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TRINET GROUP, INC.（TNET）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
TRINET GROUP, INC.的季度营收约是UMB FINANCIAL CORP的1.7倍（$1.2B vs $739.2M），UMB FINANCIAL CORP同比增速更快（31.1% vs -2.2%），过去两年UMB FINANCIAL CORP的营收复合增速更高（73.7% vs -0.6%）
TriNet Group, Inc.是一家面向中小企业的专业雇主组织，总部位于加州都柏林，服务员工规模在3至2500人之间的各类机构。可提供薪资管理、健康福利管理服务，还能为客户提供劳动法规合规、风险降低相关咨询，可作为外包人力资源部门为企业分担人事相关事务。
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。
TNET vs UMBF — 直观对比
营收规模更大
TNET
是对方的1.7倍
$739.2M
营收增速更快
UMBF
高出33.3%
-2.2%
两年增速更快
UMBF
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.2B | $739.2M |
| 净利润 | — | $261.4M |
| 毛利率 | — | — |
| 营业利润率 | 0.1% | — |
| 净利率 | — | 35.4% |
| 营收同比 | -2.2% | 31.1% |
| 净利润同比 | — | 221.4% |
| 每股收益（稀释后） | $0.02 | $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TNETUMBF
| Q1 26 | — | $739.2M | ||
| Q4 25 | $1.2B | $522.5M | ||
| Q3 25 | $1.2B | $475.0M | ||
| Q2 25 | $1.2B | $467.0M | ||
| Q1 25 | $1.3B | $397.6M | ||
| Q4 24 | $1.3B | $269.0M | ||
| Q3 24 | $1.2B | $247.4M | ||
| Q2 24 | $1.2B | $245.1M |
净利润TNETUMBF
| Q1 26 | — | $261.4M | ||
| Q4 25 | — | $215.4M | ||
| Q3 25 | $34.0M | $188.3M | ||
| Q2 25 | $37.0M | $217.4M | ||
| Q1 25 | $85.0M | $81.3M | ||
| Q4 24 | — | $120.0M | ||
| Q3 24 | $45.0M | $109.6M | ||
| Q2 24 | $60.0M | $101.3M |
营业利润率TNETUMBF
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 51.7% | ||
| Q3 25 | 4.1% | 49.8% | ||
| Q2 25 | 4.1% | 58.9% | ||
| Q1 25 | 8.9% | 23.4% | ||
| Q4 24 | -2.9% | 53.8% | ||
| Q3 24 | 4.7% | 54.8% | ||
| Q2 24 | 6.5% | 51.8% |
净利率TNETUMBF
| Q1 26 | — | 35.4% | ||
| Q4 25 | — | 41.2% | ||
| Q3 25 | 2.8% | 39.6% | ||
| Q2 25 | 3.0% | 46.5% | ||
| Q1 25 | 6.6% | 20.5% | ||
| Q4 24 | — | 44.6% | ||
| Q3 24 | 3.6% | 44.3% | ||
| Q2 24 | 4.9% | 41.3% |
每股收益（稀释后）TNETUMBF
| Q1 26 | — | $3.35 | ||
| Q4 25 | $0.02 | $2.90 | ||
| Q3 25 | $0.70 | $2.36 | ||
| Q2 25 | $0.77 | $2.82 | ||
| Q1 25 | $1.71 | $1.21 | ||
| Q4 24 | $-0.44 | $2.44 | ||
| Q3 24 | $0.89 | $2.23 | ||
| Q2 24 | $1.20 | $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 | $287.0M | — |
| 总债务越低越好 | — | $477.2M |
| 股东权益账面价值 | $54.0M | $7.8B |
| 总资产 | $3.8B | $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TNETUMBF
| Q1 26 | — | — | ||
| Q4 25 | $287.0M | $7.8B | ||
| Q3 25 | $321.0M | $8.8B | ||
| Q2 25 | $407.0M | $11.0B | ||
| Q1 25 | $349.0M | $10.6B | ||
| Q4 24 | $360.0M | $8.4B | ||
| Q3 24 | $301.0M | $7.3B | ||
| Q2 24 | $249.0M | $5.0B |
总债务TNETUMBF
| 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TNETUMBF
| Q1 26 | — | $7.8B | ||
| Q4 25 | $54.0M | $7.7B | ||
| Q3 25 | $110.0M | $7.4B | ||
| Q2 25 | $107.0M | $7.3B | ||
| Q1 25 | $63.0M | $6.7B | ||
| Q4 24 | $69.0M | $3.5B | ||
| Q3 24 | $129.0M | $3.5B | ||
| Q2 24 | $100.0M | $3.2B |
总资产TNETUMBF
| Q1 26 | — | $72.7B | ||
| Q4 25 | $3.8B | $73.1B | ||
| Q3 25 | $3.4B | $71.9B | ||
| Q2 25 | $3.7B | $71.8B | ||
| Q1 25 | $3.8B | $69.3B | ||
| Q4 24 | $4.1B | $50.4B | ||
| Q3 24 | $3.7B | $47.5B | ||
| Q2 24 | $3.7B | $44.5B |
负债/权益比TNETUMBF
| 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 | $61.0M | — |
| 自由现金流经营现金流 - 资本支出 | $43.0M | — |
| 自由现金流率自由现金流/营收 | 3.4% | — |
| 资本支出强度资本支出/营收 | 1.4% | — |
| 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 | $234.0M | — |
8季度趋势，按日历期对齐
经营现金流TNETUMBF
| Q1 26 | — | — | ||
| Q4 25 | $61.0M | $106.1M | ||
| Q3 25 | $72.0M | $272.2M | ||
| Q2 25 | $75.0M | $285.4M | ||
| Q1 25 | $95.0M | $363.0M | ||
| Q4 24 | $65.0M | $-66.9M | ||
| Q3 24 | $84.0M | $123.6M | ||
| Q2 24 | $39.0M | $112.4M |
自由现金流TNETUMBF
| Q1 26 | — | — | ||
| Q4 25 | $43.0M | $95.3M | ||
| Q3 25 | $55.0M | $257.8M | ||
| Q2 25 | $57.0M | $270.8M | ||
| Q1 25 | $79.0M | $354.2M | ||
| Q4 24 | $47.0M | $-77.1M | ||
| Q3 24 | $59.0M | $117.7M | ||
| Q2 24 | $22.0M | $106.7M |
自由现金流率TNETUMBF
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 18.2% | ||
| Q3 25 | 4.5% | 54.3% | ||
| Q2 25 | 4.6% | 58.0% | ||
| Q1 25 | 6.1% | 89.1% | ||
| Q4 24 | 3.7% | -28.6% | ||
| Q3 24 | 4.8% | 47.6% | ||
| Q2 24 | 1.8% | 43.5% |
资本支出强度TNETUMBF
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 2.1% | ||
| Q3 25 | 1.4% | 3.0% | ||
| Q2 25 | 1.5% | 3.1% | ||
| Q1 25 | 1.2% | 2.2% | ||
| Q4 24 | 1.4% | 3.8% | ||
| Q3 24 | 2.0% | 2.4% | ||
| Q2 24 | 1.4% | 2.3% |
现金转化率TNETUMBF
| Q1 26 | — | — | ||
| Q4 25 | — | 0.49× | ||
| Q3 25 | 2.12× | 1.45× | ||
| Q2 25 | 2.03× | 1.31× | ||
| Q1 25 | 1.12× | 4.46× | ||
| Q4 24 | — | -0.56× | ||
| Q3 24 | 1.87× | 1.13× | ||
| Q2 24 | 0.65× | 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
TNET
| Insurance Services | $1.1B | 85% |
| Professional Services | $169.0M | 14% |
UMBF
暂无分部数据
