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Jack Henry & Associates（JKHY）与利氏兄弟拍卖行（RBA）财务数据对比。点击上方公司名可切换其他公司
利氏兄弟拍卖行的季度营收约是Jack Henry & Associates的1.9倍（$1.2B vs $619.3M），Jack Henry & Associates净利率更高（20.1% vs 9.1%，领先11.0%），Jack Henry & Associates同比增速更快（7.9% vs 5.4%），利氏兄弟拍卖行自由现金流更多（$186.5M vs $131.4M），过去两年Jack Henry & Associates的营收复合增速更高（7.2% vs 6.3%）
Jack Henry & Associates是1976年成立的美国专业金融科技企业，主要面向社区银行、信用合作社等中小型金融机构提供金融科技及支付处理解决方案，同时帮助区域银行与信用合作社管控风险、完成合规申报，优化升级线上银行业务相关服务。
利氏兄弟拍卖行（股票代码RBA）是全球知名的工业资产拍卖服务商，注册地位于加拿大，属公开上市企业，总部设在美国伊利诺伊州韦斯特切斯特，普通股同时在多伦多证券交易所与纽约证券交易所挂牌交易。
JKHY vs RBA — 直观对比
营收规模更大
RBA
是对方的1.9倍
$619.3M
营收增速更快
JKHY
高出2.5%
5.4%
净利率更高
JKHY
高出11.0%
9.1%
自由现金流更多
RBA
多$55.1M
$131.4M
两年增速更快
JKHY
近两年复合增速
6.3%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $619.3M | $1.2B |
| 净利润 | $124.7M | $109.7M |
| 毛利率 | 43.3% | — |
| 营业利润率 | 25.7% | 14.7% |
| 净利率 | 20.1% | 9.1% |
| 营收同比 | 7.9% | 5.4% |
| 净利润同比 | 27.4% | -7.4% |
| 每股收益（稀释后） | $1.72 | $0.53 |
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JKHYRBA
| Q4 25 | $619.3M | $1.2B | ||
| Q3 25 | $644.7M | $1.1B | ||
| Q2 25 | $615.4M | $1.2B | ||
| Q1 25 | $585.1M | $1.1B | ||
| Q4 24 | $573.8M | $1.1B | ||
| Q3 24 | $601.0M | $981.8M | ||
| Q2 24 | $559.9M | $1.1B | ||
| Q1 24 | $538.6M | $1.1B |
净利润JKHYRBA
| Q4 25 | $124.7M | $109.7M | ||
| Q3 25 | $144.0M | $95.5M | ||
| Q2 25 | $127.6M | $109.8M | ||
| Q1 25 | $111.1M | $113.4M | ||
| Q4 24 | $97.8M | $118.5M | ||
| Q3 24 | $119.2M | $76.1M | ||
| Q2 24 | $101.1M | $111.1M | ||
| Q1 24 | $87.1M | $107.4M |
毛利率JKHYRBA
| Q4 25 | 43.3% | — | ||
| Q3 25 | 45.9% | — | ||
| Q2 25 | 44.1% | — | ||
| Q1 25 | 41.8% | — | ||
| Q4 24 | 42.0% | — | ||
| Q3 24 | 42.9% | — | ||
| Q2 24 | 41.5% | — | ||
| Q1 24 | 39.1% | — |
营业利润率JKHYRBA
| Q4 25 | 25.7% | 14.7% | ||
| Q3 25 | 28.5% | 14.5% | ||
| Q2 25 | 25.3% | 15.9% | ||
| Q1 25 | 23.7% | 17.1% | ||
| Q4 24 | 21.4% | 18.1% | ||
| Q3 24 | 25.2% | 15.6% | ||
| Q2 24 | 22.4% | 18.4% | ||
| Q1 24 | 20.8% | 18.7% |
净利率JKHYRBA
| Q4 25 | 20.1% | 9.1% | ||
| Q3 25 | 22.3% | 8.7% | ||
| Q2 25 | 20.7% | 9.3% | ||
| Q1 25 | 19.0% | 10.2% | ||
| Q4 24 | 17.1% | 10.4% | ||
| Q3 24 | 19.8% | 7.8% | ||
| Q2 24 | 18.1% | 10.1% | ||
| Q1 24 | 16.2% | 10.1% |
每股收益（稀释后）JKHYRBA
| Q4 25 | $1.72 | $0.53 | ||
| Q3 25 | $1.97 | $0.43 | ||
| Q2 25 | $1.75 | $0.53 | ||
| Q1 25 | $1.52 | $0.55 | ||
| Q4 24 | $1.34 | $0.58 | ||
| Q3 24 | $1.63 | $0.36 | ||
| Q2 24 | $1.39 | $0.54 | ||
| Q1 24 | $1.19 | $0.53 |
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 | $28.2M | $531.5M |
| 总债务越低越好 | — | $2.3B |
| 股东权益账面价值 | $2.2B | $5.6B |
| 总资产 | $3.1B | $12.1B |
| 负债/权益比越低杠杆越低 | — | 0.42× |
8季度趋势，按日历期对齐
现金及短期投资JKHYRBA
| Q4 25 | $28.2M | $531.5M | ||
| Q3 25 | $36.2M | $674.7M | ||
| Q2 25 | $102.0M | $710.2M | ||
| Q1 25 | $39.9M | $578.1M | ||
| Q4 24 | $25.7M | $533.9M | ||
| Q3 24 | $43.2M | $650.7M | ||
| Q2 24 | $38.3M | $599.5M | ||
| Q1 24 | $27.3M | $462.8M |
总债务JKHYRBA
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $2.6B | ||
| Q2 25 | $0 | $2.6B | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $2.6B | ||
| Q3 24 | — | $2.7B | ||
| Q2 24 | $60.0M | $2.8B | ||
| Q1 24 | $250.0M | $2.9B |
股东权益JKHYRBA
| Q4 25 | $2.2B | $5.6B | ||
| Q3 25 | $2.2B | $5.5B | ||
| Q2 25 | $2.1B | $5.5B | ||
| Q1 25 | $2.0B | $5.3B | ||
| Q4 24 | $2.0B | $5.2B | ||
| Q3 24 | $1.9B | $5.2B | ||
| Q2 24 | $1.8B | $5.2B | ||
| Q1 24 | $1.8B | $5.1B |
总资产JKHYRBA
| Q4 25 | $3.1B | $12.1B | ||
| Q3 25 | $3.0B | $12.2B | ||
| Q2 25 | $3.0B | $12.2B | ||
| Q1 25 | $2.9B | $11.9B | ||
| Q4 24 | $2.9B | $11.8B | ||
| Q3 24 | $2.9B | $11.9B | ||
| Q2 24 | $2.9B | $12.1B | ||
| Q1 24 | $2.8B | $12.0B |
负债/权益比JKHYRBA
| Q4 25 | — | 0.42× | ||
| Q3 25 | — | 0.47× | ||
| Q2 25 | 0.00× | 0.47× | ||
| Q1 25 | — | 0.50× | ||
| Q4 24 | — | 0.50× | ||
| Q3 24 | — | 0.52× | ||
| Q2 24 | 0.03× | 0.55× | ||
| Q1 24 | 0.14× | 0.58× |
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 | $152.7M | $255.2M |
| 自由现金流经营现金流 - 资本支出 | $131.4M | $186.5M |
| 自由现金流率自由现金流/营收 | 21.2% | 15.5% |
| 资本支出强度资本支出/营收 | 3.4% | 5.7% |
| 现金转化率经营现金流/净利润 | 1.22× | 2.33× |
| 过去12个月自由现金流最近4个季度 | $654.2M | $719.2M |
8季度趋势，按日历期对齐
经营现金流JKHYRBA
| Q4 25 | $152.7M | $255.2M | ||
| Q3 25 | $120.6M | $239.7M | ||
| Q2 25 | $327.1M | $326.5M | ||
| Q1 25 | $107.8M | $156.8M | ||
| Q4 24 | $89.6M | $184.5M | ||
| Q3 24 | $116.9M | $285.4M | ||
| Q2 24 | $231.8M | $337.3M | ||
| Q1 24 | $97.6M | $124.8M |
自由现金流JKHYRBA
| Q4 25 | $131.4M | $186.5M | ||
| Q3 25 | $111.7M | $188.5M | ||
| Q2 25 | $314.9M | $241.7M | ||
| Q1 25 | $96.1M | $102.5M | ||
| Q4 24 | $73.0M | $127.9M | ||
| Q3 24 | $104.1M | $248.5M | ||
| Q2 24 | $208.0M | $308.6M | ||
| Q1 24 | $87.7M | $79.6M |
自由现金流率JKHYRBA
| Q4 25 | 21.2% | 15.5% | ||
| Q3 25 | 17.3% | 17.3% | ||
| Q2 25 | 51.2% | 20.4% | ||
| Q1 25 | 16.4% | 9.2% | ||
| Q4 24 | 12.7% | 11.2% | ||
| Q3 24 | 17.3% | 25.3% | ||
| Q2 24 | 37.2% | 28.2% | ||
| Q1 24 | 16.3% | 7.5% |
资本支出强度JKHYRBA
| Q4 25 | 3.4% | 5.7% | ||
| Q3 25 | 1.4% | 4.7% | ||
| Q2 25 | 2.0% | 7.2% | ||
| Q1 25 | 2.0% | 4.9% | ||
| Q4 24 | 2.9% | 5.0% | ||
| Q3 24 | 2.1% | 3.8% | ||
| Q2 24 | 4.2% | 2.6% | ||
| Q1 24 | 1.8% | 4.2% |
现金转化率JKHYRBA
| Q4 25 | 1.22× | 2.33× | ||
| Q3 25 | 0.84× | 2.51× | ||
| Q2 25 | 2.56× | 2.97× | ||
| Q1 25 | 0.97× | 1.38× | ||
| Q4 24 | 0.92× | 1.56× | ||
| Q3 24 | 0.98× | 3.75× | ||
| Q2 24 | 2.29× | 3.04× | ||
| Q1 24 | 1.12× | 1.16× |
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
JKHY
| Processing | $273.5M | 44% |
| Private Public Cloud | $202.7M | 33% |
| On Premise Support | $79.0M | 13% |
| Product Deliveryand Service | $64.1M | 10% |
RBA
| Buyer Revenue | $577.2M | 48% |
| Seller Revenue | $255.2M | 21% |
| CA | $199.0M | 17% |
| Other | $124.7M | 10% |
| AU | $47.3M | 4% |
