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金融股票 — 盈利质量与护城河分析
20 家公司 · 同业对比
银行与保险股不能直接套用通用盈利质量指标（毛利率、OCF/NI）。要看行业专属：NIM轨迹、效率比、CET1资本比、不良贷款率、前年准备金发展。护城河类型包括核心存款特许（区域银行）、监管收费站地位（交易所、评级）与承保纪律记录（保险）。
| 公司 | 评分 | 毛利率 | ROE | CF/NI | FCF | 商誉/资产 |
|---|---|---|---|---|---|---|
| VVISA INC.2025 | B86 | — | 52.9% | 1.15x | $21.6B | 20.0% |
| BRK-BBERKSHIRE HATHAWAY INC2025 | B85 | — | 9.3% | 0.69x | $25.0B | 6.8% |
| AXPAMERICAN EXPRESS CO2025 | B82 | — | 32.4% | 1.70x | $16.0B | 1.6% |
| MSCIMSCI Inc.2025 | B82 | — | -45.3% | 1.32x | $1.5B | 51.3% |
| MAMastercard Incorporated2025 | C79 | — | 193.5% | 1.18x | $17.2B | 17.7% |
| BLKBlackRock, Inc.2025 | C77 | — | 9.9% | 0.71x | $3.6B | 20.8% |
| BACBank of America Corporation2025 | C73 | — | 10.1% | 0.41x | $12.6B | 2.0% |
| JPMJPMorgan Chase & Co2025 | C72 | — | 15.7% | -2.59x | $-147.8B | 1.2% |
| SCHWSCHWAB CHARLES CORP2025 | C72 | — | 17.9% | 1.05x | $8.8B | 2.4% |
| SPGIS&P Global Inc.2025 | C72 | 70.2% | 14.4% | 1.26x | $5.5B | 59.6% |
| USBUS BANCORP \DE\2025 | C71 | — | 11.6% | 1.05x | $8.0B | 1.8% |
| AFLAflac Incorporated2025 | C71 | — | 12.4% | 0.70x | $2.6B | 0.2% |
| MCOMOODY’S CORPORATION2025 | C70 | 74.4% | 60.7% | 1.18x | $2.6B | 40.2% |
| PYPLPayPal2025 | D69 | — | 25.8% | 1.23x | $5.6B | 13.6% |
| CBCHUBB LIMITED2025 | D69 | — | 14.0% | 1.24x | $12.8B | 7.4% |
| TRVThe Travelers Companies, Inc.2025 | D68 | — | 19.1% | 1.69x | $10.6B | 2.8% |
| ICEINTERCONTINENTAL EXCHANGE, INC.2025 | D65 | — | 11.5% | 1.41x | $4.3B | 22.4% |
| PNCPNC FINANCIAL SERVICES GROUP, INC2025 | D63 | — | 10.9% | 0.67x | $4.4B | 1.9% |
| CCitigroup Inc2025 | F57 | — | 6.7% | -4.73x | $-74.2B | 0.7% |
| COINCoinbase2025 | F54 | — | 8.5% | 1.93x | $2.4B | 14.1% |
优秀 中等 较弱GM = 毛利率 · ROE = 净资产收益率 · CF/NI = 经营现金流/净利润 · FCF = 自由现金流 · GW/A = 商誉/总资产