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CareCloud, Inc.（CCLD）与合众银行（FSBC）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CareCloud, Inc.的1.3倍（$45.1M vs $34.4M），过去两年合众银行的营收复合增速更高（21.3% vs 15.1%）
CareCloud, Inc.是一家上市的美国医疗信息技术企业，主要为各类医疗机构、医院提供专业医疗信息化相关服务，公司总部位于新泽西州萨默塞特，目前在全球拥有约四千名员工。
合众银行是总部设在美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年为美国第五大银行，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银行。它旗下核心运营实体为美国银行全国协会，以US Bank品牌开展业务，提供银行、投资、抵押等金融服务。
CCLD vs FSBC — 直观对比
营收规模更大
FSBC
是对方的1.3倍
$34.4M
两年增速更快
FSBC
近两年复合增速
15.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $34.4M | $45.1M |
| 净利润 | — | $18.6M |
| 毛利率 | — | — |
| 营业利润率 | 9.1% | — |
| 净利率 | — | 41.3% |
| 营收同比 | 21.9% | — |
| 净利润同比 | — | 42.0% |
| 每股收益（稀释后） | $0.06 | $0.87 |
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CCLDFSBC
| Q1 26 | — | $45.1M | ||
| Q4 25 | $34.4M | $43.5M | ||
| Q3 25 | $31.1M | $41.3M | ||
| Q2 25 | $27.4M | $38.3M | ||
| Q1 25 | $27.6M | $35.3M | ||
| Q4 24 | $28.2M | $35.2M | ||
| Q3 24 | $28.5M | $31.8M | ||
| Q2 24 | $28.1M | $30.7M |
净利润CCLDFSBC
| Q1 26 | — | $18.6M | ||
| Q4 25 | — | $17.6M | ||
| Q3 25 | $3.1M | $16.3M | ||
| Q2 25 | $2.9M | $14.5M | ||
| Q1 25 | $1.9M | $13.1M | ||
| Q4 24 | — | $13.3M | ||
| Q3 24 | $3.1M | $10.9M | ||
| Q2 24 | $1.7M | $10.8M |
营业利润率CCLDFSBC
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 52.9% | ||
| Q3 25 | 10.3% | 53.8% | ||
| Q2 25 | 10.9% | 52.4% | ||
| Q1 25 | 7.3% | 52.0% | ||
| Q4 24 | 12.2% | 55.1% | ||
| Q3 24 | 11.4% | 48.0% | ||
| Q2 24 | 8.1% | 49.4% |
净利率CCLDFSBC
| Q1 26 | — | 41.3% | ||
| Q4 25 | — | 40.6% | ||
| Q3 25 | 9.8% | 39.6% | ||
| Q2 25 | 10.6% | 37.9% | ||
| Q1 25 | 7.0% | 37.1% | ||
| Q4 24 | — | 37.9% | ||
| Q3 24 | 10.9% | 34.4% | ||
| Q2 24 | 6.0% | 35.2% |
每股收益（稀释后）CCLDFSBC
| Q1 26 | — | $0.87 | ||
| Q4 25 | $0.06 | $0.83 | ||
| Q3 25 | $0.04 | $0.77 | ||
| Q2 25 | $0.04 | $0.68 | ||
| Q1 25 | $-0.04 | $0.62 | ||
| Q4 24 | $0.00 | $0.61 | ||
| Q3 24 | $-0.04 | $0.52 | ||
| Q2 24 | $-0.14 | $0.51 |
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 | — | $644.4M |
| 总债务越低越好 | $1.2M | — |
| 股东权益账面价值 | $59.5M | $458.5M |
| 总资产 | $87.6M | $5.0B |
| 负债/权益比越低杠杆越低 | 0.02× | — |
8季度趋势，按日历期对齐
现金及短期投资CCLDFSBC
| Q1 26 | — | $644.4M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务CCLDFSBC
| Q1 26 | — | — | ||
| Q4 25 | $1.2M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $336.0K | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CCLDFSBC
| Q1 26 | — | $458.5M | ||
| Q4 25 | $59.5M | $445.8M | ||
| Q3 25 | $57.8M | $431.3M | ||
| Q2 25 | $56.1M | $416.7M | ||
| Q1 25 | $54.2M | $406.5M | ||
| Q4 24 | $49.8M | $396.6M | ||
| Q3 24 | $46.5M | $389.9M | ||
| Q2 24 | $43.2M | $380.5M |
总资产CCLDFSBC
| Q1 26 | — | $5.0B | ||
| Q4 25 | $87.6M | $4.8B | ||
| Q3 25 | $90.6M | $4.6B | ||
| Q2 25 | $75.2M | $4.4B | ||
| Q1 25 | $73.6M | $4.2B | ||
| Q4 24 | $71.6M | $4.1B | ||
| Q3 24 | $70.7M | $3.9B | ||
| Q2 24 | $74.0M | $3.6B |
负债/权益比CCLDFSBC
| Q1 26 | — | — | ||
| Q4 25 | 0.02× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.01× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $8.7M | — |
| 自由现金流经营现金流 - 资本支出 | $6.6M | — |
| 自由现金流率自由现金流/营收 | 19.0% | — |
| 资本支出强度资本支出/营收 | 6.2% | — |
| 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 | $23.8M | — |
8季度趋势，按日历期对齐
经营现金流CCLDFSBC
| Q1 26 | — | — | ||
| Q4 25 | $8.7M | $72.6M | ||
| Q3 25 | $7.4M | $18.8M | ||
| Q2 25 | $7.4M | $17.8M | ||
| Q1 25 | $5.1M | $15.5M | ||
| Q4 24 | $5.2M | $51.8M | ||
| Q3 24 | $7.1M | $17.5M | ||
| Q2 24 | $4.3M | $16.0M |
自由现金流CCLDFSBC
| Q1 26 | — | — | ||
| Q4 25 | $6.6M | $71.4M | ||
| Q3 25 | $6.5M | $18.6M | ||
| Q2 25 | $6.2M | $17.5M | ||
| Q1 25 | $4.5M | $15.4M | ||
| Q4 24 | $4.3M | $51.2M | ||
| Q3 24 | $6.7M | $17.3M | ||
| Q2 24 | $4.2M | $15.8M |
自由现金流率CCLDFSBC
| Q1 26 | — | — | ||
| Q4 25 | 19.0% | 164.3% | ||
| Q3 25 | 20.9% | 45.0% | ||
| Q2 25 | 22.8% | 45.8% | ||
| Q1 25 | 16.2% | 43.5% | ||
| Q4 24 | 15.2% | 145.5% | ||
| Q3 24 | 23.6% | 54.5% | ||
| Q2 24 | 14.8% | 51.6% |
资本支出强度CCLDFSBC
| Q1 26 | — | — | ||
| Q4 25 | 6.2% | 2.8% | ||
| Q3 25 | 2.8% | 0.5% | ||
| Q2 25 | 4.2% | 0.6% | ||
| Q1 25 | 2.3% | 0.3% | ||
| Q4 24 | 3.3% | 1.8% | ||
| Q3 24 | 1.2% | 0.7% | ||
| Q2 24 | 0.5% | 0.7% |
现金转化率CCLDFSBC
| Q1 26 | — | — | ||
| Q4 25 | — | 4.12× | ||
| Q3 25 | 2.41× | 1.15× | ||
| Q2 25 | 2.55× | 1.23× | ||
| Q1 25 | 2.62× | 1.18× | ||
| Q4 24 | — | 3.89× | ||
| Q3 24 | 2.26× | 1.60× | ||
| Q2 24 | 2.56× | 1.49× |
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
CCLD
| Healthcare IT | $31.0M | 90% |
| Medical Practice Management | $3.4M | 10% |
FSBC
| Net Interest Income | $43.5M | 96% |
| Noninterest Income | $1.6M | 4% |
