Decoding visual experiences from human brain activity remains a central challenge at the intersection of neuroscience, neuroimaging, and artificial intelligence. A critical obstacle is the inherent variability of cortical responses: neural activity elicited by the same visual stimulus differs across individuals and trials due to anatomical, functional, cognitive, and experimental factors, making fMRI-to-image reconstruction non-injective. In this paper, we tackle a challenging yet practically meaningful problem: zero-shot cross-subject fMRI-to-image reconstruction, where the visual experience of a previously unseen individual must be reconstructed without subject-specific training. To enable principled evaluation, we present a unified cortical-surface dataset -- UniCortex-fMRI, assembled from multiple visual-stimulus fMRI datasets to provide broad coverage of subjects and stimuli. Our UniCortex-fMRI is particularly processed by standardized data formats to make it possible to explore this possibility in the zero-shot scenario of cross-subject fMRI-to-image reconstruction. To tackle the modeling challenge, we propose PictorialCortex, which models fMRI activity using a compositional latent formulation that structures stimulus-driven representations under subject-, dataset-, and trial-related variability. PictorialCortex operates in a universal cortical latent space and implements this formulation through a latent factorization-composition module, reinforced by paired factorization and re-factorizing consistency regularization. During inference, surrogate latents synthesized under multiple seen-subject conditions are aggregated to guide diffusion-based image synthesis for unseen subjects. Extensive experiments show that PictorialCortex improves zero-shot cross-subject visual reconstruction, highlighting the benefits of compositional latent modeling and multi-dataset training.