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8X8 INC（EGHT）与合众银行（OSBC）财务数据对比。点击上方公司名可切换其他公司
8X8 INC的季度营收约是合众银行的2.0倍（$185.1M vs $93.8M），合众银行净利率更高（27.3% vs 2.8%，领先24.5%），过去两年合众银行的营收复合增速更高（15.1% vs 1.6%）
8x8 Inc是源自美国的企业级云通信与客户体验软件服务商，依托云架构为企业提供统一通信、呼叫中心及通信平台即服务（CPaaS）等产品方案，公司总部位于加利福尼亚州坎贝尔，其股票在纳斯达克交易所挂牌交易。
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，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，主营银行、投资、抵押等金融服务。
EGHT vs OSBC — 直观对比
营收规模更大
EGHT
是对方的2.0倍
$93.8M
净利率更高
OSBC
高出24.5%
2.8%
两年增速更快
OSBC
近两年复合增速
1.6%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $185.1M | $93.8M |
| 净利润 | $5.1M | $25.6M |
| 毛利率 | 63.9% | — |
| 营业利润率 | 5.2% | — |
| 净利率 | 2.8% | 27.3% |
| 营收同比 | 3.4% | — |
| 净利润同比 | 68.4% | 159.2% |
| 每股收益（稀释后） | $0.04 | $0.48 |
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EGHTOSBC
| Q1 26 | — | $93.8M | ||
| Q4 25 | $185.1M | $95.2M | ||
| Q3 25 | $184.1M | $95.9M | ||
| Q2 25 | $181.4M | $75.1M | ||
| Q1 25 | $177.0M | $73.1M | ||
| Q4 24 | $178.9M | $73.2M | ||
| Q3 24 | $181.0M | $71.2M | ||
| Q2 24 | $178.1M | $70.8M |
净利润EGHTOSBC
| Q1 26 | — | $25.6M | ||
| Q4 25 | $5.1M | — | ||
| Q3 25 | $767.0K | $9.9M | ||
| Q2 25 | $-4.3M | $21.8M | ||
| Q1 25 | $-5.4M | $19.8M | ||
| Q4 24 | $3.0M | — | ||
| Q3 24 | $-14.5M | $23.0M | ||
| Q2 24 | $-10.3M | $21.9M |
毛利率EGHTOSBC
| Q1 26 | — | — | ||
| Q4 25 | 63.9% | — | ||
| Q3 25 | 64.8% | — | ||
| Q2 25 | 66.4% | — | ||
| Q1 25 | 67.8% | — | ||
| Q4 24 | 67.7% | — | ||
| Q3 24 | 68.1% | — | ||
| Q2 24 | 67.9% | — |
营业利润率EGHTOSBC
| Q1 26 | — | — | ||
| Q4 25 | 5.2% | 41.2% | ||
| Q3 25 | 2.9% | 13.6% | ||
| Q2 25 | 0.3% | 38.9% | ||
| Q1 25 | 0.2% | 35.8% | ||
| Q4 24 | 5.0% | 34.7% | ||
| Q3 24 | 4.0% | 41.9% | ||
| Q2 24 | -0.8% | 41.2% |
净利率EGHTOSBC
| Q1 26 | — | 27.3% | ||
| Q4 25 | 2.8% | — | ||
| Q3 25 | 0.4% | 10.3% | ||
| Q2 25 | -2.4% | 29.0% | ||
| Q1 25 | -3.1% | 27.1% | ||
| Q4 24 | 1.7% | — | ||
| Q3 24 | -8.0% | 32.3% | ||
| Q2 24 | -5.8% | 30.9% |
每股收益（稀释后）EGHTOSBC
| Q1 26 | — | $0.48 | ||
| Q4 25 | $0.04 | $0.53 | ||
| Q3 25 | $0.01 | $0.18 | ||
| Q2 25 | $-0.03 | $0.48 | ||
| Q1 25 | $-0.04 | $0.43 | ||
| Q4 24 | $0.02 | $0.42 | ||
| Q3 24 | $-0.11 | $0.50 | ||
| Q2 24 | $-0.08 | $0.48 |
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 | $86.9M | $115.7M |
| 总债务越低越好 | $321.2M | — |
| 股东权益账面价值 | $142.9M | $893.3M |
| 总资产 | $661.5M | $6.8B |
| 负债/权益比越低杠杆越低 | 2.25× | — |
8季度趋势，按日历期对齐
现金及短期投资EGHTOSBC
| Q1 26 | — | $115.7M | ||
| Q4 25 | $86.9M | $124.0M | ||
| Q3 25 | $75.9M | $116.5M | ||
| Q2 25 | $81.3M | $141.8M | ||
| Q1 25 | $88.0M | $256.1M | ||
| Q4 24 | $104.2M | $99.3M | ||
| Q3 24 | $117.4M | $115.8M | ||
| Q2 24 | $130.8M | $120.9M |
总债务EGHTOSBC
| Q1 26 | — | — | ||
| Q4 25 | $321.2M | — | ||
| Q3 25 | $325.8M | — | ||
| Q2 25 | $335.4M | — | ||
| Q1 25 | $350.0M | — | ||
| Q4 24 | $364.5M | — | ||
| Q3 24 | $396.9M | — | ||
| Q2 24 | — | — |
股东权益EGHTOSBC
| Q1 26 | — | $893.3M | ||
| Q4 25 | $142.9M | $896.8M | ||
| Q3 25 | $133.2M | $866.7M | ||
| Q2 25 | $128.2M | $718.6M | ||
| Q1 25 | $122.2M | $694.5M | ||
| Q4 24 | $113.0M | $671.0M | ||
| Q3 24 | $109.8M | $661.4M | ||
| Q2 24 | $104.6M | $619.3M |
总资产EGHTOSBC
| Q1 26 | — | $6.8B | ||
| Q4 25 | $661.5M | $6.9B | ||
| Q3 25 | $670.8M | $7.0B | ||
| Q2 25 | $684.3M | $5.7B | ||
| Q1 25 | $683.2M | $5.7B | ||
| Q4 24 | $698.2M | $5.6B | ||
| Q3 24 | $740.1M | $5.7B | ||
| Q2 24 | $755.7M | $5.7B |
负债/权益比EGHTOSBC
| Q1 26 | — | — | ||
| Q4 25 | 2.25× | — | ||
| Q3 25 | 2.45× | — | ||
| Q2 25 | 2.62× | — | ||
| Q1 25 | 2.86× | — | ||
| Q4 24 | 3.23× | — | ||
| Q3 24 | 3.61× | — | ||
| 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 | $20.7M | — |
| 自由现金流经营现金流 - 资本支出 | $19.1M | — |
| 自由现金流率自由现金流/营收 | 10.3% | — |
| 资本支出强度资本支出/营收 | 0.9% | — |
| 现金转化率经营现金流/净利润 | 4.07× | — |
| 过去12个月自由现金流最近4个季度 | $43.8M | — |
8季度趋势，按日历期对齐
经营现金流EGHTOSBC
| Q1 26 | — | — | ||
| Q4 25 | $20.7M | $122.3M | ||
| Q3 25 | $8.8M | $35.9M | ||
| Q2 25 | $11.9M | $24.2M | ||
| Q1 25 | $5.9M | $17.8M | ||
| Q4 24 | $27.2M | $131.5M | ||
| Q3 24 | $12.3M | $48.5M | ||
| Q2 24 | $18.1M | $11.6M |
自由现金流EGHTOSBC
| Q1 26 | — | — | ||
| Q4 25 | $19.1M | $117.8M | ||
| Q3 25 | $7.7M | $34.7M | ||
| Q2 25 | $11.5M | $23.5M | ||
| Q1 25 | $5.5M | $16.2M | ||
| Q4 24 | $26.8M | $120.7M | ||
| Q3 24 | $11.1M | $46.2M | ||
| Q2 24 | $17.8M | $8.7M |
自由现金流率EGHTOSBC
| Q1 26 | — | — | ||
| Q4 25 | 10.3% | 123.7% | ||
| Q3 25 | 4.2% | 36.2% | ||
| Q2 25 | 6.3% | 31.2% | ||
| Q1 25 | 3.1% | 22.2% | ||
| Q4 24 | 15.0% | 165.0% | ||
| Q3 24 | 6.1% | 64.9% | ||
| Q2 24 | 10.0% | 12.3% |
资本支出强度EGHTOSBC
| Q1 26 | — | — | ||
| Q4 25 | 0.9% | 4.7% | ||
| Q3 25 | 0.6% | 1.3% | ||
| Q2 25 | 0.2% | 1.1% | ||
| Q1 25 | 0.2% | 2.2% | ||
| Q4 24 | 0.3% | 14.7% | ||
| Q3 24 | 0.7% | 3.3% | ||
| Q2 24 | 0.2% | 4.2% |
现金转化率EGHTOSBC
| Q1 26 | — | — | ||
| Q4 25 | 4.07× | — | ||
| Q3 25 | 11.52× | 3.64× | ||
| Q2 25 | — | 1.11× | ||
| Q1 25 | — | 0.90× | ||
| Q4 24 | 9.01× | — | ||
| Q3 24 | — | 2.11× | ||
| Q2 24 | — | 0.53× |
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
EGHT
| Services | $179.7M | 97% |
| Other | $5.4M | 3% |
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
