vs
Jack Henry & Associates（JKHY）与威立（WLY）财务数据对比。点击上方公司名可切换其他公司
Jack Henry & Associates的季度营收约是威立的1.5倍（$619.3M vs $421.8M），Jack Henry & Associates净利率更高（20.1% vs 10.6%，领先9.5%），Jack Henry & Associates同比增速更快（7.9% vs -1.1%），Jack Henry & Associates自由现金流更多（$131.4M vs $-4.6M），过去两年Jack Henry & Associates的营收复合增速更高（7.2% vs -4.3%）
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。
约翰威立国际出版公司是美国跨国出版企业，1807年成立，专注于学术出版与教学资料发行。业务覆盖纸质和电子形式的图书、期刊、百科全书，同时面向本科生、研究生及继续教育群体提供线上产品与服务、培训材料和教育资源，在全球学术与教育出版领域拥有深厚积累。
JKHY vs WLY — 直观对比
营收规模更大
JKHY
是对方的1.5倍
$421.8M
营收增速更快
JKHY
高出9.1%
-1.1%
净利率更高
JKHY
高出9.5%
10.6%
自由现金流更多
JKHY
多$136.1M
$-4.6M
两年增速更快
JKHY
近两年复合增速
-4.3%
损益表 — Q2 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $619.3M | $421.8M |
| 净利润 | $124.7M | $44.9M |
| 毛利率 | 43.3% | 75.2% |
| 营业利润率 | 25.7% | 17.3% |
| 净利率 | 20.1% | 10.6% |
| 营收同比 | 7.9% | -1.1% |
| 净利润同比 | 27.4% | 11.0% |
| 每股收益（稀释后） | $1.72 | $0.84 |
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JKHYWLY
| Q4 25 | $619.3M | $421.8M | ||
| Q3 25 | $644.7M | $396.8M | ||
| Q2 25 | $615.4M | $442.6M | ||
| Q1 25 | $585.1M | $404.6M | ||
| Q4 24 | $573.8M | $426.6M | ||
| Q3 24 | $601.0M | $403.8M | ||
| Q2 24 | $559.9M | $468.5M | ||
| Q1 24 | $538.6M | $460.7M |
净利润JKHYWLY
| Q4 25 | $124.7M | $44.9M | ||
| Q3 25 | $144.0M | $11.7M | ||
| Q2 25 | $127.6M | $68.1M | ||
| Q1 25 | $111.1M | $-23.0M | ||
| Q4 24 | $97.8M | $40.5M | ||
| Q3 24 | $119.2M | $-1.4M | ||
| Q2 24 | $101.1M | $25.3M | ||
| Q1 24 | $87.1M | $-113.9M |
毛利率JKHYWLY
| Q4 25 | 43.3% | 75.2% | ||
| Q3 25 | 45.9% | 72.5% | ||
| Q2 25 | 44.1% | 74.9% | ||
| Q1 25 | 41.8% | 74.2% | ||
| Q4 24 | 42.0% | 74.9% | ||
| Q3 24 | 42.9% | 73.0% | ||
| Q2 24 | 41.5% | 73.7% | ||
| Q1 24 | 39.1% | 68.8% |
营业利润率JKHYWLY
| Q4 25 | 25.7% | 17.3% | ||
| Q3 25 | 28.5% | 7.8% | ||
| Q2 25 | 25.3% | 17.3% | ||
| Q1 25 | 23.7% | 12.8% | ||
| Q4 24 | 21.4% | 15.0% | ||
| Q3 24 | 25.2% | 7.2% | ||
| Q2 24 | 22.4% | 14.7% | ||
| Q1 24 | 20.8% | -10.1% |
净利率JKHYWLY
| Q4 25 | 20.1% | 10.6% | ||
| Q3 25 | 22.3% | 2.9% | ||
| Q2 25 | 20.7% | 15.4% | ||
| Q1 25 | 19.0% | -5.7% | ||
| Q4 24 | 17.1% | 9.5% | ||
| Q3 24 | 19.8% | -0.4% | ||
| Q2 24 | 18.1% | 5.4% | ||
| Q1 24 | 16.2% | -24.7% |
每股收益（稀释后）JKHYWLY
| Q4 25 | $1.72 | $0.84 | ||
| Q3 25 | $1.97 | $0.22 | ||
| Q2 25 | $1.75 | $1.25 | ||
| Q1 25 | $1.52 | $-0.43 | ||
| Q4 24 | $1.34 | $0.74 | ||
| Q3 24 | $1.63 | $-0.03 | ||
| Q2 24 | $1.39 | $0.45 | ||
| Q1 24 | $1.19 | $-2.08 |
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 | $67.4M |
| 总债务越低越好 | — | $871.7M |
| 股东权益账面价值 | $2.2B | $740.2M |
| 总资产 | $3.1B | $2.5B |
| 负债/权益比越低杠杆越低 | — | 1.18× |
8季度趋势，按日历期对齐
现金及短期投资JKHYWLY
| Q4 25 | $28.2M | $67.4M | ||
| Q3 25 | $36.2M | $81.8M | ||
| Q2 25 | $102.0M | $85.9M | ||
| Q1 25 | $39.9M | $104.5M | ||
| Q4 24 | $25.7M | $75.5M | ||
| Q3 24 | $43.2M | $82.5M | ||
| Q2 24 | $38.3M | $83.2M | ||
| Q1 24 | $27.3M | $93.1M |
总债务JKHYWLY
| Q4 25 | — | $871.7M | ||
| Q3 25 | — | $828.3M | ||
| Q2 25 | $0 | $799.4M | ||
| Q1 25 | — | $887.2M | ||
| Q4 24 | — | $961.0M | ||
| Q3 24 | — | $918.6M | ||
| Q2 24 | $60.0M | $774.6M | ||
| Q1 24 | $250.0M | $906.8M |
股东权益JKHYWLY
| Q4 25 | $2.2B | $740.2M | ||
| Q3 25 | $2.2B | $733.1M | ||
| Q2 25 | $2.1B | $752.2M | ||
| Q1 25 | $2.0B | $685.2M | ||
| Q4 24 | $2.0B | $755.3M | ||
| Q3 24 | $1.9B | $713.7M | ||
| Q2 24 | $1.8B | $739.7M | ||
| Q1 24 | $1.8B | $748.3M |
总资产JKHYWLY
| Q4 25 | $3.1B | $2.5B | ||
| Q3 25 | $3.0B | $2.5B | ||
| Q2 25 | $3.0B | $2.7B | ||
| Q1 25 | $2.9B | $2.6B | ||
| Q4 24 | $2.9B | $2.6B | ||
| Q3 24 | $2.9B | $2.7B | ||
| Q2 24 | $2.9B | $2.7B | ||
| Q1 24 | $2.8B | $2.7B |
负债/权益比JKHYWLY
| Q4 25 | — | 1.18× | ||
| Q3 25 | — | 1.13× | ||
| Q2 25 | 0.00× | 1.06× | ||
| Q1 25 | — | 1.29× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | — | 1.29× | ||
| Q2 24 | 0.03× | 1.05× | ||
| Q1 24 | 0.14× | 1.21× |
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 | $8.5M |
| 自由现金流经营现金流 - 资本支出 | $131.4M | $-4.6M |
| 自由现金流率自由现金流/营收 | 21.2% | -1.1% |
| 资本支出强度资本支出/营收 | 3.4% | 3.1% |
| 现金转化率经营现金流/净利润 | 1.22× | 0.19× |
| 过去12个月自由现金流最近4个季度 | $654.2M | $162.5M |
8季度趋势，按日历期对齐
经营现金流JKHYWLY
| Q4 25 | $152.7M | $8.5M | ||
| Q3 25 | $120.6M | $-85.0M | ||
| Q2 25 | $327.1M | $150.3M | ||
| Q1 25 | $107.8M | $146.2M | ||
| Q4 24 | $89.6M | $-5.3M | ||
| Q3 24 | $116.9M | $-88.7M | ||
| Q2 24 | $231.8M | $183.3M | ||
| Q1 24 | $97.6M | $107.8M |
自由现金流JKHYWLY
| Q4 25 | $131.4M | $-4.6M | ||
| Q3 25 | $111.7M | $-97.0M | ||
| Q2 25 | $314.9M | $131.2M | ||
| Q1 25 | $96.1M | $132.9M | ||
| Q4 24 | $73.0M | $-19.8M | ||
| Q3 24 | $104.1M | $-103.2M | ||
| Q2 24 | $208.0M | $164.5M | ||
| Q1 24 | $87.7M | $90.9M |
自由现金流率JKHYWLY
| Q4 25 | 21.2% | -1.1% | ||
| Q3 25 | 17.3% | -24.4% | ||
| Q2 25 | 51.2% | 29.6% | ||
| Q1 25 | 16.4% | 32.9% | ||
| Q4 24 | 12.7% | -4.6% | ||
| Q3 24 | 17.3% | -25.6% | ||
| Q2 24 | 37.2% | 35.1% | ||
| Q1 24 | 16.3% | 19.7% |
资本支出强度JKHYWLY
| Q4 25 | 3.4% | 3.1% | ||
| Q3 25 | 1.4% | 3.0% | ||
| Q2 25 | 2.0% | 4.3% | ||
| Q1 25 | 2.0% | 3.3% | ||
| Q4 24 | 2.9% | 3.4% | ||
| Q3 24 | 2.1% | 3.6% | ||
| Q2 24 | 4.2% | 4.0% | ||
| Q1 24 | 1.8% | 3.7% |
现金转化率JKHYWLY
| Q4 25 | 1.22× | 0.19× | ||
| Q3 25 | 0.84× | -7.27× | ||
| Q2 25 | 2.56× | 2.21× | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | 0.92× | -0.13× | ||
| Q3 24 | 0.98× | — | ||
| Q2 24 | 2.29× | 7.25× | ||
| Q1 24 | 1.12× | — |
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% |
WLY
| Research Publishing | $241.4M | 57% |
| Academic Products | $87.0M | 21% |
| Professional Products | $56.2M | 13% |
| Research Solutions | $37.1M | 9% |
