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INTERNATIONAL BANCSHARES CORP（IBOC）与LifeStance Health Group, Inc.（LFST）财务数据对比。点击上方公司名可切换其他公司
LifeStance Health Group, Inc.的季度营收约是INTERNATIONAL BANCSHARES CORP的1.8倍（$382.2M vs $217.7M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs 3.1%，领先59.3%），LifeStance Health Group, Inc.同比增速更快（17.4% vs 4.5%），INTERNATIONAL BANCSHARES CORP自由现金流更多（$472.9M vs $46.6M），过去两年LifeStance Health Group, Inc.的营收复合增速更高（12.8% vs 2.8%）
国际银行股份公司（International Bancshares Corporation）是总部位于美国得克萨斯州拉雷多的银行控股公司，核心子公司为国际商业银行。目前集团通过旗下银行子公司运营217个营业网点、315台自动柜员机，服务覆盖得克萨斯州、俄克拉荷马州的88个城镇社区。
LifeStance Health Group是美国的门诊行为健康服务提供商，支持线下面诊与远程诊疗两种服务模式，业务涵盖心理咨询、精神科诊疗、经颅磁刺激（TMS）以及氯胺酮治疗等。该公司曾多次因劳动违规、客户信息泄露及误导投资者相关问题遭遇诉讼。
IBOC vs LFST — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $217.7M | $382.2M |
| 净利润 | $106.9M | $11.7M |
| 毛利率 | — | — |
| 营业利润率 | 62.8% | 4.7% |
| 净利率 | 62.3% | 3.1% |
| 营收同比 | 4.5% | 17.4% |
| 净利润同比 | -7.1% | 264.1% |
| 每股收益（稀释后） | $1.71 | — |
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
| Q4 25 | $217.7M | $382.2M | ||
| Q3 25 | $218.1M | $363.8M | ||
| Q2 25 | $208.2M | $345.3M | ||
| Q1 25 | $198.2M | $333.0M | ||
| Q4 24 | $208.3M | $325.5M | ||
| Q3 24 | $211.8M | $312.7M | ||
| Q2 24 | $207.8M | $312.3M | ||
| Q1 24 | $205.8M | $300.4M |
| Q4 25 | $106.9M | $11.7M | ||
| Q3 25 | $108.4M | $1.1M | ||
| Q2 25 | $100.1M | $-3.8M | ||
| Q1 25 | $96.9M | $709.0K | ||
| Q4 24 | $115.1M | $-7.1M | ||
| Q3 24 | $99.8M | $-6.0M | ||
| Q2 24 | $97.0M | $-23.3M | ||
| Q1 24 | $97.3M | $-21.1M |
| Q4 25 | 62.8% | 4.7% | ||
| Q3 25 | 62.6% | 2.0% | ||
| Q2 25 | 60.5% | -0.9% | ||
| Q1 25 | 61.1% | 0.5% | ||
| Q4 24 | 64.2% | 0.3% | ||
| Q3 24 | 60.0% | 0.0% | ||
| Q2 24 | 60.1% | -5.1% | ||
| Q1 24 | 59.9% | -5.6% |
| Q4 25 | 62.3% | 3.1% | ||
| Q3 25 | 49.7% | 0.3% | ||
| Q2 25 | 48.1% | -1.1% | ||
| Q1 25 | 48.9% | 0.2% | ||
| Q4 24 | 71.5% | -2.2% | ||
| Q3 24 | 47.1% | -1.9% | ||
| Q2 24 | 46.7% | -7.5% | ||
| Q1 24 | 47.3% | -7.0% |
| Q4 25 | $1.71 | — | ||
| Q3 25 | $1.74 | — | ||
| Q2 25 | $1.61 | — | ||
| Q1 25 | $1.56 | — | ||
| Q4 24 | $1.85 | — | ||
| Q3 24 | $1.60 | — | ||
| Q2 24 | $1.56 | — | ||
| Q1 24 | $1.56 | — |
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 | $5.5B | $248.6M |
| 总债务越低越好 | — | $282.8M |
| 股东权益账面价值 | $3.3B | $1.5B |
| 总资产 | $16.6B | $2.2B |
| 负债/权益比越低杠杆越低 | — | 0.19× |
8季度趋势，按日历期对齐
| Q4 25 | $5.5B | $248.6M | ||
| Q3 25 | $5.6B | $203.9M | ||
| Q2 25 | $5.8B | $188.9M | ||
| Q1 25 | $5.6B | $134.3M | ||
| Q4 24 | $5.4B | $154.6M | ||
| Q3 24 | $5.8B | $102.6M | ||
| Q2 24 | $5.7B | $87.0M | ||
| Q1 24 | $5.7B | $49.5M |
| Q4 25 | — | $282.8M | ||
| Q3 25 | — | $284.6M | ||
| Q2 25 | — | $286.4M | ||
| Q1 25 | — | $288.2M | ||
| Q4 24 | — | $290.0M | ||
| Q3 24 | — | $287.3M | ||
| Q2 24 | — | $288.0M | ||
| Q1 24 | — | $288.8M |
| Q4 25 | $3.3B | $1.5B | ||
| Q3 25 | $3.1B | $1.5B | ||
| Q2 25 | $3.0B | $1.5B | ||
| Q1 25 | $2.9B | $1.5B | ||
| Q4 24 | $2.8B | $1.4B | ||
| Q3 24 | $2.7B | $1.4B | ||
| Q2 24 | $2.6B | $1.4B | ||
| Q1 24 | $2.5B | $1.4B |
| Q4 25 | $16.6B | $2.2B | ||
| Q3 25 | $16.6B | $2.1B | ||
| Q2 25 | $16.5B | $2.1B | ||
| Q1 25 | $16.3B | $2.1B | ||
| Q4 24 | $15.7B | $2.1B | ||
| Q3 24 | $15.9B | $2.1B | ||
| Q2 24 | $15.5B | $2.1B | ||
| Q1 24 | $15.4B | $2.1B |
| Q4 25 | — | 0.19× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.20× | ||
| Q4 24 | — | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.20× | ||
| Q1 24 | — | 0.20× |
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 | $491.1M | $57.6M |
| 自由现金流经营现金流 - 资本支出 | $472.9M | $46.6M |
| 自由现金流率自由现金流/营收 | 217.2% | 12.2% |
| 资本支出强度资本支出/营收 | 8.3% | 2.9% |
| 现金转化率经营现金流/净利润 | 4.59× | 4.93× |
| 过去12个月自由现金流最近4个季度 | $809.9M | $110.0M |
8季度趋势，按日历期对齐
| Q4 25 | $491.1M | $57.6M | ||
| Q3 25 | $115.2M | $27.3M | ||
| Q2 25 | $95.5M | $64.4M | ||
| Q1 25 | $140.5M | $-3.1M | ||
| Q4 24 | $473.9M | $62.3M | ||
| Q3 24 | $116.5M | $22.7M | ||
| Q2 24 | $107.2M | $44.1M | ||
| Q1 24 | $135.4M | $-21.8M |
| Q4 25 | $472.9M | $46.6M | ||
| Q3 25 | $112.2M | $17.0M | ||
| Q2 25 | $91.6M | $56.6M | ||
| Q1 25 | $133.1M | $-10.3M | ||
| Q4 24 | $459.8M | $56.0M | ||
| Q3 24 | $109.6M | $17.7M | ||
| Q2 24 | $104.9M | $39.0M | ||
| Q1 24 | $128.9M | $-26.9M |
| Q4 25 | 217.2% | 12.2% | ||
| Q3 25 | 51.5% | 4.7% | ||
| Q2 25 | 44.0% | 16.4% | ||
| Q1 25 | 67.1% | -3.1% | ||
| Q4 24 | 220.8% | 17.2% | ||
| Q3 24 | 51.7% | 5.7% | ||
| Q2 24 | 50.5% | 12.5% | ||
| Q1 24 | 62.6% | -9.0% |
| Q4 25 | 8.3% | 2.9% | ||
| Q3 25 | 1.3% | 2.8% | ||
| Q2 25 | 1.9% | 2.2% | ||
| Q1 25 | 3.7% | 2.2% | ||
| Q4 24 | 6.8% | 1.9% | ||
| Q3 24 | 3.3% | 1.6% | ||
| Q2 24 | 1.1% | 1.6% | ||
| Q1 24 | 3.2% | 1.7% |
| Q4 25 | 4.59× | 4.93× | ||
| Q3 25 | 1.06× | 25.34× | ||
| Q2 25 | 0.95× | — | ||
| Q1 25 | 1.45× | -4.36× | ||
| Q4 24 | 4.12× | — | ||
| Q3 24 | 1.17× | — | ||
| Q2 24 | 1.11× | — | ||
| Q1 24 | 1.39× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
