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C3.ai, Inc.（AI）与REPUBLIC BANCORP INC（RBCAA）财务数据对比。点击上方公司名可切换其他公司
REPUBLIC BANCORP INC的季度营收约是C3.ai, Inc.的1.3倍（$94.3M vs $75.1M），REPUBLIC BANCORP INC净利率更高（24.2% vs -139.3%，领先163.5%），REPUBLIC BANCORP INC同比增速更快（5.3% vs -20.3%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $-46.9M），过去两年C3.ai, Inc.的营收复合增速更高（-2.1% vs -11.5%）
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。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
AI vs RBCAA — 直观对比
营收规模更大
RBCAA
是对方的1.3倍
$75.1M
营收增速更快
RBCAA
高出25.7%
-20.3%
净利率更高
RBCAA
高出163.5%
-139.3%
自由现金流更多
RBCAA
多$208.0M
$-46.9M
两年增速更快
AI
近两年复合增速
-11.5%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $75.1M | $94.3M |
| 净利润 | $-104.7M | $22.8M |
| 毛利率 | 40.4% | — |
| 营业利润率 | -149.2% | 29.3% |
| 净利率 | -139.3% | 24.2% |
| 营收同比 | -20.3% | 5.3% |
| 净利润同比 | -58.7% | 20.0% |
| 每股收益（稀释后） | $-0.75 | — |
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AIRBCAA
| Q4 25 | $75.1M | $94.3M | ||
| Q3 25 | $70.3M | $93.5M | ||
| Q2 25 | $108.7M | $93.8M | ||
| Q1 25 | $98.8M | $135.8M | ||
| Q4 24 | $94.3M | $89.5M | ||
| Q3 24 | $87.2M | $88.1M | ||
| Q2 24 | $86.6M | $86.9M | ||
| Q1 24 | $78.4M | $120.3M |
净利润AIRBCAA
| Q4 25 | $-104.7M | $22.8M | ||
| Q3 25 | $-116.8M | $29.7M | ||
| Q2 25 | $-79.7M | $31.5M | ||
| Q1 25 | $-80.2M | $47.3M | ||
| Q4 24 | $-66.0M | $19.0M | ||
| Q3 24 | $-62.8M | $26.5M | ||
| Q2 24 | $-72.9M | $25.2M | ||
| Q1 24 | $-72.6M | $30.6M |
毛利率AIRBCAA
| 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AIRBCAA
| Q4 25 | -149.2% | 29.3% | ||
| Q3 25 | -177.7% | 40.4% | ||
| Q2 25 | -81.8% | 43.0% | ||
| Q1 25 | -88.7% | 44.1% | ||
| Q4 24 | -79.8% | 25.8% | ||
| Q3 24 | -83.2% | 38.4% | ||
| Q2 24 | -95.1% | 37.0% | ||
| Q1 24 | -105.3% | 32.2% |
净利率AIRBCAA
| Q4 25 | -139.3% | 24.2% | ||
| Q3 25 | -166.2% | 31.8% | ||
| Q2 25 | -73.3% | 33.5% | ||
| Q1 25 | -81.2% | 34.8% | ||
| Q4 24 | -69.9% | 21.2% | ||
| Q3 24 | -72.0% | 30.1% | ||
| Q2 24 | -84.2% | 29.0% | ||
| Q1 24 | -92.6% | 25.4% |
每股收益（稀释后）AIRBCAA
| Q4 25 | $-0.75 | — | ||
| Q3 25 | $-0.86 | — | ||
| Q2 25 | $-0.60 | — | ||
| Q1 25 | $-0.62 | — | ||
| Q4 24 | $-0.52 | — | ||
| Q3 24 | $-0.50 | — | ||
| Q2 24 | $-0.59 | — | ||
| Q1 24 | $-0.60 | — |
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 | $220.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $771.9M | $1.1B |
| 总资产 | $961.3M | $7.0B |
| 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AIRBCAA
| Q4 25 | $675.0M | $220.0M | ||
| Q3 25 | $711.9M | $484.2M | ||
| Q2 25 | $742.7M | $484.8M | ||
| Q1 25 | $724.3M | $793.0M | ||
| Q4 24 | $730.4M | $432.2M | ||
| Q3 24 | $762.5M | $530.9M | ||
| Q2 24 | $750.4M | $400.1M | ||
| Q1 24 | $723.3M | $546.4M |
股东权益AIRBCAA
| Q4 25 | $771.9M | $1.1B | ||
| Q3 25 | $798.8M | $1.1B | ||
| Q2 25 | $838.3M | $1.1B | ||
| Q1 25 | $860.2M | $1.0B | ||
| Q4 24 | $859.0M | $992.0M | ||
| Q3 24 | $874.9M | $979.7M | ||
| Q2 24 | $873.4M | $955.4M | ||
| Q1 24 | $898.0M | $935.6M |
总资产AIRBCAA
| Q4 25 | $961.3M | $7.0B | ||
| Q3 25 | $968.7M | $7.0B | ||
| Q2 25 | $1.0B | $7.0B | ||
| Q1 25 | $1.1B | $7.1B | ||
| Q4 24 | $1.0B | $6.8B | ||
| Q3 24 | $1.1B | $6.7B | ||
| Q2 24 | $1.0B | $6.6B | ||
| Q1 24 | $1.1B | $6.9B |
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 | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $-46.9M | $161.1M |
| 自由现金流率自由现金流/营收 | -62.4% | 170.9% |
| 资本支出强度资本支出/营收 | 0.5% | 7.5% |
| 现金转化率经营现金流/净利润 | — | 7.37× |
| 过去12个月自由现金流最近4个季度 | $-93.2M | $288.6M |
8季度趋势，按日历期对齐
经营现金流AIRBCAA
| Q4 25 | $-46.5M | $168.2M | ||
| Q3 25 | $-33.5M | $33.3M | ||
| Q2 25 | $11.3M | $8.4M | ||
| Q1 25 | $-22.0M | $93.2M | ||
| Q4 24 | $-38.7M | $149.0M | ||
| Q3 24 | $8.0M | $51.3M | ||
| Q2 24 | $21.3M | $4.0M | ||
| Q1 24 | $-39.1M | $71.2M |
自由现金流AIRBCAA
| Q4 25 | $-46.9M | $161.1M | ||
| Q3 25 | $-34.3M | $30.8M | ||
| Q2 25 | $10.3M | $5.2M | ||
| Q1 25 | $-22.4M | $91.6M | ||
| Q4 24 | $-39.5M | $143.2M | ||
| Q3 24 | $7.1M | $49.8M | ||
| Q2 24 | $18.8M | $2.7M | ||
| Q1 24 | $-45.1M | $69.1M |
自由现金流率AIRBCAA
| Q4 25 | -62.4% | 170.9% | ||
| Q3 25 | -48.8% | 32.9% | ||
| Q2 25 | 9.5% | 5.5% | ||
| Q1 25 | -22.7% | 67.4% | ||
| Q4 24 | -41.9% | 160.0% | ||
| Q3 24 | 8.2% | 56.5% | ||
| Q2 24 | 21.7% | 3.1% | ||
| Q1 24 | -57.6% | 57.5% |
资本支出强度AIRBCAA
| Q4 25 | 0.5% | 7.5% | ||
| Q3 25 | 1.1% | 2.6% | ||
| Q2 25 | 0.9% | 3.5% | ||
| Q1 25 | 0.4% | 1.2% | ||
| Q4 24 | 0.9% | 6.5% | ||
| Q3 24 | 1.1% | 1.7% | ||
| Q2 24 | 2.9% | 1.5% | ||
| Q1 24 | 7.8% | 1.7% |
现金转化率AIRBCAA
| Q4 25 | — | 7.37× | ||
| Q3 25 | — | 1.12× | ||
| Q2 25 | — | 0.27× | ||
| Q1 25 | — | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | — | 1.93× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 2.33× |
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% |
RBCAA
暂无分部数据
