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ZIONS BANCORPORATION, NATIONAL ASSOCIATION（ZION）与Zscaler, Inc.（ZS）财务数据对比。点击上方公司名可切换其他公司
ZIONS BANCORPORATION, NATIONAL ASSOCIATION的季度营收约是Zscaler, Inc.的1.1倍（$891.0M vs $788.1M），ZIONS BANCORPORATION, NATIONAL ASSOCIATION净利率更高（29.5% vs -1.5%，领先31.0%），Zscaler, Inc.同比增速更快（25.5% vs 8.7%），ZIONS BANCORPORATION, NATIONAL ASSOCIATION自由现金流更多（$952.0M vs $431.0M），过去两年Zscaler, Inc.的营收复合增速更高（22.5% vs 9.6%）
Zions Bancorporation是总部位于美国犹他州盐湖城的全国性银行，并非银行控股公司。旗下共运营七大银行品牌，包括Zions银行、德州Amegy银行、加州信托银行、亚利桑那国家银行、内华达州立银行、科罗拉多Vectra银行及华盛顿商业银行，业务覆盖美国多地。
Zscaler是总部位于美国加利福尼亚州圣何塞的云安全企业，专注提供云原生安全服务，为全球各行业企业的网络系统与数据资产提供全方位防护，助力企业在数字化运营过程中抵御各类安全风险，保障业务稳定开展。
ZION vs ZS — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $891.0M | $788.1M |
| 净利润 | $263.0M | $-11.6M |
| 毛利率 | — | 76.6% |
| 营业利润率 | — | -4.6% |
| 净利率 | 29.5% | -1.5% |
| 营收同比 | 8.7% | 25.5% |
| 净利润同比 | 21.8% | 3.6% |
| 每股收益（稀释后） | $1.77 | $-0.07 |
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 | $891.0M | $788.1M | ||
| Q3 25 | $861.0M | $719.2M | ||
| Q2 25 | $838.0M | $678.0M | ||
| Q1 25 | $795.0M | $647.9M | ||
| Q4 24 | $820.0M | $628.0M | ||
| Q3 24 | $792.0M | $592.9M | ||
| Q2 24 | $777.0M | $553.2M | ||
| Q1 24 | $742.0M | $525.0M |
| Q4 25 | $263.0M | $-11.6M | ||
| Q3 25 | $222.0M | $-17.6M | ||
| Q2 25 | $244.0M | $-4.1M | ||
| Q1 25 | $170.0M | $-7.7M | ||
| Q4 24 | $216.0M | $-12.1M | ||
| Q3 24 | $214.0M | $-14.9M | ||
| Q2 24 | $201.0M | $19.1M | ||
| Q1 24 | $153.0M | $-28.5M |
| Q4 25 | — | 76.6% | ||
| Q3 25 | — | 76.1% | ||
| Q2 25 | — | 77.0% | ||
| Q1 25 | — | 77.1% | ||
| Q4 24 | — | 77.5% | ||
| Q3 24 | — | 78.0% | ||
| Q2 24 | — | 78.6% | ||
| Q1 24 | — | 77.7% |
| Q4 25 | — | -4.6% | ||
| Q3 25 | — | -4.5% | ||
| Q2 25 | — | -3.7% | ||
| Q1 25 | — | -6.2% | ||
| Q4 24 | — | -4.9% | ||
| Q3 24 | — | -4.5% | ||
| Q2 24 | — | -0.5% | ||
| Q1 24 | — | -8.7% |
| Q4 25 | 29.5% | -1.5% | ||
| Q3 25 | 25.8% | -2.4% | ||
| Q2 25 | 29.1% | -0.6% | ||
| Q1 25 | 21.4% | -1.2% | ||
| Q4 24 | 26.3% | -1.9% | ||
| Q3 24 | 27.0% | -2.5% | ||
| Q2 24 | 25.9% | 3.5% | ||
| Q1 24 | 20.6% | -5.4% |
| Q4 25 | $1.77 | $-0.07 | ||
| Q3 25 | $1.48 | $-0.11 | ||
| Q2 25 | $1.63 | $-0.03 | ||
| Q1 25 | $1.13 | $-0.05 | ||
| Q4 24 | $1.34 | $-0.08 | ||
| Q3 24 | $1.37 | $-0.09 | ||
| Q2 24 | $1.28 | $0.12 | ||
| Q1 24 | $0.96 | $-0.19 |
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 | — | $1.3B |
| 总债务越低越好 | $1.5B | — |
| 股东权益账面价值 | $7.2B | $2.0B |
| 总资产 | $89.0B | $6.5B |
| 负债/权益比越低杠杆越低 | 0.21× | — |
8季度趋势，按日历期对齐
| Q4 25 | — | $1.3B | ||
| Q3 25 | — | $2.4B | ||
| Q2 25 | — | $2.0B | ||
| Q1 25 | — | $1.8B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.3B | ||
| Q1 24 | — | $1.4B |
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.5B | — | ||
| Q2 25 | $970.0M | $1.1B | ||
| Q1 25 | $964.0M | $1.1B | ||
| Q4 24 | $950.0M | $1.1B | ||
| Q3 24 | $548.0M | $1.1B | ||
| Q2 24 | $546.0M | $1.1B | ||
| Q1 24 | $544.0M | $1.1B |
| Q4 25 | $7.2B | $2.0B | ||
| Q3 25 | $6.9B | $1.8B | ||
| Q2 25 | $6.6B | $1.8B | ||
| Q1 25 | $6.3B | $1.6B | ||
| Q4 24 | $6.1B | $1.4B | ||
| Q3 24 | $6.4B | $1.3B | ||
| Q2 24 | $6.0B | $1.1B | ||
| Q1 24 | $5.8B | $958.9M |
| Q4 25 | $89.0B | $6.5B | ||
| Q3 25 | $88.5B | $6.4B | ||
| Q2 25 | $88.9B | $5.3B | ||
| Q1 25 | $88.0B | $5.0B | ||
| Q4 24 | $88.8B | $4.7B | ||
| Q3 24 | $87.0B | $4.7B | ||
| Q2 24 | $87.6B | $4.2B | ||
| Q1 24 | $87.1B | $3.9B |
| Q4 25 | 0.21× | — | ||
| Q3 25 | 0.21× | — | ||
| Q2 25 | 0.15× | 0.64× | ||
| Q1 25 | 0.15× | 0.71× | ||
| Q4 24 | 0.16× | 0.80× | ||
| Q3 24 | 0.09× | 0.90× | ||
| Q2 24 | 0.09× | 1.04× | ||
| Q1 24 | 0.09× | 1.19× |
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 | $1.1B | $448.3M |
| 自由现金流经营现金流 - 资本支出 | $952.0M | $431.0M |
| 自由现金流率自由现金流/营收 | 106.8% | 54.7% |
| 资本支出强度资本支出/营收 | 13.6% | 2.2% |
| 现金转化率经营现金流/净利润 | 4.08× | — |
| 过去12个月自由现金流最近4个季度 | $1.4B | $924.9M |
8季度趋势，按日历期对齐
| Q4 25 | $1.1B | $448.3M | ||
| Q3 25 | $438.0M | $250.6M | ||
| Q2 25 | $-62.0M | $211.1M | ||
| Q1 25 | $179.0M | $179.4M | ||
| Q4 24 | $1.1B | $331.3M | ||
| Q3 24 | $119.0M | $203.6M | ||
| Q2 24 | $251.0M | $173.4M | ||
| Q1 24 | $261.0M | $142.1M |
| Q4 25 | $952.0M | $431.0M | ||
| Q3 25 | $413.0M | $190.6M | ||
| Q2 25 | $-93.0M | $138.9M | ||
| Q1 25 | $152.0M | $164.4M | ||
| Q4 24 | $1.1B | $314.3M | ||
| Q3 24 | $97.0M | $154.2M | ||
| Q2 24 | $234.0M | $137.8M | ||
| Q1 24 | $231.0M | $111.2M |
| Q4 25 | 106.8% | 54.7% | ||
| Q3 25 | 48.0% | 26.5% | ||
| Q2 25 | -11.1% | 20.5% | ||
| Q1 25 | 19.1% | 25.4% | ||
| Q4 24 | 128.2% | 50.1% | ||
| Q3 24 | 12.2% | 26.0% | ||
| Q2 24 | 30.1% | 24.9% | ||
| Q1 24 | 31.1% | 21.2% |
| Q4 25 | 13.6% | 2.2% | ||
| Q3 25 | 2.9% | 8.3% | ||
| Q2 25 | 3.7% | 10.6% | ||
| Q1 25 | 3.4% | 2.3% | ||
| Q4 24 | 11.8% | 2.7% | ||
| Q3 24 | 2.8% | 8.3% | ||
| Q2 24 | 2.2% | 6.4% | ||
| Q1 24 | 4.0% | 5.9% |
| Q4 25 | 4.08× | — | ||
| Q3 25 | 1.97× | — | ||
| Q2 25 | -0.25× | — | ||
| Q1 25 | 1.05× | — | ||
| Q4 24 | 5.31× | — | ||
| Q3 24 | 0.56× | — | ||
| Q2 24 | 1.25× | 9.07× | ||
| Q1 24 | 1.71× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
