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C3.ai, Inc.（AI）与HomeTrust Bancshares, Inc.（HTB）财务数据对比。点击上方公司名可切换其他公司
C3.ai, Inc.的季度营收约是HomeTrust Bancshares, Inc.的1.4倍（$75.1M vs $53.6M），HomeTrust Bancshares, Inc.同比增速更快（3.7% vs -20.3%），HomeTrust Bancshares, Inc.自由现金流更多（$45.3M vs $-46.9M），过去两年HomeTrust Bancshares, Inc.的营收复合增速更高（3.5% vs -2.1%）
C3.ai是全球领先的企业级人工智能软件供应商，主要开发销售可扩展的AI应用、平台工具及垂直行业定制解决方案，服务覆盖制造、能源、金融、医疗、公共部门等领域，助力客户优化运营、降本增效、管控风险，实现数据驱动的业务决策。
HomeTrust Bancshares, Inc.是总部位于美国北卡罗来纳州阿什维尔的银行控股公司，总资产达43亿美元，在北卡、南卡、佐治亚和田纳西州共设有33家网点，旗下拥有HomeTrust银行、Tryon联邦银行等七家社区银行。
AI vs HTB — 直观对比
营收规模更大
AI
是对方的1.4倍
$53.6M
营收增速更快
HTB
高出24.0%
-20.3%
自由现金流更多
HTB
多$92.2M
$-46.9M
两年增速更快
HTB
近两年复合增速
-2.1%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $75.1M | $53.6M |
| 净利润 | $-104.7M | — |
| 毛利率 | 40.4% | — |
| 营业利润率 | -149.2% | 37.0% |
| 净利率 | -139.3% | — |
| 营收同比 | -20.3% | 3.7% |
| 净利润同比 | -58.7% | — |
| 每股收益（稀释后） | $-0.75 | $0.93 |
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AIHTB
| Q4 25 | $75.1M | $53.6M | ||
| Q3 25 | $70.3M | $54.1M | ||
| Q2 25 | $108.7M | $54.4M | ||
| Q1 25 | $98.8M | $50.9M | ||
| Q4 24 | $94.3M | $51.7M | ||
| Q3 24 | $87.2M | $50.6M | ||
| Q2 24 | $86.6M | $50.6M | ||
| Q1 24 | $78.4M | $50.0M |
净利润AIHTB
| Q4 25 | $-104.7M | — | ||
| Q3 25 | $-116.8M | $16.5M | ||
| Q2 25 | $-79.7M | $17.2M | ||
| Q1 25 | $-80.2M | $14.5M | ||
| Q4 24 | $-66.0M | — | ||
| Q3 24 | $-62.8M | $13.1M | ||
| Q2 24 | $-72.9M | $12.4M | ||
| Q1 24 | $-72.6M | $15.1M |
毛利率AIHTB
| Q4 25 | 40.4% | — | ||
| Q3 25 | 37.6% | — | ||
| Q2 25 | 62.1% | — | ||
| Q1 25 | 59.1% | — | ||
| Q4 24 | 61.3% | — | ||
| Q3 24 | 59.8% | — | ||
| Q2 24 | 59.6% | — | ||
| Q1 24 | 57.8% | — |
营业利润率AIHTB
| Q4 25 | -149.2% | 37.0% | ||
| Q3 25 | -177.7% | 38.5% | ||
| Q2 25 | -81.8% | 40.1% | ||
| Q1 25 | -88.7% | 36.2% | ||
| Q4 24 | -79.8% | 35.4% | ||
| Q3 24 | -83.2% | 33.2% | ||
| Q2 24 | -95.1% | 31.3% | ||
| Q1 24 | -105.3% | 38.0% |
净利率AIHTB
| Q4 25 | -139.3% | — | ||
| Q3 25 | -166.2% | 30.5% | ||
| Q2 25 | -73.3% | 31.6% | ||
| Q1 25 | -81.2% | 28.5% | ||
| Q4 24 | -69.9% | — | ||
| Q3 24 | -72.0% | 25.9% | ||
| Q2 24 | -84.2% | 24.6% | ||
| Q1 24 | -92.6% | 30.1% |
每股收益（稀释后）AIHTB
| Q4 25 | $-0.75 | $0.93 | ||
| Q3 25 | $-0.86 | $0.95 | ||
| Q2 25 | $-0.60 | $1.00 | ||
| Q1 25 | $-0.62 | $0.84 | ||
| Q4 24 | $-0.52 | $0.83 | ||
| Q3 24 | $-0.50 | $0.76 | ||
| Q2 24 | $-0.59 | $0.73 | ||
| Q1 24 | $-0.60 | $0.88 |
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 | $675.0M | $324.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $771.9M | $600.7M |
| 总资产 | $961.3M | $4.5B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资AIHTB
| Q4 25 | $675.0M | $324.7M | ||
| Q3 25 | $711.9M | $315.8M | ||
| Q2 25 | $742.7M | $297.2M | ||
| Q1 25 | $724.3M | $299.8M | ||
| Q4 24 | $730.4M | $279.2M | ||
| Q3 24 | $762.5M | $293.5M | ||
| Q2 24 | $750.4M | $294.2M | ||
| Q1 24 | $723.3M | $380.5M |
股东权益AIHTB
| Q4 25 | $771.9M | $600.7M | ||
| Q3 25 | $798.8M | $595.8M | ||
| Q2 25 | $838.3M | $579.3M | ||
| Q1 25 | $860.2M | $565.4M | ||
| Q4 24 | $859.0M | $551.8M | ||
| Q3 24 | $874.9M | $540.0M | ||
| Q2 24 | $873.4M | $523.6M | ||
| Q1 24 | $898.0M | $513.2M |
总资产AIHTB
| Q4 25 | $961.3M | $4.5B | ||
| Q3 25 | $968.7M | $4.6B | ||
| Q2 25 | $1.0B | $4.6B | ||
| Q1 25 | $1.1B | $4.6B | ||
| Q4 24 | $1.0B | $4.6B | ||
| Q3 24 | $1.1B | $4.6B | ||
| Q2 24 | $1.0B | $4.7B | ||
| Q1 24 | $1.1B | $4.7B |
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 | $-46.5M | $49.5M |
| 自由现金流经营现金流 - 资本支出 | $-46.9M | $45.3M |
| 自由现金流率自由现金流/营收 | -62.4% | 84.5% |
| 资本支出强度资本支出/营收 | 0.5% | 7.8% |
| 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 | $-93.2M | $93.8M |
8季度趋势，按日历期对齐
经营现金流AIHTB
| Q4 25 | $-46.5M | $49.5M | ||
| Q3 25 | $-33.5M | $-11.3M | ||
| Q2 25 | $11.3M | $-8.8M | ||
| Q1 25 | $-22.0M | $71.7M | ||
| Q4 24 | $-38.7M | $45.4M | ||
| Q3 24 | $8.0M | $43.8M | ||
| Q2 24 | $21.3M | $5.9M | ||
| Q1 24 | $-39.1M | $-9.0M |
自由现金流AIHTB
| Q4 25 | $-46.9M | $45.3M | ||
| Q3 25 | $-34.3M | $-12.0M | ||
| Q2 25 | $10.3M | $-10.2M | ||
| Q1 25 | $-22.4M | $70.7M | ||
| Q4 24 | $-39.5M | $42.4M | ||
| Q3 24 | $7.1M | $43.1M | ||
| Q2 24 | $18.8M | $5.7M | ||
| Q1 24 | $-45.1M | $-9.6M |
自由现金流率AIHTB
| Q4 25 | -62.4% | 84.5% | ||
| Q3 25 | -48.8% | -22.2% | ||
| Q2 25 | 9.5% | -18.7% | ||
| Q1 25 | -22.7% | 138.7% | ||
| Q4 24 | -41.9% | 82.0% | ||
| Q3 24 | 8.2% | 85.1% | ||
| Q2 24 | 21.7% | 11.2% | ||
| Q1 24 | -57.6% | -19.2% |
资本支出强度AIHTB
| Q4 25 | 0.5% | 7.8% | ||
| Q3 25 | 1.1% | 1.4% | ||
| Q2 25 | 0.9% | 2.5% | ||
| Q1 25 | 0.4% | 2.0% | ||
| Q4 24 | 0.9% | 5.9% | ||
| Q3 24 | 1.1% | 1.3% | ||
| Q2 24 | 2.9% | 0.5% | ||
| Q1 24 | 7.8% | 1.1% |
现金转化率AIHTB
| Q4 25 | — | — | ||
| Q3 25 | — | -0.68× | ||
| Q2 25 | — | -0.51× | ||
| Q1 25 | — | 4.93× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.34× | ||
| Q2 24 | — | 0.48× | ||
| Q1 24 | — | -0.60× |
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
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
HTB
暂无分部数据
