vs
ASSOCIATED BANC-CORP（ASB）与INTERPARFUMS INC（IPAR）财务数据对比。点击上方公司名可切换其他公司
INTERPARFUMS INC的季度营收约是ASSOCIATED BANC-CORP的1.0倍（$386.2M vs $383.0M），ASSOCIATED BANC-CORP净利率更高（31.2% vs 7.3%，领先24.0%），过去两年INTERPARFUMS INC的营收复合增速更高（9.2% vs 9.1%）
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。
Inter Parfums Inc是全球知名的高端香水企业，开发、生产并销售多款授权香水、身体护理及相关美妆产品，与多家顶级奢侈时尚生活方式品牌合作推出联名香氛系列，产品覆盖全球主要市场，通过百货、美妆专营店及官方电商渠道触达消费者。
ASB vs IPAR — 直观对比
营收规模更大
IPAR
是对方的1.0倍
$383.0M
净利率更高
ASB
高出24.0%
7.3%
两年增速更快
IPAR
近两年复合增速
9.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $386.2M |
| 净利润 | $119.6M | $28.1M |
| 毛利率 | — | 61.5% |
| 营业利润率 | — | 7.1% |
| 净利率 | 31.2% | 7.3% |
| 营收同比 | — | 6.8% |
| 净利润同比 | 566.6% | 16.0% |
| 每股收益（稀释后） | $0.70 | $0.88 |
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ASBIPAR
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $386.2M | ||
| Q3 25 | $305.2M | $429.6M | ||
| Q2 25 | $300.0M | $333.9M | ||
| Q1 25 | $285.9M | $338.8M | ||
| Q4 24 | $270.3M | $361.5M | ||
| Q3 24 | $329.7M | $424.6M | ||
| Q2 24 | $321.8M | $342.2M |
净利润ASBIPAR
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | $28.1M | ||
| Q3 25 | $124.7M | $65.8M | ||
| Q2 25 | $111.2M | $32.0M | ||
| Q1 25 | $101.7M | $42.5M | ||
| Q4 24 | $-161.6M | $24.2M | ||
| Q3 24 | $88.0M | $62.3M | ||
| Q2 24 | $115.6M | $36.8M |
毛利率ASBIPAR
| Q1 26 | — | — | ||
| Q4 25 | — | 61.5% | ||
| Q3 25 | — | 63.5% | ||
| Q2 25 | — | 66.2% | ||
| Q1 25 | — | 63.7% | ||
| Q4 24 | — | 64.5% | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 64.5% |
营业利润率ASBIPAR
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 7.1% | ||
| Q3 25 | 50.5% | 25.3% | ||
| Q2 25 | 46.5% | 17.7% | ||
| Q1 25 | 42.3% | 22.2% | ||
| Q4 24 | -65.8% | 10.0% | ||
| Q3 24 | 32.8% | 25.0% | ||
| Q2 24 | 32.0% | 18.9% |
净利率ASBIPAR
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | 7.3% | ||
| Q3 25 | 40.9% | 15.3% | ||
| Q2 25 | 37.1% | 9.6% | ||
| Q1 25 | 35.6% | 12.5% | ||
| Q4 24 | -59.8% | 6.7% | ||
| Q3 24 | 26.7% | 14.7% | ||
| Q2 24 | 35.9% | 10.8% |
每股收益（稀释后）ASBIPAR
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.88 | ||
| Q3 25 | $0.73 | $2.05 | ||
| Q2 25 | $0.65 | $0.99 | ||
| Q1 25 | $0.59 | $1.32 | ||
| Q4 24 | $-1.10 | $0.78 | ||
| Q3 24 | $0.56 | $1.93 | ||
| Q2 24 | $0.74 | $1.14 |
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 | — | $137.1M |
| 总债务越低越好 | — | $176.0M |
| 股东权益账面价值 | $5.0B | $880.7M |
| 总资产 | $45.6B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资ASBIPAR
| Q1 26 | — | — | ||
| Q4 25 | — | $137.1M | ||
| Q3 25 | — | $77.5M | ||
| Q2 25 | — | $53.9M | ||
| Q1 25 | — | $75.3M | ||
| Q4 24 | — | $109.3M | ||
| Q3 24 | — | $78.8M | ||
| Q2 24 | — | $37.7M |
总债务ASBIPAR
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $176.0M | ||
| Q3 25 | $594.1M | — | ||
| Q2 25 | $593.5M | — | ||
| Q1 25 | $591.4M | — | ||
| Q4 24 | $1.4B | $157.3M | ||
| Q3 24 | $844.3M | — | ||
| Q2 24 | $536.1M | — |
股东权益ASBIPAR
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $880.7M | ||
| Q3 25 | $4.9B | $870.9M | ||
| Q2 25 | $4.8B | $839.4M | ||
| Q1 25 | $4.7B | $788.6M | ||
| Q4 24 | $4.6B | $744.9M | ||
| Q3 24 | $4.4B | $778.5M | ||
| Q2 24 | $4.2B | $717.1M |
总资产ASBIPAR
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $1.6B | ||
| Q3 25 | $44.5B | $1.6B | ||
| Q2 25 | $44.0B | $1.6B | ||
| Q1 25 | $43.3B | $1.4B | ||
| Q4 24 | $43.0B | $1.4B | ||
| Q3 24 | $42.2B | $1.5B | ||
| Q2 24 | $41.6B | $1.4B |
负债/权益比ASBIPAR
| Q1 26 | — | — | ||
| Q4 25 | 0.20× | 0.20× | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.13× | — | ||
| Q4 24 | 0.31× | 0.21× | ||
| 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 | — | $146.5M |
| 自由现金流经营现金流 - 资本支出 | — | $145.0M |
| 自由现金流率自由现金流/营收 | — | 37.5% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | — | 5.21× |
| 过去12个月自由现金流最近4个季度 | — | $190.5M |
8季度趋势，按日历期对齐
经营现金流ASBIPAR
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $146.5M | ||
| Q3 25 | $158.0M | $63.9M | ||
| Q2 25 | $141.5M | $11.9M | ||
| Q1 25 | $98.2M | $-7.4M | ||
| Q4 24 | $207.1M | $138.0M | ||
| Q3 24 | $105.1M | $76.1M | ||
| Q2 24 | $113.5M | $25.5M |
自由现金流ASBIPAR
| Q1 26 | — | — | ||
| Q4 25 | — | $145.0M | ||
| Q3 25 | — | $57.6M | ||
| Q2 25 | — | $-3.3M | ||
| Q1 25 | — | $-8.8M | ||
| Q4 24 | — | $136.1M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $24.4M |
自由现金流率ASBIPAR
| Q1 26 | — | — | ||
| Q4 25 | — | 37.5% | ||
| Q3 25 | — | 13.4% | ||
| Q2 25 | — | -1.0% | ||
| Q1 25 | — | -2.6% | ||
| Q4 24 | — | 37.7% | ||
| Q3 24 | — | 17.8% | ||
| Q2 24 | — | 7.1% |
资本支出强度ASBIPAR
| Q1 26 | — | — | ||
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 4.5% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.3% |
现金转化率ASBIPAR
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | 5.21× | ||
| Q3 25 | 1.27× | 0.97× | ||
| Q2 25 | 1.27× | 0.37× | ||
| Q1 25 | 0.97× | -0.17× | ||
| Q4 24 | — | 5.69× | ||
| Q3 24 | 1.19× | 1.22× | ||
| Q2 24 | 0.98× | 0.69× |
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% |
IPAR
| European Based Operations | $232.7M | 60% |
| United States Based Operations | $155.2M | 40% |
