.39B | $27.39B |
| 现金、现金等价物及联邦基金出售 | $1.69B | $1.31B | $1.56B | $1.61B | $1.61B |
| -现金及现金等价物 | $668.00M | $396.00M | $679.00M | $738.00M | $738.00M |
| -受限现金及投资 | $1.02B | $909.00M | $883.00M | $875.00M | $875.00M |
| 证券投资 | $1.55B | $1.65B | $1.61B | $1.59B | $1.59B |
| -可供出售证券 | $1.55B | $1.17B | $1.18B | $1.17B | $1.17B |
| 贷款净额 | $23.20B | $22.22B | $21.63B | $21.97B | $21.97B |
| -贷款总额 | $26.27B | $25.45B | $24.74B | $25.13B | $25.13B |
| -贷款及租赁损失准备 | $3.07B | $2.92B | $2.82B | $2.87B | $2.87B |
| 商誉及其他无形资产 | $1.75B | $1.75B | $1.76B | $1.76B | $1.76B |
| -商誉 | $1.47B | $1.47B | $1.47B | $1.47B | $1.47B |
| -其他无形资产 | $278.00M | $279.00M | $281.00M | $282.00M | $282.00M |
| 其他资产 | $524.00M | $495.00M | $459.00M | $461.00M | $461.00M |
| 负债合计 | $25.33B | $24.04B | $23.64B | $23.99B | $23.99B |
| 长期债务及融资租赁负债 | $24.07B | $22.77B | $22.40B | $22.69B | $22.69B |
| -长期债务 | $24.07B | $22.77B | $22.40B | $22.69B | $22.69B |
| 一年以上递延负债 | $18.00M | $16.00M | $55.00M | $35.00M | $35.00M |
| 其他负债 | $1.23B | $1.26B | $1.19B | $1.26B | $1.26B |
| 股东权益合计 | $3.39B | $3.38B | $3.38B | $3.40B | $3.40B |
| 股东权益 | $3.39B | $3.38B | $3.38B | $3.40B | $3.40B |
| 股本 | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M |
| -普通股 | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M |
| 资本公积 | $1.77B | $1.76B | $1.75B | $1.76B | $1.76B |
| 留存收益 | $2.77B | $2.71B | $2.68B | $2.58B | $2.58B |
| 减：库存股 | $1.07B | $1.03B | $1.00B | $895.00M | $895.00M |
| 不影响留存收益的损益 | -$86.00M | -$54.00M | -$53.00M | -$41.00M | -$41.00M |
| -短期投资 | – | $480.00M | $431.00M | $421.00M | $421.00M |
| -未实现收入 | – | -$300.00M | -$293.00M | -$300.00M | -$300.00M |
| 短期债务及融资租赁负债 | – | $1.00M | $1.00M | $1.00M | $1.00M |
| -一年内到期债务 | – | $1.00M | $1.00M | $1.00M | $1.00M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $800.00M | $739.00M | $3.13B | $865.00M | $828.00M |
| 持续经营经营活动现金流净额 | $800.00M | $739.00M | $3.13B | $865.00M | $828.00M |
| 持续经营净利润 | $152.00M | $226.00M | $783.00M | $204.00M | $199.00M |
| 持续经营损益 | -$15.00M | -$13.00M | $3.00M | -$12.00M | $22.00M |
| 折旧、折耗与摊销 | $76.00M | $74.00M | $287.00M | $73.00M | $72.00M |
| 递延税款 | -$22.00M | $29.00M | $43.00M | $33.00M | $15.00M |
| 其他非现金项目 | -$3.00M | -$3.00M | -$4.00M | -$1.00M | -$2.00M |
| 营运资金变动 | -$6.00M | -$50.00M | -$13.00M | $17.00M | $28.00M |
| 投资活动现金流净额 | -$1.26B | -$227.00M | -$3.16B | -$807.00M | -$1.01B |
| 持续经营投资活动现金流净额 | -$1.26B | -$227.00M | -$3.16B | -$807.00M | -$1.01B |
| 投资购置及出售净额 | -$29.00M | -$40.00M | $85.00M | $77.00M | $34.00M |
| 贷款净收益 | -$1.21B | -$164.00M | -$3.15B | -$854.00M | -$1.02B |
| 其他投资变动净额 | -$21.00M | -$23.00M | -$97.00M | -$30.00M | -$22.00M |
| 筹资活动现金流 | $205.00M | -$563.00M | $500.00M | $149.00M | $77.00M |
| 持续经营筹资活动现金流净额 | $205.00M | -$563.00M | $500.00M | $149.00M | $77.00M |
| Net Issuance Payments of Debt | $359.00M | -$311.00M | $1.15B | $342.00M | $236.00M |
| 普通股发行净额 | -$31.00M | -$106.00M | -$136.00M | -$69.00M | -$32.00M |
| 已付现金股利 | -$122.00M | -$128.00M | -$499.00M | -$123.00M | -$125.00M |
| 其他筹资活动净额 | -$1.00M | -$18.00M | -$13.00M | -$1.00M | -$2.00M |
| 期末现金余额 | $1.31B | $1.56B | $1.61B | $1.61B | $1.41B |
| 现金净变动 | -$257.00M | -$51.00M | $471.00M | $207.00M | -$105.00M |
| 期初现金余额 | $1.56B | $1.61B | $1.14B | $1.41B | $1.51B |
| 自由现金流 | $800.00M | $739.00M | $3.13B | $865.00M | $828.00M |
| 业务购买及出售净额 | – | – | $0.00 | $0.00 | – |
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