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IBEX Ltd（IBEX）与合众银行（OSBC）财务数据对比。点击上方公司名可切换其他公司
IBEX Ltd的季度营收约是合众银行的1.8倍（$164.2M vs $93.8M），合众银行净利率更高（27.3% vs 7.4%，领先19.8%），过去两年合众银行的营收复合增速更高（15.1% vs 13.8%）
IBEX 35是西班牙主要交易所马德里证券交易所的基准股票指数，该指数始创于1992年，由西班牙证券市场集团BME旗下的交易所公司负责计算与管理。它以市值加权编制，涵盖马德里证券交易所流动性最高的35只西班牙股票，每年进行两次成分股调整。
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，主营银行、投资、抵押等金融服务。
IBEX vs OSBC — 直观对比
营收规模更大
IBEX
是对方的1.8倍
$93.8M
净利率更高
OSBC
高出19.8%
7.4%
两年增速更快
OSBC
近两年复合增速
13.8%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $164.2M | $93.8M |
| 净利润 | $12.2M | $25.6M |
| 毛利率 | — | — |
| 营业利润率 | 9.3% | — |
| 净利率 | 7.4% | 27.3% |
| 营收同比 | 16.7% | — |
| 净利润同比 | 31.8% | 159.2% |
| 每股收益（稀释后） | $0.83 | $0.48 |
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IBEXOSBC
| Q1 26 | — | $93.8M | ||
| Q4 25 | $164.2M | $95.2M | ||
| Q3 25 | $151.2M | $95.9M | ||
| Q2 25 | $147.1M | $75.1M | ||
| Q1 25 | $140.7M | $73.1M | ||
| Q4 24 | $140.7M | $73.2M | ||
| Q3 24 | $129.7M | $71.2M | ||
| Q2 24 | $124.5M | $70.8M |
净利润IBEXOSBC
| Q1 26 | — | $25.6M | ||
| Q4 25 | $12.2M | — | ||
| Q3 25 | $12.0M | $9.9M | ||
| Q2 25 | $9.6M | $21.8M | ||
| Q1 25 | $10.5M | $19.8M | ||
| Q4 24 | $9.3M | — | ||
| Q3 24 | $7.5M | $23.0M | ||
| Q2 24 | $9.8M | $21.9M |
营业利润率IBEXOSBC
| Q1 26 | — | — | ||
| Q4 25 | 9.3% | 41.2% | ||
| Q3 25 | 9.1% | 13.6% | ||
| Q2 25 | 8.3% | 38.9% | ||
| Q1 25 | 9.5% | 35.8% | ||
| Q4 24 | 8.5% | 34.7% | ||
| Q3 24 | 7.0% | 41.9% | ||
| Q2 24 | 10.3% | 41.2% |
净利率IBEXOSBC
| Q1 26 | — | 27.3% | ||
| Q4 25 | 7.4% | — | ||
| Q3 25 | 8.0% | 10.3% | ||
| Q2 25 | 6.5% | 29.0% | ||
| Q1 25 | 7.4% | 27.1% | ||
| Q4 24 | 6.6% | — | ||
| Q3 24 | 5.8% | 32.3% | ||
| Q2 24 | 7.9% | 30.9% |
每股收益（稀释后）IBEXOSBC
| Q1 26 | — | $0.48 | ||
| Q4 25 | $0.83 | $0.53 | ||
| Q3 25 | $0.82 | $0.18 | ||
| Q2 25 | $0.63 | $0.48 | ||
| Q1 25 | $0.73 | $0.43 | ||
| Q4 24 | $0.57 | $0.42 | ||
| Q3 24 | $0.43 | $0.50 | ||
| Q2 24 | $0.55 | $0.48 |
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 | $15.5M | $115.7M |
| 总债务越低越好 | $594.0K | — |
| 股东权益账面价值 | $154.5M | $893.3M |
| 总资产 | $295.8M | $6.8B |
| 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IBEXOSBC
| Q1 26 | — | $115.7M | ||
| Q4 25 | $15.5M | $124.0M | ||
| Q3 25 | $22.7M | $116.5M | ||
| Q2 25 | $15.3M | $141.8M | ||
| Q1 25 | $13.0M | $256.1M | ||
| Q4 24 | $20.2M | $99.3M | ||
| Q3 24 | $62.3M | $115.8M | ||
| Q2 24 | $62.7M | $120.9M |
总债务IBEXOSBC
| Q1 26 | — | — | ||
| Q4 25 | $594.0K | — | ||
| Q3 25 | $726.0K | — | ||
| Q2 25 | $796.0K | — | ||
| Q1 25 | $735.0K | — | ||
| Q4 24 | $695.0K | — | ||
| Q3 24 | $802.0K | — | ||
| Q2 24 | $867.0K | — |
股东权益IBEXOSBC
| Q1 26 | — | $893.3M | ||
| Q4 25 | $154.5M | $896.8M | ||
| Q3 25 | $143.6M | $866.7M | ||
| Q2 25 | $134.3M | $718.6M | ||
| Q1 25 | $124.2M | $694.5M | ||
| Q4 24 | $108.9M | $671.0M | ||
| Q3 24 | $171.1M | $661.4M | ||
| Q2 24 | $165.8M | $619.3M |
总资产IBEXOSBC
| Q1 26 | — | $6.8B | ||
| Q4 25 | $295.8M | $6.9B | ||
| Q3 25 | $283.9M | $7.0B | ||
| Q2 25 | $273.2M | $5.7B | ||
| Q1 25 | $274.7M | $5.7B | ||
| Q4 24 | $272.5M | $5.6B | ||
| Q3 24 | $306.3M | $5.7B | ||
| Q2 24 | $293.9M | $5.7B |
负债/权益比IBEXOSBC
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.01× | — | ||
| Q2 25 | 0.01× | — | ||
| Q1 25 | 0.01× | — | ||
| Q4 24 | 0.01× | — | ||
| Q3 24 | 0.00× | — | ||
| Q2 24 | 0.01× | — |
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 | $6.6M | — |
| 自由现金流经营现金流 - 资本支出 | $-5.1M | — |
| 自由现金流率自由现金流/营收 | -3.1% | — |
| 资本支出强度资本支出/营收 | 7.1% | — |
| 现金转化率经营现金流/净利润 | 0.54× | — |
| 过去12个月自由现金流最近4个季度 | $29.3M | — |
8季度趋势，按日历期对齐
经营现金流IBEXOSBC
| Q1 26 | — | — | ||
| Q4 25 | $6.6M | $122.3M | ||
| Q3 25 | $15.7M | $35.9M | ||
| Q2 25 | $27.9M | $24.2M | ||
| Q1 25 | $8.8M | $17.8M | ||
| Q4 24 | $1.1M | $131.5M | ||
| Q3 24 | $7.8M | $48.5M | ||
| Q2 24 | $17.4M | $11.6M |
自由现金流IBEXOSBC
| Q1 26 | — | — | ||
| Q4 25 | $-5.1M | $117.8M | ||
| Q3 25 | $8.0M | $34.7M | ||
| Q2 25 | $22.8M | $23.5M | ||
| Q1 25 | $3.6M | $16.2M | ||
| Q4 24 | $-3.2M | $120.7M | ||
| Q3 24 | $4.1M | $46.2M | ||
| Q2 24 | $15.2M | $8.7M |
自由现金流率IBEXOSBC
| Q1 26 | — | — | ||
| Q4 25 | -3.1% | 123.7% | ||
| Q3 25 | 5.3% | 36.2% | ||
| Q2 25 | 15.5% | 31.2% | ||
| Q1 25 | 2.5% | 22.2% | ||
| Q4 24 | -2.3% | 165.0% | ||
| Q3 24 | 3.2% | 64.9% | ||
| Q2 24 | 12.2% | 12.3% |
资本支出强度IBEXOSBC
| Q1 26 | — | — | ||
| Q4 25 | 7.1% | 4.7% | ||
| Q3 25 | 5.1% | 1.3% | ||
| Q2 25 | 3.5% | 1.1% | ||
| Q1 25 | 3.7% | 2.2% | ||
| Q4 24 | 3.1% | 14.7% | ||
| Q3 24 | 2.8% | 3.3% | ||
| Q2 24 | 1.8% | 4.2% |
现金转化率IBEXOSBC
| Q1 26 | — | — | ||
| Q4 25 | 0.54× | — | ||
| Q3 25 | 1.30× | 3.64× | ||
| Q2 25 | 2.91× | 1.11× | ||
| Q1 25 | 0.84× | 0.90× | ||
| Q4 24 | 0.12× | — | ||
| Q3 24 | 1.03× | 2.11× | ||
| Q2 24 | 1.77× | 0.53× |
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
IBEX
| Transferred Over Time | $147.1M | 90% |
| Transferred At Point In Time | $17.1M | 10% |
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
