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INTERNATIONAL BANCSHARES CORP（IBOC）与PROGRESS SOFTWARE CORP（PRGS）财务数据对比。点击上方公司名可切换其他公司
PROGRESS SOFTWARE CORP的季度营收约是INTERNATIONAL BANCSHARES CORP的1.2倍（$252.7M vs $217.7M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs 10.2%，领先52.1%），PROGRESS SOFTWARE CORP同比增速更快（17.5% vs 4.5%），INTERNATIONAL BANCSHARES CORP自由现金流更多（$472.9M vs $59.9M），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% 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。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
IBOC vs PRGS — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $217.7M | $252.7M |
| 净利润 | $106.9M | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | 62.8% | 15.2% |
| 净利率 | 62.3% | 10.2% |
| 营收同比 | 4.5% | 17.5% |
| 净利润同比 | -7.1% | 2144.6% |
| 每股收益（稀释后） | $1.71 | $0.59 |
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 | $252.7M | ||
| Q3 25 | $218.1M | $249.8M | ||
| Q2 25 | $208.2M | $237.4M | ||
| Q1 25 | $198.2M | $238.0M | ||
| Q4 24 | $208.3M | $215.0M | ||
| Q3 24 | $211.8M | $178.7M | ||
| Q2 24 | $207.8M | $175.1M | ||
| Q1 24 | $205.8M | $184.7M |
| Q4 25 | $106.9M | $25.7M | ||
| Q3 25 | $108.4M | $19.4M | ||
| Q2 25 | $100.1M | $17.0M | ||
| Q1 25 | $96.9M | $10.9M | ||
| Q4 24 | $115.1M | $1.1M | ||
| Q3 24 | $99.8M | $28.5M | ||
| Q2 24 | $97.0M | $16.2M | ||
| Q1 24 | $97.3M | $22.6M |
| Q4 25 | — | 81.6% | ||
| Q3 25 | — | 81.0% | ||
| Q2 25 | — | 80.1% | ||
| Q1 25 | — | 80.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 83.7% | ||
| Q2 24 | — | 81.7% | ||
| Q1 24 | — | 82.2% |
| Q4 25 | 62.8% | 15.2% | ||
| Q3 25 | 62.6% | 17.6% | ||
| Q2 25 | 60.5% | 16.3% | ||
| Q1 25 | 61.1% | 13.6% | ||
| Q4 24 | 64.2% | 10.0% | ||
| Q3 24 | 60.0% | 22.6% | ||
| Q2 24 | 60.1% | 15.5% | ||
| Q1 24 | 59.9% | 19.0% |
| Q4 25 | 62.3% | 10.2% | ||
| Q3 25 | 49.7% | 7.8% | ||
| Q2 25 | 48.1% | 7.2% | ||
| Q1 25 | 48.9% | 4.6% | ||
| Q4 24 | 71.5% | 0.5% | ||
| Q3 24 | 47.1% | 15.9% | ||
| Q2 24 | 46.7% | 9.2% | ||
| Q1 24 | 47.3% | 12.3% |
| Q4 25 | $1.71 | $0.59 | ||
| Q3 25 | $1.74 | $0.44 | ||
| Q2 25 | $1.61 | $0.39 | ||
| Q1 25 | $1.56 | $0.24 | ||
| Q4 24 | $1.85 | $0.01 | ||
| Q3 24 | $1.60 | $0.65 | ||
| Q2 24 | $1.56 | $0.37 | ||
| Q1 24 | $1.56 | $0.51 |
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 | $94.8M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $3.3B | $478.3M |
| 总资产 | $16.6B | $2.5B |
| 负债/权益比越低杠杆越低 | — | 2.93× |
8季度趋势，按日历期对齐
| Q4 25 | $5.5B | $94.8M | ||
| Q3 25 | $5.6B | $99.0M | ||
| Q2 25 | $5.8B | $102.0M | ||
| Q1 25 | $5.6B | $124.2M | ||
| Q4 24 | $5.4B | $118.1M | ||
| Q3 24 | $5.8B | $232.7M | ||
| Q2 24 | $5.7B | $190.4M | ||
| Q1 24 | $5.7B | $133.2M |
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $1.5B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $3.3B | $478.3M | ||
| Q3 25 | $3.1B | $477.7M | ||
| Q2 25 | $3.0B | $452.7M | ||
| Q1 25 | $2.9B | $431.8M | ||
| Q4 24 | $2.8B | $438.8M | ||
| Q3 24 | $2.7B | $425.6M | ||
| Q2 24 | $2.6B | $401.7M | ||
| Q1 24 | $2.5B | $461.7M |
| Q4 25 | $16.6B | $2.5B | ||
| Q3 25 | $16.6B | $2.4B | ||
| Q2 25 | $16.5B | $2.4B | ||
| Q1 25 | $16.3B | $2.5B | ||
| Q4 24 | $15.7B | $2.5B | ||
| Q3 24 | $15.9B | $1.6B | ||
| Q2 24 | $15.5B | $1.6B | ||
| Q1 24 | $15.4B | $1.5B |
| Q4 25 | — | 2.93× | ||
| Q3 25 | — | 2.97× | ||
| Q2 25 | — | 3.22× | ||
| Q1 25 | — | 3.50× | ||
| Q4 24 | — | 3.48× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $491.1M | $62.8M |
| 自由现金流经营现金流 - 资本支出 | $472.9M | $59.9M |
| 自由现金流率自由现金流/营收 | 217.2% | 23.7% |
| 资本支出强度资本支出/营收 | 8.3% | 1.1% |
| 现金转化率经营现金流/净利润 | 4.59× | 2.44× |
| 过去12个月自由现金流最近4个季度 | $809.9M | $229.5M |
8季度趋势，按日历期对齐
| Q4 25 | $491.1M | $62.8M | ||
| Q3 25 | $115.2M | $73.4M | ||
| Q2 25 | $95.5M | $30.0M | ||
| Q1 25 | $140.5M | $68.9M | ||
| Q4 24 | $473.9M | $19.7M | ||
| Q3 24 | $116.5M | $57.7M | ||
| Q2 24 | $107.2M | $63.7M | ||
| Q1 24 | $135.4M | $70.5M |
| Q4 25 | $472.9M | $59.9M | ||
| Q3 25 | $112.2M | $72.4M | ||
| Q2 25 | $91.6M | $29.5M | ||
| Q1 25 | $133.1M | $67.7M | ||
| Q4 24 | $459.8M | $16.8M | ||
| Q3 24 | $109.6M | $56.6M | ||
| Q2 24 | $104.9M | $62.7M | ||
| Q1 24 | $128.9M | $70.2M |
| Q4 25 | 217.2% | 23.7% | ||
| Q3 25 | 51.5% | 29.0% | ||
| Q2 25 | 44.0% | 12.4% | ||
| Q1 25 | 67.1% | 28.4% | ||
| Q4 24 | 220.8% | 7.8% | ||
| Q3 24 | 51.7% | 31.7% | ||
| Q2 24 | 50.5% | 35.8% | ||
| Q1 24 | 62.6% | 38.0% |
| Q4 25 | 8.3% | 1.1% | ||
| Q3 25 | 1.3% | 0.4% | ||
| Q2 25 | 1.9% | 0.2% | ||
| Q1 25 | 3.7% | 0.5% | ||
| Q4 24 | 6.8% | 1.3% | ||
| Q3 24 | 3.3% | 0.6% | ||
| Q2 24 | 1.1% | 0.5% | ||
| Q1 24 | 3.2% | 0.2% |
| Q4 25 | 4.59× | 2.44× | ||
| Q3 25 | 1.06× | 3.78× | ||
| Q2 25 | 0.95× | 1.76× | ||
| Q1 25 | 1.45× | 6.30× | ||
| Q4 24 | 4.12× | 17.13× | ||
| Q3 24 | 1.17× | 2.03× | ||
| Q2 24 | 1.11× | 3.93× | ||
| Q1 24 | 1.39× | 3.11× |
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
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
