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ASSOCIATED BANC-CORP（ASB）与PERDOCEO EDUCATION Corp（PRDO）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PERDOCEO EDUCATION Corp的1.8倍（$383.0M vs $211.6M），过去两年PERDOCEO EDUCATION Corp的营收复合增速更高（12.2% 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。
Perdoceo Education是美国上市营利性教育集团，前身为职业教育公司（Career Education Corporation），旗下运营五所美国营利性大学，包括美国洲际大学、科罗拉多理工大学、南加利福尼亚大学、三叉戟国际大学及圣奥古斯丁健康科学大学，业务覆盖高等教育、职业教育及健康科学相关教育领域。
ASB vs PRDO — 直观对比
营收规模更大
ASB
是对方的1.8倍
$211.6M
两年增速更快
PRDO
近两年复合增速
9.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $383.0M | $211.6M |
| 净利润 | $119.6M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 19.8% |
| 净利率 | 31.2% | — |
| 营收同比 | — | 20.0% |
| 净利润同比 | 566.6% | — |
| 每股收益（稀释后） | $0.70 | $0.55 |
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ASBPRDO
| Q1 26 | $383.0M | — | ||
| Q4 25 | $310.0M | $211.6M | ||
| Q3 25 | $305.2M | $211.9M | ||
| Q2 25 | $300.0M | $209.6M | ||
| Q1 25 | $285.9M | $213.0M | ||
| Q4 24 | $270.3M | $176.4M | ||
| Q3 24 | $329.7M | $169.8M | ||
| Q2 24 | $321.8M | $166.7M |
净利润ASBPRDO
| Q1 26 | $119.6M | — | ||
| Q4 25 | $137.1M | — | ||
| Q3 25 | $124.7M | $39.9M | ||
| Q2 25 | $111.2M | $41.0M | ||
| Q1 25 | $101.7M | $43.7M | ||
| Q4 24 | $-161.6M | — | ||
| Q3 24 | $88.0M | $38.3M | ||
| Q2 24 | $115.6M | $38.4M |
营业利润率ASBPRDO
| Q1 26 | — | — | ||
| Q4 25 | 52.6% | 19.8% | ||
| Q3 25 | 50.5% | 24.1% | ||
| Q2 25 | 46.5% | 24.5% | ||
| Q1 25 | 42.3% | 24.3% | ||
| Q4 24 | -65.8% | 21.1% | ||
| Q3 24 | 32.8% | 26.4% | ||
| Q2 24 | 32.0% | 27.6% |
净利率ASBPRDO
| Q1 26 | 31.2% | — | ||
| Q4 25 | 44.2% | — | ||
| Q3 25 | 40.9% | 18.8% | ||
| Q2 25 | 37.1% | 19.6% | ||
| Q1 25 | 35.6% | 20.5% | ||
| Q4 24 | -59.8% | — | ||
| Q3 24 | 26.7% | 22.5% | ||
| Q2 24 | 35.9% | 23.0% |
每股收益（稀释后）ASBPRDO
| Q1 26 | $0.70 | — | ||
| Q4 25 | $0.80 | $0.55 | ||
| Q3 25 | $0.73 | $0.60 | ||
| Q2 25 | $0.65 | $0.62 | ||
| Q1 25 | $0.59 | $0.65 | ||
| Q4 24 | $-1.10 | $0.46 | ||
| Q3 24 | $0.56 | $0.57 | ||
| Q2 24 | $0.74 | $0.57 |
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 | — | $111.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.0B | $972.4M |
| 总资产 | $45.6B | $1.2B |
| 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ASBPRDO
| Q1 26 | — | — | ||
| Q4 25 | — | $111.0M | ||
| Q3 25 | — | $159.5M | ||
| Q2 25 | — | $172.1M | ||
| Q1 25 | — | $132.1M | ||
| Q4 24 | — | $109.1M | ||
| Q3 24 | — | $238.0M | ||
| Q2 24 | — | $127.9M |
总债务ASBPRDO
| 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ASBPRDO
| Q1 26 | $5.0B | — | ||
| Q4 25 | $5.0B | $972.4M | ||
| Q3 25 | $4.9B | $997.9M | ||
| Q2 25 | $4.8B | $984.6M | ||
| Q1 25 | $4.7B | $970.3M | ||
| Q4 24 | $4.6B | $959.5M | ||
| Q3 24 | $4.4B | $935.4M | ||
| Q2 24 | $4.2B | $899.5M |
总资产ASBPRDO
| Q1 26 | $45.6B | — | ||
| Q4 25 | $45.2B | $1.2B | ||
| Q3 25 | $44.5B | $1.3B | ||
| Q2 25 | $44.0B | $1.3B | ||
| Q1 25 | $43.3B | $1.3B | ||
| Q4 24 | $43.0B | $1.2B | ||
| Q3 24 | $42.2B | $1.1B | ||
| Q2 24 | $41.6B | $1.1B |
负债/权益比ASBPRDO
| 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 | — | $40.1M |
| 自由现金流经营现金流 - 资本支出 | — | $37.9M |
| 自由现金流率自由现金流/营收 | — | 17.9% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 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 | — | $216.7M |
8季度趋势，按日历期对齐
经营现金流ASBPRDO
| Q1 26 | — | — | ||
| Q4 25 | $218.1M | $40.1M | ||
| Q3 25 | $158.0M | $41.2M | ||
| Q2 25 | $141.5M | $78.8M | ||
| Q1 25 | $98.2M | $65.1M | ||
| Q4 24 | $207.1M | $17.6M | ||
| Q3 24 | $105.1M | $51.0M | ||
| Q2 24 | $113.5M | $38.5M |
自由现金流ASBPRDO
| Q1 26 | — | — | ||
| Q4 25 | — | $37.9M | ||
| Q3 25 | — | $39.4M | ||
| Q2 25 | — | $76.0M | ||
| Q1 25 | — | $63.4M | ||
| Q4 24 | — | $16.0M | ||
| Q3 24 | — | $50.0M | ||
| Q2 24 | — | $37.7M |
自由现金流率ASBPRDO
| Q1 26 | — | — | ||
| Q4 25 | — | 17.9% | ||
| Q3 25 | — | 18.6% | ||
| Q2 25 | — | 36.3% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | 29.4% | ||
| Q2 24 | — | 22.6% |
资本支出强度ASBPRDO
| Q1 26 | — | — | ||
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 1.3% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.5% |
现金转化率ASBPRDO
| Q1 26 | — | — | ||
| Q4 25 | 1.59× | — | ||
| Q3 25 | 1.27× | 1.03× | ||
| Q2 25 | 1.27× | 1.92× | ||
| Q1 25 | 0.97× | 1.49× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.19× | 1.33× | ||
| Q2 24 | 0.98× | 1.00× |
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% |
PRDO
| CTU | $107.0M | 51% |
| AIUS | $60.8M | 29% |
| University Of St Augustine For Health Sciences Llc | $43.7M | 21% |
| Other | $1.1M | 1% |
