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Certara, Inc.（CERT）与OFG BANCORP（OFG）财务数据对比。点击上方公司名可切换其他公司
OFG BANCORP的季度营收约是Certara, Inc.的1.8倍（$184.3M vs $103.6M），OFG BANCORP净利率更高（30.3% vs -5.7%，领先36.0%），Certara, Inc.同比增速更快（3.3% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $27.8M），过去两年Certara, Inc.的营收复合增速更高（3.6% vs 2.8%）
Certara是全球领先的生物制药软件及咨询服务提供商，专注于建模模拟、监管科学领域的解决方案，服务药企、生物技术企业及医疗相关方，覆盖药物研发全周期，助力加快新疗法上市，降低研发风险与综合成本。
OFG Bancorp成立于1964年，总部位于波多黎各圣胡安，是东方银行的金融控股公司。公司通过东方银行、东方金融服务有限责任公司、东方保险有限责任公司等核心子公司，主要面向波多黎各和美属维尔京群岛市场，提供多元化的零售与商业银行、贷款、财富管理相关产品、服务及技术解决方案。
CERT vs OFG — 直观对比
营收规模更大
OFG
是对方的1.8倍
$103.6M
营收增速更快
CERT
高出2.4%
0.9%
净利率更高
OFG
高出36.0%
-5.7%
自由现金流更多
OFG
多$171.5M
$27.8M
两年增速更快
CERT
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $103.6M | $184.3M |
| 净利润 | $-5.9M | $55.9M |
| 毛利率 | — | — |
| 营业利润率 | 0.8% | 25.7% |
| 净利率 | -5.7% | 30.3% |
| 营收同比 | 3.3% | 0.9% |
| 净利润同比 | -189.6% | 11.0% |
| 每股收益（稀释后） | $-0.04 | $1.27 |
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CERTOFG
| Q4 25 | $103.6M | $184.3M | ||
| Q3 25 | $104.6M | $186.2M | ||
| Q2 25 | $104.6M | $182.4M | ||
| Q1 25 | $106.0M | $178.6M | ||
| Q4 24 | $100.4M | $182.7M | ||
| Q3 24 | $94.8M | $174.7M | ||
| Q2 24 | $93.3M | $179.8M | ||
| Q1 24 | $96.7M | $174.4M |
净利润CERTOFG
| Q4 25 | $-5.9M | $55.9M | ||
| Q3 25 | $1.5M | $51.8M | ||
| Q2 25 | $-2.0M | $51.8M | ||
| Q1 25 | $4.7M | $45.6M | ||
| Q4 24 | $6.6M | $50.3M | ||
| Q3 24 | $-1.4M | $47.0M | ||
| Q2 24 | $-12.6M | $51.1M | ||
| Q1 24 | $-4.7M | $49.7M |
营业利润率CERTOFG
| Q4 25 | 0.8% | 25.7% | ||
| Q3 25 | 2.9% | 33.0% | ||
| Q2 25 | 9.1% | 36.1% | ||
| Q1 25 | 7.2% | 33.3% | ||
| Q4 24 | 6.0% | 28.9% | ||
| Q3 24 | 2.7% | 35.4% | ||
| Q2 24 | -9.7% | 39.6% | ||
| Q1 24 | -1.3% | 38.9% |
净利率CERTOFG
| Q4 25 | -5.7% | 30.3% | ||
| Q3 25 | 1.5% | 27.8% | ||
| Q2 25 | -1.9% | 28.4% | ||
| Q1 25 | 4.5% | 25.5% | ||
| Q4 24 | 6.6% | 27.6% | ||
| Q3 24 | -1.4% | 26.9% | ||
| Q2 24 | -13.5% | 28.4% | ||
| Q1 24 | -4.8% | 28.5% |
每股收益（稀释后）CERTOFG
| Q4 25 | $-0.04 | $1.27 | ||
| Q3 25 | $0.01 | $1.16 | ||
| Q2 25 | $-0.01 | $1.15 | ||
| Q1 25 | $0.03 | $1.00 | ||
| Q4 24 | $0.04 | $1.10 | ||
| Q3 24 | $-0.01 | $1.00 | ||
| Q2 24 | $-0.08 | $1.08 | ||
| Q1 24 | $-0.03 | $1.05 |
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 | $189.4M | $1.0B |
| 总债务越低越好 | $293.1M | — |
| 股东权益账面价值 | $1.1B | $1.4B |
| 总资产 | $1.6B | $12.5B |
| 负债/权益比越低杠杆越低 | 0.28× | — |
8季度趋势，按日历期对齐
现金及短期投资CERTOFG
| Q4 25 | $189.4M | $1.0B | ||
| Q3 25 | $172.7M | $740.3M | ||
| Q2 25 | $162.3M | $851.8M | ||
| Q1 25 | $179.1M | $710.6M | ||
| Q4 24 | $179.2M | $591.1M | ||
| Q3 24 | $233.0M | $680.6M | ||
| Q2 24 | $224.6M | $740.4M | ||
| Q1 24 | $224.8M | $754.4M |
总债务CERTOFG
| Q4 25 | $293.1M | — | ||
| Q3 25 | $293.5M | — | ||
| Q2 25 | $294.2M | — | ||
| Q1 25 | $294.8M | — | ||
| Q4 24 | $295.4M | — | ||
| Q3 24 | $296.1M | — | ||
| Q2 24 | $296.7M | — | ||
| Q1 24 | $290.8M | — |
股东权益CERTOFG
| Q4 25 | $1.1B | $1.4B | ||
| Q3 25 | $1.1B | $1.4B | ||
| Q2 25 | $1.1B | $1.3B | ||
| Q1 25 | $1.1B | $1.3B | ||
| Q4 24 | $1.1B | $1.3B | ||
| Q3 24 | $1.1B | $1.3B | ||
| Q2 24 | $1.0B | $1.2B | ||
| Q1 24 | $1.1B | $1.2B |
总资产CERTOFG
| Q4 25 | $1.6B | $12.5B | ||
| Q3 25 | $1.5B | $12.2B | ||
| Q2 25 | $1.5B | $12.2B | ||
| Q1 25 | $1.6B | $11.7B | ||
| Q4 24 | $1.6B | $11.5B | ||
| Q3 24 | $1.5B | $11.5B | ||
| Q2 24 | $1.5B | $11.3B | ||
| Q1 24 | $1.5B | $11.2B |
负债/权益比CERTOFG
| Q4 25 | 0.28× | — | ||
| Q3 25 | 0.28× | — | ||
| Q2 25 | 0.27× | — | ||
| Q1 25 | 0.27× | — | ||
| Q4 24 | 0.28× | — | ||
| Q3 24 | 0.28× | — | ||
| Q2 24 | 0.28× | — | ||
| Q1 24 | 0.28× | — |
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 | $28.8M | $217.7M |
| 自由现金流经营现金流 - 资本支出 | $27.8M | $199.3M |
| 自由现金流率自由现金流/营收 | 26.8% | 108.1% |
| 资本支出强度资本支出/营收 | 1.0% | 10.0% |
| 现金转化率经营现金流/净利润 | — | 3.90× |
| 过去12个月自由现金流最近4个季度 | $94.4M | $345.4M |
8季度趋势，按日历期对齐
经营现金流CERTOFG
| Q4 25 | $28.8M | $217.7M | ||
| Q3 25 | $32.3M | $39.5M | ||
| Q2 25 | $17.8M | $35.9M | ||
| Q1 25 | $17.4M | $83.1M | ||
| Q4 24 | $49.4M | $252.5M | ||
| Q3 24 | $17.0M | $58.1M | ||
| Q2 24 | $9.8M | $95.1M | ||
| Q1 24 | $4.3M | $61.0M |
自由现金流CERTOFG
| Q4 25 | $27.8M | $199.3M | ||
| Q3 25 | $32.1M | $35.5M | ||
| Q2 25 | $17.8M | $31.8M | ||
| Q1 25 | $16.8M | $78.7M | ||
| Q4 24 | $49.0M | $231.2M | ||
| Q3 24 | $16.8M | $51.8M | ||
| Q2 24 | $9.4M | $90.4M | ||
| Q1 24 | $3.7M | $54.8M |
自由现金流率CERTOFG
| Q4 25 | 26.8% | 108.1% | ||
| Q3 25 | 30.7% | 19.1% | ||
| Q2 25 | 17.0% | 17.4% | ||
| Q1 25 | 15.8% | 44.1% | ||
| Q4 24 | 48.8% | 126.5% | ||
| Q3 24 | 17.7% | 29.6% | ||
| Q2 24 | 10.1% | 50.3% | ||
| Q1 24 | 3.8% | 31.4% |
资本支出强度CERTOFG
| Q4 25 | 1.0% | 10.0% | ||
| Q3 25 | 0.2% | 2.1% | ||
| Q2 25 | 0.1% | 2.3% | ||
| Q1 25 | 0.6% | 2.4% | ||
| Q4 24 | 0.4% | 11.7% | ||
| Q3 24 | 0.2% | 3.6% | ||
| Q2 24 | 0.5% | 2.6% | ||
| Q1 24 | 0.6% | 3.5% |
现金转化率CERTOFG
| Q4 25 | — | 3.90× | ||
| Q3 25 | 21.19× | 0.76× | ||
| Q2 25 | — | 0.69× | ||
| Q1 25 | 3.66× | 1.82× | ||
| Q4 24 | 7.51× | 5.02× | ||
| Q3 24 | — | 1.24× | ||
| Q2 24 | — | 1.86× | ||
| Q1 24 | — | 1.23× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
