vs
ALKAMI TECHNOLOGY, INC.（ALKT）与Tyler Technologies（TYL）财务数据对比。点击上方公司名可切换其他公司
Tyler Technologies的季度营收约是ALKAMI TECHNOLOGY, INC.的4.8倍（$575.2M vs $120.8M）。ALKAMI TECHNOLOGY, INC.同比增速更快（34.7% vs 6.3%）。Tyler Technologies自由现金流更多（$239.6M vs $16.2M）。过去两年ALKAMI TECHNOLOGY, INC.的营收复合增速更高（26.0% vs 6.0%）
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。
Tyler Technologies, Inc.是总部位于美国得克萨斯州普莱诺的科技企业，主营面向美国公共部门提供自研专有软件，目前在全美17个州设有办事处，另在加拿大安大略省多伦多市设有一处办公网点。
ALKT vs TYL — 直观对比
营收规模更大
TYL
是对方的4.8倍
$120.8M
营收增速更快
ALKT
高出28.4%
6.3%
自由现金流更多
TYL
多$223.3M
$16.2M
两年增速更快
ALKT
近两年复合增速
6.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $120.8M | $575.2M |
| 净利润 | — | $65.5M |
| 毛利率 | 57.2% | 45.5% |
| 营业利润率 | -7.9% | 13.0% |
| 净利率 | — | 11.4% |
| 营收同比 | 34.7% | 6.3% |
| 净利润同比 | — | 0.5% |
| 每股收益（稀释后） | $-0.11 | $1.50 |
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ALKTTYL
| Q4 25 | $120.8M | $575.2M | ||
| Q3 25 | $113.0M | $595.9M | ||
| Q2 25 | $112.1M | $596.1M | ||
| Q1 25 | $97.8M | $565.2M | ||
| Q4 24 | $89.7M | $541.1M | ||
| Q3 24 | $85.9M | $543.3M | ||
| Q2 24 | $82.2M | $541.0M | ||
| Q1 24 | $76.1M | $512.4M |
净利润ALKTTYL
| Q4 25 | — | $65.5M | ||
| Q3 25 | $-14.8M | $84.4M | ||
| Q2 25 | $-13.6M | $84.6M | ||
| Q1 25 | — | $81.1M | ||
| Q4 24 | — | $65.2M | ||
| Q3 24 | $-9.4M | $75.9M | ||
| Q2 24 | $-12.3M | $67.7M | ||
| Q1 24 | — | $54.2M |
毛利率ALKTTYL
| Q4 25 | 57.2% | 45.5% | ||
| Q3 25 | 56.8% | 47.2% | ||
| Q2 25 | 58.6% | 45.8% | ||
| Q1 25 | 59.0% | 47.3% | ||
| Q4 24 | 59.3% | 43.8% | ||
| Q3 24 | 58.9% | 43.7% | ||
| Q2 24 | 59.4% | 44.0% | ||
| Q1 24 | 57.8% | 43.7% |
营业利润率ALKTTYL
| Q4 25 | -7.9% | 13.0% | ||
| Q3 25 | -11.4% | 16.4% | ||
| Q2 25 | -14.2% | 16.0% | ||
| Q1 25 | -15.7% | 15.8% | ||
| Q4 24 | -9.6% | 13.2% | ||
| Q3 24 | -12.1% | 15.2% | ||
| Q2 24 | -16.1% | 14.4% | ||
| Q1 24 | -16.2% | 13.1% |
净利率ALKTTYL
| Q4 25 | — | 11.4% | ||
| Q3 25 | -13.1% | 14.2% | ||
| Q2 25 | -12.1% | 14.2% | ||
| Q1 25 | — | 14.3% | ||
| Q4 24 | — | 12.1% | ||
| Q3 24 | -11.0% | 14.0% | ||
| Q2 24 | -15.0% | 12.5% | ||
| Q1 24 | — | 10.6% |
每股收益（稀释后）ALKTTYL
| Q4 25 | $-0.11 | $1.50 | ||
| Q3 25 | $-0.14 | $1.93 | ||
| Q2 25 | $-0.13 | $1.93 | ||
| Q1 25 | $-0.08 | $1.84 | ||
| Q4 24 | $-0.07 | $1.48 | ||
| Q3 24 | $-0.09 | $1.74 | ||
| Q2 24 | $-0.13 | $1.57 | ||
| Q1 24 | $-0.12 | $1.26 |
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 | $1.1B |
| 总债务越低越好 | — | $599.7M |
| 股东权益账面价值 | $362.0M | $3.7B |
| 总资产 | $847.2M | $5.6B |
| 负债/权益比越低杠杆越低 | — | 0.16× |
8季度趋势，按日历期对齐
现金及短期投资ALKTTYL
| Q4 25 | $63.5M | $1.1B | ||
| Q3 25 | $57.3M | $950.8M | ||
| Q2 25 | $52.4M | $892.3M | ||
| Q1 25 | $61.7M | $807.4M | ||
| Q4 24 | $94.4M | $768.0M | ||
| Q3 24 | $81.0M | $544.3M | ||
| Q2 24 | $61.4M | $258.0M | ||
| Q1 24 | $44.2M | $196.9M |
总债务ALKTTYL
| Q4 25 | — | $599.7M | ||
| Q3 25 | — | $599.2M | ||
| Q2 25 | — | $598.8M | ||
| Q1 25 | — | $598.4M | ||
| Q4 24 | — | $597.9M | ||
| Q3 24 | — | $597.5M | ||
| Q2 24 | — | $597.1M | ||
| Q1 24 | — | $596.6M |
股东权益ALKTTYL
| Q4 25 | $362.0M | $3.7B | ||
| Q3 25 | $350.1M | $3.6B | ||
| Q2 25 | $344.0M | $3.6B | ||
| Q1 25 | $334.0M | $3.5B | ||
| Q4 24 | $357.0M | $3.4B | ||
| Q3 24 | $338.5M | $3.3B | ||
| Q2 24 | $327.2M | $3.1B | ||
| Q1 24 | $322.9M | $3.0B |
总资产ALKTTYL
| Q4 25 | $847.2M | $5.6B | ||
| Q3 25 | $835.2M | $5.5B | ||
| Q2 25 | $840.4M | $5.4B | ||
| Q1 25 | $837.2M | $5.2B | ||
| Q4 24 | $437.3M | $5.2B | ||
| Q3 24 | $422.2M | $5.0B | ||
| Q2 24 | $403.9M | $4.8B | ||
| Q1 24 | $397.6M | $4.6B |
负债/权益比ALKTTYL
| Q4 25 | — | 0.16× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.16× | ||
| Q1 25 | — | 0.17× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.19× | ||
| Q1 24 | — | 0.20× |
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 | $243.9M |
| 自由现金流经营现金流 - 资本支出 | $16.2M | $239.6M |
| 自由现金流率自由现金流/营收 | 13.4% | 41.7% |
| 资本支出强度资本支出/营收 | 0.3% | 0.8% |
| 现金转化率经营现金流/净利润 | — | 3.72× |
| 过去12个月自由现金流最近4个季度 | $41.4M | $637.5M |
8季度趋势，按日历期对齐
经营现金流ALKTTYL
| Q4 25 | $16.6M | $243.9M | ||
| Q3 25 | $30.8M | $255.2M | ||
| Q2 25 | $1.2M | $98.3M | ||
| Q1 25 | $-5.7M | $56.2M | ||
| Q4 24 | $6.1M | $224.8M | ||
| Q3 24 | $11.0M | $263.7M | ||
| Q2 24 | $548.0K | $64.3M | ||
| Q1 24 | $951.0K | $71.8M |
自由现金流ALKTTYL
| Q4 25 | $16.2M | $239.6M | ||
| Q3 25 | $30.5M | $251.3M | ||
| Q2 25 | $760.0K | $92.8M | ||
| Q1 25 | $-6.1M | $53.8M | ||
| Q4 24 | $6.0M | $221.0M | ||
| Q3 24 | $10.7M | $260.8M | ||
| Q2 24 | $123.0K | $57.7M | ||
| Q1 24 | $645.0K | $64.6M |
自由现金流率ALKTTYL
| Q4 25 | 13.4% | 41.7% | ||
| Q3 25 | 27.0% | 42.2% | ||
| Q2 25 | 0.7% | 15.6% | ||
| Q1 25 | -6.3% | 9.5% | ||
| Q4 24 | 6.6% | 40.8% | ||
| Q3 24 | 12.4% | 48.0% | ||
| Q2 24 | 0.1% | 10.7% | ||
| Q1 24 | 0.8% | 12.6% |
资本支出强度ALKTTYL
| Q4 25 | 0.3% | 0.8% | ||
| Q3 25 | 0.2% | 0.7% | ||
| Q2 25 | 0.4% | 0.9% | ||
| Q1 25 | 0.5% | 0.4% | ||
| Q4 24 | 0.2% | 0.7% | ||
| Q3 24 | 0.4% | 0.5% | ||
| Q2 24 | 0.5% | 1.2% | ||
| Q1 24 | 0.4% | 1.4% |
现金转化率ALKTTYL
| Q4 25 | — | 3.72× | ||
| Q3 25 | — | 3.02× | ||
| Q2 25 | — | 1.16× | ||
| Q1 25 | — | 0.69× | ||
| Q4 24 | — | 3.45× | ||
| Q3 24 | — | 3.47× | ||
| Q2 24 | — | 0.95× | ||
| Q1 24 | — | 1.33× |
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
ALKT
| Saa S Subscription Services | $115.1M | 95% |
| Implementation Services | $3.6M | 3% |
| Service Other | $2.1M | 2% |
TYL
| Saas Arrangements | $186.1M | 32% |
| Platform Technologies Segment | $143.3M | 25% |
| Maintenance | $109.4M | 19% |
| Professional Services | $55.3M | 10% |
| Nonrecurring Revenue | $51.3M | 9% |
| Other | $21.4M | 4% |
| Hardware And Other | $8.4M | 1% |
