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ALKAMI TECHNOLOGY, INC.（ALKT）与Intuit（INTU）财务数据对比。点击上方公司名可切换其他公司
Intuit的季度营收约是ALKAMI TECHNOLOGY, INC.的32.2倍（$3.9B vs $120.8M）。ALKAMI TECHNOLOGY, INC.同比增速更快（34.7% vs 18.3%）。Intuit自由现金流更多（$599.0M vs $16.2M）。过去两年ALKAMI TECHNOLOGY, INC.的营收复合增速更高（26.0% vs 7.1%）
Alkami科技是一家面向美国市场的云原生数字银行解决方案提供商，主要为社区银行、信用合作社等金融机构提供在线及移动银行系统、支付处理工具、数据分析模块与客户互动功能，助力合作机构优化终端用户的数字银行使用体验。
Intuit是总部位于美国加利福尼亚州山景城的跨国商业软件企业，专注于财务软件领域，现任首席执行官为萨桑·古达齐。旗下核心产品包括报税软件TurboTax、小微企业会计软件QuickBooks、信用监测及个人理财服务Credit Karma、邮件营销平台Mailchimp，服务覆盖个人及企业财税、营销等多个场景。
ALKT vs INTU — 直观对比
营收规模更大
INTU
是对方的32.2倍
$120.8M
营收增速更快
ALKT
高出16.4%
18.3%
自由现金流更多
INTU
多$582.8M
$16.2M
两年增速更快
ALKT
近两年复合增速
7.1%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $120.8M | $3.9B |
| 净利润 | — | $446.0M |
| 毛利率 | 57.2% | — |
| 营业利润率 | -7.9% | 13.7% |
| 净利率 | — | 11.5% |
| 营收同比 | 34.7% | 18.3% |
| 净利润同比 | — | 126.4% |
| 每股收益（稀释后） | $-0.11 | $1.59 |
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ALKTINTU
| Q4 25 | $120.8M | $3.9B | ||
| Q3 25 | $113.0M | $3.8B | ||
| Q2 25 | $112.1M | $7.8B | ||
| Q1 25 | $97.8M | $4.0B | ||
| Q4 24 | $89.7M | $3.3B | ||
| Q3 24 | $85.9M | $3.2B | ||
| Q2 24 | $82.2M | $6.7B | ||
| Q1 24 | $76.1M | $3.4B |
净利润ALKTINTU
| Q4 25 | — | $446.0M | ||
| Q3 25 | $-14.8M | $381.0M | ||
| Q2 25 | $-13.6M | $2.8B | ||
| Q1 25 | — | $471.0M | ||
| Q4 24 | — | $197.0M | ||
| Q3 24 | $-9.4M | $-20.0M | ||
| Q2 24 | $-12.3M | $2.4B | ||
| Q1 24 | — | $353.0M |
毛利率ALKTINTU
| Q4 25 | 57.2% | — | ||
| Q3 25 | 56.8% | — | ||
| Q2 25 | 58.6% | — | ||
| Q1 25 | 59.0% | — | ||
| Q4 24 | 59.3% | — | ||
| Q3 24 | 58.9% | — | ||
| Q2 24 | 59.4% | — | ||
| Q1 24 | 57.8% | — |
营业利润率ALKTINTU
| Q4 25 | -7.9% | 13.7% | ||
| Q3 25 | -11.4% | 8.8% | ||
| Q2 25 | -14.2% | 48.0% | ||
| Q1 25 | -15.7% | 15.0% | ||
| Q4 24 | -9.6% | 8.3% | ||
| Q3 24 | -12.1% | -4.7% | ||
| Q2 24 | -16.1% | 46.1% | ||
| Q1 24 | -16.2% | 10.9% |
净利率ALKTINTU
| Q4 25 | — | 11.5% | ||
| Q3 25 | -13.1% | 9.9% | ||
| Q2 25 | -12.1% | 36.4% | ||
| Q1 25 | — | 11.9% | ||
| Q4 24 | — | 6.0% | ||
| Q3 24 | -11.0% | -0.6% | ||
| Q2 24 | -15.0% | 35.5% | ||
| Q1 24 | — | 10.4% |
每股收益（稀释后）ALKTINTU
| Q4 25 | $-0.11 | $1.59 | ||
| Q3 25 | $-0.14 | $1.28 | ||
| Q2 25 | $-0.13 | $10.02 | ||
| Q1 25 | $-0.08 | $1.67 | ||
| Q4 24 | $-0.07 | $0.70 | ||
| Q3 24 | $-0.09 | $-0.09 | ||
| Q2 24 | $-0.13 | $8.42 | ||
| Q1 24 | $-0.12 | $1.25 |
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 | $63.5M | $3.5B |
| 总债务越低越好 | — | $6.1B |
| 股东权益账面价值 | $362.0M | $19.3B |
| 总资产 | $847.2M | $33.2B |
| 负债/权益比越低杠杆越低 | — | 0.32× |
8季度趋势，按日历期对齐
现金及短期投资ALKTINTU
| Q4 25 | $63.5M | $3.5B | ||
| Q3 25 | $57.3M | $2.9B | ||
| Q2 25 | $52.4M | $5.4B | ||
| Q1 25 | $61.7M | $2.4B | ||
| Q4 24 | $94.4M | $2.9B | ||
| Q3 24 | $81.0M | $3.6B | ||
| Q2 24 | $61.4M | $4.2B | ||
| Q1 24 | $44.2M | $1.5B |
总债务ALKTINTU
| Q4 25 | — | $6.1B | ||
| Q3 25 | — | $6.0B | ||
| Q2 25 | — | $6.4B | ||
| Q1 25 | — | $6.3B | ||
| Q4 24 | — | $6.1B | ||
| Q3 24 | — | $6.0B | ||
| Q2 24 | — | $6.0B | ||
| Q1 24 | — | $6.0B |
股东权益ALKTINTU
| Q4 25 | $362.0M | $19.3B | ||
| Q3 25 | $350.1M | $19.7B | ||
| Q2 25 | $344.0M | $20.1B | ||
| Q1 25 | $334.0M | $17.9B | ||
| Q4 24 | $357.0M | $18.1B | ||
| Q3 24 | $338.5M | $18.4B | ||
| Q2 24 | $327.2M | $18.8B | ||
| Q1 24 | $322.9M | $16.9B |
总资产ALKTINTU
| Q4 25 | $847.2M | $33.2B | ||
| Q3 25 | $835.2M | $37.0B | ||
| Q2 25 | $840.4M | $36.6B | ||
| Q1 25 | $837.2M | $31.7B | ||
| Q4 24 | $437.3M | $33.2B | ||
| Q3 24 | $422.2M | $32.1B | ||
| Q2 24 | $403.9M | $31.6B | ||
| Q1 24 | $397.6M | $29.7B |
负债/权益比ALKTINTU
| Q4 25 | — | 0.32× | ||
| Q3 25 | — | 0.30× | ||
| Q2 25 | — | 0.32× | ||
| Q1 25 | — | 0.35× | ||
| Q4 24 | — | 0.34× | ||
| Q3 24 | — | 0.33× | ||
| Q2 24 | — | 0.32× | ||
| Q1 24 | — | 0.35× |
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 | $16.6M | $637.0M |
| 自由现金流经营现金流 - 资本支出 | $16.2M | $599.0M |
| 自由现金流率自由现金流/营收 | 13.4% | 15.4% |
| 资本支出强度资本支出/营收 | 0.3% | 1.0% |
| 现金转化率经营现金流/净利润 | — | 1.43× |
| 过去12个月自由现金流最近4个季度 | $41.4M | $6.4B |
8季度趋势，按日历期对齐
经营现金流ALKTINTU
| Q4 25 | $16.6M | $637.0M | ||
| Q3 25 | $30.8M | $381.0M | ||
| Q2 25 | $1.2M | $4.4B | ||
| Q1 25 | $-5.7M | $1.1B | ||
| Q4 24 | $6.1M | $362.0M | ||
| Q3 24 | $11.0M | $417.0M | ||
| Q2 24 | $548.0K | $4.0B | ||
| Q1 24 | $951.0K | $613.0M |
自由现金流ALKTINTU
| Q4 25 | $16.2M | $599.0M | ||
| Q3 25 | $30.5M | $366.0M | ||
| Q2 25 | $760.0K | $4.4B | ||
| Q1 25 | $-6.1M | $1.0B | ||
| Q4 24 | $6.0M | $329.0M | ||
| Q3 24 | $10.7M | $400.0M | ||
| Q2 24 | $123.0K | $3.9B | ||
| Q1 24 | $645.0K | $550.0M |
自由现金流率ALKTINTU
| Q4 25 | 13.4% | 15.4% | ||
| Q3 25 | 27.0% | 9.6% | ||
| Q2 25 | 0.7% | 56.2% | ||
| Q1 25 | -6.3% | 26.2% | ||
| Q4 24 | 6.6% | 10.0% | ||
| Q3 24 | 12.4% | 12.6% | ||
| Q2 24 | 0.1% | 57.7% | ||
| Q1 24 | 0.8% | 16.2% |
资本支出强度ALKTINTU
| Q4 25 | 0.3% | 1.0% | ||
| Q3 25 | 0.2% | 0.4% | ||
| Q2 25 | 0.4% | 0.5% | ||
| Q1 25 | 0.5% | 0.8% | ||
| Q4 24 | 0.2% | 1.0% | ||
| Q3 24 | 0.4% | 0.5% | ||
| Q2 24 | 0.5% | 0.9% | ||
| Q1 24 | 0.4% | 1.9% |
现金转化率ALKTINTU
| Q4 25 | — | 1.43× | ||
| Q3 25 | — | 1.00× | ||
| Q2 25 | — | 1.56× | ||
| Q1 25 | — | 2.27× | ||
| Q4 24 | — | 1.84× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 1.65× | ||
| Q1 24 | — | 1.74× |
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
ALKT
| Saa S Subscription Services | $115.1M | 95% |
| Implementation Services | $3.6M | 3% |
| Service Other | $2.1M | 2% |
INTU
| Quick Books Online Accounting | $1.2B | 32% |
| Product And Other | $779.0M | 20% |
| Credit Karma | $616.0M | 16% |
| Turbo Tax | $581.0M | 15% |
| Quick Books Desktop Accounting | $408.0M | 11% |
| Pro Tax | $290.0M | 7% |
