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COASTAL FINANCIAL CORP（CCB）与PROGRESS SOFTWARE CORP（PRGS）财务数据对比。点击上方公司名可切换其他公司
PROGRESS SOFTWARE CORP的季度营收约是COASTAL FINANCIAL CORP的1.8倍（$252.7M vs $138.0M），PROGRESS SOFTWARE CORP同比增速更快（17.5% vs -5.8%），COASTAL FINANCIAL CORP自由现金流更多（$246.1M vs $59.9M），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% vs -3.6%）
富达国民金融是美国财富500强企业，面向房地产与按揭行业提供产权保险及交割服务。2019年，其产权及房地产业务相关年营收约为84.69亿美元，是行业内具有领先地位的金融服务提供商。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
CCB vs PRGS — 直观对比
营收规模更大
PRGS
是对方的1.8倍
$138.0M
营收增速更快
PRGS
高出23.3%
-5.8%
自由现金流更多
CCB
多$186.2M
$59.9M
两年增速更快
PRGS
近两年复合增速
-3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $138.0M | $252.7M |
| 净利润 | — | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | 12.4% | 15.2% |
| 净利率 | — | 10.2% |
| 营收同比 | -5.8% | 17.5% |
| 净利润同比 | — | 2144.6% |
| 每股收益（稀释后） | $0.84 | $0.59 |
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CCBPRGS
| Q4 25 | $138.0M | $252.7M | ||
| Q3 25 | $144.7M | $249.8M | ||
| Q2 25 | $119.4M | $237.4M | ||
| Q1 25 | $139.5M | $238.0M | ||
| Q4 24 | $146.5M | $215.0M | ||
| Q3 24 | $151.1M | $178.7M | ||
| Q2 24 | $135.3M | $175.1M | ||
| Q1 24 | $148.4M | $184.7M |
净利润CCBPRGS
| Q4 25 | — | $25.7M | ||
| Q3 25 | $13.6M | $19.4M | ||
| Q2 25 | $11.0M | $17.0M | ||
| Q1 25 | $9.7M | $10.9M | ||
| Q4 24 | — | $1.1M | ||
| Q3 24 | $13.5M | $28.5M | ||
| Q2 24 | $11.6M | $16.2M | ||
| Q1 24 | $6.8M | $22.6M |
毛利率CCBPRGS
| Q4 25 | — | 81.6% | ||
| Q3 25 | — | 81.0% | ||
| Q2 25 | — | 80.1% | ||
| Q1 25 | — | 80.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 83.7% | ||
| Q2 24 | — | 81.7% | ||
| Q1 24 | — | 82.2% |
营业利润率CCBPRGS
| Q4 25 | 12.4% | 15.2% | ||
| Q3 25 | 12.4% | 17.6% | ||
| Q2 25 | 12.0% | 16.3% | ||
| Q1 25 | 8.4% | 13.6% | ||
| Q4 24 | 11.7% | 10.0% | ||
| Q3 24 | 10.8% | 22.6% | ||
| Q2 24 | 11.1% | 15.5% | ||
| Q1 24 | 5.9% | 19.0% |
净利率CCBPRGS
| Q4 25 | — | 10.2% | ||
| Q3 25 | 9.4% | 7.8% | ||
| Q2 25 | 9.2% | 7.2% | ||
| Q1 25 | 7.0% | 4.6% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | 8.9% | 15.9% | ||
| Q2 24 | 8.6% | 9.2% | ||
| Q1 24 | 4.6% | 12.3% |
每股收益（稀释后）CCBPRGS
| Q4 25 | $0.84 | $0.59 | ||
| Q3 25 | $0.88 | $0.44 | ||
| Q2 25 | $0.71 | $0.39 | ||
| Q1 25 | $0.63 | $0.24 | ||
| Q4 24 | $0.95 | $0.01 | ||
| Q3 24 | $0.97 | $0.65 | ||
| Q2 24 | $0.84 | $0.37 | ||
| Q1 24 | $0.50 | $0.51 |
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 | — | $94.8M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $491.0M | $478.3M |
| 总资产 | $4.7B | $2.5B |
| 负债/权益比越低杠杆越低 | — | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资CCBPRGS
| Q4 25 | — | $94.8M | ||
| Q3 25 | — | $99.0M | ||
| Q2 25 | — | $102.0M | ||
| Q1 25 | — | $124.2M | ||
| Q4 24 | — | $118.1M | ||
| Q3 24 | — | $232.7M | ||
| Q2 24 | — | $190.4M | ||
| Q1 24 | — | $133.2M |
总债务CCBPRGS
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $1.5B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益CCBPRGS
| Q4 25 | $491.0M | $478.3M | ||
| Q3 25 | $475.3M | $477.7M | ||
| Q2 25 | $461.7M | $452.7M | ||
| Q1 25 | $449.9M | $431.8M | ||
| Q4 24 | $438.7M | $438.8M | ||
| Q3 24 | $331.9M | $425.6M | ||
| Q2 24 | $316.7M | $401.7M | ||
| Q1 24 | $303.7M | $461.7M |
总资产CCBPRGS
| Q4 25 | $4.7B | $2.5B | ||
| Q3 25 | $4.6B | $2.4B | ||
| Q2 25 | $4.5B | $2.4B | ||
| Q1 25 | $4.3B | $2.5B | ||
| Q4 24 | $4.1B | $2.5B | ||
| Q3 24 | $4.1B | $1.6B | ||
| Q2 24 | $4.0B | $1.6B | ||
| Q1 24 | $3.9B | $1.5B |
负债/权益比CCBPRGS
| Q4 25 | — | 2.93× | ||
| Q3 25 | — | 2.97× | ||
| Q2 25 | — | 3.22× | ||
| Q1 25 | — | 3.50× | ||
| Q4 24 | — | 3.48× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $254.6M | $62.8M |
| 自由现金流经营现金流 - 资本支出 | $246.1M | $59.9M |
| 自由现金流率自由现金流/营收 | 178.3% | 23.7% |
| 资本支出强度资本支出/营收 | 6.1% | 1.1% |
| 现金转化率经营现金流/净利润 | — | 2.44× |
| 过去12个月自由现金流最近4个季度 | $436.4M | $229.5M |
8季度趋势，按日历期对齐
经营现金流CCBPRGS
| Q4 25 | $254.6M | $62.8M | ||
| Q3 25 | $59.0M | $73.4M | ||
| Q2 25 | $66.0M | $30.0M | ||
| Q1 25 | $71.7M | $68.9M | ||
| Q4 24 | $259.8M | $19.7M | ||
| Q3 24 | $62.6M | $57.7M | ||
| Q2 24 | $72.1M | $63.7M | ||
| Q1 24 | $56.8M | $70.5M |
自由现金流CCBPRGS
| Q4 25 | $246.1M | $59.9M | ||
| Q3 25 | $57.4M | $72.4M | ||
| Q2 25 | $64.0M | $29.5M | ||
| Q1 25 | $68.9M | $67.7M | ||
| Q4 24 | $249.9M | $16.8M | ||
| Q3 24 | $60.2M | $56.6M | ||
| Q2 24 | $69.5M | $62.7M | ||
| Q1 24 | $55.0M | $70.2M |
自由现金流率CCBPRGS
| Q4 25 | 178.3% | 23.7% | ||
| Q3 25 | 39.7% | 29.0% | ||
| Q2 25 | 53.6% | 12.4% | ||
| Q1 25 | 49.4% | 28.4% | ||
| Q4 24 | 170.6% | 7.8% | ||
| Q3 24 | 39.8% | 31.7% | ||
| Q2 24 | 51.3% | 35.8% | ||
| Q1 24 | 37.1% | 38.0% |
资本支出强度CCBPRGS
| Q4 25 | 6.1% | 1.1% | ||
| Q3 25 | 1.2% | 0.4% | ||
| Q2 25 | 1.7% | 0.2% | ||
| Q1 25 | 2.0% | 0.5% | ||
| Q4 24 | 6.8% | 1.3% | ||
| Q3 24 | 1.6% | 0.6% | ||
| Q2 24 | 1.9% | 0.5% | ||
| Q1 24 | 1.2% | 0.2% |
现金转化率CCBPRGS
| Q4 25 | — | 2.44× | ||
| Q3 25 | 4.34× | 3.78× | ||
| Q2 25 | 5.99× | 1.76× | ||
| Q1 25 | 7.37× | 6.30× | ||
| Q4 24 | — | 17.13× | ||
| Q3 24 | 4.65× | 2.03× | ||
| Q2 24 | 6.22× | 3.93× | ||
| Q1 24 | 8.35× | 3.11× |
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
CCB
| Other | $74.7M | 54% |
| Baa S Credit Enhancements | $47.3M | 34% |
| Baa S Program Income | $8.4M | 6% |
| Transaction Fees | $4.9M | 4% |
| Servicing And Other Baa S Fees | $1.6M | 1% |
| Baa S Fraud Enhancements | $1.1M | 1% |
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
