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POPULAR, INC.（BPOP）与TRINET GROUP, INC.（TNET）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POPULAR, INC.的1.5倍（$1.2B vs $835.8M），过去两年POPULAR, INC.的营收复合增速更高（25.1% vs -0.6%）
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。
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。
BPOP vs TNET — 直观对比
营收规模更大
TNET
是对方的1.5倍
$835.8M
两年增速更快
BPOP
近两年复合增速
-0.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $835.8M | $1.2B |
| 净利润 | $245.7M | — |
| 毛利率 | — | — |
| 营业利润率 | 44.1% | 0.1% |
| 净利率 | 29.4% | — |
| 营收同比 | — | -2.2% |
| 净利润同比 | 38.4% | — |
| 每股收益（稀释后） | $3.78 | $0.02 |
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BPOPTNET
| Q1 26 | $835.8M | — | ||
| Q4 25 | $657.6M | $1.2B | ||
| Q3 25 | $646.5M | $1.2B | ||
| Q2 25 | $631.5M | $1.2B | ||
| Q1 25 | — | $1.3B | ||
| Q4 24 | $590.8M | $1.3B | ||
| Q3 24 | $572.5M | $1.2B | ||
| Q2 24 | $568.3M | $1.2B |
净利润BPOPTNET
| Q1 26 | $245.7M | — | ||
| Q4 25 | $233.9M | — | ||
| Q3 25 | $211.3M | $34.0M | ||
| Q2 25 | $210.4M | $37.0M | ||
| Q1 25 | — | $85.0M | ||
| Q4 24 | $177.8M | — | ||
| Q3 24 | $155.3M | $45.0M | ||
| Q2 24 | $177.8M | $60.0M |
营业利润率BPOPTNET
| Q1 26 | 44.1% | — | ||
| Q4 25 | 42.4% | 0.1% | ||
| Q3 25 | 38.2% | 4.1% | ||
| Q2 25 | 40.9% | 4.1% | ||
| Q1 25 | — | 8.9% | ||
| Q4 24 | 37.5% | -2.9% | ||
| Q3 24 | 34.5% | 4.7% | ||
| Q2 24 | 38.4% | 6.5% |
净利率BPOPTNET
| Q1 26 | 29.4% | — | ||
| Q4 25 | 35.6% | — | ||
| Q3 25 | 32.7% | 2.8% | ||
| Q2 25 | 33.3% | 3.0% | ||
| Q1 25 | — | 6.6% | ||
| Q4 24 | 30.1% | — | ||
| Q3 24 | 27.1% | 3.6% | ||
| Q2 24 | 31.3% | 4.9% |
每股收益（稀释后）BPOPTNET
| Q1 26 | $3.78 | — | ||
| Q4 25 | $3.51 | $0.02 | ||
| Q3 25 | $3.14 | $0.70 | ||
| Q2 25 | $3.09 | $0.77 | ||
| Q1 25 | — | $1.71 | ||
| Q4 24 | $2.51 | $-0.44 | ||
| Q3 24 | $2.16 | $0.89 | ||
| Q2 24 | $2.46 | $1.20 |
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 | $17.6M | — |
| 股东权益账面价值 | $6.3B | $54.0M |
| 总资产 | $76.1B | $3.8B |
| 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BPOPTNET
| Q1 26 | — | — | ||
| Q4 25 | — | $287.0M | ||
| Q3 25 | — | $321.0M | ||
| Q2 25 | — | $407.0M | ||
| Q1 25 | — | $349.0M | ||
| Q4 24 | — | $360.0M | ||
| Q3 24 | — | $301.0M | ||
| Q2 24 | — | $249.0M |
总债务BPOPTNET
| Q1 26 | $17.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益BPOPTNET
| Q1 26 | $6.3B | — | ||
| Q4 25 | $6.2B | $54.0M | ||
| Q3 25 | $6.1B | $110.0M | ||
| Q2 25 | $6.0B | $107.0M | ||
| Q1 25 | — | $63.0M | ||
| Q4 24 | $5.6B | $69.0M | ||
| Q3 24 | $5.8B | $129.0M | ||
| Q2 24 | $5.4B | $100.0M |
总资产BPOPTNET
| Q1 26 | $76.1B | — | ||
| Q4 25 | $75.3B | $3.8B | ||
| Q3 25 | $75.1B | $3.4B | ||
| Q2 25 | $76.1B | $3.7B | ||
| Q1 25 | — | $3.8B | ||
| Q4 24 | $73.0B | $4.1B | ||
| Q3 24 | $71.3B | $3.7B | ||
| Q2 24 | $72.8B | $3.7B |
负债/权益比BPOPTNET
| 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 | — | $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BPOPTNET
| Q1 26 | — | — | ||
| Q4 25 | $268.5M | $61.0M | ||
| Q3 25 | $195.0M | $72.0M | ||
| Q2 25 | $242.9M | $75.0M | ||
| Q1 25 | — | $95.0M | ||
| Q4 24 | $199.5M | $65.0M | ||
| Q3 24 | $233.2M | $84.0M | ||
| Q2 24 | $80.4M | $39.0M |
自由现金流BPOPTNET
| Q1 26 | — | — | ||
| Q4 25 | $221.1M | $43.0M | ||
| Q3 25 | $141.1M | $55.0M | ||
| Q2 25 | $198.3M | $57.0M | ||
| Q1 25 | — | $79.0M | ||
| Q4 24 | $139.2M | $47.0M | ||
| Q3 24 | $175.6M | $59.0M | ||
| Q2 24 | $38.9M | $22.0M |
自由现金流率BPOPTNET
| Q1 26 | — | — | ||
| Q4 25 | 33.6% | 3.4% | ||
| Q3 25 | 21.8% | 4.5% | ||
| Q2 25 | 31.4% | 4.6% | ||
| Q1 25 | — | 6.1% | ||
| Q4 24 | 23.6% | 3.7% | ||
| Q3 24 | 30.7% | 4.8% | ||
| Q2 24 | 6.8% | 1.8% |
资本支出强度BPOPTNET
| Q1 26 | — | — | ||
| Q4 25 | 7.2% | 1.4% | ||
| Q3 25 | 8.3% | 1.4% | ||
| Q2 25 | 7.1% | 1.5% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | 10.2% | 1.4% | ||
| Q3 24 | 10.1% | 2.0% | ||
| Q2 24 | 7.3% | 1.4% |
现金转化率BPOPTNET
| Q1 26 | — | — | ||
| Q4 25 | 1.15× | — | ||
| Q3 25 | 0.92× | 2.12× | ||
| Q2 25 | 1.15× | 2.03× | ||
| Q1 25 | — | 1.12× | ||
| Q4 24 | 1.12× | — | ||
| Q3 24 | 1.50× | 1.87× | ||
| Q2 24 | 0.45× | 0.65× |
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% |
TNET
| Insurance Services | $1.1B | 85% |
| Professional Services | $169.0M | 14% |
