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INTERNATIONAL BANCSHARES CORP（IBOC）与Stitch Fix, Inc.（SFIX）财务数据对比。点击上方公司名可切换其他公司
Stitch Fix, Inc.的季度营收约是INTERNATIONAL BANCSHARES CORP的1.6倍（$342.1M vs $217.7M），INTERNATIONAL BANCSHARES CORP净利率更高（62.3% vs -1.9%，领先64.2%），Stitch Fix, Inc.同比增速更快（7.3% vs 4.5%），INTERNATIONAL BANCSHARES CORP自由现金流更多（$472.9M vs $5.6M），过去两年INTERNATIONAL BANCSHARES CORP的营收复合增速更高（2.8% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
IBOC vs SFIX — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $217.7M | $342.1M |
| 净利润 | $106.9M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | 62.8% | -2.5% |
| 净利率 | 62.3% | -1.9% |
| 营收同比 | 4.5% | 7.3% |
| 净利润同比 | -7.1% | -1.7% |
| 每股收益（稀释后） | $1.71 | $-0.05 |
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 | $342.1M | ||
| Q3 25 | $218.1M | $311.2M | ||
| Q2 25 | $208.2M | $325.0M | ||
| Q1 25 | $198.2M | $312.1M | ||
| Q4 24 | $208.3M | $318.8M | ||
| Q3 24 | $211.8M | $319.6M | ||
| Q2 24 | $207.8M | $322.7M | ||
| Q1 24 | $205.8M | $330.4M |
| Q4 25 | $106.9M | $-6.4M | ||
| Q3 25 | $108.4M | $-8.6M | ||
| Q2 25 | $100.1M | $-7.4M | ||
| Q1 25 | $96.9M | $-6.5M | ||
| Q4 24 | $115.1M | $-6.3M | ||
| Q3 24 | $99.8M | $-36.5M | ||
| Q2 24 | $97.0M | $-21.3M | ||
| Q1 24 | $97.3M | $-35.5M |
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 43.4% |
| Q4 25 | 62.8% | -2.5% | ||
| Q3 25 | 62.6% | -3.6% | ||
| Q2 25 | 60.5% | -3.0% | ||
| Q1 25 | 61.1% | -2.9% | ||
| Q4 24 | 64.2% | -2.8% | ||
| Q3 24 | 60.0% | -13.1% | ||
| Q2 24 | 60.1% | -7.7% | ||
| Q1 24 | 59.9% | -11.5% |
| Q4 25 | 62.3% | -1.9% | ||
| Q3 25 | 49.7% | -2.8% | ||
| Q2 25 | 48.1% | -2.3% | ||
| Q1 25 | 48.9% | -2.1% | ||
| Q4 24 | 71.5% | -2.0% | ||
| Q3 24 | 47.1% | -11.4% | ||
| Q2 24 | 46.7% | -6.6% | ||
| Q1 24 | 47.3% | -10.8% |
| Q4 25 | $1.71 | $-0.05 | ||
| Q3 25 | $1.74 | $-0.06 | ||
| Q2 25 | $1.61 | $-0.06 | ||
| Q1 25 | $1.56 | $-0.05 | ||
| Q4 24 | $1.85 | $-0.05 | ||
| Q3 24 | $1.60 | $-0.29 | ||
| Q2 24 | $1.56 | $-0.18 | ||
| Q1 24 | $1.56 | $-0.30 |
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 | $244.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.3B | $204.1M |
| 总资产 | $16.6B | $530.7M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $5.5B | $244.2M | ||
| Q3 25 | $5.6B | $234.9M | ||
| Q2 25 | $5.8B | $234.2M | ||
| Q1 25 | $5.6B | $219.1M | ||
| Q4 24 | $5.4B | $253.3M | ||
| Q3 24 | $5.8B | $247.0M | ||
| Q2 24 | $5.7B | $244.5M | ||
| Q1 24 | $5.7B | $229.8M |
| Q4 25 | $3.3B | $204.1M | ||
| Q3 25 | $3.1B | $203.0M | ||
| Q2 25 | $3.0B | $200.4M | ||
| Q1 25 | $2.9B | $197.8M | ||
| Q4 24 | $2.8B | $190.5M | ||
| Q3 24 | $2.7B | $187.0M | ||
| Q2 24 | $2.6B | $208.9M | ||
| Q1 24 | $2.5B | $213.3M |
| Q4 25 | $16.6B | $530.7M | ||
| Q3 25 | $16.6B | $480.6M | ||
| Q2 25 | $16.5B | $484.7M | ||
| Q1 25 | $16.3B | $472.6M | ||
| Q4 24 | $15.7B | $507.1M | ||
| Q3 24 | $15.9B | $486.9M | ||
| Q2 24 | $15.5B | $537.0M | ||
| Q1 24 | $15.4B | $538.3M |
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 | $10.9M |
| 自由现金流经营现金流 - 资本支出 | $472.9M | $5.6M |
| 自由现金流率自由现金流/营收 | 217.2% | 1.6% |
| 资本支出强度资本支出/营收 | 8.3% | 1.6% |
| 现金转化率经营现金流/净利润 | 4.59× | — |
| 过去12个月自由现金流最近4个季度 | $809.9M | $4.9M |
8季度趋势，按日历期对齐
| Q4 25 | $491.1M | $10.9M | ||
| Q3 25 | $115.2M | $7.0M | ||
| Q2 25 | $95.5M | $20.5M | ||
| Q1 25 | $140.5M | $-16.2M | ||
| Q4 24 | $473.9M | $14.3M | ||
| Q3 24 | $116.5M | $8.2M | ||
| Q2 24 | $107.2M | $21.7M | ||
| Q1 24 | $135.4M | $-22.3M |
| Q4 25 | $472.9M | $5.6M | ||
| Q3 25 | $112.2M | $2.8M | ||
| Q2 25 | $91.6M | $16.0M | ||
| Q1 25 | $133.1M | $-19.4M | ||
| Q4 24 | $459.8M | $9.9M | ||
| Q3 24 | $109.6M | $4.5M | ||
| Q2 24 | $104.9M | $18.9M | ||
| Q1 24 | $128.9M | $-26.1M |
| Q4 25 | 217.2% | 1.6% | ||
| Q3 25 | 51.5% | 0.9% | ||
| Q2 25 | 44.0% | 4.9% | ||
| Q1 25 | 67.1% | -6.2% | ||
| Q4 24 | 220.8% | 3.1% | ||
| Q3 24 | 51.7% | 1.4% | ||
| Q2 24 | 50.5% | 5.9% | ||
| Q1 24 | 62.6% | -7.9% |
| Q4 25 | 8.3% | 1.6% | ||
| Q3 25 | 1.3% | 1.4% | ||
| Q2 25 | 1.9% | 1.4% | ||
| Q1 25 | 3.7% | 1.0% | ||
| Q4 24 | 6.8% | 1.4% | ||
| Q3 24 | 3.3% | 1.2% | ||
| Q2 24 | 1.1% | 0.9% | ||
| Q1 24 | 3.2% | 1.1% |
| Q4 25 | 4.59× | — | ||
| Q3 25 | 1.06× | — | ||
| Q2 25 | 0.95× | — | ||
| Q1 25 | 1.45× | — | ||
| 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
