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PROVIDENT FINANCIAL HOLDINGS INC（PROV）与SuperCom Ltd（SPCB）财务数据对比。点击上方公司名可切换其他公司
SuperCom Ltd的季度营收约是PROVIDENT FINANCIAL HOLDINGS INC的1.4倍（$14.2M vs $9.8M），SuperCom Ltd净利率更高（37.5% vs 14.6%，领先22.9%），PROVIDENT FINANCIAL HOLDINGS INC同比增速更快（2.5% vs -1.5%），PROVIDENT FINANCIAL HOLDINGS INC自由现金流更多（$1.0M vs $-3.6M）
普罗维登特金融控股公司是一家银行控股企业，通过旗下全资子公司普罗维登特储蓄银行开展业务，为美国加利福尼亚州当地社区提供各类存款、住房抵押贷款、消费贷款、小微企业融资等零售及商业金融服务。
Super.com是一家总部位于美国旧金山的科技公司，由侯赛因·法扎勒和施亨利联合创立。该公司主营金融服务业务，具体涵盖会员奖励计划以及旅行预订等相关服务，在出行与消费金融领域深耕发展。
PROV vs SPCB — 直观对比
营收规模更大
SPCB
是对方的1.4倍
$9.8M
营收增速更快
PROV
高出3.9%
-1.5%
净利率更高
SPCB
高出22.9%
14.6%
自由现金流更多
PROV
多$4.6M
$-3.6M
损益表 — Q2 FY2026 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $9.8M | $14.2M |
| 净利润 | $1.4M | $5.3M |
| 毛利率 | — | 61.2% |
| 营业利润率 | 20.8% | 16.3% |
| 净利率 | 14.6% | 37.5% |
| 营收同比 | 2.5% | -1.5% |
| 净利润同比 | 64.7% | 79.5% |
| 每股收益（稀释后） | $0.22 | $1.32 |
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PROVSPCB
| Q4 25 | $9.8M | — | ||
| Q3 25 | $9.7M | — | ||
| Q2 25 | $9.8M | $14.2M | ||
| Q1 25 | $10.1M | — | ||
| Q4 24 | $9.6M | — | ||
| Q3 24 | $9.5M | — | ||
| Q2 24 | $9.9M | $14.4M | ||
| Q1 24 | $9.4M | — |
净利润PROVSPCB
| Q4 25 | $1.4M | — | ||
| Q3 25 | $1.7M | — | ||
| Q2 25 | $1.6M | $5.3M | ||
| Q1 25 | $1.9M | — | ||
| Q4 24 | $872.0K | — | ||
| Q3 24 | $1.9M | — | ||
| Q2 24 | $2.0M | $3.0M | ||
| Q1 24 | $1.5M | — |
毛利率PROVSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 61.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
营业利润率PROVSPCB
| Q4 25 | 20.8% | — | ||
| Q3 25 | 28.1% | — | ||
| Q2 25 | 23.6% | 16.3% | ||
| Q1 25 | 26.2% | — | ||
| Q4 24 | 12.7% | — | ||
| Q3 24 | 28.3% | — | ||
| Q2 24 | 27.8% | 7.7% | ||
| Q1 24 | 22.5% | — |
净利率PROVSPCB
| Q4 25 | 14.6% | — | ||
| Q3 25 | 17.3% | — | ||
| Q2 25 | 16.7% | 37.5% | ||
| Q1 25 | 18.4% | — | ||
| Q4 24 | 9.1% | — | ||
| Q3 24 | 20.0% | — | ||
| Q2 24 | 19.7% | 20.6% | ||
| Q1 24 | 15.9% | — |
每股收益（稀释后）PROVSPCB
| Q4 25 | $0.22 | — | ||
| Q3 25 | $0.25 | — | ||
| Q2 25 | $0.24 | $1.32 | ||
| Q1 25 | $0.28 | — | ||
| Q4 24 | $0.13 | — | ||
| Q3 24 | $0.28 | — | ||
| Q2 24 | $0.28 | $1.19 | ||
| Q1 24 | $0.22 | — |
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 | $54.4M | $15.0M |
| 总债务越低越好 | — | $23.6M |
| 股东权益账面价值 | $127.5M | $37.3M |
| 总资产 | $1.2B | $65.5M |
| 负债/权益比越低杠杆越低 | — | 0.63× |
8季度趋势，按日历期对齐
现金及短期投资PROVSPCB
| Q4 25 | $54.4M | — | ||
| Q3 25 | $49.4M | — | ||
| Q2 25 | $53.1M | $15.0M | ||
| Q1 25 | $50.9M | — | ||
| Q4 24 | $45.5M | — | ||
| Q3 24 | $48.2M | — | ||
| Q2 24 | $51.4M | $5.7M | ||
| Q1 24 | $51.7M | — |
总债务PROVSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $23.6M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $29.2M | ||
| Q1 24 | — | — |
股东权益PROVSPCB
| Q4 25 | $127.5M | — | ||
| Q3 25 | $128.4M | — | ||
| Q2 25 | $128.5M | $37.3M | ||
| Q1 25 | $128.9M | — | ||
| Q4 24 | $128.6M | — | ||
| Q3 24 | $129.6M | — | ||
| Q2 24 | $129.9M | $13.8M | ||
| Q1 24 | $129.5M | — |
总资产PROVSPCB
| Q4 25 | $1.2B | — | ||
| Q3 25 | $1.2B | — | ||
| Q2 25 | $1.2B | $65.5M | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.3B | $49.6M | ||
| Q1 24 | $1.3B | — |
负债/权益比PROVSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.63× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 2.11× | ||
| 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 | $1.2M | $-2.2M |
| 自由现金流经营现金流 - 资本支出 | $1.0M | $-3.6M |
| 自由现金流率自由现金流/营收 | 10.5% | -25.3% |
| 资本支出强度资本支出/营收 | 1.9% | 10.0% |
| 现金转化率经营现金流/净利润 | 0.85× | -0.41× |
| 过去12个月自由现金流最近4个季度 | $14.9M | $-14.0M |
8季度趋势，按日历期对齐
经营现金流PROVSPCB
| Q4 25 | $1.2M | — | ||
| Q3 25 | $2.5M | — | ||
| Q2 25 | $8.7M | $-2.2M | ||
| Q1 25 | $3.3M | — | ||
| Q4 24 | $324.0K | — | ||
| Q3 24 | $2.6M | — | ||
| Q2 24 | $5.7M | $-950.0K | ||
| Q1 24 | $3.0M | — |
自由现金流PROVSPCB
| Q4 25 | $1.0M | — | ||
| Q3 25 | $2.5M | — | ||
| Q2 25 | $8.2M | $-3.6M | ||
| Q1 25 | $3.3M | — | ||
| Q4 24 | $307.0K | — | ||
| Q3 24 | $2.4M | — | ||
| Q2 24 | $4.1M | $-1.6M | ||
| Q1 24 | $2.6M | — |
自由现金流率PROVSPCB
| Q4 25 | 10.5% | — | ||
| Q3 25 | 25.2% | — | ||
| Q2 25 | 83.5% | -25.3% | ||
| Q1 25 | 32.5% | — | ||
| Q4 24 | 3.2% | — | ||
| Q3 24 | 25.1% | — | ||
| Q2 24 | 41.3% | -10.8% | ||
| Q1 24 | 27.5% | — |
资本支出强度PROVSPCB
| Q4 25 | 1.9% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 5.4% | 10.0% | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 16.0% | 4.2% | ||
| Q1 24 | 4.2% | — |
现金转化率PROVSPCB
| Q4 25 | 0.85× | — | ||
| Q3 25 | 1.48× | — | ||
| Q2 25 | 5.34× | -0.41× | ||
| Q1 25 | 1.79× | — | ||
| Q4 24 | 0.37× | — | ||
| Q3 24 | 1.35× | — | ||
| Q2 24 | 2.91× | -0.32× | ||
| Q1 24 | 2.00× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
