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ExlService Holdings, Inc.（EXLS）与FIRST FINANCIAL BANCORP（FFBC）财务数据对比。点击上方公司名可切换其他公司
ExlService Holdings, Inc.的季度营收约是FIRST FINANCIAL BANCORP的2.0倍（$542.6M vs $271.5M），FIRST FINANCIAL BANCORP净利率更高（27.4% vs 11.1%，领先16.3%），过去两年FIRST FINANCIAL BANCORP的营收复合增速更高（12.4% vs 11.5%）
ExlService Holdings Inc.是全球知名的分析与数字解决方案服务商，服务覆盖保险、医疗健康、银行金融服务、媒体、零售等多个行业，总部位于纽约，在美国、欧洲、亚洲、拉美、澳大利亚、南非等地拥有超过5.4万名专业从业人员。
第一金融银行集团是总部位于美国俄亥俄州辛辛那提的区域性银行，运营中心设于辛辛那提北郊斯普林代尔及印第安纳州格林斯堡。该行成立于1863年，拥有美国第六悠久的国家银行牌照，在俄亥俄、印第安纳、肯塔基、伊利诺伊四州共设有131个营业网点，2009年9月曾在政府协助下收购欧文金融公司及其子公司。
EXLS vs FFBC — 直观对比
营收规模更大
EXLS
是对方的2.0倍
$271.5M
净利率更高
FFBC
高出16.3%
11.1%
两年增速更快
FFBC
近两年复合增速
11.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $542.6M | $271.5M |
| 净利润 | $60.2M | $74.4M |
| 毛利率 | 38.6% | — |
| 营业利润率 | 14.4% | — |
| 净利率 | 11.1% | 27.4% |
| 营收同比 | 12.7% | — |
| 净利润同比 | 18.9% | — |
| 每股收益（稀释后） | $0.38 | $0.71 |
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EXLSFFBC
| Q1 26 | — | $271.5M | ||
| Q4 25 | $542.6M | $238.8M | ||
| Q3 25 | $529.6M | $234.0M | ||
| Q2 25 | $514.5M | $226.3M | ||
| Q1 25 | $501.0M | $200.4M | ||
| Q4 24 | $481.4M | $224.3M | ||
| Q3 24 | $472.1M | $201.3M | ||
| Q2 24 | $448.4M | $214.8M |
净利润EXLSFFBC
| Q1 26 | — | $74.4M | ||
| Q4 25 | $60.2M | — | ||
| Q3 25 | $58.2M | $71.9M | ||
| Q2 25 | $66.1M | $70.0M | ||
| Q1 25 | $66.6M | $51.3M | ||
| Q4 24 | $50.7M | — | ||
| Q3 24 | $53.0M | $52.5M | ||
| Q2 24 | $45.8M | $60.8M |
毛利率EXLSFFBC
| Q1 26 | — | — | ||
| Q4 25 | 38.6% | — | ||
| Q3 25 | 38.5% | — | ||
| Q2 25 | 37.7% | — | ||
| Q1 25 | 38.6% | — | ||
| Q4 24 | 38.1% | — | ||
| Q3 24 | 37.8% | — | ||
| Q2 24 | 37.1% | — |
营业利润率EXLSFFBC
| Q1 26 | — | — | ||
| Q4 25 | 14.4% | — | ||
| Q3 25 | 14.4% | 38.7% | ||
| Q2 25 | 15.8% | 38.8% | ||
| Q1 25 | 15.7% | 31.7% | ||
| Q4 24 | 14.8% | — | ||
| Q3 24 | 14.7% | 32.2% | ||
| Q2 24 | 13.7% | 34.8% |
净利率EXLSFFBC
| Q1 26 | — | 27.4% | ||
| Q4 25 | 11.1% | — | ||
| Q3 25 | 11.0% | 30.7% | ||
| Q2 25 | 12.8% | 30.9% | ||
| Q1 25 | 13.3% | 25.6% | ||
| Q4 24 | 10.5% | — | ||
| Q3 24 | 11.2% | 26.1% | ||
| Q2 24 | 10.2% | 28.3% |
每股收益（稀释后）EXLSFFBC
| Q1 26 | — | $0.71 | ||
| Q4 25 | $0.38 | $0.64 | ||
| Q3 25 | $0.36 | $0.75 | ||
| Q2 25 | $0.40 | $0.73 | ||
| Q1 25 | $0.40 | $0.54 | ||
| Q4 24 | $0.31 | $0.68 | ||
| Q3 24 | $0.33 | $0.55 | ||
| Q2 24 | $0.28 | $0.64 |
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 | $328.4M | — |
| 总债务越低越好 | $298.6M | $13.1M |
| 股东权益账面价值 | $912.7M | $2.9B |
| 总资产 | $1.7B | $22.5B |
| 负债/权益比越低杠杆越低 | 0.33× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资EXLSFFBC
| Q1 26 | — | — | ||
| Q4 25 | $328.4M | — | ||
| Q3 25 | $390.1M | — | ||
| Q2 25 | $353.3M | — | ||
| Q1 25 | $331.4M | — | ||
| Q4 24 | $340.6M | — | ||
| Q3 24 | $325.8M | — | ||
| Q2 24 | $276.1M | — |
总债务EXLSFFBC
| Q1 26 | — | $13.1M | ||
| Q4 25 | $298.6M | $514.1M | ||
| Q3 25 | $354.8M | $221.8M | ||
| Q2 25 | $260.0M | $345.0M | ||
| Q1 25 | $307.3M | $345.9M | ||
| Q4 24 | $288.5M | $347.5M | ||
| Q3 24 | $344.7M | $344.1M | ||
| Q2 24 | — | $338.6M |
股东权益EXLSFFBC
| Q1 26 | — | $2.9B | ||
| Q4 25 | $912.7M | $2.8B | ||
| Q3 25 | $952.4M | $2.6B | ||
| Q2 25 | $1.1B | $2.6B | ||
| Q1 25 | $1.0B | $2.5B | ||
| Q4 24 | $929.9M | $2.4B | ||
| Q3 24 | $907.6M | $2.5B | ||
| Q2 24 | $852.6M | $2.3B |
总资产EXLSFFBC
| Q1 26 | — | $22.5B | ||
| Q4 25 | $1.7B | $21.1B | ||
| Q3 25 | $1.7B | $18.6B | ||
| Q2 25 | $1.7B | $18.6B | ||
| Q1 25 | $1.7B | $18.5B | ||
| Q4 24 | $1.6B | $18.6B | ||
| Q3 24 | $1.6B | $18.1B | ||
| Q2 24 | $1.5B | $18.2B |
负债/权益比EXLSFFBC
| Q1 26 | — | 0.00× | ||
| Q4 25 | 0.33× | 0.19× | ||
| Q3 25 | 0.37× | 0.08× | ||
| Q2 25 | 0.25× | 0.13× | ||
| Q1 25 | 0.30× | 0.14× | ||
| Q4 24 | 0.31× | 0.14× | ||
| Q3 24 | 0.38× | 0.14× | ||
| Q2 24 | — | 0.15× |
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 | $117.4M | — |
| 自由现金流经营现金流 - 资本支出 | $106.5M | — |
| 自由现金流率自由现金流/营收 | 19.6% | — |
| 资本支出强度资本支出/营收 | 2.0% | — |
| 现金转化率经营现金流/净利润 | 1.95× | — |
| 过去12个月自由现金流最近4个季度 | $298.1M | — |
8季度趋势，按日历期对齐
经营现金流EXLSFFBC
| Q1 26 | — | — | ||
| Q4 25 | $117.4M | $337.9M | ||
| Q3 25 | $120.7M | $89.8M | ||
| Q2 25 | $109.4M | $69.8M | ||
| Q1 25 | $3.2M | $56.1M | ||
| Q4 24 | $105.3M | $262.2M | ||
| Q3 24 | $110.1M | $88.1M | ||
| Q2 24 | $74.9M | $68.1M |
自由现金流EXLSFFBC
| Q1 26 | — | — | ||
| Q4 25 | $106.5M | $317.1M | ||
| Q3 25 | $106.4M | $85.8M | ||
| Q2 25 | $95.0M | $64.8M | ||
| Q1 25 | $-9.7M | $52.4M | ||
| Q4 24 | $95.3M | $241.1M | ||
| Q3 24 | $97.3M | $84.4M | ||
| Q2 24 | $62.8M | $64.8M |
自由现金流率EXLSFFBC
| Q1 26 | — | — | ||
| Q4 25 | 19.6% | 132.8% | ||
| Q3 25 | 20.1% | 36.7% | ||
| Q2 25 | 18.5% | 28.6% | ||
| Q1 25 | -1.9% | 26.1% | ||
| Q4 24 | 19.8% | 107.5% | ||
| Q3 24 | 20.6% | 42.0% | ||
| Q2 24 | 14.0% | 30.2% |
资本支出强度EXLSFFBC
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 8.7% | ||
| Q3 25 | 2.7% | 1.7% | ||
| Q2 25 | 2.8% | 2.2% | ||
| Q1 25 | 2.6% | 1.9% | ||
| Q4 24 | 2.1% | 9.4% | ||
| Q3 24 | 2.7% | 1.8% | ||
| Q2 24 | 2.7% | 1.5% |
现金转化率EXLSFFBC
| Q1 26 | — | — | ||
| Q4 25 | 1.95× | — | ||
| Q3 25 | 2.08× | 1.25× | ||
| Q2 25 | 1.66× | 1.00× | ||
| Q1 25 | 0.05× | 1.09× | ||
| Q4 24 | 2.08× | — | ||
| Q3 24 | 2.08× | 1.68× | ||
| Q2 24 | 1.63× | 1.12× |
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
EXLS
| Insurance | $185.8M | 34% |
| Healthcare And Life Sciences | $142.2M | 26% |
| Banking Capital Markets And Diversified Industries | $122.6M | 23% |
| International Growth Markets | $92.0M | 17% |
FFBC
| Net Interest Income | $189.6M | 70% |
| Noninterest Income | $81.9M | 30% |
