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Cerence Inc.（CRNC）与REPUBLIC BANCORP INC（RBCAA）财务数据对比。点击上方公司名可切换其他公司
Cerence Inc.的季度营收约是REPUBLIC BANCORP INC的1.2倍（$115.1M vs $94.3M），REPUBLIC BANCORP INC净利率更高（24.2% vs -4.6%，领先28.8%），Cerence Inc.同比增速更快（126.1% vs 5.3%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $35.6M），过去两年Cerence Inc.的营收复合增速更高（30.3% vs -11.5%）
Cerence Inc.是一家美国跨国软件企业，核心业务为研发面向汽车领域的人工智能语音助手技术，凭借在车载智能交互领域的技术积累，为全球多家车企提供智能化车载体验解决方案。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
CRNC vs RBCAA — 直观对比
营收规模更大
CRNC
是对方的1.2倍
$94.3M
营收增速更快
CRNC
高出120.8%
5.3%
净利率更高
RBCAA
高出28.8%
-4.6%
自由现金流更多
RBCAA
多$125.5M
$35.6M
两年增速更快
CRNC
近两年复合增速
-11.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $115.1M | $94.3M |
| 净利润 | $-5.2M | $22.8M |
| 毛利率 | 86.3% | — |
| 营业利润率 | 25.5% | 29.3% |
| 净利率 | -4.6% | 24.2% |
| 营收同比 | 126.1% | 5.3% |
| 净利润同比 | 78.4% | 20.0% |
| 每股收益（稀释后） | $-0.12 | — |
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CRNCRBCAA
| Q4 25 | $115.1M | $94.3M | ||
| Q3 25 | $60.6M | $93.5M | ||
| Q2 25 | $62.2M | $93.8M | ||
| Q1 25 | $78.0M | $135.8M | ||
| Q4 24 | $50.9M | $89.5M | ||
| Q3 24 | $54.8M | $88.1M | ||
| Q2 24 | $70.5M | $86.9M | ||
| Q1 24 | $67.8M | $120.3M |
净利润CRNCRBCAA
| Q4 25 | $-5.2M | $22.8M | ||
| Q3 25 | $-13.4M | $29.7M | ||
| Q2 25 | $-2.7M | $31.5M | ||
| Q1 25 | $21.7M | $47.3M | ||
| Q4 24 | $-24.3M | $19.0M | ||
| Q3 24 | $-20.4M | $26.5M | ||
| Q2 24 | $-313.5M | $25.2M | ||
| Q1 24 | $-278.0M | $30.6M |
毛利率CRNCRBCAA
| Q4 25 | 86.3% | — | ||
| Q3 25 | 72.6% | — | ||
| Q2 25 | 73.7% | — | ||
| Q1 25 | 77.1% | — | ||
| Q4 24 | 65.0% | — | ||
| Q3 24 | 63.7% | — | ||
| Q2 24 | 71.5% | — | ||
| Q1 24 | 69.2% | — |
营业利润率CRNCRBCAA
| Q4 25 | 25.5% | 29.3% | ||
| Q3 25 | -2.9% | 40.4% | ||
| Q2 25 | -1.5% | 43.0% | ||
| Q1 25 | 22.2% | 44.1% | ||
| Q4 24 | -33.3% | 25.8% | ||
| Q3 24 | -35.1% | 38.4% | ||
| Q2 24 | -503.1% | 37.0% | ||
| Q1 24 | -389.8% | 32.2% |
净利率CRNCRBCAA
| Q4 25 | -4.6% | 24.2% | ||
| Q3 25 | -22.0% | 31.8% | ||
| Q2 25 | -4.4% | 33.5% | ||
| Q1 25 | 27.8% | 34.8% | ||
| Q4 24 | -47.7% | 21.2% | ||
| Q3 24 | -37.3% | 30.1% | ||
| Q2 24 | -444.5% | 29.0% | ||
| Q1 24 | -409.8% | 25.4% |
每股收益（稀释后）CRNCRBCAA
| Q4 25 | $-0.12 | — | ||
| Q3 25 | $-0.26 | — | ||
| Q2 25 | $-0.06 | — | ||
| Q1 25 | $0.46 | — | ||
| Q4 24 | $-0.57 | — | ||
| Q3 24 | $-0.49 | — | ||
| Q2 24 | $-7.50 | — | ||
| Q1 24 | $-6.66 | — |
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 | $2.5M | $220.0M |
| 总债务越低越好 | $171.9M | — |
| 股东权益账面价值 | $150.4M | $1.1B |
| 总资产 | $602.0M | $7.0B |
| 负债/权益比越低杠杆越低 | 1.14× | — |
8季度趋势，按日历期对齐
现金及短期投资CRNCRBCAA
| Q4 25 | $2.5M | $220.0M | ||
| Q3 25 | $3.4M | $484.2M | ||
| Q2 25 | $5.5M | $484.8M | ||
| Q1 25 | $5.4M | $793.0M | ||
| Q4 24 | $3.9M | $432.2M | ||
| Q3 24 | $5.5M | $530.9M | ||
| Q2 24 | $5.4M | $400.1M | ||
| Q1 24 | $9.4M | $546.4M |
总债务CRNCRBCAA
| Q4 25 | $171.9M | — | ||
| Q3 25 | $199.7M | — | ||
| Q2 25 | $198.8M | — | ||
| Q1 25 | $257.6M | — | ||
| Q4 24 | $256.2M | — | ||
| Q3 24 | $281.9M | — | ||
| Q2 24 | $280.4M | — | ||
| Q1 24 | $278.9M | — |
股东权益CRNCRBCAA
| Q4 25 | $150.4M | $1.1B | ||
| Q3 25 | $150.7M | $1.1B | ||
| Q2 25 | $155.7M | $1.1B | ||
| Q1 25 | $149.3M | $1.0B | ||
| Q4 24 | $120.7M | $992.0M | ||
| Q3 24 | $141.1M | $979.7M | ||
| Q2 24 | $154.2M | $955.4M | ||
| Q1 24 | $463.4M | $935.6M |
总资产CRNCRBCAA
| Q4 25 | $602.0M | $7.0B | ||
| Q3 25 | $630.6M | $7.0B | ||
| Q2 25 | $636.8M | $7.0B | ||
| Q1 25 | $665.5M | $7.1B | ||
| Q4 24 | $617.5M | $6.8B | ||
| Q3 24 | $702.4M | $6.7B | ||
| Q2 24 | $674.0M | $6.6B | ||
| Q1 24 | $987.1M | $6.9B |
负债/权益比CRNCRBCAA
| Q4 25 | 1.14× | — | ||
| Q3 25 | 1.33× | — | ||
| Q2 25 | 1.28× | — | ||
| Q1 25 | 1.73× | — | ||
| Q4 24 | 2.12× | — | ||
| Q3 24 | 2.00× | — | ||
| Q2 24 | 1.82× | — | ||
| Q1 24 | 0.60× | — |
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 | $37.9M | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $35.6M | $161.1M |
| 自由现金流率自由现金流/营收 | 31.0% | 170.9% |
| 资本支出强度资本支出/营收 | 2.0% | 7.5% |
| 现金转化率经营现金流/净利润 | — | 7.37× |
| 过去12个月自由现金流最近4个季度 | $74.6M | $288.6M |
8季度趋势，按日历期对齐
经营现金流CRNCRBCAA
| Q4 25 | $37.9M | $168.2M | ||
| Q3 25 | $12.8M | $33.3M | ||
| Q2 25 | $23.7M | $8.4M | ||
| Q1 25 | $15.5M | $93.2M | ||
| Q4 24 | $9.3M | $149.0M | ||
| Q3 24 | $6.1M | $51.3M | ||
| Q2 24 | $12.9M | $4.0M | ||
| Q1 24 | $1.0M | $71.2M |
自由现金流CRNCRBCAA
| Q4 25 | $35.6M | $161.1M | ||
| Q3 25 | $9.7M | $30.8M | ||
| Q2 25 | $16.1M | $5.2M | ||
| Q1 25 | $13.1M | $91.6M | ||
| Q4 24 | $7.9M | $143.2M | ||
| Q3 24 | $4.7M | $49.8M | ||
| Q2 24 | $12.1M | $2.7M | ||
| Q1 24 | $-801.0K | $69.1M |
自由现金流率CRNCRBCAA
| Q4 25 | 31.0% | 170.9% | ||
| Q3 25 | 16.1% | 32.9% | ||
| Q2 25 | 25.8% | 5.5% | ||
| Q1 25 | 16.8% | 67.4% | ||
| Q4 24 | 15.5% | 160.0% | ||
| Q3 24 | 8.5% | 56.5% | ||
| Q2 24 | 17.1% | 3.1% | ||
| Q1 24 | -1.2% | 57.5% |
资本支出强度CRNCRBCAA
| Q4 25 | 2.0% | 7.5% | ||
| Q3 25 | 5.0% | 2.6% | ||
| Q2 25 | 12.3% | 3.5% | ||
| Q1 25 | 3.0% | 1.2% | ||
| Q4 24 | 2.7% | 6.5% | ||
| Q3 24 | 2.6% | 1.7% | ||
| Q2 24 | 1.1% | 1.5% | ||
| Q1 24 | 2.7% | 1.7% |
现金转化率CRNCRBCAA
| Q4 25 | — | 7.37× | ||
| Q3 25 | — | 1.12× | ||
| Q2 25 | — | 0.27× | ||
| Q1 25 | 0.71× | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | — | 1.93× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 2.33× |
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
CRNC
| License | $87.8M | 76% |
| Connected Services | $14.5M | 13% |
| Professional Services | $12.8M | 11% |
RBCAA
暂无分部数据
