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简柏特（G）与UMB FINANCIAL CORP（UMBF）财务数据对比。点击上方公司名可切换其他公司
简柏特的季度营收约是UMB FINANCIAL CORP的1.8倍（$1.3B vs $739.2M），UMB FINANCIAL CORP净利率更高（35.4% vs 10.8%，领先24.5%），UMB FINANCIAL CORP同比增速更快（321.6% vs 5.6%），过去两年UMB FINANCIAL CORP的营收复合增速更高（73.7% vs 8.0%）
简柏特是全球领先的信息技术服务、咨询及外包提供商，总部位于美国纽约，最初成立于印度古尔冈，法定注册地为百慕大。集团现有员工超12.5万名，服务覆盖全球30多个国家，于纽交所上市，2023年总营收达44.8亿美元。
UMB金融集团是总部位于美国密苏里州堪萨斯城的金融服务机构，面向美国全境及爱尔兰的个人、企业与机构客户，提供多元化金融服务，涵盖支票、储蓄等存款产品，住房按揭、车贷、商贷、信用卡等信贷服务，以及投资与财富管理解决方案。
G vs UMBF — 直观对比
营收规模更大
G
是对方的1.8倍
$739.2M
营收增速更快
UMBF
高出316.0%
5.6%
净利率更高
UMBF
高出24.5%
10.8%
两年增速更快
UMBF
近两年复合增速
8.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $739.2M |
| 净利润 | $143.1M | $261.4M |
| 毛利率 | 36.6% | — |
| 营业利润率 | 14.8% | — |
| 净利率 | 10.8% | 35.4% |
| 营收同比 | 5.6% | 321.6% |
| 净利润同比 | 0.8% | 221.4% |
| 每股收益（稀释后） | $0.82 | $3.35 |
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GUMBF
| Q1 26 | — | $739.2M | ||
| Q4 25 | $1.3B | $522.5M | ||
| Q3 25 | $1.3B | $475.0M | ||
| Q2 25 | $1.3B | $467.0M | ||
| Q1 25 | $1.2B | $397.6M | ||
| Q4 24 | $1.2B | $269.0M | ||
| Q3 24 | $1.2B | $247.4M | ||
| Q2 24 | $1.2B | $245.1M |
净利润GUMBF
| Q1 26 | — | $261.4M | ||
| Q4 25 | $143.1M | $215.4M | ||
| Q3 25 | $145.8M | $188.3M | ||
| Q2 25 | $132.7M | $217.4M | ||
| Q1 25 | $130.9M | $81.3M | ||
| Q4 24 | $141.9M | $120.0M | ||
| Q3 24 | $132.8M | $109.6M | ||
| Q2 24 | $122.0M | $101.3M |
毛利率GUMBF
| Q1 26 | — | — | ||
| Q4 25 | 36.6% | — | ||
| Q3 25 | 36.4% | — | ||
| Q2 25 | 35.9% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 35.7% | — | ||
| Q3 24 | 35.6% | — | ||
| Q2 24 | 35.4% | — |
营业利润率GUMBF
| Q1 26 | — | — | ||
| Q4 25 | 14.8% | 51.7% | ||
| Q3 25 | 14.8% | 49.8% | ||
| Q2 25 | 14.3% | 58.9% | ||
| Q1 25 | 15.1% | 23.4% | ||
| Q4 24 | 15.2% | 53.8% | ||
| Q3 24 | 15.0% | 54.8% | ||
| Q2 24 | 14.5% | 51.8% |
净利率GUMBF
| Q1 26 | — | 35.4% | ||
| Q4 25 | 10.8% | 41.2% | ||
| Q3 25 | 11.3% | 39.6% | ||
| Q2 25 | 10.6% | 46.5% | ||
| Q1 25 | 10.8% | 20.5% | ||
| Q4 24 | 11.4% | 44.6% | ||
| Q3 24 | 11.0% | 44.3% | ||
| Q2 24 | 10.4% | 41.3% |
每股收益（稀释后）GUMBF
| Q1 26 | — | $3.35 | ||
| Q4 25 | $0.82 | $2.90 | ||
| Q3 25 | $0.83 | $2.36 | ||
| Q2 25 | $0.75 | $2.82 | ||
| Q1 25 | $0.73 | $1.21 | ||
| Q4 24 | $0.80 | $2.44 | ||
| Q3 24 | $0.74 | $2.23 | ||
| Q2 24 | $0.67 | $2.07 |
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 | $1.2B | — |
| 总债务越低越好 | $1.5B | $477.2M |
| 股东权益账面价值 | $2.5B | $7.8B |
| 总资产 | $5.8B | $72.7B |
| 负债/权益比越低杠杆越低 | 0.60× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资GUMBF
| Q1 26 | — | — | ||
| Q4 25 | $1.2B | $7.8B | ||
| Q3 25 | $740.8M | $8.8B | ||
| Q2 25 | $663.3M | $11.0B | ||
| Q1 25 | $561.6M | $10.6B | ||
| Q4 24 | $671.6M | $8.4B | ||
| Q3 24 | $1.0B | $7.3B | ||
| Q2 24 | $914.2M | $5.0B |
总债务GUMBF
| Q1 26 | — | $477.2M | ||
| Q4 25 | $1.5B | $474.2M | ||
| Q3 25 | $1.2B | $471.3M | ||
| Q2 25 | $1.2B | $657.3M | ||
| Q1 25 | $1.2B | $654.4M | ||
| Q4 24 | $1.2B | $385.3M | ||
| Q3 24 | $1.6B | $384.8M | ||
| Q2 24 | $1.6B | $384.2M |
股东权益GUMBF
| Q1 26 | — | $7.8B | ||
| Q4 25 | $2.5B | $7.7B | ||
| Q3 25 | $2.5B | $7.4B | ||
| Q2 25 | $2.6B | $7.3B | ||
| Q1 25 | $2.5B | $6.7B | ||
| Q4 24 | $2.4B | $3.5B | ||
| Q3 24 | $2.4B | $3.5B | ||
| Q2 24 | $2.3B | $3.2B |
总资产GUMBF
| Q1 26 | — | $72.7B | ||
| Q4 25 | $5.8B | $73.1B | ||
| Q3 25 | $5.4B | $71.9B | ||
| Q2 25 | $5.3B | $71.8B | ||
| Q1 25 | $4.9B | $69.3B | ||
| Q4 24 | $5.0B | $50.4B | ||
| Q3 24 | $5.3B | $47.5B | ||
| Q2 24 | $5.2B | $44.5B |
负债/权益比GUMBF
| Q1 26 | — | 0.06× | ||
| Q4 25 | 0.60× | 0.06× | ||
| Q3 25 | 0.47× | 0.06× | ||
| Q2 25 | 0.47× | 0.09× | ||
| Q1 25 | 0.50× | 0.10× | ||
| Q4 24 | 0.51× | 0.11× | ||
| Q3 24 | 0.68× | 0.11× | ||
| Q2 24 | 0.70× | 0.12× |
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 | $286.7M | — |
| 自由现金流经营现金流 - 资本支出 | $269.0M | — |
| 自由现金流率自由现金流/营收 | 20.4% | — |
| 资本支出强度资本支出/营收 | 1.3% | — |
| 现金转化率经营现金流/净利润 | 2.00× | — |
| 过去12个月自由现金流最近4个季度 | $734.7M | — |
8季度趋势，按日历期对齐
经营现金流GUMBF
| Q1 26 | — | — | ||
| Q4 25 | $286.7M | $106.1M | ||
| Q3 25 | $308.4M | $272.2M | ||
| Q2 25 | $177.4M | $285.4M | ||
| Q1 25 | $40.4M | $363.0M | ||
| Q4 24 | $203.2M | $-66.9M | ||
| Q3 24 | $228.5M | $123.6M | ||
| Q2 24 | $209.3M | $112.4M |
自由现金流GUMBF
| Q1 26 | — | — | ||
| Q4 25 | $269.0M | $95.3M | ||
| Q3 25 | $292.0M | $257.8M | ||
| Q2 25 | $155.1M | $270.8M | ||
| Q1 25 | $18.5M | $354.2M | ||
| Q4 24 | $183.5M | $-77.1M | ||
| Q3 24 | $208.7M | $117.7M | ||
| Q2 24 | $190.0M | $106.7M |
自由现金流率GUMBF
| Q1 26 | — | — | ||
| Q4 25 | 20.4% | 18.2% | ||
| Q3 25 | 22.6% | 54.3% | ||
| Q2 25 | 12.4% | 58.0% | ||
| Q1 25 | 1.5% | 89.1% | ||
| Q4 24 | 14.7% | -28.6% | ||
| Q3 24 | 17.2% | 47.6% | ||
| Q2 24 | 16.2% | 43.5% |
资本支出强度GUMBF
| Q1 26 | — | — | ||
| Q4 25 | 1.3% | 2.1% | ||
| Q3 25 | 1.3% | 3.0% | ||
| Q2 25 | 1.8% | 3.1% | ||
| Q1 25 | 1.8% | 2.2% | ||
| Q4 24 | 1.6% | 3.8% | ||
| Q3 24 | 1.6% | 2.4% | ||
| Q2 24 | 1.6% | 2.3% |
现金转化率GUMBF
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | 0.49× | ||
| Q3 25 | 2.11× | 1.45× | ||
| Q2 25 | 1.34× | 1.31× | ||
| Q1 25 | 0.31× | 4.46× | ||
| Q4 24 | 1.43× | -0.56× | ||
| Q3 24 | 1.72× | 1.13× | ||
| Q2 24 | 1.72× | 1.11× |
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
G
| High Tech And Manufacturing | $525.3M | 40% |
| Consumer And Healthcare | $445.8M | 34% |
| Financial Services | $348.2M | 26% |
UMBF
暂无分部数据
