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ASSOCIATED BANC-CORP（ASB）与Sprinklr, Inc.（CXM）财务数据对比。点击上方公司名可切换其他公司
ASSOCIATED BANC-CORP的季度营收约是Sprinklr, Inc.的1.7倍（$383.0M vs $219.1M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 1.3%，领先29.9%），过去两年ASSOCIATED BANC-CORP的营收复合增速更高（9.1% vs 6.2%）
联合银行集团（Associated Banc-Corp）是美国区域性银行控股公司，总部位于威斯康星州格林贝，深耕美国中西部地区，主营零售银行、商业银行、商业地产贷款、私人银行及特色金融服务，在威斯康星州、伊利诺伊州、明尼苏达州设有220多个营业网点，覆盖100多个社区，还在印第安纳、密歇根等多州设有贷款办事处。
Sprinklr是美国的一家SaaS企业，专注于客户体验管理（CXM）平台研发。其同名产品整合了社媒营销、社交广告、内容管理、团队协作、员工倡导、客户服务、社媒调研与监测等多类应用模块，为企业提供全链路的客户体验管理解决方案。
ASB vs CXM — 直观对比
营收规模更大
ASB
是对方的1.7倍
$219.1M
净利率更高
ASB
高出29.9%
1.3%
两年增速更快
ASB
近两年复合增速
6.2%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $219.1M |
| 净利润 | $119.6M | $2.9M |
| 毛利率 | — | 66.4% |
| 营业利润率 | — | 5.3% |
| 净利率 | 31.2% | 1.3% |
| 营收同比 | — | 9.2% |
| 净利润同比 | 566.6% | -72.2% |
| 每股收益（稀释后） | $0.70 | $0.01 |
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ASBCXM
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $219.1M | ||
| Q3 25 | $305.2M | $212.0M | ||
| Q2 25 | $300.0M | $205.5M | ||
| Q1 25 | $285.9M | $202.5M | ||
| Q4 24 | $270.3M | $200.7M | ||
| Q3 24 | $329.7M | $197.2M | ||
| Q2 24 | $321.8M | $196.0M |
净利润ASBCXM
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $2.9M | ||
| Q3 25 | $124.7M | $12.6M | ||
| Q2 25 | $111.2M | $-1.6M | ||
| Q1 25 | $101.7M | $98.7M | ||
| Q4 24 | $-161.6M | $10.5M | ||
| Q3 24 | $88.0M | $1.8M | ||
| Q2 24 | $115.6M | $10.6M |
毛利率ASBCXM
| Q1 26 | — | — | ||
| Q4 25 | — | 66.4% | ||
| Q3 25 | — | 68.2% | ||
| Q2 25 | — | 69.5% | ||
| Q1 25 | — | 71.0% | ||
| Q4 24 | — | 71.2% | ||
| Q3 24 | — | 72.6% | ||
| Q2 24 | — | 73.9% |
营业利润率ASBCXM
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 5.3% | ||
| Q3 25 | 50.5% | 7.7% | ||
| Q2 25 | 46.5% | -0.9% | ||
| Q1 25 | 42.3% | 5.2% | ||
| Q4 24 | -65.8% | 3.9% | ||
| Q3 24 | 32.8% | -0.0% | ||
| Q2 24 | 32.0% | 2.9% |
净利率ASBCXM
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 1.3% | ||
| Q3 25 | 40.9% | 5.9% | ||
| Q2 25 | 37.1% | -0.8% | ||
| Q1 25 | 35.6% | 48.7% | ||
| Q4 24 | -59.8% | 5.2% | ||
| Q3 24 | 26.7% | 0.9% | ||
| Q2 24 | 35.9% | 5.4% |
每股收益（稀释后）ASBCXM
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.01 | ||
| Q3 25 | $0.73 | $0.05 | ||
| Q2 25 | $0.65 | $-0.01 | ||
| Q1 25 | $0.59 | $0.35 | ||
| Q4 24 | $-1.10 | $0.04 | ||
| Q3 24 | $0.56 | $0.01 | ||
| Q2 24 | $0.74 | $0.04 |
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 | — | $189.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.0B | $558.1M |
| 总资产 | $45.6B | $1.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ASBCXM
| Q1 26 | — | — | ||
| Q4 25 | — | $189.6M | ||
| Q3 25 | — | $125.4M | ||
| Q2 25 | — | $126.4M | ||
| Q1 25 | — | $145.3M | ||
| Q4 24 | — | $93.2M | ||
| Q3 24 | — | $119.1M | ||
| Q2 24 | — | $126.8M |
总债务ASBCXM
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | — | ||
| Q3 25 | $594.1M | — | ||
| Q2 25 | $593.5M | — | ||
| Q1 25 | $591.4M | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $844.3M | — | ||
| Q2 24 | $536.1M | — |
股东权益ASBCXM
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $558.1M | ||
| Q3 25 | $4.9B | $543.4M | ||
| Q2 25 | $4.8B | $639.8M | ||
| Q1 25 | $4.7B | $612.1M | ||
| Q4 24 | $4.6B | $497.0M | ||
| Q3 24 | $4.4B | $469.0M | ||
| Q2 24 | $4.2B | $610.9M |
总资产ASBCXM
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $1.1B | ||
| Q3 25 | $44.5B | $1.1B | ||
| Q2 25 | $44.0B | $1.2B | ||
| Q1 25 | $43.3B | $1.2B | ||
| Q4 24 | $43.0B | $970.3M | ||
| Q3 24 | $42.2B | $983.8M | ||
| Q2 24 | $41.6B | $1.1B |
负债/权益比ASBCXM
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | — | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.13× | — | ||
| Q4 24 | 0.31× | — | ||
| Q3 24 | 0.19× | — | ||
| Q2 24 | 0.13× | — |
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 | — | $20.0M |
| 自由现金流经营现金流 - 资本支出 | — | $19.8M |
| 自由现金流率自由现金流/营收 | — | 9.0% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | 6.87× |
| 过去12个月自由现金流最近4个季度 | — | $142.3M |
8季度趋势，按日历期对齐
经营现金流ASBCXM
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $20.0M | ||
| Q3 25 | $158.0M | $34.8M | ||
| Q2 25 | $141.5M | $83.8M | ||
| Q1 25 | $98.2M | $5.4M | ||
| Q4 24 | $207.1M | $9.2M | ||
| Q3 24 | $105.1M | $21.3M | ||
| Q2 24 | $113.5M | $41.7M |
自由现金流ASBCXM
| Q1 26 | — | — | ||
| Q4 25 | — | $19.8M | ||
| Q3 25 | — | $34.4M | ||
| Q2 25 | — | $83.5M | ||
| Q1 25 | — | $4.6M | ||
| Q4 24 | — | $8.2M | ||
| Q3 24 | — | $19.8M | ||
| Q2 24 | — | $39.2M |
自由现金流率ASBCXM
| Q1 26 | — | — | ||
| Q4 25 | — | 9.0% | ||
| Q3 25 | — | 16.2% | ||
| Q2 25 | — | 40.6% | ||
| Q1 25 | — | 2.3% | ||
| Q4 24 | — | 4.1% | ||
| Q3 24 | — | 10.1% | ||
| Q2 24 | — | 20.0% |
资本支出强度ASBCXM
| Q1 26 | — | — | ||
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 1.3% |
现金转化率ASBCXM
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 6.87× | ||
| Q3 25 | 1.27× | 2.76× | ||
| Q2 25 | 1.27× | — | ||
| Q1 25 | 0.97× | 0.05× | ||
| Q4 24 | — | 0.88× | ||
| Q3 24 | 1.19× | 11.58× | ||
| Q2 24 | 0.98× | 3.92× |
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
ASB
| Net Interest Income | $307.2M | 80% |
| Noninterest Income | $75.9M | 20% |
CXM
| License And Service | $190.3M | 87% |
| Professional Services | $28.8M | 13% |
