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ASURE SOFTWARE INC（ASUR）与合众银行（WASH）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是ASURE SOFTWARE INC的1.6倍（$57.8M vs $36.3M），合众银行净利率更高（21.8% vs -14.8%，领先36.6%），过去两年ASURE SOFTWARE INC的营收复合增速更高（11.2% vs 9.5%）
Asure Software是一家软件企业，其前身为Forgent Networks，2007年9月完成品牌更名后，业务逐渐拓展至人力资本管理领域，为客户提供薪资发放、考勤管理、人才管理、人力资源管理、福利管理以及保险相关服务等解决方案。
美国合众银行是一家美国跨国金融机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年，该银行为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构。它主营银行、投资、抵押贷款等多元金融业务。
ASUR vs WASH — 直观对比
营收规模更大
WASH
是对方的1.6倍
$36.3M
净利率更高
WASH
高出36.6%
-14.8%
两年增速更快
ASUR
近两年复合增速
9.5%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $36.3M | $57.8M |
| 净利润 | $-5.4M | $12.6M |
| 毛利率 | 63.8% | — |
| 营业利润率 | -9.7% | — |
| 净利率 | -14.8% | 21.8% |
| 营收同比 | 23.7% | — |
| 净利润同比 | -37.5% | 3.5% |
| 每股收益（稀释后） | $-0.19 | $0.66 |
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ASURWASH
| Q1 26 | — | $57.8M | ||
| Q4 25 | — | $59.3M | ||
| Q3 25 | $36.3M | $56.5M | ||
| Q2 25 | $30.1M | $54.3M | ||
| Q1 25 | $34.9M | $59.1M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | $29.3M | $48.5M | ||
| Q2 24 | $28.0M | $48.2M |
净利润ASURWASH
| Q1 26 | — | $12.6M | ||
| Q4 25 | — | $16.0M | ||
| Q3 25 | $-5.4M | $10.8M | ||
| Q2 25 | $-6.1M | $13.2M | ||
| Q1 25 | $-2.4M | $12.2M | ||
| Q4 24 | — | $-60.8M | ||
| Q3 24 | $-3.9M | $11.0M | ||
| Q2 24 | $-4.4M | $10.8M |
毛利率ASURWASH
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 63.8% | — | ||
| Q2 25 | 66.1% | — | ||
| Q1 25 | 70.6% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 67.2% | — | ||
| Q2 24 | 67.3% | — |
营业利润率ASURWASH
| Q1 26 | — | — | ||
| Q4 25 | — | 34.9% | ||
| Q3 25 | -9.7% | 24.7% | ||
| Q2 25 | -15.4% | 31.6% | ||
| Q1 25 | -5.8% | 26.5% | ||
| Q4 24 | — | -648.7% | ||
| Q3 24 | -12.4% | 28.5% | ||
| Q2 24 | -14.9% | 28.7% |
净利率ASURWASH
| Q1 26 | — | 21.8% | ||
| Q4 25 | — | 27.0% | ||
| Q3 25 | -14.8% | 19.2% | ||
| Q2 25 | -20.3% | 24.4% | ||
| Q1 25 | -6.9% | 20.6% | ||
| Q4 24 | — | -491.4% | ||
| Q3 24 | -13.3% | 22.6% | ||
| Q2 24 | -15.5% | 22.4% |
每股收益（稀释后）ASURWASH
| Q1 26 | — | $0.66 | ||
| Q4 25 | — | $0.84 | ||
| Q3 25 | $-0.19 | $0.56 | ||
| Q2 25 | $-0.22 | $0.68 | ||
| Q1 25 | $-0.09 | $0.63 | ||
| Q4 24 | — | $-3.54 | ||
| Q3 24 | $-0.15 | $0.64 | ||
| Q2 24 | $-0.17 | $0.63 |
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 | $21.5M | $12.3M |
| 总债务越低越好 | $70.4M | — |
| 股东权益账面价值 | $193.1M | $546.8M |
| 总资产 | $447.1M | $6.5B |
| 负债/权益比越低杠杆越低 | 0.36× | — |
8季度趋势，按日历期对齐
现金及短期投资ASURWASH
| Q1 26 | — | $12.3M | ||
| Q4 25 | — | — | ||
| Q3 25 | $21.5M | — | ||
| Q2 25 | $66.0M | — | ||
| Q1 25 | $14.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $11.2M | — | ||
| Q2 24 | $20.7M | — |
总债务ASURWASH
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $70.4M | — | ||
| Q2 25 | $67.4M | — | ||
| Q1 25 | $14.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $7.5M | — | ||
| Q2 24 | $6.0M | — |
股东权益ASURWASH
| Q1 26 | — | $546.8M | ||
| Q4 25 | — | $543.6M | ||
| Q3 25 | $193.1M | $533.0M | ||
| Q2 25 | $194.3M | $527.5M | ||
| Q1 25 | $197.7M | $521.7M | ||
| Q4 24 | — | $499.7M | ||
| Q3 24 | $199.2M | $502.2M | ||
| Q2 24 | $195.5M | $471.0M |
总资产ASURWASH
| Q1 26 | — | $6.5B | ||
| Q4 25 | — | $6.6B | ||
| Q3 25 | $447.1M | $6.7B | ||
| Q2 25 | $505.6M | $6.7B | ||
| Q1 25 | $498.9M | $6.6B | ||
| Q4 24 | — | $6.9B | ||
| Q3 24 | $428.1M | $7.1B | ||
| Q2 24 | $420.1M | $7.2B |
负债/权益比ASURWASH
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.36× | — | ||
| Q2 25 | 0.35× | — | ||
| Q1 25 | 0.07× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.03× | — |
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 | $5.8M | — |
| 自由现金流经营现金流 - 资本支出 | $5.7M | — |
| 自由现金流率自由现金流/营收 | 15.6% | — |
| 资本支出强度资本支出/营收 | 0.3% | — |
| 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 | $11.6M | — |
8季度趋势，按日历期对齐
经营现金流ASURWASH
| Q1 26 | — | — | ||
| Q4 25 | — | $80.3M | ||
| Q3 25 | $5.8M | $39.6M | ||
| Q2 25 | $3.2M | $11.3M | ||
| Q1 25 | $2.0M | $8.4M | ||
| Q4 24 | — | $57.7M | ||
| Q3 24 | $1.3M | $25.7M | ||
| Q2 24 | $2.2M | $11.2M |
自由现金流ASURWASH
| Q1 26 | — | — | ||
| Q4 25 | — | $78.3M | ||
| Q3 25 | $5.7M | $39.3M | ||
| Q2 25 | $3.0M | $10.9M | ||
| Q1 25 | $1.8M | $8.4M | ||
| Q4 24 | — | $53.7M | ||
| Q3 24 | $1.2M | $24.4M | ||
| Q2 24 | $2.1M | $9.6M |
自由现金流率ASURWASH
| Q1 26 | — | — | ||
| Q4 25 | — | 132.2% | ||
| Q3 25 | 15.6% | 69.6% | ||
| Q2 25 | 9.8% | 20.2% | ||
| Q1 25 | 5.2% | 14.2% | ||
| Q4 24 | — | 433.8% | ||
| Q3 24 | 3.9% | 50.4% | ||
| Q2 24 | 7.5% | 19.8% |
资本支出强度ASURWASH
| Q1 26 | — | — | ||
| Q4 25 | — | 3.4% | ||
| Q3 25 | 0.3% | 0.6% | ||
| Q2 25 | 0.7% | 0.7% | ||
| Q1 25 | 0.6% | 0.1% | ||
| Q4 24 | — | 32.3% | ||
| Q3 24 | 0.6% | 2.6% | ||
| Q2 24 | 0.5% | 3.4% |
现金转化率ASURWASH
| Q1 26 | — | — | ||
| Q4 25 | — | 5.03× | ||
| Q3 25 | — | 3.65× | ||
| Q2 25 | — | 0.86× | ||
| Q1 25 | — | 0.69× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 2.34× | ||
| Q2 24 | — | 1.03× |
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
ASUR
| Recurring | $31.8M | 88% |
| Lathem Time | $4.6M | 13% |
WASH
| Net Interest Income | $40.5M | 70% |
| Noninterest Income | $17.3M | 30% |
