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INTERNATIONAL BANCSHARES CORP（IBOC）与UiPath, Inc.（PATH）财务数据对比。点击上方公司名可切换其他公司
UiPath, Inc.的季度营收约是INTERNATIONAL BANCSHARES CORP的1.9倍（$411.1M vs $217.7M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs 48.4%，领先14.0%），UiPath, Inc.同比增速更快（15.9% vs 4.5%），INTERNATIONAL BANCSHARES CORP自由现金流更多（$472.9M vs $25.1M），过去两年INTERNATIONAL BANCSHARES CORP的营收复合增速更高（2.8% vs 0.7%）
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。
UiPath是一家全球化软件企业，专注于开发人工智能、智能自动化及流程编排类软件，其产品支持用户搭建与调度AI代理，实现复杂业务流程、工作流的自动化运行，助力各行业客户提升运营效率、降低人力成本。
IBOC vs PATH — 直观对比
营收规模更大
PATH
是对方的1.9倍
$217.7M
营收增速更快
PATH
高出11.4%
4.5%
净利率更高
IBOC
高出14.0%
48.4%
自由现金流更多
IBOC
多$447.8M
$25.1M
两年增速更快
IBOC
近两年复合增速
0.7%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $217.7M | $411.1M |
| 净利润 | $106.9M | $198.8M |
| 毛利率 | — | 83.3% |
| 营业利润率 | 62.8% | 3.2% |
| 净利率 | 62.3% | 48.4% |
| 营收同比 | 4.5% | 15.9% |
| 净利润同比 | -7.1% | 1966.2% |
| 每股收益（稀释后） | $1.71 | $0.37 |
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IBOCPATH
| Q4 25 | $217.7M | $411.1M | ||
| Q3 25 | $218.1M | $361.7M | ||
| Q2 25 | $208.2M | $356.6M | ||
| Q1 25 | $198.2M | $423.6M | ||
| Q4 24 | $208.3M | $354.7M | ||
| Q3 24 | $211.8M | $316.3M | ||
| Q2 24 | $207.8M | $335.1M | ||
| Q1 24 | $205.8M | $405.3M |
净利润IBOCPATH
| Q4 25 | $106.9M | $198.8M | ||
| Q3 25 | $108.4M | $1.6M | ||
| Q2 25 | $100.1M | $-22.6M | ||
| Q1 25 | $96.9M | $51.8M | ||
| Q4 24 | $115.1M | $-10.7M | ||
| Q3 24 | $99.8M | $-86.1M | ||
| Q2 24 | $97.0M | $-28.7M | ||
| Q1 24 | $97.3M | $33.9M |
毛利率IBOCPATH
| Q4 25 | — | 83.3% | ||
| Q3 25 | — | 82.2% | ||
| Q2 25 | — | 82.1% | ||
| Q1 25 | — | 84.8% | ||
| Q4 24 | — | 82.0% | ||
| Q3 24 | — | 80.0% | ||
| Q2 24 | — | 83.5% | ||
| Q1 24 | — | 86.8% |
营业利润率IBOCPATH
| Q4 25 | 62.8% | 3.2% | ||
| Q3 25 | 62.6% | -5.6% | ||
| Q2 25 | 60.5% | -4.6% | ||
| Q1 25 | 61.1% | 7.9% | ||
| Q4 24 | 64.2% | -12.2% | ||
| Q3 24 | 60.0% | -32.7% | ||
| Q2 24 | 60.1% | -14.8% | ||
| Q1 24 | 59.9% | 3.7% |
净利率IBOCPATH
| Q4 25 | 62.3% | 48.4% | ||
| Q3 25 | 49.7% | 0.4% | ||
| Q2 25 | 48.1% | -6.3% | ||
| Q1 25 | 48.9% | 12.2% | ||
| Q4 24 | 71.5% | -3.0% | ||
| Q3 24 | 47.1% | -27.2% | ||
| Q2 24 | 46.7% | -8.6% | ||
| Q1 24 | 47.3% | 8.4% |
每股收益（稀释后）IBOCPATH
| Q4 25 | $1.71 | $0.37 | ||
| Q3 25 | $1.74 | $0.00 | ||
| Q2 25 | $1.61 | $-0.04 | ||
| Q1 25 | $1.56 | $0.09 | ||
| Q4 24 | $1.85 | $-0.02 | ||
| Q3 24 | $1.60 | $-0.15 | ||
| Q2 24 | $1.56 | $-0.05 | ||
| Q1 24 | $1.56 | $0.07 |
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 | $1.4B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.3B | $1.9B |
| 总资产 | $16.6B | $2.9B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资IBOCPATH
| Q4 25 | $5.5B | $1.4B | ||
| Q3 25 | $5.6B | $1.4B | ||
| Q2 25 | $5.8B | $1.6B | ||
| Q1 25 | $5.6B | $1.6B | ||
| Q4 24 | $5.4B | $1.6B | ||
| Q3 24 | $5.8B | $1.7B | ||
| Q2 24 | $5.7B | $1.9B | ||
| Q1 24 | $5.7B | $1.9B |
股东权益IBOCPATH
| Q4 25 | $3.3B | $1.9B | ||
| Q3 25 | $3.1B | $1.7B | ||
| Q2 25 | $3.0B | $1.7B | ||
| Q1 25 | $2.9B | $1.8B | ||
| Q4 24 | $2.8B | $1.7B | ||
| Q3 24 | $2.7B | $1.8B | ||
| Q2 24 | $2.6B | $2.0B | ||
| Q1 24 | $2.5B | $2.0B |
总资产IBOCPATH
| Q4 25 | $16.6B | $2.9B | ||
| Q3 25 | $16.6B | $2.6B | ||
| Q2 25 | $16.5B | $2.6B | ||
| Q1 25 | $16.3B | $2.9B | ||
| Q4 24 | $15.7B | $2.7B | ||
| Q3 24 | $15.9B | $2.7B | ||
| Q2 24 | $15.5B | $2.8B | ||
| Q1 24 | $15.4B | $3.0B |
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 | $28.3M |
| 自由现金流经营现金流 - 资本支出 | $472.9M | $25.1M |
| 自由现金流率自由现金流/营收 | 217.2% | 6.1% |
| 资本支出强度资本支出/营收 | 8.3% | 0.8% |
| 现金转化率经营现金流/净利润 | 4.59× | 0.14× |
| 过去12个月自由现金流最近4个季度 | $809.9M | — |
8季度趋势，按日历期对齐
经营现金流IBOCPATH
| Q4 25 | $491.1M | $28.3M | ||
| Q3 25 | $115.2M | $41.6M | ||
| Q2 25 | $95.5M | $119.0M | ||
| Q1 25 | $140.5M | $146.1M | ||
| Q4 24 | $473.9M | $28.1M | ||
| Q3 24 | $116.5M | $46.4M | ||
| Q2 24 | $107.2M | $100.0M | ||
| Q1 24 | $135.4M | $145.6M |
自由现金流IBOCPATH
| Q4 25 | $472.9M | $25.1M | ||
| Q3 25 | $112.2M | — | ||
| Q2 25 | $91.6M | $106.2M | ||
| Q1 25 | $133.1M | $138.7M | ||
| Q4 24 | $459.8M | $23.2M | ||
| Q3 24 | $109.6M | $45.0M | ||
| Q2 24 | $104.9M | $98.8M | ||
| Q1 24 | $128.9M | $141.8M |
自由现金流率IBOCPATH
| Q4 25 | 217.2% | 6.1% | ||
| Q3 25 | 51.5% | — | ||
| Q2 25 | 44.0% | 29.8% | ||
| Q1 25 | 67.1% | 32.7% | ||
| Q4 24 | 220.8% | 6.5% | ||
| Q3 24 | 51.7% | 14.2% | ||
| Q2 24 | 50.5% | 29.5% | ||
| Q1 24 | 62.6% | 35.0% |
资本支出强度IBOCPATH
| Q4 25 | 8.3% | 0.8% | ||
| Q3 25 | 1.3% | 0.0% | ||
| Q2 25 | 1.9% | 3.6% | ||
| Q1 25 | 3.7% | 1.7% | ||
| Q4 24 | 6.8% | 1.4% | ||
| Q3 24 | 3.3% | 0.4% | ||
| Q2 24 | 1.1% | 0.4% | ||
| Q1 24 | 3.2% | 0.9% |
现金转化率IBOCPATH
| Q4 25 | 4.59× | 0.14× | ||
| Q3 25 | 1.06× | 26.25× | ||
| Q2 25 | 0.95× | — | ||
| Q1 25 | 1.45× | 2.82× | ||
| Q4 24 | 4.12× | — | ||
| Q3 24 | 1.17× | — | ||
| Q2 24 | 1.11× | — | ||
| Q1 24 | 1.39× | 4.29× |
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
IBOC
暂无分部数据
PATH
| Subscription Services | $247.6M | 60% |
| License | $150.0M | 36% |
| Professional Services And Other | $13.5M | 3% |
