股票 › VEL
速度金融 VEL
美股市值排名 #3467
$17.63 +$0.18 (+1.03%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $17.63 0.00%
开盘$17.12
昨收$17.45
当日区间$16.34 – $18.18
成交量184.7K
市值$696.06M
市盈率（TTM）6.4
股息率–
基本面
最新报告季度：Q2, ended Jun 2026
营收$78.88M+1.1% YoY
净利润$25.73M-1.7% YoY
摊薄每股收益$0.64-7.2% YoY
自由现金流$3.35M-55.8% YoY
经营现金流$3.74M
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32.4%
净资产收益率16.1%
资产收益率1.5%
负债/资产比率90.9%
现金及投资$76.12M
总负债$7.05B
净现金（净负债）-$6.98B
自由现金流/营收6.3%
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 营业总收入 | $78.88M | $77.15M | $311.53M | $94.13M | $77.25M |
| 净利息收入 | $50.22M | $45.33M | $191.64M | $53.06M | $50.64M |
| -利息收入 | $162.32M | $154.49M | $556.69M | $153.85M | $145.68M |
| -利息支出 | $112.10M | $109.16M | $365.05M | $100.79M | $95.04M |
| 非利息收入 | $28.65M | $31.83M | $119.89M | $41.07M | $26.61M |
| -手续费及佣金 | -$4.94M | -$1.76M | -$3.89M | -$4.09M | $821,000.00 |
| -其他非利息收入 | $1.73M | $3.73M | $2.13M | $551,000.00 | $565,000.00 |
| -资产出售损益 | $31.86M | $29.85M | $121.66M | $44.61M | $25.23M |
| 信用损失准备 | -$980,000.00 | -$1.66M | -$5.81M | -$1.95M | -$381,000.00 |
| 非利息支出 | $42.66M | $44.61M | $159.48M | $42.13M | $41.50M |
| 专业及外包服务费用 | $2.17M | $5.78M | $6.10M | $1.43M | $893,000.00 |
| 销售及管理费用 | $25.87M | $23.86M | $94.95M | $26.51M | $23.57M |
| -管理费用 | $25.87M | $23.86M | $93.52M | $25.09M | $23.57M |
| 其他非利息支出 | $14.62M | $14.97M | $58.43M | $14.18M | $17.03M |
| 税前利润 | $35.24M | $30.88M | $146.24M | $50.05M | $35.38M |
| 税费 | $9.50M | $8.58M | $41.26M | $15.30M | $9.96M |
| 净利润 | $25.73M | $22.30M | $104.98M | $34.75M | $25.41M |
| 持续经营利润 | $25.73M | $22.30M | $104.98M | $34.75M | $25.41M |
| 少数股东权益 | $571,000.00 | -$64,000.00 | -$71,000.00 | -$44,000.00 | $39,000.00 |
| 归属母公司净利润 | $25.16M | $22.36M | $105.05M | $34.80M | $25.37M |
| 其他优先股股息 | $341,000.00 | $312,000.00 | $1.35M | $477,000.00 | $352,000.00 |
| 归属普通股股东净利润 | $24.82M | $22.05M | $103.71M | $34.32M | $25.02M |
| 基本每股收益 | $0.64 | $0.57 | $2.81 | $0.89 | $0.66 |
| 摊薄每股收益 | $0.64 | $0.57 | $2.75 | $0.89 | $0.65 |
| -销售及营销费用 | – | – | $1.43M | – | – |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $7.96B | $7.59B | $7.38B | $7.38B | $6.96B |
| 现金、现金等价物及联邦基金出售 | $275.13M | $112.05M | $249.24M | $249.24M | $117.81M |
| -现金及现金等价物 | $76.12M | $87.05M | $92.10M | $92.10M | $98.96M |
| -受限现金及投资 | $199.01M | $25.00M | $157.13M | $157.13M | $18.85M |
| 衍生资产 | $118,000.00 | $464,000.00 | $66,000.00 | $66,000.00 | $18,000.00 |
| 贷款净额 | $7.28B | $7.11B | $6.76B | $6.76B | $6.50B |
| -贷款总额 | $7.27B | $7.09B | $6.74B | $6.74B | $6.49B |
| -贷款及租赁损失准备 | $5.10M | $4.86M | $4.52M | $4.52M | $4.59M |
| -未实现收入 | $17.38M | $18.42M | $19.27M | $19.27M | $20.19M |
| 应收款 | $211.30M | $196.30M | $204.05M | $204.05M | $181.07M |
| -应收账款 | $53.11M | $51.26M | $49.68M | $49.68M | $46.55M |
| -其他应收款 | $158.19M | $145.04M | $154.37M | $154.37M | $134.52M |
| 固定资产净值 | $1.29M | $1.32M | $4.24M | $4.24M | $1.48M |
| 商誉及其他无形资产 | $21.08M | $19.42M | $19.74M | $19.74M | $19.37M |
| -商誉 | $6.78M | $6.78M | $6.78M | $6.78M | $6.78M |
| -其他无形资产 | $14.31M | $12.65M | $12.96M | $12.96M | $12.60M |
| 抵债资产 | $142.09M | $131.85M | $118.29M | $118.29M | $113.70M |
| 递延资产 | $19.85M | $18.46M | $23.35M | $23.35M | $16.63M |
| 其他资产 | $8.72M | $6.03M | $1.71M | $1.71M | $7.53M |
| 负债合计 | $7.24B | $6.90B | $6.71B | $6.71B | $6.32B |
| 短期债务及融资租赁负债 | $311.68M | $98.01M | $308.51M | $308.51M | $332.39M |
| -一年内到期债务 | $311.68M | $98.01M | $308.51M | $308.51M | $332.39M |
| 应付款 | $186.02M | $173.08M | $168.31M | $168.31M | $170.58M |
| -应付账款 | $186.02M | $173.08M | $168.31M | $168.31M | $170.58M |
| 长期债务及融资租赁负债 | $6.74B | $6.62B | $6.23B | $6.23B | $5.82B |
| -长期债务 | $6.74B | $6.62B | $6.23B | $6.23B | $5.82B |
| 股东权益合计 | $725.16M | $696.40M | $675.69M | $675.69M | $637.46M |
| 股东权益 | $721.54M | $693.35M | $672.54M | $672.54M | $634.26M |
| 股本 | $405,000.00 | $403,000.00 | $398,000.00 | $398,000.00 | $396,000.00 |
| -普通股 | $405,000.00 | $403,000.00 | $398,000.00 | $398,000.00 | $396,000.00 |
| 资本公积 | $390.98M | $385.25M | $382.56M | $382.56M | $379.40M |
| 留存收益 | $349.91M | $324.74M | $302.38M | $302.38M | $267.58M |
| 减：库存股 | $17.48M | $14.74M | $10.20M | $10.20M | $10.20M |
| 不影响留存收益的损益 | -$2.27M | -$2.31M | -$2.60M | -$2.60M | -$2.92M |
| 少数股东权益 | $3.63M | $3.06M | $3.15M | $3.15M | $3.20M |
| -固定资产原值 | – | – | $12.08M | $12.08M | – |
| -累计折旧 | – | – | -$7.84M | -$7.84M | – |
| 预付资产 | – | – | $2.71M | $2.71M | – |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $3.74M | $12.09M | $18.16M | -$4.49M | $11.45M |
| 持续经营经营活动现金流净额 | $3.74M | $12.09M | $18.16M | -$4.49M | $11.45M |
| 持续经营净利润 | $25.73M | $22.30M | $104.98M | $34.75M | $25.41M |
| 持续经营损益 | -$23.55M | -$969,000.00 | -$140.35M | -$39.93M | -$31.13M |
| 折旧、折耗与摊销 | $337,000.00 | $320,000.00 | $2.02M | $752,000.00 | $323,000.00 |
| 递延税款 | -$1.60M | $4.08M | -$8.13M | -$5.97M | -$4.26M |
| 其他非现金项目 | -$4.05M | $895,000.00 | $2.64M | $5.26M | -$147,000.00 |
| 营运资金变动 | $1.61M | $2.60M | -$1.31M | -$5.04M | $5.28M |
| -应收款变动 | -$5.59M | -$3.09M | -$17.22M | -$3.18M | -$5.89M |
| -应付账款及应计费用变动 | $9.60M | $2.05M | $19.56M | -$214,000.00 | $7.02M |
| -其他流动资产变动 | -$2.40M | $3.63M | -$3.65M | -$1.65M | $4.16M |
| 投资活动现金流净额 | -$199.93M | -$351.37M | -$1.52B | -$250.10M | -$429.07M |
| 持续经营投资活动现金流净额 | -$199.93M | -$351.37M | -$1.52B | -$250.10M | -$429.07M |
| 资本支出 | -$291,000.00 | -$298,000.00 | -$1.29M | -$1.19M | -$80,000.00 |
| 固定资产购置及出售净额 | -$98,000.00 | -$42,000.00 | -$281,000.00 | -$57,000.00 | -$66,000.00 |
| 贷款净收益 | -$223.84M | -$370.34M | -$1.57B | -$269.02M | -$438.29M |
| 其他投资变动净额 | $24.30M | $19.31M | $52.85M | $20.16M | $9.36M |
| 筹资活动现金流 | $329.34M | $202.10M | $1.68B | $386.01M | $438.24M |
| 持续经营筹资活动现金流净额 | $329.34M | $202.10M | $1.68B | $386.01M | $438.24M |
| Net Issuance Payments of Debt | $330.25M | $221.73M | $1.64B | $385.41M | $429.75M |
| 普通股发行净额 | -$96,000.00 | -$4.54M | $33.63M | $1.04M | $8.66M |
| 其他筹资活动净额 | -$809,000.00 | -$15.10M | -$2.06M | -$431,000.00 | -$162,000.00 |
| 期末现金余额 | $245.20M | $112.05M | $249.24M | $249.24M | $117.81M |
| 现金净变动 | $133.15M | -$137.19M | $178.41M | $131.43M | $20.62M |
| 期初现金余额 | $112.05M | $249.24M | $70.83M | $117.81M | $97.19M |
| 自由现金流 | $3.35M | $11.75M | $16.60M | -$5.73M | $11.31M |
| 无形资产购置及出售净额 | – | – | $0.00 | $0.00 | – |
| 股票期权行使所得 | – | – | $10.91M | $0.00 | $0.00 |
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