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ALKAMI TECHNOLOGY, INC.（ALKT）与BRC Group Holdings, Inc.（RILY）财务数据对比。点击上方公司名可切换其他公司
BRC Group Holdings, Inc.的季度营收约是ALKAMI TECHNOLOGY, INC.的1.5倍（$188.3M vs $126.1M），BRC Group Holdings, Inc.净利率更高（47.9% vs -7.9%，领先55.8%），ALKAMI TECHNOLOGY, INC.同比增速更快（28.9% vs -21.9%），过去两年ALKAMI TECHNOLOGY, INC.的营收复合增速更高（23.9% vs -15.4%）
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。
ALKT vs RILY — 直观对比
营收规模更大
RILY
是对方的1.5倍
$126.1M
营收增速更快
ALKT
高出50.8%
-21.9%
净利率更高
RILY
高出55.8%
-7.9%
两年增速更快
ALKT
近两年复合增速
-15.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $126.1M | $188.3M |
| 净利润 | $-10.0M | $90.3M |
| 毛利率 | 58.6% | 79.5% |
| 营业利润率 | 36.9% | 32.3% |
| 净利率 | -7.9% | 47.9% |
| 营收同比 | 28.9% | -21.9% |
| 净利润同比 | -27.5% | 1710.8% |
| 每股收益（稀释后） | — | $2.78 |
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ALKTRILY
| Q1 26 | $126.1M | — | ||
| Q4 25 | $120.8M | $188.3M | ||
| Q3 25 | $113.0M | $215.3M | ||
| Q2 25 | $112.1M | $188.2M | ||
| Q1 25 | $97.8M | $197.2M | ||
| Q4 24 | $89.7M | $241.0M | ||
| Q3 24 | $85.9M | $225.5M | ||
| Q2 24 | $82.2M | $256.0M |
净利润ALKTRILY
| Q1 26 | $-10.0M | — | ||
| Q4 25 | — | $90.3M | ||
| Q3 25 | $-14.8M | $91.1M | ||
| Q2 25 | $-13.6M | $139.5M | ||
| Q1 25 | — | $-10.0M | ||
| Q4 24 | — | $-5.6M | ||
| Q3 24 | $-9.4M | $-284.4M | ||
| Q2 24 | $-12.3M | $-433.6M |
毛利率ALKTRILY
| Q1 26 | 58.6% | — | ||
| Q4 25 | 57.2% | 79.5% | ||
| Q3 25 | 56.8% | 83.7% | ||
| Q2 25 | 58.6% | 81.3% | ||
| Q1 25 | 59.0% | 81.4% | ||
| Q4 24 | 59.3% | 79.8% | ||
| Q3 24 | 58.9% | 82.1% | ||
| Q2 24 | 59.4% | 84.5% |
营业利润率ALKTRILY
| Q1 26 | 36.9% | — | ||
| Q4 25 | -7.9% | 32.3% | ||
| Q3 25 | -11.4% | 30.4% | ||
| Q2 25 | -14.2% | 5.7% | ||
| Q1 25 | -15.7% | -31.2% | ||
| Q4 24 | -9.6% | -69.2% | ||
| Q3 24 | -12.1% | -36.4% | ||
| Q2 24 | -16.1% | -90.8% |
净利率ALKTRILY
| Q1 26 | -7.9% | — | ||
| Q4 25 | — | 47.9% | ||
| Q3 25 | -13.1% | 42.3% | ||
| Q2 25 | -12.1% | 74.1% | ||
| Q1 25 | — | -5.1% | ||
| Q4 24 | — | -2.3% | ||
| Q3 24 | -11.0% | -126.1% | ||
| Q2 24 | -15.0% | -169.4% |
每股收益（稀释后）ALKTRILY
| Q1 26 | — | — | ||
| Q4 25 | $-0.11 | $2.78 | ||
| Q3 25 | $-0.14 | $2.91 | ||
| Q2 25 | $-0.13 | $4.50 | ||
| Q1 25 | $-0.08 | $-0.39 | ||
| Q4 24 | $-0.07 | $-0.01 | ||
| Q3 24 | $-0.09 | $-9.39 | ||
| Q2 24 | $-0.13 | $-14.35 |
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 | $40.4M | $226.6M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $370.7M | $-171.5M |
| 总资产 | $829.3M | $1.7B |
| 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ALKTRILY
| Q1 26 | $40.4M | — | ||
| Q4 25 | $63.5M | $226.6M | ||
| Q3 25 | $57.3M | $184.2M | ||
| Q2 25 | $52.4M | $267.4M | ||
| Q1 25 | $61.7M | $138.3M | ||
| Q4 24 | $94.4M | $146.9M | ||
| Q3 24 | $81.0M | $159.2M | ||
| Q2 24 | $61.4M | $236.9M |
总债务ALKTRILY
| Q1 26 | — | — | ||
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益ALKTRILY
| Q1 26 | $370.7M | — | ||
| Q4 25 | $362.0M | $-171.5M | ||
| Q3 25 | $350.1M | $-260.5M | ||
| Q2 25 | $344.0M | $-351.7M | ||
| Q1 25 | $334.0M | $-496.8M | ||
| Q4 24 | $357.0M | $-488.2M | ||
| Q3 24 | $338.5M | $-497.6M | ||
| Q2 24 | $327.2M | $-218.3M |
总资产ALKTRILY
| Q1 26 | $829.3M | — | ||
| Q4 25 | $847.2M | $1.7B | ||
| Q3 25 | $835.2M | $1.7B | ||
| Q2 25 | $840.4M | $1.5B | ||
| Q1 25 | $837.2M | $1.5B | ||
| Q4 24 | $437.3M | $1.8B | ||
| Q3 24 | $422.2M | $2.2B | ||
| Q2 24 | $403.9M | $3.2B |
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 | $-4.8M | $26.2M |
| 自由现金流经营现金流 - 资本支出 | $-7.4M | — |
| 自由现金流率自由现金流/营收 | -5.8% | — |
| 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 | — | 0.29× |
| 过去12个月自由现金流最近4个季度 | $40.1M | — |
8季度趋势，按日历期对齐
经营现金流ALKTRILY
| Q1 26 | $-4.8M | — | ||
| Q4 25 | $16.6M | $26.2M | ||
| Q3 25 | $30.8M | $-60.6M | ||
| Q2 25 | $1.2M | $-25.6M | ||
| Q1 25 | $-5.7M | $184.0K | ||
| Q4 24 | $6.1M | $-2.7M | ||
| Q3 24 | $11.0M | $19.5M | ||
| Q2 24 | $548.0K | $111.5M |
自由现金流ALKTRILY
| Q1 26 | $-7.4M | — | ||
| Q4 25 | $16.2M | — | ||
| Q3 25 | $30.5M | — | ||
| Q2 25 | $760.0K | — | ||
| Q1 25 | $-6.1M | — | ||
| Q4 24 | $6.0M | — | ||
| Q3 24 | $10.7M | — | ||
| Q2 24 | $123.0K | — |
自由现金流率ALKTRILY
| Q1 26 | -5.8% | — | ||
| Q4 25 | 13.4% | — | ||
| Q3 25 | 27.0% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | -6.3% | — | ||
| Q4 24 | 6.6% | — | ||
| Q3 24 | 12.4% | — | ||
| Q2 24 | 0.1% | — |
资本支出强度ALKTRILY
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | — | ||
| Q3 25 | 0.2% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 0.5% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.5% | — |
现金转化率ALKTRILY
| Q1 26 | — | — | ||
| Q4 25 | — | 0.29× | ||
| Q3 25 | — | -0.66× | ||
| Q2 25 | — | -0.18× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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
暂无分部数据
RILY
| Transferred At Point In Time | $101.4M | 54% |
| Wealth Management Segment | $30.7M | 16% |
| Corporate Finance Consulting And Investment Banking Fees | $27.1M | 14% |
| Services And Fees | $24.8M | 13% |
| Commissions Fees And Reimbursed Expenses | $4.8M | 3% |
