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CULLEN/FROST BANKERS, INC.（CFR）与UiPath, Inc.（PATH）财务数据对比。点击上方公司名可切换其他公司
CULLEN/FROST BANKERS, INC.的季度营收约是UiPath, Inc.的1.4倍（$580.9M vs $411.1M），UiPath, Inc.净利率更高（48.4% vs 28.6%，领先19.7%），UiPath, Inc.同比增速更快（15.9% vs 8.3%），CULLEN/FROST BANKERS, INC.自由现金流更多（$127.3M vs $25.1M），过去两年CULLEN/FROST BANKERS, INC.的营收复合增速更高（7.6% vs 0.7%）
Frost Bank是总部位于美国圣安东尼奥的德克萨斯州特许银行，为银行控股公司卡伦/弗罗斯特银行家集团的核心子公司。其在得克萨斯州共设有200家营业网点、1750台自动柜员机，按总资产规模统计位列全美前60大银行之列。
UiPath是一家全球化软件企业，专注于开发人工智能、智能自动化及流程编排类软件，其产品支持用户搭建与调度AI代理，实现复杂业务流程、工作流的自动化运行，助力各行业客户提升运营效率、降低人力成本。
CFR vs PATH — 直观对比
营收规模更大
CFR
是对方的1.4倍
$411.1M
营收增速更快
PATH
高出7.6%
8.3%
净利率更高
PATH
高出19.7%
28.6%
自由现金流更多
CFR
多$102.2M
$25.1M
两年增速更快
CFR
近两年复合增速
0.7%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $580.9M | $411.1M |
| 净利润 | $166.3M | $198.8M |
| 毛利率 | — | 83.3% |
| 营业利润率 | 34.1% | 3.2% |
| 净利率 | 28.6% | 48.4% |
| 营收同比 | 8.3% | 15.9% |
| 净利润同比 | 7.4% | 1966.2% |
| 每股收益（稀释后） | $2.56 | $0.37 |
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CFRPATH
| Q4 25 | $580.9M | $411.1M | ||
| Q3 25 | $567.3M | $361.7M | ||
| Q2 25 | $546.9M | $356.6M | ||
| Q1 25 | $540.2M | $423.6M | ||
| Q4 24 | $536.3M | $354.7M | ||
| Q3 24 | $518.0M | $316.3M | ||
| Q2 24 | $507.9M | $335.1M | ||
| Q1 24 | $501.4M | $405.3M |
净利润CFRPATH
| Q4 25 | $166.3M | $198.8M | ||
| Q3 25 | $174.4M | $1.6M | ||
| Q2 25 | $157.0M | $-22.6M | ||
| Q1 25 | $150.9M | $51.8M | ||
| Q4 24 | $154.9M | $-10.7M | ||
| Q3 24 | $146.5M | $-86.1M | ||
| Q2 24 | $145.5M | $-28.7M | ||
| Q1 24 | $135.7M | $33.9M |
毛利率CFRPATH
| Q4 25 | — | 83.3% | ||
| Q3 25 | — | 82.2% | ||
| Q2 25 | — | 82.1% | ||
| Q1 25 | — | 84.8% | ||
| Q4 24 | — | 82.0% | ||
| Q3 24 | — | 80.0% | ||
| Q2 24 | — | 83.5% | ||
| Q1 24 | — | 86.8% |
营业利润率CFRPATH
| Q4 25 | 34.1% | 3.2% | ||
| Q3 25 | 36.7% | -5.6% | ||
| Q2 25 | 34.1% | -4.6% | ||
| Q1 25 | 33.2% | 7.9% | ||
| Q4 24 | 34.3% | -12.2% | ||
| Q3 24 | 33.8% | -32.7% | ||
| Q2 24 | 34.5% | -14.8% | ||
| Q1 24 | 32.2% | 3.7% |
净利率CFRPATH
| Q4 25 | 28.6% | 48.4% | ||
| Q3 25 | 30.7% | 0.4% | ||
| Q2 25 | 28.7% | -6.3% | ||
| Q1 25 | 27.9% | 12.2% | ||
| Q4 24 | 28.9% | -3.0% | ||
| Q3 24 | 28.3% | -27.2% | ||
| Q2 24 | 28.6% | -8.6% | ||
| Q1 24 | 27.1% | 8.4% |
每股收益（稀释后）CFRPATH
| Q4 25 | $2.56 | $0.37 | ||
| Q3 25 | $2.67 | $0.00 | ||
| Q2 25 | $2.39 | $-0.04 | ||
| Q1 25 | $2.30 | $0.09 | ||
| Q4 24 | $2.36 | $-0.02 | ||
| Q3 24 | $2.24 | $-0.15 | ||
| Q2 24 | $2.21 | $-0.05 | ||
| Q1 24 | $2.06 | $0.07 |
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 | — | $1.4B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.6B | $1.9B |
| 总资产 | $53.0B | $2.9B |
| 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CFRPATH
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.6B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.9B | ||
| Q1 24 | — | $1.9B |
股东权益CFRPATH
| Q4 25 | $4.6B | $1.9B | ||
| Q3 25 | $4.5B | $1.7B | ||
| Q2 25 | $4.2B | $1.7B | ||
| Q1 25 | $4.1B | $1.8B | ||
| Q4 24 | $3.9B | $1.7B | ||
| Q3 24 | $4.1B | $1.8B | ||
| Q2 24 | $3.7B | $2.0B | ||
| Q1 24 | $3.6B | $2.0B |
总资产CFRPATH
| Q4 25 | $53.0B | $2.9B | ||
| Q3 25 | $52.5B | $2.6B | ||
| Q2 25 | $51.4B | $2.6B | ||
| Q1 25 | $52.0B | $2.9B | ||
| Q4 24 | $52.5B | $2.7B | ||
| Q3 24 | $51.0B | $2.7B | ||
| Q2 24 | $48.8B | $2.8B | ||
| Q1 24 | $49.5B | $3.0B |
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 | $274.0M | $28.3M |
| 自由现金流经营现金流 - 资本支出 | $127.3M | $25.1M |
| 自由现金流率自由现金流/营收 | 21.9% | 6.1% |
| 资本支出强度资本支出/营收 | 25.2% | 0.8% |
| 现金转化率经营现金流/净利润 | 1.65× | 0.14× |
| 过去12个月自由现金流最近4个季度 | $116.4M | — |
8季度趋势，按日历期对齐
经营现金流CFRPATH
| Q4 25 | $274.0M | $28.3M | ||
| Q3 25 | $248.6M | $41.6M | ||
| Q2 25 | $140.8M | $119.0M | ||
| Q1 25 | $-296.1M | $146.1M | ||
| Q4 24 | $989.5M | $28.1M | ||
| Q3 24 | $307.2M | $46.4M | ||
| Q2 24 | $129.6M | $100.0M | ||
| Q1 24 | $488.4M | $145.6M |
自由现金流CFRPATH
| Q4 25 | $127.3M | $25.1M | ||
| Q3 25 | $211.7M | — | ||
| Q2 25 | $114.5M | $106.2M | ||
| Q1 25 | $-337.1M | $138.7M | ||
| Q4 24 | $861.8M | $23.2M | ||
| Q3 24 | $281.9M | $45.0M | ||
| Q2 24 | $103.0M | $98.8M | ||
| Q1 24 | $450.3M | $141.8M |
自由现金流率CFRPATH
| Q4 25 | 21.9% | 6.1% | ||
| Q3 25 | 37.3% | — | ||
| Q2 25 | 20.9% | 29.8% | ||
| Q1 25 | -62.4% | 32.7% | ||
| Q4 24 | 160.7% | 6.5% | ||
| Q3 24 | 54.4% | 14.2% | ||
| Q2 24 | 20.3% | 29.5% | ||
| Q1 24 | 89.8% | 35.0% |
资本支出强度CFRPATH
| Q4 25 | 25.2% | 0.8% | ||
| Q3 25 | 6.5% | 0.0% | ||
| Q2 25 | 4.8% | 3.6% | ||
| Q1 25 | 7.6% | 1.7% | ||
| Q4 24 | 23.8% | 1.4% | ||
| Q3 24 | 4.9% | 0.4% | ||
| Q2 24 | 5.2% | 0.4% | ||
| Q1 24 | 7.6% | 0.9% |
现金转化率CFRPATH
| Q4 25 | 1.65× | 0.14× | ||
| Q3 25 | 1.43× | 26.25× | ||
| Q2 25 | 0.90× | — | ||
| Q1 25 | -1.96× | 2.82× | ||
| Q4 24 | 6.39× | — | ||
| Q3 24 | 2.10× | — | ||
| Q2 24 | 0.89× | — | ||
| Q1 24 | 3.60× | 4.29× |
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
CFR
暂无分部数据
PATH
| Subscription Services | $247.6M | 60% |
| License | $150.0M | 36% |
| Professional Services And Other | $13.5M | 3% |
