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ExlService Holdings, Inc.（EXLS）与RENASANT CORP（RNST）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RENASANT CORP的2.0倍（$542.6M vs $273.8M），RENASANT CORP净利率更高（32.2% vs 11.1%，领先21.1%），过去两年RENASANT CORP的营收复合增速更高（29.3% 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。
瑞耐桑特银行是美国密西西比州图珀洛的区域商业金融机构，母公司为瑞耐桑特公司，在阿拉巴马、佛罗里达、佐治亚、密西西比、路易斯安那、田纳西、北卡罗来纳、南卡罗来纳八州拥有280多家分支机构，旗下还运营内容平台“瑞耐桑特国度”，发布博客及节目内容。
EXLS vs RNST — 直观对比
营收规模更大
EXLS
是对方的2.0倍
$273.8M
净利率更高
RNST
高出21.1%
11.1%
两年增速更快
RNST
近两年复合增速
11.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $542.6M | $273.8M |
| 净利润 | $60.2M | $88.2M |
| 毛利率 | 38.6% | — |
| 营业利润率 | 14.4% | — |
| 净利率 | 11.1% | 32.2% |
| 营收同比 | 12.7% | — |
| 净利润同比 | 18.9% | 112.5% |
| 每股收益（稀释后） | $0.38 | $0.94 |
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EXLSRNST
| Q1 26 | — | $273.8M | ||
| Q4 25 | $542.6M | $278.4M | ||
| Q3 25 | $529.6M | $269.5M | ||
| Q2 25 | $514.5M | $267.2M | ||
| Q1 25 | $501.0M | $170.7M | ||
| Q4 24 | $481.4M | $167.1M | ||
| Q3 24 | $472.1M | $220.3M | ||
| Q2 24 | $448.4M | $163.8M |
净利润EXLSRNST
| Q1 26 | — | $88.2M | ||
| Q4 25 | $60.2M | $78.9M | ||
| Q3 25 | $58.2M | $59.8M | ||
| Q2 25 | $66.1M | $1.0M | ||
| Q1 25 | $66.6M | $41.5M | ||
| Q4 24 | $50.7M | $44.7M | ||
| Q3 24 | $53.0M | $72.5M | ||
| Q2 24 | $45.8M | $38.8M |
毛利率EXLSRNST
| 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EXLSRNST
| Q1 26 | — | — | ||
| Q4 25 | 14.4% | 34.8% | ||
| Q3 25 | 14.4% | 27.9% | ||
| Q2 25 | 15.8% | 1.0% | ||
| Q1 25 | 15.7% | 30.4% | ||
| Q4 24 | 14.8% | 29.8% | ||
| Q3 24 | 14.7% | 44.2% | ||
| Q2 24 | 13.7% | 29.6% |
净利率EXLSRNST
| Q1 26 | — | 32.2% | ||
| Q4 25 | 11.1% | 28.4% | ||
| Q3 25 | 11.0% | 22.2% | ||
| Q2 25 | 12.8% | 0.4% | ||
| Q1 25 | 13.3% | 24.3% | ||
| Q4 24 | 10.5% | 26.8% | ||
| Q3 24 | 11.2% | 32.9% | ||
| Q2 24 | 10.2% | 23.7% |
每股收益（稀释后）EXLSRNST
| Q1 26 | — | $0.94 | ||
| Q4 25 | $0.38 | $0.78 | ||
| Q3 25 | $0.36 | $0.63 | ||
| Q2 25 | $0.40 | $0.01 | ||
| Q1 25 | $0.40 | $0.65 | ||
| Q4 24 | $0.31 | $0.70 | ||
| Q3 24 | $0.33 | $1.18 | ||
| Q2 24 | $0.28 | $0.69 |
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 | $1.2B |
| 总债务越低越好 | $298.6M | $806.2M |
| 股东权益账面价值 | $912.7M | $3.9B |
| 总资产 | $1.7B | $27.1B |
| 负债/权益比越低杠杆越低 | 0.33× | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资EXLSRNST
| Q1 26 | — | $1.2B | ||
| Q4 25 | $328.4M | $1.1B | ||
| Q3 25 | $390.1M | $1.1B | ||
| Q2 25 | $353.3M | $1.4B | ||
| Q1 25 | $331.4M | $1.1B | ||
| Q4 24 | $340.6M | $1.1B | ||
| Q3 24 | $325.8M | $1.3B | ||
| Q2 24 | $276.1M | $851.9M |
总债务EXLSRNST
| Q1 26 | — | $806.2M | ||
| Q4 25 | $298.6M | $499.8M | ||
| Q3 25 | $354.8M | $558.9M | ||
| Q2 25 | $260.0M | $557.0M | ||
| Q1 25 | $307.3M | $433.3M | ||
| Q4 24 | $288.5M | $430.6M | ||
| Q3 24 | $344.7M | $433.2M | ||
| Q2 24 | — | $428.7M |
股东权益EXLSRNST
| Q1 26 | — | $3.9B | ||
| Q4 25 | $912.7M | $3.9B | ||
| Q3 25 | $952.4M | $3.8B | ||
| Q2 25 | $1.1B | $3.8B | ||
| Q1 25 | $1.0B | $2.7B | ||
| Q4 24 | $929.9M | $2.7B | ||
| Q3 24 | $907.6M | $2.7B | ||
| Q2 24 | $852.6M | $2.4B |
总资产EXLSRNST
| Q1 26 | — | $27.1B | ||
| Q4 25 | $1.7B | $26.8B | ||
| Q3 25 | $1.7B | $26.7B | ||
| Q2 25 | $1.7B | $26.6B | ||
| Q1 25 | $1.7B | $18.3B | ||
| Q4 24 | $1.6B | $18.0B | ||
| Q3 24 | $1.6B | $18.0B | ||
| Q2 24 | $1.5B | $17.5B |
负债/权益比EXLSRNST
| Q1 26 | — | 0.21× | ||
| Q4 25 | 0.33× | 0.13× | ||
| Q3 25 | 0.37× | 0.15× | ||
| Q2 25 | 0.25× | 0.15× | ||
| Q1 25 | 0.30× | 0.16× | ||
| Q4 24 | 0.31× | 0.16× | ||
| Q3 24 | 0.38× | 0.16× | ||
| Q2 24 | — | 0.18× |
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EXLSRNST
| Q1 26 | — | — | ||
| Q4 25 | $117.4M | $271.5M | ||
| Q3 25 | $120.7M | $135.5M | ||
| Q2 25 | $109.4M | $-77.3M | ||
| Q1 25 | $3.2M | $106.2M | ||
| Q4 24 | $105.3M | $106.4M | ||
| Q3 24 | $110.1M | $-1.7M | ||
| Q2 24 | $74.9M | $-49.1M |
自由现金流EXLSRNST
| Q1 26 | — | — | ||
| Q4 25 | $106.5M | $237.8M | ||
| Q3 25 | $106.4M | $120.1M | ||
| Q2 25 | $95.0M | $-87.5M | ||
| Q1 25 | $-9.7M | $101.3M | ||
| Q4 24 | $95.3M | $92.8M | ||
| Q3 24 | $97.3M | $-5.3M | ||
| Q2 24 | $62.8M | $-52.6M |
自由现金流率EXLSRNST
| Q1 26 | — | — | ||
| Q4 25 | 19.6% | 85.4% | ||
| Q3 25 | 20.1% | 44.6% | ||
| Q2 25 | 18.5% | -32.7% | ||
| Q1 25 | -1.9% | 59.4% | ||
| Q4 24 | 19.8% | 55.5% | ||
| Q3 24 | 20.6% | -2.4% | ||
| Q2 24 | 14.0% | -32.1% |
资本支出强度EXLSRNST
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 12.1% | ||
| Q3 25 | 2.7% | 5.7% | ||
| Q2 25 | 2.8% | 3.8% | ||
| Q1 25 | 2.6% | 2.8% | ||
| Q4 24 | 2.1% | 8.2% | ||
| Q3 24 | 2.7% | 1.6% | ||
| Q2 24 | 2.7% | 2.1% |
现金转化率EXLSRNST
| Q1 26 | — | — | ||
| Q4 25 | 1.95× | 3.44× | ||
| Q3 25 | 2.08× | 2.27× | ||
| Q2 25 | 1.66× | -75.92× | ||
| Q1 25 | 0.05× | 2.56× | ||
| Q4 24 | 2.08× | 2.38× | ||
| Q3 24 | 2.08× | -0.02× | ||
| Q2 24 | 1.63× | -1.26× |
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% |
RNST
| Net Interest Income | $223.6M | 82% |
| Noninterest Income | $50.3M | 18% |
