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Certara, Inc.（CERT）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
Certara, Inc.的季度营收约是合众银行的1.8倍（$103.6M vs $57.8M），合众银行净利率更高（21.8% vs -5.7%，领先27.5%），过去两年合众银行的营收复合增速更高（9.5% vs 3.6%）
Certara是全球领先的生物制药软件及咨询服务提供商，专注于建模模拟、监管科学领域的解决方案，服务药企、生物技术企业及医疗相关方，覆盖药物研发全周期，助力加快新疗法上市，降低研发风险与综合成本。
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。
CERT vs WASH — 直观对比
营收规模更大
CERT
是对方的1.8倍
$57.8M
净利率更高
WASH
高出27.5%
-5.7%
两年增速更快
WASH
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $103.6M | $57.8M |
| 净利润 | $-5.9M | $12.6M |
| 毛利率 | — | — |
| 营业利润率 | 0.8% | — |
| 净利率 | -5.7% | 21.8% |
| 营收同比 | 3.3% | — |
| 净利润同比 | -189.6% | 3.5% |
| 每股收益（稀释后） | $-0.04 | $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CERTWASH
| Q1 26 | — | $57.8M | ||
| Q4 25 | $103.6M | $59.3M | ||
| Q3 25 | $104.6M | $56.5M | ||
| Q2 25 | $104.6M | $54.3M | ||
| Q1 25 | $106.0M | $59.1M | ||
| Q4 24 | $100.4M | $12.4M | ||
| Q3 24 | $94.8M | $48.5M | ||
| Q2 24 | $93.3M | $48.2M |
净利润CERTWASH
| Q1 26 | — | $12.6M | ||
| Q4 25 | $-5.9M | $16.0M | ||
| Q3 25 | $1.5M | $10.8M | ||
| Q2 25 | $-2.0M | $13.2M | ||
| Q1 25 | $4.7M | $12.2M | ||
| Q4 24 | $6.6M | $-60.8M | ||
| Q3 24 | $-1.4M | $11.0M | ||
| Q2 24 | $-12.6M | $10.8M |
营业利润率CERTWASH
| Q1 26 | — | — | ||
| Q4 25 | 0.8% | 34.9% | ||
| Q3 25 | 2.9% | 24.7% | ||
| Q2 25 | 9.1% | 31.6% | ||
| Q1 25 | 7.2% | 26.5% | ||
| Q4 24 | 6.0% | -648.7% | ||
| Q3 24 | 2.7% | 28.5% | ||
| Q2 24 | -9.7% | 28.7% |
净利率CERTWASH
| Q1 26 | — | 21.8% | ||
| Q4 25 | -5.7% | 27.0% | ||
| Q3 25 | 1.5% | 19.2% | ||
| Q2 25 | -1.9% | 24.4% | ||
| Q1 25 | 4.5% | 20.6% | ||
| Q4 24 | 6.6% | -491.4% | ||
| Q3 24 | -1.4% | 22.6% | ||
| Q2 24 | -13.5% | 22.4% |
每股收益（稀释后）CERTWASH
| Q1 26 | — | $0.66 | ||
| Q4 25 | $-0.04 | $0.84 | ||
| Q3 25 | $0.01 | $0.56 | ||
| Q2 25 | $-0.01 | $0.68 | ||
| Q1 25 | $0.03 | $0.63 | ||
| Q4 24 | $0.04 | $-3.54 | ||
| Q3 24 | $-0.01 | $0.64 | ||
| Q2 24 | $-0.08 | $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 | $189.4M | $12.3M |
| 总债务越低越好 | $293.1M | — |
| 股东权益账面价值 | $1.1B | $546.8M |
| 总资产 | $1.6B | $6.5B |
| 负债/权益比越低杠杆越低 | 0.28× | — |
8季度趋势，按日历期对齐
现金及短期投资CERTWASH
| Q1 26 | — | $12.3M | ||
| Q4 25 | $189.4M | — | ||
| Q3 25 | $172.7M | — | ||
| Q2 25 | $162.3M | — | ||
| Q1 25 | $179.1M | — | ||
| Q4 24 | $179.2M | — | ||
| Q3 24 | $233.0M | — | ||
| Q2 24 | $224.6M | — |
总债务CERTWASH
| Q1 26 | — | — | ||
| Q4 25 | $293.1M | — | ||
| Q3 25 | $293.5M | — | ||
| Q2 25 | $294.2M | — | ||
| Q1 25 | $294.8M | — | ||
| Q4 24 | $295.4M | — | ||
| Q3 24 | $296.1M | — | ||
| Q2 24 | $296.7M | — |
股东权益CERTWASH
| Q1 26 | — | $546.8M | ||
| Q4 25 | $1.1B | $543.6M | ||
| Q3 25 | $1.1B | $533.0M | ||
| Q2 25 | $1.1B | $527.5M | ||
| Q1 25 | $1.1B | $521.7M | ||
| Q4 24 | $1.1B | $499.7M | ||
| Q3 24 | $1.1B | $502.2M | ||
| Q2 24 | $1.0B | $471.0M |
总资产CERTWASH
| Q1 26 | — | $6.5B | ||
| Q4 25 | $1.6B | $6.6B | ||
| Q3 25 | $1.5B | $6.7B | ||
| Q2 25 | $1.5B | $6.7B | ||
| Q1 25 | $1.6B | $6.6B | ||
| Q4 24 | $1.6B | $6.9B | ||
| Q3 24 | $1.5B | $7.1B | ||
| Q2 24 | $1.5B | $7.2B |
负债/权益比CERTWASH
| Q1 26 | — | — | ||
| Q4 25 | 0.28× | — | ||
| Q3 25 | 0.28× | — | ||
| Q2 25 | 0.27× | — | ||
| Q1 25 | 0.27× | — | ||
| Q4 24 | 0.28× | — | ||
| Q3 24 | 0.28× | — | ||
| Q2 24 | 0.28× | — |
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 | $28.8M | — |
| 自由现金流经营现金流 - 资本支出 | $27.8M | — |
| 自由现金流率自由现金流/营收 | 26.8% | — |
| 资本支出强度资本支出/营收 | 1.0% | — |
| 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 | $94.4M | — |
8季度趋势，按日历期对齐
经营现金流CERTWASH
| Q1 26 | — | — | ||
| Q4 25 | $28.8M | $80.3M | ||
| Q3 25 | $32.3M | $39.6M | ||
| Q2 25 | $17.8M | $11.3M | ||
| Q1 25 | $17.4M | $8.4M | ||
| Q4 24 | $49.4M | $57.7M | ||
| Q3 24 | $17.0M | $25.7M | ||
| Q2 24 | $9.8M | $11.2M |
自由现金流CERTWASH
| Q1 26 | — | — | ||
| Q4 25 | $27.8M | $78.3M | ||
| Q3 25 | $32.1M | $39.3M | ||
| Q2 25 | $17.8M | $10.9M | ||
| Q1 25 | $16.8M | $8.4M | ||
| Q4 24 | $49.0M | $53.7M | ||
| Q3 24 | $16.8M | $24.4M | ||
| Q2 24 | $9.4M | $9.6M |
自由现金流率CERTWASH
| Q1 26 | — | — | ||
| Q4 25 | 26.8% | 132.2% | ||
| Q3 25 | 30.7% | 69.6% | ||
| Q2 25 | 17.0% | 20.2% | ||
| Q1 25 | 15.8% | 14.2% | ||
| Q4 24 | 48.8% | 433.8% | ||
| Q3 24 | 17.7% | 50.4% | ||
| Q2 24 | 10.1% | 19.8% |
资本支出强度CERTWASH
| Q1 26 | — | — | ||
| Q4 25 | 1.0% | 3.4% | ||
| Q3 25 | 0.2% | 0.6% | ||
| Q2 25 | 0.1% | 0.7% | ||
| Q1 25 | 0.6% | 0.1% | ||
| Q4 24 | 0.4% | 32.3% | ||
| Q3 24 | 0.2% | 2.6% | ||
| Q2 24 | 0.5% | 3.4% |
现金转化率CERTWASH
| Q1 26 | — | — | ||
| Q4 25 | — | 5.03× | ||
| Q3 25 | 21.19× | 3.65× | ||
| Q2 25 | — | 0.86× | ||
| Q1 25 | 3.66× | 0.69× | ||
| Q4 24 | 7.51× | — | ||
| 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
CERT
暂无分部数据
WASH
| Net Interest Income | $40.5M | 70% |
| Noninterest Income | $17.3M | 30% |
