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Ameris Bancorp（ABCB）与Dayforce（DAY）财务数据对比。点击上方公司名可切换其他公司
Dayforce的季度营收约是Ameris Bancorp的1.5倍（$481.6M vs $314.4M），Ameris Bancorp净利率更高（35.1% vs -40.9%，领先76.0%），Ameris Bancorp同比增速更快（10.0% vs 9.5%），过去两年Dayforce的营收复合增速更高（9.8% vs 2.3%）
Ameris Bancorp是总部位于美国佐治亚州亚特兰大的银行控股企业，旗下子公司Ameris Bank在佐治亚、阿拉巴马、佛罗里达、北卡罗来纳、南卡罗来纳五州运营全服务网点，另在多州设有抵押贷款专属站点，同时面向个人及企业客户提供便捷的线上及移动银行服务。
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
ABCB vs DAY — 直观对比
营收规模更大
DAY
是对方的1.5倍
$314.4M
营收增速更快
ABCB
高出0.5%
9.5%
净利率更高
ABCB
高出76.0%
-40.9%
两年增速更快
DAY
近两年复合增速
2.3%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $481.6M |
| 净利润 | $110.5M | $-196.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.3% |
| 净利率 | 35.1% | -40.9% |
| 营收同比 | 10.0% | 9.5% |
| 净利润同比 | 2.0% | -9940.0% |
| 每股收益（稀释后） | $1.63 | $-1.23 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ABCBDAY
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | — | ||
| Q3 25 | $314.2M | $481.6M | ||
| Q2 25 | $300.7M | $464.7M | ||
| Q1 25 | $285.9M | $481.8M | ||
| Q4 24 | $290.8M | $465.2M | ||
| Q3 24 | $283.8M | $440.0M | ||
| Q2 24 | $300.6M | $423.3M |
净利润ABCBDAY
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | — | ||
| Q3 25 | $106.0M | $-196.8M | ||
| Q2 25 | $109.8M | $21.3M | ||
| Q1 25 | $87.9M | $14.9M | ||
| Q4 24 | $94.4M | $10.8M | ||
| Q3 24 | $99.2M | $2.0M | ||
| Q2 24 | $90.8M | $-1.8M |
毛利率ABCBDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 47.0% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 44.1% |
营业利润率ABCBDAY
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | — | ||
| Q3 25 | 43.6% | 6.3% | ||
| Q2 25 | 47.4% | 9.1% | ||
| Q1 25 | 39.5% | 6.4% | ||
| Q4 24 | 43.3% | 6.1% | ||
| Q3 24 | 44.4% | 4.7% | ||
| Q2 24 | 42.1% | 3.3% |
净利率ABCBDAY
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | — | ||
| Q3 25 | 33.7% | -40.9% | ||
| Q2 25 | 36.5% | 4.6% | ||
| Q1 25 | 30.8% | 3.1% | ||
| Q4 24 | 42.5% | 2.3% | ||
| Q3 24 | 35.0% | 0.5% | ||
| Q2 24 | 30.2% | -0.4% |
每股收益（稀释后）ABCBDAY
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | — | ||
| Q3 25 | $1.54 | $-1.23 | ||
| Q2 25 | $1.60 | $0.13 | ||
| Q1 25 | $1.27 | $0.09 | ||
| Q4 24 | $1.35 | $0.07 | ||
| Q3 24 | $1.44 | $0.01 | ||
| Q2 24 | $1.32 | $-0.01 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $627.6M |
| 总债务越低越好 | — | $631.1M |
| 股东权益账面价值 | $4.1B | $2.7B |
| 总资产 | $28.1B | $8.7B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资ABCBDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $627.6M | ||
| Q2 25 | — | $625.2M | ||
| Q1 25 | — | $557.3M | ||
| Q4 24 | — | $579.7M | ||
| Q3 24 | — | $494.1M | ||
| Q2 24 | — | $465.4M |
总债务ABCBDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $631.1M | ||
| Q2 25 | — | $631.8M | ||
| Q1 25 | — | $632.4M | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.2B |
股东权益ABCBDAY
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | — | ||
| Q3 25 | $4.0B | $2.7B | ||
| Q2 25 | $3.9B | $2.7B | ||
| Q1 25 | $3.8B | $2.6B | ||
| Q4 24 | $3.8B | $2.5B | ||
| Q3 24 | $3.7B | $2.6B | ||
| Q2 24 | $3.6B | $2.5B |
总资产ABCBDAY
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | — | ||
| Q3 25 | $27.1B | $8.7B | ||
| Q2 25 | $26.7B | $8.5B | ||
| Q1 25 | $26.5B | $9.5B | ||
| Q4 24 | $26.3B | $9.1B | ||
| Q3 24 | $26.4B | $8.1B | ||
| Q2 24 | $26.5B | $9.0B |
负债/权益比ABCBDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.47× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 0.49× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $31.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ABCBDAY
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | — | ||
| Q3 25 | $104.9M | $31.2M | ||
| Q2 25 | $61.4M | $112.7M | ||
| Q1 25 | $116.9M | $49.6M | ||
| Q4 24 | $154.2M | $81.0M | ||
| Q3 24 | $102.2M | $91.8M | ||
| Q2 24 | $-97.1M | $99.2M |
自由现金流ABCBDAY
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | — | ||
| Q3 25 | $100.5M | — | ||
| Q2 25 | $53.7M | — | ||
| Q1 25 | $114.2M | — | ||
| Q4 24 | $140.7M | — | ||
| Q3 24 | $99.8M | — | ||
| Q2 24 | $-100.3M | — |
自由现金流率ABCBDAY
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | — | ||
| Q3 25 | 32.0% | — | ||
| Q2 25 | 17.9% | — | ||
| Q1 25 | 39.9% | — | ||
| Q4 24 | 48.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | -33.4% | — |
资本支出强度ABCBDAY
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | — | ||
| Q3 25 | 1.4% | — | ||
| Q2 25 | 2.5% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 4.6% | — | ||
| Q3 24 | 0.8% | — | ||
| Q2 24 | 1.1% | — |
现金转化率ABCBDAY
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | — | ||
| Q3 25 | 0.99× | — | ||
| Q2 25 | 0.56× | 5.29× | ||
| Q1 25 | 1.33× | 3.33× | ||
| Q4 24 | 1.63× | 7.50× | ||
| Q3 24 | 1.03× | 45.90× | ||
| Q2 24 | -1.07× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ABCB
暂无分部数据
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
