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合众银行（OSBC）与Purple Innovation, Inc.（PRPL）财务数据对比。点击上方公司名可切换其他公司
Purple Innovation, Inc.的季度营收约是合众银行的1.5倍（$140.7M vs $93.8M），合众银行净利率更高（27.3% vs -2.3%，领先29.6%），过去两年合众银行的营收复合增速更高（15.1% vs 8.3%）
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。
Purple Carrot是一家总部位于马萨诸塞州尼达姆市的全植物性餐包品牌，由安迪·莱维特创立，每周为订阅用户提供预制餐品和自制餐包。据《大都会》2022年报道，对比美式标准餐食，该品牌每份餐包的碳排放量可降低72%，主打低碳环保的纯植物饮食方案。
OSBC vs PRPL — 直观对比
营收规模更大
PRPL
是对方的1.5倍
$93.8M
净利率更高
OSBC
高出29.6%
-2.3%
两年增速更快
OSBC
近两年复合增速
8.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $93.8M | $140.7M |
| 净利润 | $25.6M | $-3.2M |
| 毛利率 | — | 41.9% |
| 营业利润率 | — | -1.6% |
| 净利率 | 27.3% | -2.3% |
| 营收同比 | — | 9.1% |
| 净利润同比 | 159.2% | 62.1% |
| 每股收益（稀释后） | $0.48 | $0.03 |
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OSBCPRPL
| Q1 26 | $93.8M | — | ||
| Q4 25 | $95.2M | $140.7M | ||
| Q3 25 | $95.9M | $118.8M | ||
| Q2 25 | $75.1M | $105.1M | ||
| Q1 25 | $73.1M | $104.2M | ||
| Q4 24 | $73.2M | $129.0M | ||
| Q3 24 | $71.2M | $118.6M | ||
| Q2 24 | $70.8M | $120.3M |
净利润OSBCPRPL
| Q1 26 | $25.6M | — | ||
| Q4 25 | — | $-3.2M | ||
| Q3 25 | $9.9M | $-11.7M | ||
| Q2 25 | $21.8M | $-17.3M | ||
| Q1 25 | $19.8M | $-19.1M | ||
| Q4 24 | — | $-8.5M | ||
| Q3 24 | $23.0M | $-39.2M | ||
| Q2 24 | $21.9M | $27.0K |
毛利率OSBCPRPL
| Q1 26 | — | — | ||
| Q4 25 | — | 41.9% | ||
| Q3 25 | — | 42.8% | ||
| Q2 25 | — | 35.9% | ||
| Q1 25 | — | 39.4% | ||
| Q4 24 | — | 42.9% | ||
| Q3 24 | — | 29.7% | ||
| Q2 24 | — | 40.7% |
营业利润率OSBCPRPL
| Q1 26 | — | — | ||
| Q4 25 | 41.2% | -1.6% | ||
| Q3 25 | 13.6% | -10.2% | ||
| Q2 25 | 38.9% | -13.5% | ||
| Q1 25 | 35.8% | -13.9% | ||
| Q4 24 | 34.7% | -6.0% | ||
| Q3 24 | 41.9% | -39.5% | ||
| Q2 24 | 41.2% | -12.1% |
净利率OSBCPRPL
| Q1 26 | 27.3% | — | ||
| Q4 25 | — | -2.3% | ||
| Q3 25 | 10.3% | -9.9% | ||
| Q2 25 | 29.0% | -16.5% | ||
| Q1 25 | 27.1% | -18.4% | ||
| Q4 24 | — | -6.6% | ||
| Q3 24 | 32.3% | -33.1% | ||
| Q2 24 | 30.9% | 0.0% |
每股收益（稀释后）OSBCPRPL
| Q1 26 | $0.48 | — | ||
| Q4 25 | $0.53 | $0.03 | ||
| Q3 25 | $0.18 | $0.11 | ||
| Q2 25 | $0.48 | $0.16 | ||
| Q1 25 | $0.43 | $0.18 | ||
| Q4 24 | $0.42 | $0.08 | ||
| Q3 24 | $0.50 | $0.36 | ||
| Q2 24 | $0.48 | $0.00 |
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 | $115.7M | $24.3M |
| 总债务越低越好 | — | $126.7M |
| 股东权益账面价值 | $893.3M | $-29.7M |
| 总资产 | $6.8B | $296.3M |
| 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OSBCPRPL
| Q1 26 | $115.7M | — | ||
| Q4 25 | $124.0M | $24.3M | ||
| Q3 25 | $116.5M | $32.4M | ||
| Q2 25 | $141.8M | $34.2M | ||
| Q1 25 | $256.1M | $21.6M | ||
| Q4 24 | $99.3M | $29.0M | ||
| Q3 24 | $115.8M | $23.4M | ||
| Q2 24 | $120.9M | $23.4M |
总债务OSBCPRPL
| Q1 26 | — | — | ||
| Q4 25 | — | $126.7M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $70.7M | ||
| Q3 24 | — | $50.8M | ||
| Q2 24 | — | — |
股东权益OSBCPRPL
| Q1 26 | $893.3M | — | ||
| Q4 25 | $896.8M | $-29.7M | ||
| Q3 25 | $866.7M | $-26.9M | ||
| Q2 25 | $718.6M | $-15.6M | ||
| Q1 25 | $694.5M | $1.3M | ||
| Q4 24 | $671.0M | $20.2M | ||
| Q3 24 | $661.4M | $28.0M | ||
| Q2 24 | $619.3M | $66.4M |
总资产OSBCPRPL
| Q1 26 | $6.8B | — | ||
| Q4 25 | $6.9B | $296.3M | ||
| Q3 25 | $7.0B | $302.1M | ||
| Q2 25 | $5.7B | $303.8M | ||
| Q1 25 | $5.7B | $293.8M | ||
| Q4 24 | $5.6B | $307.8M | ||
| Q3 24 | $5.7B | $309.3M | ||
| Q2 24 | $5.7B | $362.1M |
负债/权益比OSBCPRPL
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.50× | ||
| Q3 24 | — | 1.82× | ||
| Q2 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 | — | $-5.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-7.8M |
| 自由现金流率自由现金流/营收 | — | -5.5% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-41.9M |
8季度趋势，按日历期对齐
经营现金流OSBCPRPL
| Q1 26 | — | — | ||
| Q4 25 | $122.3M | $-5.8M | ||
| Q3 25 | $35.9M | $-968.0K | ||
| Q2 25 | $24.2M | $-4.0M | ||
| Q1 25 | $17.8M | $-23.1M | ||
| Q4 24 | $131.5M | $6.8M | ||
| Q3 24 | $48.5M | $1.1M | ||
| Q2 24 | $11.6M | $-8.9M |
自由现金流OSBCPRPL
| Q1 26 | — | — | ||
| Q4 25 | $117.8M | $-7.8M | ||
| Q3 25 | $34.7M | $-1.8M | ||
| Q2 25 | $23.5M | $-7.0M | ||
| Q1 25 | $16.2M | $-25.3M | ||
| Q4 24 | $120.7M | $5.7M | ||
| Q3 24 | $46.2M | $101.0K | ||
| Q2 24 | $8.7M | $-11.0M |
自由现金流率OSBCPRPL
| Q1 26 | — | — | ||
| Q4 25 | 123.7% | -5.5% | ||
| Q3 25 | 36.2% | -1.5% | ||
| Q2 25 | 31.2% | -6.6% | ||
| Q1 25 | 22.2% | -24.3% | ||
| Q4 24 | 165.0% | 4.4% | ||
| Q3 24 | 64.9% | 0.1% | ||
| Q2 24 | 12.3% | -9.2% |
资本支出强度OSBCPRPL
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | 1.4% | ||
| Q3 25 | 1.3% | 0.7% | ||
| Q2 25 | 1.1% | 2.8% | ||
| Q1 25 | 2.2% | 2.2% | ||
| Q4 24 | 14.7% | 0.8% | ||
| Q3 24 | 3.3% | 0.9% | ||
| Q2 24 | 4.2% | 1.7% |
现金转化率OSBCPRPL
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 3.64× | — | ||
| Q2 25 | 1.11× | — | ||
| Q1 25 | 0.90× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.11× | — | ||
| Q2 24 | 0.53× | -330.22× |
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
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
PRPL
| Cost Of Revenues | $81.7M | 58% |
| Other | $59.0M | 42% |
