vs
高知特（CTSH）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是高知特的1.4倍（$7.4B vs $5.4B），美国合众银行净利率更高（27.8% vs 12.2%，领先15.5%），高知特同比增速更快（5.8% vs 5.1%），过去两年高知特的营收复合增速更高（5.6% vs 4.7%）
高知特是美国跨国信息技术咨询与外包服务商，1994年成立于印度金奈，最初是邓白氏旗下内部技术部门，1996年起对外开展服务，现总部位于美国新泽西州蒂内克，为纳斯达克100指数成分股，股票代码CTSH。
美国合众银行是美国跨国银行机构，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系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
CTSH vs USB — 直观对比
营收规模更大
USB
是对方的1.4倍
$5.4B
营收增速更快
CTSH
高出0.7%
5.1%
净利率更高
USB
高出15.5%
12.2%
两年增速更快
CTSH
近两年复合增速
4.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $5.4B | $7.4B |
| 净利润 | $662.0M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 15.6% | 34.4% |
| 净利率 | 12.2% | 27.8% |
| 营收同比 | 5.8% | 5.1% |
| 净利润同比 | -0.2% | 23.0% |
| 每股收益（稀释后） | $1.39 | $1.26 |
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CTSHUSB
| Q1 26 | $5.4B | — | ||
| Q4 25 | $5.3B | $7.4B | ||
| Q3 25 | $5.4B | $7.3B | ||
| Q2 25 | $5.2B | $7.0B | ||
| Q1 25 | $5.1B | $7.0B | ||
| Q4 24 | $5.1B | $7.0B | ||
| Q3 24 | $5.0B | $6.9B | ||
| Q2 24 | $4.8B | $6.9B |
净利润CTSHUSB
| Q1 26 | $662.0M | — | ||
| Q4 25 | $648.0M | $2.0B | ||
| Q3 25 | $274.0M | $2.0B | ||
| Q2 25 | $645.0M | $1.8B | ||
| Q1 25 | $663.0M | $1.7B | ||
| Q4 24 | $546.0M | $1.7B | ||
| Q3 24 | $582.0M | $1.7B | ||
| Q2 24 | $566.0M | $1.6B |
营业利润率CTSHUSB
| Q1 26 | 15.6% | — | ||
| Q4 25 | 16.0% | 34.4% | ||
| Q3 25 | 16.0% | 34.5% | ||
| Q2 25 | 15.6% | 32.7% | ||
| Q1 25 | 16.7% | 31.0% | ||
| Q4 24 | 14.8% | 30.1% | ||
| Q3 24 | 14.6% | 30.2% | ||
| Q2 24 | 14.6% | 29.9% |
净利率CTSHUSB
| Q1 26 | 12.2% | — | ||
| Q4 25 | 12.2% | 27.8% | ||
| Q3 25 | 5.1% | 27.3% | ||
| Q2 25 | 12.3% | 25.9% | ||
| Q1 25 | 13.0% | 24.6% | ||
| Q4 24 | 10.7% | 23.7% | ||
| Q3 24 | 11.5% | 25.0% | ||
| Q2 24 | 11.7% | 23.3% |
每股收益（稀释后）CTSHUSB
| Q1 26 | $1.39 | — | ||
| Q4 25 | $1.35 | $1.26 | ||
| Q3 25 | $0.56 | $1.22 | ||
| Q2 25 | $1.31 | $1.11 | ||
| Q1 25 | $1.34 | $1.03 | ||
| Q4 24 | $1.10 | $1.01 | ||
| Q3 24 | $1.17 | $1.03 | ||
| Q2 24 | $1.14 | $0.97 |
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 | $1.5B | — |
| 总债务越低越好 | $568.0M | — |
| 股东权益账面价值 | $15.1B | $65.2B |
| 总资产 | $20.5B | $692.3B |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资CTSHUSB
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.9B | — | ||
| Q3 25 | $2.4B | — | ||
| Q2 25 | $1.8B | — | ||
| Q1 25 | $2.0B | — | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $2.2B | — |
总债务CTSHUSB
| Q1 26 | $568.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CTSHUSB
| Q1 26 | $15.1B | — | ||
| Q4 25 | $15.0B | $65.2B | ||
| Q3 25 | $14.9B | $63.3B | ||
| Q2 25 | $15.3B | $61.4B | ||
| Q1 25 | $14.9B | $60.1B | ||
| Q4 24 | $14.4B | $58.6B | ||
| Q3 24 | $14.5B | $58.9B | ||
| Q2 24 | $13.9B | $56.4B |
总资产CTSHUSB
| Q1 26 | $20.5B | — | ||
| Q4 25 | $20.7B | $692.3B | ||
| Q3 25 | $20.1B | $695.4B | ||
| Q2 25 | $20.2B | $686.4B | ||
| Q1 25 | $20.0B | $676.5B | ||
| Q4 24 | $20.0B | $678.3B | ||
| Q3 24 | $20.2B | $686.5B | ||
| Q2 24 | $18.6B | $680.1B |
负债/权益比CTSHUSB
| Q1 26 | 0.04× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| 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 | $274.0M | $2.8B |
| 自由现金流经营现金流 - 资本支出 | $198.0M | — |
| 自由现金流率自由现金流/营收 | 3.7% | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 0.41× | 1.39× |
| 过去12个月自由现金流最近4个季度 | $2.5B | — |
8季度趋势，按日历期对齐
经营现金流CTSHUSB
| Q1 26 | $274.0M | — | ||
| Q4 25 | $858.0M | $2.8B | ||
| Q3 25 | $1.2B | $3.4B | ||
| Q2 25 | $398.0M | $2.0B | ||
| Q1 25 | $400.0M | $-285.0M | ||
| Q4 24 | $920.0M | $4.8B | ||
| Q3 24 | $847.0M | $972.0M | ||
| Q2 24 | $262.0M | $2.9B |
自由现金流CTSHUSB
| Q1 26 | $198.0M | — | ||
| Q4 25 | $781.0M | — | ||
| Q3 25 | $1.2B | — | ||
| Q2 25 | $331.0M | — | ||
| Q1 25 | $323.0M | — | ||
| Q4 24 | $837.0M | — | ||
| Q3 24 | $791.0M | — | ||
| Q2 24 | $183.0M | — |
自由现金流率CTSHUSB
| Q1 26 | 3.7% | — | ||
| Q4 25 | 14.6% | — | ||
| Q3 25 | 21.4% | — | ||
| Q2 25 | 6.3% | — | ||
| Q1 25 | 6.3% | — | ||
| Q4 24 | 16.5% | — | ||
| Q3 24 | 15.7% | — | ||
| Q2 24 | 3.8% | — |
资本支出强度CTSHUSB
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 1.3% | — | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 1.6% | — | ||
| Q3 24 | 1.1% | — | ||
| Q2 24 | 1.6% | — |
现金转化率CTSHUSB
| Q1 26 | 0.41× | — | ||
| Q4 25 | 1.32× | 1.39× | ||
| Q3 25 | 4.48× | 1.69× | ||
| Q2 25 | 0.62× | 1.12× | ||
| Q1 25 | 0.60× | -0.17× | ||
| Q4 24 | 1.68× | 2.87× | ||
| Q3 24 | 1.46× | 0.57× | ||
| Q2 24 | 0.46× | 1.79× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
