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Intuit（INTU）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Intuit的1.9倍（$7.4B vs $3.9B），美国合众银行净利率更高（27.8% vs 11.5%，领先16.3%），Intuit同比增速更快（18.3% vs 5.1%），过去两年Intuit的营收复合增速更高（7.1% vs 4.7%）
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。
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。
INTU vs USB — 直观对比
营收规模更大
USB
是对方的1.9倍
$3.9B
营收增速更快
INTU
高出13.3%
5.1%
净利率更高
USB
高出16.3%
11.5%
两年增速更快
INTU
近两年复合增速
4.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.9B | $7.4B |
| 净利润 | $446.0M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 13.7% | 34.4% |
| 净利率 | 11.5% | 27.8% |
| 营收同比 | 18.3% | 5.1% |
| 净利润同比 | 126.4% | 23.0% |
| 每股收益（稀释后） | $1.59 | $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INTUUSB
| Q4 25 | $3.9B | $7.4B | ||
| Q3 25 | $3.8B | $7.3B | ||
| Q2 25 | $7.8B | $7.0B | ||
| Q1 25 | $4.0B | $7.0B | ||
| Q4 24 | $3.3B | $7.0B | ||
| Q3 24 | $3.2B | $6.9B | ||
| Q2 24 | $6.7B | $6.9B | ||
| Q1 24 | $3.4B | $6.7B |
净利润INTUUSB
| Q4 25 | $446.0M | $2.0B | ||
| Q3 25 | $381.0M | $2.0B | ||
| Q2 25 | $2.8B | $1.8B | ||
| Q1 25 | $471.0M | $1.7B | ||
| Q4 24 | $197.0M | $1.7B | ||
| Q3 24 | $-20.0M | $1.7B | ||
| Q2 24 | $2.4B | $1.6B | ||
| Q1 24 | $353.0M | $1.3B |
营业利润率INTUUSB
| Q4 25 | 13.7% | 34.4% | ||
| Q3 25 | 8.8% | 34.5% | ||
| Q2 25 | 48.0% | 32.7% | ||
| Q1 25 | 15.0% | 31.0% | ||
| Q4 24 | 8.3% | 30.1% | ||
| Q3 24 | -4.7% | 30.2% | ||
| Q2 24 | 46.1% | 29.9% | ||
| Q1 24 | 10.9% | 24.9% |
净利率INTUUSB
| Q4 25 | 11.5% | 27.8% | ||
| Q3 25 | 9.9% | 27.3% | ||
| Q2 25 | 36.4% | 25.9% | ||
| Q1 25 | 11.9% | 24.6% | ||
| Q4 24 | 6.0% | 23.7% | ||
| Q3 24 | -0.6% | 25.0% | ||
| Q2 24 | 35.5% | 23.3% | ||
| Q1 24 | 10.4% | 19.6% |
每股收益（稀释后）INTUUSB
| Q4 25 | $1.59 | $1.26 | ||
| Q3 25 | $1.28 | $1.22 | ||
| Q2 25 | $10.02 | $1.11 | ||
| Q1 25 | $1.67 | $1.03 | ||
| Q4 24 | $0.70 | $1.01 | ||
| Q3 24 | $-0.09 | $1.03 | ||
| Q2 24 | $8.42 | $0.97 | ||
| Q1 24 | $1.25 | $0.78 |
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 | — |
| 总债务越低越好 | $6.1B | — |
| 股东权益账面价值 | $19.3B | $65.2B |
| 总资产 | $33.2B | $692.3B |
| 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INTUUSB
| Q4 25 | $3.5B | — | ||
| Q3 25 | $2.9B | — | ||
| Q2 25 | $5.4B | — | ||
| Q1 25 | $2.4B | — | ||
| Q4 24 | $2.9B | — | ||
| Q3 24 | $3.6B | — | ||
| Q2 24 | $4.2B | — | ||
| Q1 24 | $1.5B | — |
总债务INTUUSB
| 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 | — | ||
| Q1 24 | $6.0B | — |
股东权益INTUUSB
| Q4 25 | $19.3B | $65.2B | ||
| Q3 25 | $19.7B | $63.3B | ||
| Q2 25 | $20.1B | $61.4B | ||
| Q1 25 | $17.9B | $60.1B | ||
| Q4 24 | $18.1B | $58.6B | ||
| Q3 24 | $18.4B | $58.9B | ||
| Q2 24 | $18.8B | $56.4B | ||
| Q1 24 | $16.9B | $55.6B |
总资产INTUUSB
| Q4 25 | $33.2B | $692.3B | ||
| Q3 25 | $37.0B | $695.4B | ||
| Q2 25 | $36.6B | $686.4B | ||
| Q1 25 | $31.7B | $676.5B | ||
| Q4 24 | $33.2B | $678.3B | ||
| Q3 24 | $32.1B | $686.5B | ||
| Q2 24 | $31.6B | $680.1B | ||
| Q1 24 | $29.7B | $683.6B |
负债/权益比INTUUSB
| 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× | — | ||
| Q1 24 | 0.35× | — |
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 | $2.8B |
| 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× | 1.39× |
| 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INTUUSB
| Q4 25 | $637.0M | $2.8B | ||
| Q3 25 | $381.0M | $3.4B | ||
| Q2 25 | $4.4B | $2.0B | ||
| Q1 25 | $1.1B | $-285.0M | ||
| Q4 24 | $362.0M | $4.8B | ||
| Q3 24 | $417.0M | $972.0M | ||
| Q2 24 | $4.0B | $2.9B | ||
| Q1 24 | $613.0M | $2.7B |
自由现金流INTUUSB
| Q4 25 | $599.0M | — | ||
| Q3 25 | $366.0M | — | ||
| Q2 25 | $4.4B | — | ||
| Q1 25 | $1.0B | — | ||
| Q4 24 | $329.0M | — | ||
| Q3 24 | $400.0M | — | ||
| Q2 24 | $3.9B | — | ||
| Q1 24 | $550.0M | — |
自由现金流率INTUUSB
| Q4 25 | 15.4% | — | ||
| Q3 25 | 9.6% | — | ||
| Q2 25 | 56.2% | — | ||
| Q1 25 | 26.2% | — | ||
| Q4 24 | 10.0% | — | ||
| Q3 24 | 12.6% | — | ||
| Q2 24 | 57.7% | — | ||
| Q1 24 | 16.2% | — |
资本支出强度INTUUSB
| Q4 25 | 1.0% | — | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 1.0% | — | ||
| Q3 24 | 0.5% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 1.9% | — |
现金转化率INTUUSB
| Q4 25 | 1.43× | 1.39× | ||
| Q3 25 | 1.00× | 1.69× | ||
| Q2 25 | 1.56× | 1.12× | ||
| Q1 25 | 2.27× | -0.17× | ||
| Q4 24 | 1.84× | 2.87× | ||
| Q3 24 | — | 0.57× | ||
| Q2 24 | 1.65× | 1.79× | ||
| Q1 24 | 1.74× | 2.02× |
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% |
USB
暂无分部数据
