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Jack Henry & Associates（JKHY）与Ubiquiti Inc.（UI）财务数据对比。点击上方公司名可切换其他公司
Ubiquiti Inc.的季度营收约是Jack Henry & Associates的1.3倍（$814.9M vs $619.3M），Ubiquiti Inc.净利率更高（28.7% vs 20.1%，领先8.5%），Ubiquiti Inc.同比增速更快（35.8% vs 7.9%），Ubiquiti Inc.自由现金流更多（$260.3M vs $131.4M），过去两年Ubiquiti Inc.的营收复合增速更高（28.6% vs 7.2%）
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。
Ubiquiti Inc.是一家美国科技企业，2003年于加利福尼亚州圣何塞成立，目前总部位于纽约。公司旗下拥有多个品牌，主营面向企业及家庭用户的有线、无线数据通信产品的研发、生产与销售。
JKHY vs UI — 直观对比
营收规模更大
UI
是对方的1.3倍
$619.3M
营收增速更快
UI
高出27.9%
7.9%
净利率更高
UI
高出8.5%
20.1%
自由现金流更多
UI
多$128.8M
$131.4M
两年增速更快
UI
近两年复合增速
7.2%
损益表 — Q2 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $619.3M | $814.9M |
| 净利润 | $124.7M | $233.6M |
| 毛利率 | 43.3% | 45.9% |
| 营业利润率 | 25.7% | 35.9% |
| 净利率 | 20.1% | 28.7% |
| 营收同比 | 7.9% | 35.8% |
| 净利润同比 | 27.4% | 70.8% |
| 每股收益（稀释后） | $1.72 | $3.86 |
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JKHYUI
| Q4 25 | $619.3M | $814.9M | ||
| Q3 25 | $644.7M | $733.8M | ||
| Q2 25 | $615.4M | $759.2M | ||
| Q1 25 | $585.1M | $664.2M | ||
| Q4 24 | $573.8M | $599.9M | ||
| Q3 24 | $601.0M | $550.3M | ||
| Q2 24 | $559.9M | $507.5M | ||
| Q1 24 | $538.6M | $493.0M |
净利润JKHYUI
| Q4 25 | $124.7M | $233.6M | ||
| Q3 25 | $144.0M | $207.9M | ||
| Q2 25 | $127.6M | $266.7M | ||
| Q1 25 | $111.1M | $180.4M | ||
| Q4 24 | $97.8M | $136.8M | ||
| Q3 24 | $119.2M | $128.0M | ||
| Q2 24 | $101.1M | $103.8M | ||
| Q1 24 | $87.1M | $76.3M |
毛利率JKHYUI
| Q4 25 | 43.3% | 45.9% | ||
| Q3 25 | 45.9% | 46.0% | ||
| Q2 25 | 44.1% | 45.1% | ||
| Q1 25 | 41.8% | 44.5% | ||
| Q4 24 | 42.0% | 41.2% | ||
| Q3 24 | 42.9% | 42.1% | ||
| Q2 24 | 41.5% | 40.2% | ||
| Q1 24 | 39.1% | 35.3% |
营业利润率JKHYUI
| Q4 25 | 25.7% | 35.9% | ||
| Q3 25 | 28.5% | 35.7% | ||
| Q2 25 | 25.3% | 34.4% | ||
| Q1 25 | 23.7% | 34.2% | ||
| Q4 24 | 21.4% | 29.8% | ||
| Q3 24 | 25.2% | 30.7% | ||
| Q2 24 | 22.4% | 27.3% | ||
| Q1 24 | 20.8% | 22.6% |
净利率JKHYUI
| Q4 25 | 20.1% | 28.7% | ||
| Q3 25 | 22.3% | 28.3% | ||
| Q2 25 | 20.7% | 35.1% | ||
| Q1 25 | 19.0% | 27.2% | ||
| Q4 24 | 17.1% | 22.8% | ||
| Q3 24 | 19.8% | 23.3% | ||
| Q2 24 | 18.1% | 20.5% | ||
| Q1 24 | 16.2% | 15.5% |
每股收益（稀释后）JKHYUI
| Q4 25 | $1.72 | $3.86 | ||
| Q3 25 | $1.97 | $3.43 | ||
| Q2 25 | $1.75 | $4.40 | ||
| Q1 25 | $1.52 | $2.98 | ||
| Q4 24 | $1.34 | $2.26 | ||
| Q3 24 | $1.63 | $2.12 | ||
| Q2 24 | $1.39 | $1.72 | ||
| Q1 24 | $1.19 | $1.26 |
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 | $302.8M |
| 总债务越低越好 | — | $47.5M |
| 股东权益账面价值 | $2.2B | $1.0B |
| 总资产 | $3.1B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资JKHYUI
| Q4 25 | $28.2M | $302.8M | ||
| Q3 25 | $36.2M | $177.2M | ||
| Q2 25 | $102.0M | $149.7M | ||
| Q1 25 | $39.9M | $151.0M | ||
| Q4 24 | $25.7M | $133.1M | ||
| Q3 24 | $43.2M | $165.2M | ||
| Q2 24 | $38.3M | $126.3M | ||
| Q1 24 | $27.3M | $102.5M |
总债务JKHYUI
| Q4 25 | — | $47.5M | ||
| Q3 25 | — | $133.8M | ||
| Q2 25 | $0 | $250.0M | ||
| Q1 25 | — | $340.0M | ||
| Q4 24 | — | $406.3M | ||
| Q3 24 | — | $552.5M | ||
| Q2 24 | $60.0M | $708.1M | ||
| Q1 24 | $250.0M | $877.5M |
股东权益JKHYUI
| Q4 25 | $2.2B | $1.0B | ||
| Q3 25 | $2.2B | $828.4M | ||
| Q2 25 | $2.1B | $668.3M | ||
| Q1 25 | $2.0B | $436.1M | ||
| Q4 24 | $2.0B | $290.4M | ||
| Q3 24 | $1.9B | $188.1M | ||
| Q2 24 | $1.8B | $95.1M | ||
| Q1 24 | $1.8B | $25.9M |
总资产JKHYUI
| Q4 25 | $3.1B | $1.6B | ||
| Q3 25 | $3.0B | $1.5B | ||
| Q2 25 | $3.0B | $1.5B | ||
| Q1 25 | $2.9B | $1.3B | ||
| Q4 24 | $2.9B | $1.2B | ||
| Q3 24 | $2.9B | $1.2B | ||
| Q2 24 | $2.9B | $1.2B | ||
| Q1 24 | $2.8B | $1.2B |
负债/权益比JKHYUI
| Q4 25 | — | 0.05× | ||
| Q3 25 | — | 0.16× | ||
| Q2 25 | 0.00× | 0.37× | ||
| Q1 25 | — | 0.78× | ||
| Q4 24 | — | 1.40× | ||
| Q3 24 | — | 2.94× | ||
| Q2 24 | 0.03× | 7.45× | ||
| Q1 24 | 0.14× | 33.92× |
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 | $263.9M |
| 自由现金流经营现金流 - 资本支出 | $131.4M | $260.3M |
| 自由现金流率自由现金流/营收 | 21.2% | 31.9% |
| 资本支出强度资本支出/营收 | 3.4% | 0.4% |
| 现金转化率经营现金流/净利润 | 1.22× | 1.13× |
| 过去12个月自由现金流最近4个季度 | $654.2M | $699.5M |
8季度趋势，按日历期对齐
经营现金流JKHYUI
| Q4 25 | $152.7M | $263.9M | ||
| Q3 25 | $120.6M | $198.5M | ||
| Q2 25 | $327.1M | $130.4M | ||
| Q1 25 | $107.8M | $123.6M | ||
| Q4 24 | $89.6M | $152.4M | ||
| Q3 24 | $116.9M | $233.7M | ||
| Q2 24 | $231.8M | $231.4M | ||
| Q1 24 | $97.6M | $163.9M |
自由现金流JKHYUI
| Q4 25 | $131.4M | $260.3M | ||
| Q3 25 | $111.7M | $193.3M | ||
| Q2 25 | $314.9M | $125.2M | ||
| Q1 25 | $96.1M | $120.7M | ||
| Q4 24 | $73.0M | $150.4M | ||
| Q3 24 | $104.1M | $231.1M | ||
| Q2 24 | $208.0M | $229.5M | ||
| Q1 24 | $87.7M | $160.6M |
自由现金流率JKHYUI
| Q4 25 | 21.2% | 31.9% | ||
| Q3 25 | 17.3% | 26.3% | ||
| Q2 25 | 51.2% | 16.5% | ||
| Q1 25 | 16.4% | 18.2% | ||
| Q4 24 | 12.7% | 25.1% | ||
| Q3 24 | 17.3% | 42.0% | ||
| Q2 24 | 37.2% | 45.2% | ||
| Q1 24 | 16.3% | 32.6% |
资本支出强度JKHYUI
| Q4 25 | 3.4% | 0.4% | ||
| Q3 25 | 1.4% | 0.7% | ||
| Q2 25 | 2.0% | 0.7% | ||
| Q1 25 | 2.0% | 0.4% | ||
| Q4 24 | 2.9% | 0.3% | ||
| Q3 24 | 2.1% | 0.5% | ||
| Q2 24 | 4.2% | 0.4% | ||
| Q1 24 | 1.8% | 0.7% |
现金转化率JKHYUI
| Q4 25 | 1.22× | 1.13× | ||
| Q3 25 | 0.84× | 0.95× | ||
| Q2 25 | 2.56× | 0.49× | ||
| Q1 25 | 0.97× | 0.68× | ||
| Q4 24 | 0.92× | 1.11× | ||
| Q3 24 | 0.98× | 1.83× | ||
| Q2 24 | 2.29× | 2.23× | ||
| Q1 24 | 1.12× | 2.15× |
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% |
UI
| Enterprise Technology | $729.0M | 89% |
| Service Provider Technology | $85.9M | 11% |
