开盘$73.61
昨收$74.07
当日区间$73.45 – $75.36
成交量4.90M
市值$22.96B
市盈率（TTM）7.7
股息率1.68%
基本面
最新报告季度：Q3, ended Sep 2026
营收$3.82B-0.1% YoY
净利润$892.00M-17.2% YoY
摊薄每股收益$2.68-6.3% YoY
自由现金流$2.50B-5.3% YoY
经营现金流$2.50B
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21.6%
净资产收益率21.1%
资产收益率2.7%
负债/资产比率86.5%
现金及投资$15.90B
总负债$17.03B
净现金（净负债）-$1.12B
自由现金流/营收63.6%
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $3.82B | $3.72B | $3.70B | $14.98B | $3.79B |
| 净利息收入 | $4.81B | $4.61B | $4.64B | $18.47B | $4.76B |
| -利息收入 | $5.79B | $5.58B | $5.60B | $22.60B | $5.73B |
| -利息支出 | $979.00M | $975.00M | $968.00M | $4.14B | $973.00M |
| 非利息收入 | -$991.00M | -$890.00M | -$937.00M | -$3.49B | -$968.00M |
| -手续费及佣金 | $470.00M | $461.00M | $425.00M | $1.66B | $445.00M |
| -其他非利息收入 | -$1.46B | -$1.35B | -$1.36B | -$5.15B | -$1.41B |
| 信用损失准备 | -$1.27B | -$1.20B | -$1.34B | -$5.23B | -$1.44B |
| 非利息支出 | $1.37B | $1.33B | $1.32B | $5.14B | $1.40B |
| 专业及外包服务费用 | $234.00M | $220.00M | $209.00M | $936.00M | $243.00M |
| 销售及管理费用 | $644.00M | $653.00M | $629.00M | $2.60B | $723.00M |
| -销售及营销费用 | $137.00M | $137.00M | $114.00M | $511.00M | $148.00M |
| -管理费用 | $507.00M | $516.00M | $515.00M | $2.09B | $575.00M |
| 其他非利息支出 | $493.00M | $458.00M | $478.00M | $1.60B | $433.00M |
| 税前利润 | $1.18B | $1.19B | $1.05B | $4.62B | $952.00M |
| 税费 | $289.00M | $301.00M | $242.00M | $1.07B | $201.00M |
| 净利润 | $892.00M | $885.00M | $805.00M | $3.55B | $751.00M |
| 持续经营利润 | $892.00M | $885.00M | $805.00M | $3.55B | $751.00M |
| 归属母公司净利润 | $892.00M | $885.00M | $805.00M | $3.55B | $751.00M |
| 优先股股息 | $28.00M | $21.00M | $21.00M | $83.00M | $21.00M |
| 归属普通股股东净利润 | $864.00M | $864.00M | $784.00M | $3.47B | $730.00M |
| 基本每股收益 | $2.71 | $2.61 | $2.29 | $9.38 | $2.07 |
| 摊薄每股收益 | $2.68 | $2.59 | $2.27 | $9.28 | $2.04 |
| 每股股息 | $0.34 | $0.30 | $0.30 | $1.15 | $0.30 |
| 特殊收益（费用） | – | – | – | $0.00 | – |
| -Gain on Sale of Business | – | – | – | $0.00 | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $122.47B | $121.93B | $121.50B | $119.10B | $119.10B |
| 现金、现金等价物及联邦基金出售 | $16.70B | $17.24B | $20.56B | $14.97B | $14.97B |
| -现金及现金等价物 | $15.90B | $16.19B | $20.56B | $14.97B | $14.97B |
| -受限现金及投资 | $796.00M | $1.05B | – | – | – |
| 证券投资 | $4.36B | $4.37B | $3.04B | $2.35B | $2.35B |
| -可供出售证券 | $1.85B | $1.96B | – | – | – |
| -短期投资 | $2.51B | $2.41B | $3.04B | $2.35B | $2.35B |
| 长期股权投资 | $846.00M | $841.00M | – | – | – |
| 贷款净额 | $93.01B | $91.90B | $89.66B | $93.37B | $93.37B |
| -贷款总额 | $103.35B | $102.21B | $100.09B | $103.81B | $103.81B |
| -贷款及租赁损失准备 | $10.34B | $10.31B | $10.43B | $10.44B | $10.44B |
| 商誉及其他无形资产 | $2.71B | $1.52B | $2.59B | $2.62B | $2.62B |
| -商誉 | $1.36B | $1.36B | $1.36B | $1.36B | $1.36B |
| -其他无形资产 | $1.35B | $152.00M | $1.22B | $1.26B | $1.26B |
| 递延资产 | $2.10B | $2.05B | – | – | – |
| 其他资产 | $2.75B | $2.81B | $5.66B | $5.79B | $5.79B |
| 负债合计 | $105.92B | $105.03B | $105.02B | $102.33B | $102.33B |
| 存款合计 | $82.95B | $82.81B | $82.89B | $81.14B | $81.14B |
| 长期债务及融资租赁负债 | $17.03B | $16.43B | $16.43B | $15.18B | $15.18B |
| -长期债务 | $17.03B | $16.43B | $16.43B | $15.18B | $15.18B |
| 其他负债 | $5.94B | $5.80B | $5.70B | $6.00B | $6.00B |
| 股东权益合计 | $16.55B | $16.90B | $16.48B | $16.77B | $16.77B |
| 股东权益 | $16.55B | $16.90B | $16.48B | $16.77B | $16.77B |
| 股本 | $1.72B | $1.72B | $1.22B | $1.22B | $1.22B |
| -普通股 | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M |
| -优先股 | $1.72B | $1.72B | $1.22B | $1.22B | $1.22B |
| 资本公积 | $9.91B | $9.88B | $9.84B | $9.90B | $9.90B |
| 留存收益 | $26.72B | $25.97B | $25.21B | $24.60B | $24.60B |
| 减：库存股 | $21.70B | $20.59B | $19.74B | $18.91B | $18.91B |
| 不影响留存收益的损益 | -$98.00M | -$71.00M | -$56.00M | -$48.00M | -$48.00M |
| 固定资产净值 | – | $1.22B | – | – | – |
现金流量表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 经营活动现金流 | $2.50B | $2.42B | $2.18B | $9.85B | $2.45B |
| 持续经营经营活动现金流净额 | $2.50B | $2.42B | $2.18B | $9.85B | $2.45B |
| 持续经营净利润 | $892.00M | $885.00M | $805.00M | $3.55B | $751.00M |
| 折旧、折耗与摊销 | $150.00M | $145.00M | $143.00M | $514.00M | $139.00M |
| 递延税款 | -$44.00M | $6.00M | $28.00M | $184.00M | $13.00M |
| 其他非现金项目 | $229.00M | $172.00M | $206.00M | $537.00M | $179.00M |
| 营运资金变动 | $5.00M | $11.00M | -$334.00M | -$161.00M | -$70.00M |
| -应收款变动 | -$240.00M | -$114.00M | -$124.00M | -$598.00M | -$327.00M |
| -应付账款及应计费用变动 | $132.00M | $190.00M | -$312.00M | $314.00M | $248.00M |
| -其他流动资产变动 | $113.00M | -$65.00M | $102.00M | $123.00M | $9.00M |
| 投资活动现金流净额 | -$2.54B | -$5.19B | $1.52B | -$4.85B | -$4.64B |
| 持续经营投资活动现金流净额 | -$2.54B | -$5.19B | $1.52B | -$4.85B | -$4.64B |
| 投资购置及出售净额 | $4.00M | -$1.34B | -$690.00M | $765.00M | $371.00M |
| 贷款净收益 | -$2.32B | -$3.60B | $2.36B | -$4.61B | -$4.79B |
| 其他投资变动净额 | -$222.00M | -$244.00M | -$144.00M | -$852.00M | -$63.00M |
| 筹资活动现金流 | -$506.00M | -$596.00M | $1.88B | -$4.74B | $918.00M |
| 持续经营筹资活动现金流净额 | -$506.00M | -$596.00M | $1.88B | -$4.74B | $918.00M |
| 存款增减 | $143.00M | -$89.00M | $1.75B | -$926.00M | $1.26B |
| Net Issuance Payments of Debt | $589.00M | $0.00 | $1.24B | -$295.00M | $747.00M |
| 普通股发行净额 | -$1.10B | -$878.00M | -$900.00M | -$2.94B | -$962.00M |
| 优先股发行净额 | $0.00 | – | – | $0.00 | $0.00 |
| 已付现金股利 | -$138.00M | -$121.00M | -$125.00M | -$510.00M | -$127.00M |
| 其他筹资活动净额 | $0.00 | -$2.00M | -$87.00M | -$63.00M | $4.00M |
| 期末现金余额 | $16.70B | $17.24B | $20.60B | $15.02B | $15.02B |
| 现金净变动 | -$543.00M | -$3.36B | $5.59B | $262.00M | -$1.27B |
| 期初现金余额 | $17.24B | $20.60B | $15.02B | $14.76B | $16.29B |
| 自由现金流 | $2.50B | $2.42B | $2.18B | $9.85B | $2.45B |
| 业务购买及出售净额 | – | – | – | -$161.00M | -$161.00M |
暂无评论——快来第一个聊聊 SYF。
登录后参与讨论。