vs
Cloudflare, Inc.（NET）与UMB FINANCIAL CORP（UMBF）财务数据对比。点击上方公司名可切换其他公司
UMB FINANCIAL CORP的季度营收约是Cloudflare, Inc.的1.2倍（$739.2M vs $614.5M），UMB FINANCIAL CORP净利率更高（35.4% vs -2.0%，领先37.3%），Cloudflare, Inc.同比增速更快（33.6% vs 31.1%），过去两年UMB FINANCIAL CORP的营收复合增速更高（73.7% vs 27.4%）
Cloudflare是总部位于美国加利福尼亚州旧金山的科技企业，提供内容分发网络（CDN）、云网络安全、DDoS防护等多元互联网服务，同时是ICANN认证的域名注册商。其服务作为网站访客与客户托管服务商之间的反向代理，可有效提升访问性能，抵御恶意流量。
UMB金融集团是总部位于美国密苏里州堪萨斯城的金融服务机构，面向美国全境及爱尔兰的个人、企业与机构客户，提供多元化金融服务，涵盖支票、储蓄等存款产品，住房按揭、车贷、商贷、信用卡等信贷服务，以及投资与财富管理解决方案。
NET vs UMBF — 直观对比
营收规模更大
UMBF
是对方的1.2倍
$614.5M
营收增速更快
NET
高出2.5%
31.1%
净利率更高
UMBF
高出37.3%
-2.0%
两年增速更快
UMBF
近两年复合增速
27.4%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $614.5M | $739.2M |
| 净利润 | $-12.1M | $261.4M |
| 毛利率 | 73.6% | — |
| 营业利润率 | -8.0% | — |
| 净利率 | -2.0% | 35.4% |
| 营收同比 | 33.6% | 31.1% |
| 净利润同比 | 6.0% | 221.4% |
| 每股收益（稀释后） | $-0.03 | $3.35 |
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NETUMBF
| Q1 26 | — | $739.2M | ||
| Q4 25 | $614.5M | $522.5M | ||
| Q3 25 | $562.0M | $475.0M | ||
| Q2 25 | $512.3M | $467.0M | ||
| Q1 25 | $479.1M | $397.6M | ||
| Q4 24 | $459.9M | $269.0M | ||
| Q3 24 | $430.1M | $247.4M | ||
| Q2 24 | $401.0M | $245.1M |
净利润NETUMBF
| Q1 26 | — | $261.4M | ||
| Q4 25 | $-12.1M | $215.4M | ||
| Q3 25 | $-1.3M | $188.3M | ||
| Q2 25 | $-50.4M | $217.4M | ||
| Q1 25 | $-38.5M | $81.3M | ||
| Q4 24 | $-12.8M | $120.0M | ||
| Q3 24 | $-15.3M | $109.6M | ||
| Q2 24 | $-15.1M | $101.3M |
毛利率NETUMBF
| Q1 26 | — | — | ||
| Q4 25 | 73.6% | — | ||
| Q3 25 | 74.0% | — | ||
| Q2 25 | 74.9% | — | ||
| Q1 25 | 75.9% | — | ||
| Q4 24 | 76.4% | — | ||
| Q3 24 | 77.7% | — | ||
| Q2 24 | 77.8% | — |
营业利润率NETUMBF
| Q1 26 | — | — | ||
| Q4 25 | -8.0% | 51.7% | ||
| Q3 25 | -6.7% | 49.8% | ||
| Q2 25 | -13.1% | 58.9% | ||
| Q1 25 | -11.1% | 23.4% | ||
| Q4 24 | -7.5% | 53.8% | ||
| Q3 24 | -7.2% | 54.8% | ||
| Q2 24 | -8.7% | 51.8% |
净利率NETUMBF
| Q1 26 | — | 35.4% | ||
| Q4 25 | -2.0% | 41.2% | ||
| Q3 25 | -0.2% | 39.6% | ||
| Q2 25 | -9.8% | 46.5% | ||
| Q1 25 | -8.0% | 20.5% | ||
| Q4 24 | -2.8% | 44.6% | ||
| Q3 24 | -3.6% | 44.3% | ||
| Q2 24 | -3.8% | 41.3% |
每股收益（稀释后）NETUMBF
| Q1 26 | — | $3.35 | ||
| Q4 25 | $-0.03 | $2.90 | ||
| Q3 25 | $0.00 | $2.36 | ||
| Q2 25 | $-0.15 | $2.82 | ||
| Q1 25 | $-0.11 | $1.21 | ||
| Q4 24 | $-0.05 | $2.44 | ||
| Q3 24 | $-0.04 | $2.23 | ||
| Q2 24 | $-0.04 | $2.07 |
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 | $943.5M | — |
| 总债务越低越好 | — | $477.2M |
| 股东权益账面价值 | $1.5B | $7.8B |
| 总资产 | $6.0B | $72.7B |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资NETUMBF
| Q1 26 | — | — | ||
| Q4 25 | $943.5M | $7.8B | ||
| Q3 25 | $1.1B | $8.8B | ||
| Q2 25 | $1.5B | $11.0B | ||
| Q1 25 | $204.5M | $10.6B | ||
| Q4 24 | $147.7M | $8.4B | ||
| Q3 24 | $182.9M | $7.3B | ||
| Q2 24 | $157.0M | $5.0B |
总债务NETUMBF
| Q1 26 | — | $477.2M | ||
| Q4 25 | — | $474.2M | ||
| Q3 25 | — | $471.3M | ||
| Q2 25 | — | $657.3M | ||
| Q1 25 | — | $654.4M | ||
| Q4 24 | — | $385.3M | ||
| Q3 24 | — | $384.8M | ||
| Q2 24 | — | $384.2M |
股东权益NETUMBF
| Q1 26 | — | $7.8B | ||
| Q4 25 | $1.5B | $7.7B | ||
| Q3 25 | $1.3B | $7.4B | ||
| Q2 25 | $1.2B | $7.3B | ||
| Q1 25 | $1.4B | $6.7B | ||
| Q4 24 | $1.0B | $3.5B | ||
| Q3 24 | $973.1M | $3.5B | ||
| Q2 24 | $881.5M | $3.2B |
总资产NETUMBF
| Q1 26 | — | $72.7B | ||
| Q4 25 | $6.0B | $73.1B | ||
| Q3 25 | $5.8B | $71.9B | ||
| Q2 25 | $5.6B | $71.8B | ||
| Q1 25 | $3.7B | $69.3B | ||
| Q4 24 | $3.3B | $50.4B | ||
| Q3 24 | $3.1B | $47.5B | ||
| Q2 24 | $2.9B | $44.5B |
负债/权益比NETUMBF
| Q1 26 | — | 0.06× | ||
| Q4 25 | — | 0.06× | ||
| Q3 25 | — | 0.06× | ||
| Q2 25 | — | 0.09× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.11× | ||
| Q3 24 | — | 0.11× | ||
| Q2 24 | — | 0.12× |
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 | $190.4M | — |
| 自由现金流经营现金流 - 资本支出 | $105.2M | — |
| 自由现金流率自由现金流/营收 | 17.1% | — |
| 资本支出强度资本支出/营收 | 13.9% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $287.5M | — |
8季度趋势，按日历期对齐
经营现金流NETUMBF
| Q1 26 | — | — | ||
| Q4 25 | $190.4M | $106.1M | ||
| Q3 25 | $167.1M | $272.2M | ||
| Q2 25 | $99.8M | $285.4M | ||
| Q1 25 | $145.8M | $363.0M | ||
| Q4 24 | $127.3M | $-66.9M | ||
| Q3 24 | $104.7M | $123.6M | ||
| Q2 24 | $74.8M | $112.4M |
自由现金流NETUMBF
| Q1 26 | — | — | ||
| Q4 25 | $105.2M | $95.3M | ||
| Q3 25 | $82.5M | $257.8M | ||
| Q2 25 | $39.9M | $270.8M | ||
| Q1 25 | $59.9M | $354.2M | ||
| Q4 24 | $54.2M | $-77.1M | ||
| Q3 24 | $54.5M | $117.7M | ||
| Q2 24 | $45.2M | $106.7M |
自由现金流率NETUMBF
| Q1 26 | — | — | ||
| Q4 25 | 17.1% | 18.2% | ||
| Q3 25 | 14.7% | 54.3% | ||
| Q2 25 | 7.8% | 58.0% | ||
| Q1 25 | 12.5% | 89.1% | ||
| Q4 24 | 11.8% | -28.6% | ||
| Q3 24 | 12.7% | 47.6% | ||
| Q2 24 | 11.3% | 43.5% |
资本支出强度NETUMBF
| Q1 26 | — | — | ||
| Q4 25 | 13.9% | 2.1% | ||
| Q3 25 | 15.1% | 3.0% | ||
| Q2 25 | 11.7% | 3.1% | ||
| Q1 25 | 17.9% | 2.2% | ||
| Q4 24 | 15.9% | 3.8% | ||
| Q3 24 | 11.7% | 2.4% | ||
| Q2 24 | 7.4% | 2.3% |
现金转化率NETUMBF
| Q1 26 | — | — | ||
| Q4 25 | — | 0.49× | ||
| Q3 25 | — | 1.45× | ||
| Q2 25 | — | 1.31× | ||
| Q1 25 | — | 4.46× | ||
| Q4 24 | — | -0.56× | ||
| Q3 24 | — | 1.13× | ||
| Q2 24 | — | 1.11× |
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
NET
| Sales Channel Directly To Consumer | $438.5M | 71% |
| Sales Channel Through Intermediary | $176.0M | 29% |
UMBF
暂无分部数据
