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POPULAR, INC.（BPOP）与罗致恒富（RHI）财务数据对比。点击上方公司名可切换其他公司
罗致恒富的季度营收约是POPULAR, INC.的1.6倍（$1.3B vs $835.8M），过去两年POPULAR, INC.的营收复合增速更高（25.1% vs -6.1%）
Popular Inc.是波多黎各最大的金融服务集团，创立于1893年，总部位于首府圣胡安哈托雷伊商务区的黄金英里金融区。集团提供全方位金融服务，在波多黎各、美属及英属维尔京群岛以Banco Popular品牌运营，美国本土则使用Popular Bank品牌。
罗致恒富是1948年成立的国际人力资源咨询机构，总部位于加利福尼亚州门洛帕克和圣拉蒙，是全球规模领先的会计与金融领域人才派遣服务商之一，在全球范围内设有超过345个办公点。
BPOP vs RHI — 直观对比
营收规模更大
RHI
是对方的1.6倍
$835.8M
两年增速更快
BPOP
近两年复合增速
-6.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $835.8M | $1.3B |
| 净利润 | $245.7M | — |
| 毛利率 | — | 37.6% |
| 营业利润率 | — | 1.7% |
| 净利率 | 29.4% | — |
| 营收同比 | — | -5.8% |
| 净利润同比 | 38.4% | — |
| 每股收益（稀释后） | $3.78 | $0.32 |
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BPOPRHI
| Q1 26 | $835.8M | — | ||
| Q4 25 | $657.6M | $1.3B | ||
| Q3 25 | $646.5M | $1.4B | ||
| Q2 25 | $631.5M | $1.4B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | $590.8M | $1.4B | ||
| Q3 24 | $572.5M | $1.5B | ||
| Q2 24 | $568.3M | $1.5B |
净利润BPOPRHI
| Q1 26 | $245.7M | — | ||
| Q4 25 | $233.9M | — | ||
| Q3 25 | $211.3M | $42.9M | ||
| Q2 25 | $210.4M | $41.0M | ||
| Q1 25 | — | $17.4M | ||
| Q4 24 | $177.8M | — | ||
| Q3 24 | $155.3M | $65.5M | ||
| Q2 24 | $177.8M | $68.2M |
毛利率BPOPRHI
| Q1 26 | — | — | ||
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 37.2% | ||
| Q2 25 | — | 37.2% | ||
| Q1 25 | — | 36.9% | ||
| Q4 24 | — | 38.8% | ||
| Q3 24 | — | 39.0% | ||
| Q2 24 | — | 39.2% |
营业利润率BPOPRHI
| Q1 26 | — | — | ||
| Q4 25 | 42.4% | 1.7% | ||
| Q3 25 | 38.2% | 1.0% | ||
| Q2 25 | 40.9% | 0.1% | ||
| Q1 25 | — | 2.9% | ||
| Q4 24 | 37.5% | 4.7% | ||
| Q3 24 | 34.5% | 4.1% | ||
| Q2 24 | 38.4% | 5.1% |
净利率BPOPRHI
| Q1 26 | 29.4% | — | ||
| Q4 25 | 35.6% | — | ||
| Q3 25 | 32.7% | 3.2% | ||
| Q2 25 | 33.3% | 3.0% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | 30.1% | — | ||
| Q3 24 | 27.1% | 4.5% | ||
| Q2 24 | 31.3% | 4.6% |
每股收益（稀释后）BPOPRHI
| Q1 26 | $3.78 | — | ||
| Q4 25 | $3.51 | $0.32 | ||
| Q3 25 | $3.14 | $0.43 | ||
| Q2 25 | $3.09 | $0.41 | ||
| Q1 25 | — | $0.17 | ||
| Q4 24 | $2.51 | $0.53 | ||
| Q3 24 | $2.16 | $0.64 | ||
| Q2 24 | $2.46 | $0.66 |
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 | — | $464.4M |
| 总债务越低越好 | $17.6M | — |
| 股东权益账面价值 | $6.3B | $1.3B |
| 总资产 | $76.1B | $2.9B |
| 负债/权益比越低杠杆越低 | 0.00× | — |
8季度趋势，按日历期对齐
现金及短期投资BPOPRHI
| Q1 26 | — | — | ||
| Q4 25 | — | $464.4M | ||
| Q3 25 | — | $365.3M | ||
| Q2 25 | — | $380.5M | ||
| Q1 25 | — | $342.5M | ||
| Q4 24 | — | $537.6M | ||
| Q3 24 | — | $570.5M | ||
| Q2 24 | — | $547.4M |
总债务BPOPRHI
| Q1 26 | $17.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益BPOPRHI
| Q1 26 | $6.3B | — | ||
| Q4 25 | $6.2B | $1.3B | ||
| Q3 25 | $6.1B | $1.3B | ||
| Q2 25 | $6.0B | $1.3B | ||
| Q1 25 | — | $1.3B | ||
| Q4 24 | $5.6B | $1.4B | ||
| Q3 24 | $5.8B | $1.5B | ||
| Q2 24 | $5.4B | $1.5B |
总资产BPOPRHI
| Q1 26 | $76.1B | — | ||
| Q4 25 | $75.3B | $2.9B | ||
| Q3 25 | $75.1B | $2.8B | ||
| Q2 25 | $76.1B | $2.8B | ||
| Q1 25 | — | $2.7B | ||
| Q4 24 | $73.0B | $2.9B | ||
| Q3 24 | $71.3B | $3.0B | ||
| Q2 24 | $72.8B | $2.9B |
负债/权益比BPOPRHI
| Q1 26 | 0.00× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $182.5M |
| 自由现金流经营现金流 - 资本支出 | — | $170.8M |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 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 | — | $266.8M |
8季度趋势，按日历期对齐
经营现金流BPOPRHI
| Q1 26 | — | — | ||
| Q4 25 | $268.5M | $182.5M | ||
| Q3 25 | $195.0M | $77.4M | ||
| Q2 25 | $242.9M | $119.4M | ||
| Q1 25 | — | $-59.3M | ||
| Q4 24 | $199.5M | $154.8M | ||
| Q3 24 | $233.2M | $129.6M | ||
| Q2 24 | $80.4M | $142.0M |
自由现金流BPOPRHI
| Q1 26 | — | — | ||
| Q4 25 | $221.1M | $170.8M | ||
| Q3 25 | $141.1M | $63.6M | ||
| Q2 25 | $198.3M | $104.2M | ||
| Q1 25 | — | $-71.7M | ||
| Q4 24 | $139.2M | $140.5M | ||
| Q3 24 | $175.6M | $111.8M | ||
| Q2 24 | $38.9M | $129.6M |
自由现金流率BPOPRHI
| Q1 26 | — | — | ||
| Q4 25 | 33.6% | 13.1% | ||
| Q3 25 | 21.8% | 4.7% | ||
| Q2 25 | 31.4% | 7.6% | ||
| Q1 25 | — | -5.3% | ||
| Q4 24 | 23.6% | 10.2% | ||
| Q3 24 | 30.7% | 7.6% | ||
| Q2 24 | 6.8% | 8.8% |
资本支出强度BPOPRHI
| Q1 26 | — | — | ||
| Q4 25 | 7.2% | 0.9% | ||
| Q3 25 | 8.3% | 1.0% | ||
| Q2 25 | 7.1% | 1.1% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | 10.2% | 1.0% | ||
| Q3 24 | 10.1% | 1.2% | ||
| Q2 24 | 7.3% | 0.8% |
现金转化率BPOPRHI
| Q1 26 | — | — | ||
| Q4 25 | 1.15× | — | ||
| Q3 25 | 0.92× | 1.80× | ||
| Q2 25 | 1.15× | 2.91× | ||
| Q1 25 | — | -3.42× | ||
| Q4 24 | 1.12× | — | ||
| Q3 24 | 1.50× | 1.98× | ||
| Q2 24 | 0.45× | 2.08× |
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
BPOP
| Net Interest Income | $670.2M | 80% |
| Noninterest Income | $165.6M | 20% |
RHI
| Finance And Accounting | $535.2M | 41% |
| Protiviti | $479.0M | 37% |
| Technology | $156.4M | 12% |
| Permanent Placement Talent Solutions | $102.6M | 8% |
| Other | $29.2M | 2% |
