vs
ExlService Holdings, Inc.（EXLS）与PROSPERITY BANCSHARES INC（PB）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PROSPERITY BANCSHARES INC的1.5倍（$542.6M vs $367.6M），PROSPERITY BANCSHARES INC净利率更高（31.6% vs 11.1%，领先20.5%），过去两年PROSPERITY BANCSHARES INC的营收复合增速更高（19.2% 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。
Prosperity Bancshares Inc.是总部位于美国得克萨斯州休斯顿的银行控股公司，业务覆盖得克萨斯州及俄克拉荷马州中部。截至2019年12月31日，公司共运营285家分支机构，广泛分布在休斯顿、达拉斯-沃斯堡都会区及得州南部、东部、中部、西部等区域。
EXLS vs PB — 直观对比
营收规模更大
EXLS
是对方的1.5倍
$367.6M
净利率更高
PB
高出20.5%
11.1%
两年增速更快
PB
近两年复合增速
11.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $542.6M | $367.6M |
| 净利润 | $60.2M | $116.3M |
| 毛利率 | 38.6% | — |
| 营业利润率 | 14.4% | — |
| 净利率 | 11.1% | 31.6% |
| 营收同比 | 12.7% | — |
| 净利润同比 | 18.9% | -10.7% |
| 每股收益（稀释后） | $0.38 | $1.16 |
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EXLSPB
| Q1 26 | — | $367.6M | ||
| Q4 25 | $542.6M | $275.0M | ||
| Q3 25 | $529.6M | $273.4M | ||
| Q2 25 | $514.5M | $267.7M | ||
| Q1 25 | $501.0M | $265.4M | ||
| Q4 24 | $481.4M | $267.8M | ||
| Q3 24 | $472.1M | $261.7M | ||
| Q2 24 | $448.4M | $258.8M |
净利润EXLSPB
| Q1 26 | — | $116.3M | ||
| Q4 25 | $60.2M | $139.9M | ||
| Q3 25 | $58.2M | $137.6M | ||
| Q2 25 | $66.1M | $135.2M | ||
| Q1 25 | $66.6M | $130.2M | ||
| Q4 24 | $50.7M | $130.1M | ||
| Q3 24 | $53.0M | $127.3M | ||
| Q2 24 | $45.8M | $111.6M |
毛利率EXLSPB
| 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EXLSPB
| Q1 26 | — | — | ||
| Q4 25 | 14.4% | 65.1% | ||
| Q3 25 | 14.4% | 64.4% | ||
| Q2 25 | 15.8% | 64.3% | ||
| Q1 25 | 15.7% | 62.7% | ||
| Q4 24 | 14.8% | 62.0% | ||
| Q3 24 | 14.7% | 62.1% | ||
| Q2 24 | 13.7% | 55.2% |
净利率EXLSPB
| Q1 26 | — | 31.6% | ||
| Q4 25 | 11.1% | 50.9% | ||
| Q3 25 | 11.0% | 50.3% | ||
| Q2 25 | 12.8% | 50.5% | ||
| Q1 25 | 13.3% | 49.1% | ||
| Q4 24 | 10.5% | 48.6% | ||
| Q3 24 | 11.2% | 48.6% | ||
| Q2 24 | 10.2% | 43.1% |
每股收益（稀释后）EXLSPB
| Q1 26 | — | $1.16 | ||
| Q4 25 | $0.38 | $1.48 | ||
| Q3 25 | $0.36 | $1.45 | ||
| Q2 25 | $0.40 | $1.42 | ||
| Q1 25 | $0.40 | $1.37 | ||
| Q4 24 | $0.31 | $1.36 | ||
| Q3 24 | $0.33 | $1.34 | ||
| Q2 24 | $0.28 | $1.17 |
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 | — |
| 股东权益账面价值 | $912.7M | $8.2B |
| 总资产 | $1.7B | $43.6B |
| 负债/权益比越低杠杆越低 | 0.33× | — |
8季度趋势，按日历期对齐
现金及短期投资EXLSPB
| 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EXLSPB
| Q1 26 | — | — | ||
| Q4 25 | $298.6M | — | ||
| Q3 25 | $354.8M | — | ||
| Q2 25 | $260.0M | — | ||
| Q1 25 | $307.3M | — | ||
| Q4 24 | $288.5M | — | ||
| Q3 24 | $344.7M | — | ||
| Q2 24 | — | — |
股东权益EXLSPB
| Q1 26 | — | $8.2B | ||
| Q4 25 | $912.7M | $7.6B | ||
| Q3 25 | $952.4M | $7.7B | ||
| Q2 25 | $1.1B | $7.6B | ||
| Q1 25 | $1.0B | $7.5B | ||
| Q4 24 | $929.9M | $7.4B | ||
| Q3 24 | $907.6M | $7.4B | ||
| Q2 24 | $852.6M | $7.3B |
总资产EXLSPB
| Q1 26 | — | $43.6B | ||
| Q4 25 | $1.7B | $38.5B | ||
| Q3 25 | $1.7B | $38.3B | ||
| Q2 25 | $1.7B | $38.4B | ||
| Q1 25 | $1.7B | $38.8B | ||
| Q4 24 | $1.6B | $39.6B | ||
| Q3 24 | $1.6B | $40.1B | ||
| Q2 24 | $1.5B | $39.8B |
负债/权益比EXLSPB
| Q1 26 | — | — | ||
| Q4 25 | 0.33× | — | ||
| Q3 25 | 0.37× | — | ||
| Q2 25 | 0.25× | — | ||
| Q1 25 | 0.30× | — | ||
| Q4 24 | 0.31× | — | ||
| Q3 24 | 0.38× | — | ||
| 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 | $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EXLSPB
| Q1 26 | — | — | ||
| Q4 25 | $117.4M | $78.3M | ||
| Q3 25 | $120.7M | $194.8M | ||
| Q2 25 | $109.4M | $98.2M | ||
| Q1 25 | $3.2M | $178.2M | ||
| Q4 24 | $105.3M | $-205.8M | ||
| Q3 24 | $110.1M | $274.6M | ||
| Q2 24 | $74.9M | $216.5M |
自由现金流EXLSPB
| Q1 26 | — | — | ||
| Q4 25 | $106.5M | $68.5M | ||
| Q3 25 | $106.4M | $185.7M | ||
| Q2 25 | $95.0M | $91.8M | ||
| Q1 25 | $-9.7M | $171.1M | ||
| Q4 24 | $95.3M | $-210.7M | ||
| Q3 24 | $97.3M | $270.2M | ||
| Q2 24 | $62.8M | $211.8M |
自由现金流率EXLSPB
| Q1 26 | — | — | ||
| Q4 25 | 19.6% | 24.9% | ||
| Q3 25 | 20.1% | 67.9% | ||
| Q2 25 | 18.5% | 34.3% | ||
| Q1 25 | -1.9% | 64.5% | ||
| Q4 24 | 19.8% | -78.7% | ||
| Q3 24 | 20.6% | 103.3% | ||
| Q2 24 | 14.0% | 81.8% |
资本支出强度EXLSPB
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 3.6% | ||
| Q3 25 | 2.7% | 3.3% | ||
| Q2 25 | 2.8% | 2.4% | ||
| Q1 25 | 2.6% | 2.7% | ||
| Q4 24 | 2.1% | 1.8% | ||
| Q3 24 | 2.7% | 1.7% | ||
| Q2 24 | 2.7% | 1.8% |
现金转化率EXLSPB
| Q1 26 | — | — | ||
| Q4 25 | 1.95× | 0.56× | ||
| Q3 25 | 2.08× | 1.42× | ||
| Q2 25 | 1.66× | 0.73× | ||
| Q1 25 | 0.05× | 1.37× | ||
| Q4 24 | 2.08× | -1.58× | ||
| Q3 24 | 2.08× | 2.16× | ||
| Q2 24 | 1.63× | 1.94× |
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% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
