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Intuit（INTU）与Raymond James Financial（RJF）财务数据对比。点击上方公司名可切换其他公司
Intuit的季度营收约是Raymond James Financial的1.0倍（$3.9B vs $3.9B），Raymond James Financial净利率更高（14.1% vs 11.5%，领先2.6%），Intuit同比增速更快（18.3% vs 13.0%），过去两年Intuit的营收复合增速更高（7.1% vs 1.3%）
Intuit是总部位于美国加利福尼亚州山景城的跨国商业软件企业，专注于财务软件领域，现任首席执行官为萨桑·古达齐。旗下核心产品包括报税软件TurboTax、小微企业会计软件QuickBooks、信用监测及个人理财服务Credit Karma、邮件营销平台Mailchimp，服务覆盖个人及企业财税、营销等多个场景。
雷蒙德詹姆斯金融是美国跨国独立投资银行及金融服务机构，通过旗下子公司为个人、企业及市政主体提供多元金融服务，核心业务覆盖投资与财务规划、投资银行、资产管理等领域，总部位于美国佛罗里达州圣彼得堡。
INTU vs RJF — 直观对比
营收规模更大
INTU
是对方的1.0倍
$3.9B
营收增速更快
INTU
高出5.3%
13.0%
净利率更高
RJF
高出2.6%
11.5%
两年增速更快
INTU
近两年复合增速
1.3%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.9B | $3.9B |
| 净利润 | $446.0M | $544.0M |
| 毛利率 | — | — |
| 营业利润率 | 13.7% | — |
| 净利率 | 11.5% | 14.1% |
| 营收同比 | 18.3% | 13.0% |
| 净利润同比 | 126.4% | 10.0% |
| 每股收益（稀释后） | $1.59 | $2.83 |
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INTURJF
| Q1 26 | — | $3.9B | ||
| Q4 25 | $3.9B | $4.2B | ||
| Q3 25 | $3.8B | $4.2B | ||
| Q2 25 | $7.8B | $3.8B | ||
| Q1 25 | $4.0B | $3.8B | ||
| Q4 24 | $3.3B | $4.0B | ||
| Q3 24 | $3.2B | $4.0B | ||
| Q2 24 | $6.7B | $3.8B |
净利润INTURJF
| Q1 26 | — | $544.0M | ||
| Q4 25 | $446.0M | $563.0M | ||
| Q3 25 | $381.0M | $604.0M | ||
| Q2 25 | $2.8B | $436.0M | ||
| Q1 25 | $471.0M | $495.0M | ||
| Q4 24 | $197.0M | $600.0M | ||
| Q3 24 | $-20.0M | $602.0M | ||
| Q2 24 | $2.4B | $492.0M |
营业利润率INTURJF
| Q1 26 | — | — | ||
| Q4 25 | 13.7% | — | ||
| Q3 25 | 8.8% | — | ||
| Q2 25 | 48.0% | 14.7% | ||
| Q1 25 | 15.0% | 17.5% | ||
| Q4 24 | 8.3% | 18.6% | ||
| Q3 24 | -4.7% | — | ||
| Q2 24 | 46.1% | 17.1% |
净利率INTURJF
| Q1 26 | — | 14.1% | ||
| Q4 25 | 11.5% | 13.5% | ||
| Q3 25 | 9.9% | 14.4% | ||
| Q2 25 | 36.4% | 11.3% | ||
| Q1 25 | 11.9% | 12.9% | ||
| Q4 24 | 6.0% | 14.9% | ||
| Q3 24 | -0.6% | 15.0% | ||
| Q2 24 | 35.5% | 13.1% |
每股收益（稀释后）INTURJF
| Q1 26 | — | $2.83 | ||
| Q4 25 | $1.59 | $2.79 | ||
| Q3 25 | $1.28 | $2.96 | ||
| Q2 25 | $10.02 | $2.12 | ||
| Q1 25 | $1.67 | $2.36 | ||
| Q4 24 | $0.70 | $2.86 | ||
| Q3 24 | $-0.09 | $2.85 | ||
| Q2 24 | $8.42 | $2.31 |
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 | $3.5B | $5.4B |
| 总债务越低越好 | $6.1B | — |
| 股东权益账面价值 | $19.3B | $52.0M |
| 总资产 | $33.2B | $91.9B |
| 负债/权益比越低杠杆越低 | 0.32× | — |
8季度趋势，按日历期对齐
现金及短期投资INTURJF
| Q1 26 | — | $5.4B | ||
| Q4 25 | $3.5B | $9.9B | ||
| Q3 25 | $2.9B | $11.4B | ||
| Q2 25 | $5.4B | $9.2B | ||
| Q1 25 | $2.4B | $9.7B | ||
| Q4 24 | $2.9B | $10.0B | ||
| Q3 24 | $3.6B | $11.0B | ||
| Q2 24 | $4.2B | $9.1B |
总债务INTURJF
| Q1 26 | — | — | ||
| Q4 25 | $6.1B | — | ||
| Q3 25 | $6.0B | — | ||
| Q2 25 | $6.4B | — | ||
| Q1 25 | $6.3B | — | ||
| Q4 24 | $6.1B | — | ||
| Q3 24 | $6.0B | — | ||
| Q2 24 | $6.0B | — |
股东权益INTURJF
| Q1 26 | — | $52.0M | ||
| Q4 25 | $19.3B | $12.6B | ||
| Q3 25 | $19.7B | $12.5B | ||
| Q2 25 | $20.1B | $12.3B | ||
| Q1 25 | $17.9B | $12.2B | ||
| Q4 24 | $18.1B | $11.9B | ||
| Q3 24 | $18.4B | $11.7B | ||
| Q2 24 | $18.8B | $11.2B |
总资产INTURJF
| Q1 26 | — | $91.9B | ||
| Q4 25 | $33.2B | $88.8B | ||
| Q3 25 | $37.0B | $88.2B | ||
| Q2 25 | $36.6B | $84.8B | ||
| Q1 25 | $31.7B | $83.1B | ||
| Q4 24 | $33.2B | $82.3B | ||
| Q3 24 | $32.1B | $83.0B | ||
| Q2 24 | $31.6B | $80.6B |
负债/权益比INTURJF
| Q1 26 | — | — | ||
| Q4 25 | 0.32× | — | ||
| Q3 25 | 0.30× | — | ||
| Q2 25 | 0.32× | — | ||
| Q1 25 | 0.35× | — | ||
| Q4 24 | 0.34× | — | ||
| Q3 24 | 0.33× | — | ||
| Q2 24 | 0.32× | — |
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 | $637.0M | — |
| 自由现金流经营现金流 - 资本支出 | $599.0M | — |
| 自由现金流率自由现金流/营收 | 15.4% | — |
| 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 | 1.43× | — |
| 过去12个月自由现金流最近4个季度 | $6.4B | — |
8季度趋势，按日历期对齐
经营现金流INTURJF
| Q1 26 | — | — | ||
| Q4 25 | $637.0M | $-10.0M | ||
| Q3 25 | $381.0M | $796.0M | ||
| Q2 25 | $4.4B | $691.0M | ||
| Q1 25 | $1.1B | $117.0M | ||
| Q4 24 | $362.0M | $830.0M | ||
| Q3 24 | $417.0M | $510.0M | ||
| Q2 24 | $4.0B | $711.0M |
自由现金流INTURJF
| Q1 26 | — | — | ||
| Q4 25 | $599.0M | $-56.0M | ||
| Q3 25 | $366.0M | $752.0M | ||
| Q2 25 | $4.4B | $634.0M | ||
| Q1 25 | $1.0B | $71.0M | ||
| Q4 24 | $329.0M | $789.0M | ||
| Q3 24 | $400.0M | $460.0M | ||
| Q2 24 | $3.9B | $655.0M |
自由现金流率INTURJF
| Q1 26 | — | — | ||
| Q4 25 | 15.4% | -1.3% | ||
| Q3 25 | 9.6% | 17.9% | ||
| Q2 25 | 56.2% | 16.5% | ||
| Q1 25 | 26.2% | 1.8% | ||
| Q4 24 | 10.0% | 19.6% | ||
| Q3 24 | 12.6% | 11.5% | ||
| Q2 24 | 57.7% | 17.4% |
资本支出强度INTURJF
| Q1 26 | — | — | ||
| Q4 25 | 1.0% | 1.1% | ||
| Q3 25 | 0.4% | 1.1% | ||
| Q2 25 | 0.5% | 1.5% | ||
| Q1 25 | 0.8% | 1.2% | ||
| Q4 24 | 1.0% | 1.0% | ||
| Q3 24 | 0.5% | 1.2% | ||
| Q2 24 | 0.9% | 1.5% |
现金转化率INTURJF
| Q1 26 | — | — | ||
| Q4 25 | 1.43× | -0.02× | ||
| Q3 25 | 1.00× | 1.32× | ||
| Q2 25 | 1.56× | 1.58× | ||
| Q1 25 | 2.27× | 0.24× | ||
| Q4 24 | 1.84× | 1.38× | ||
| Q3 24 | — | 0.85× | ||
| Q2 24 | 1.65× | 1.45× |
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
INTU
| Quick Books Online Accounting | $1.2B | 32% |
| Product And Other | $779.0M | 20% |
| Credit Karma | $616.0M | 16% |
| Turbo Tax | $581.0M | 15% |
| Quick Books Desktop Accounting | $408.0M | 11% |
| Pro Tax | $290.0M | 7% |
RJF
| Private Client Group | $2.8B | 73% |
| Bank | $486.0M | 13% |
| Capital Markets | $464.0M | 12% |
| Other | $99.0M | 3% |
