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南玻集团（CSGS）与OFG BANCORP（OFG）财务数据对比。点击上方公司名可切换其他公司
南玻集团的季度营收约是OFG BANCORP的1.8倍（$323.1M vs $184.3M），OFG BANCORP净利率更高（30.3% vs 2.2%，领先28.2%），南玻集团同比增速更快（2.0% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $55.8M），过去两年南玻集团的营收复合增速更高（4.6% vs 2.8%）
中国南玻集团股份有限公司是中国规模最大的建筑玻璃生产商，业务涵盖浮法玻璃、建筑玻璃、显示玻璃、汽车玻璃、镀膜玻璃、镜子、彩滤玻璃、太阳能玻璃及节能玻璃等各类玻璃产品的研发、生产与销售，产品广泛应用于建筑、消费电子、新能源汽车、光伏等多个领域。
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。
CSGS vs OFG — 直观对比
营收规模更大
CSGS
是对方的1.8倍
$184.3M
营收增速更快
CSGS
高出1.1%
0.9%
净利率更高
OFG
高出28.2%
2.2%
自由现金流更多
OFG
多$143.5M
$55.8M
两年增速更快
CSGS
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $323.1M | $184.3M |
| 净利润 | $7.0M | $55.9M |
| 毛利率 | 50.0% | — |
| 营业利润率 | 9.0% | 25.7% |
| 净利率 | 2.2% | 30.3% |
| 营收同比 | 2.0% | 0.9% |
| 净利润同比 | -79.7% | 11.0% |
| 每股收益（稀释后） | $0.24 | $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CSGSOFG
| Q4 25 | $323.1M | $184.3M | ||
| Q3 25 | $303.6M | $186.2M | ||
| Q2 25 | $297.1M | $182.4M | ||
| Q1 25 | $299.5M | $178.6M | ||
| Q4 24 | $316.7M | $182.7M | ||
| Q3 24 | $295.1M | $174.7M | ||
| Q2 24 | $290.3M | $179.8M | ||
| Q1 24 | $295.1M | $174.4M |
净利润CSGSOFG
| Q4 25 | $7.0M | $55.9M | ||
| Q3 25 | $20.5M | $51.8M | ||
| Q2 25 | $12.3M | $51.8M | ||
| Q1 25 | $16.1M | $45.6M | ||
| Q4 24 | $34.5M | $50.3M | ||
| Q3 24 | $19.1M | $47.0M | ||
| Q2 24 | $13.8M | $51.1M | ||
| Q1 24 | $19.5M | $49.7M |
毛利率CSGSOFG
| Q4 25 | 50.0% | — | ||
| Q3 25 | 48.1% | — | ||
| Q2 25 | 49.5% | — | ||
| Q1 25 | 48.4% | — | ||
| Q4 24 | 51.3% | — | ||
| Q3 24 | 49.4% | — | ||
| Q2 24 | 47.3% | — | ||
| Q1 24 | 46.5% | — |
营业利润率CSGSOFG
| Q4 25 | 9.0% | 25.7% | ||
| Q3 25 | 10.0% | 33.0% | ||
| Q2 25 | 10.0% | 36.1% | ||
| Q1 25 | 9.8% | 33.3% | ||
| Q4 24 | 13.4% | 28.9% | ||
| Q3 24 | 10.8% | 35.4% | ||
| Q2 24 | 8.8% | 39.6% | ||
| Q1 24 | 10.8% | 38.9% |
净利率CSGSOFG
| Q4 25 | 2.2% | 30.3% | ||
| Q3 25 | 6.7% | 27.8% | ||
| Q2 25 | 4.1% | 28.4% | ||
| Q1 25 | 5.4% | 25.5% | ||
| Q4 24 | 10.9% | 27.6% | ||
| Q3 24 | 6.5% | 26.9% | ||
| Q2 24 | 4.8% | 28.4% | ||
| Q1 24 | 6.6% | 28.5% |
每股收益（稀释后）CSGSOFG
| Q4 25 | $0.24 | $1.27 | ||
| Q3 25 | $0.73 | $1.16 | ||
| Q2 25 | $0.44 | $1.15 | ||
| Q1 25 | $0.57 | $1.00 | ||
| Q4 24 | $1.20 | $1.10 | ||
| Q3 24 | $0.67 | $1.00 | ||
| Q2 24 | $0.48 | $1.08 | ||
| Q1 24 | $0.68 | $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 | $180.0M | $1.0B |
| 总债务越低越好 | $539.5M | — |
| 股东权益账面价值 | $283.7M | $1.4B |
| 总资产 | $1.5B | $12.5B |
| 负债/权益比越低杠杆越低 | 1.90× | — |
8季度趋势，按日历期对齐
现金及短期投资CSGSOFG
| Q4 25 | $180.0M | $1.0B | ||
| Q3 25 | $158.4M | $740.3M | ||
| Q2 25 | $145.9M | $851.8M | ||
| Q1 25 | $136.0M | $710.6M | ||
| Q4 24 | $161.8M | $591.1M | ||
| Q3 24 | $118.4M | $680.6M | ||
| Q2 24 | $110.4M | $740.4M | ||
| Q1 24 | $120.8M | $754.4M |
总债务CSGSOFG
| Q4 25 | $539.5M | — | ||
| Q3 25 | $538.6M | — | ||
| Q2 25 | $537.8M | — | ||
| Q1 25 | $537.6M | — | ||
| Q4 24 | $538.5M | — | ||
| Q3 24 | $539.5M | — | ||
| Q2 24 | $540.5M | — | ||
| Q1 24 | $541.5M | — |
股东权益CSGSOFG
| Q4 25 | $283.7M | $1.4B | ||
| Q3 25 | $289.5M | $1.4B | ||
| Q2 25 | $290.7M | $1.3B | ||
| Q1 25 | $283.1M | $1.3B | ||
| Q4 24 | $282.6M | $1.3B | ||
| Q3 24 | $288.4M | $1.3B | ||
| Q2 24 | $273.3M | $1.2B | ||
| Q1 24 | $269.3M | $1.2B |
总资产CSGSOFG
| Q4 25 | $1.5B | $12.5B | ||
| Q3 25 | $1.5B | $12.2B | ||
| Q2 25 | $1.4B | $12.2B | ||
| Q1 25 | $1.4B | $11.7B | ||
| Q4 24 | $1.5B | $11.5B | ||
| Q3 24 | $1.4B | $11.5B | ||
| Q2 24 | $1.4B | $11.3B | ||
| Q1 24 | $1.3B | $11.2B |
负债/权益比CSGSOFG
| Q4 25 | 1.90× | — | ||
| Q3 25 | 1.86× | — | ||
| Q2 25 | 1.85× | — | ||
| Q1 25 | 1.90× | — | ||
| Q4 24 | 1.91× | — | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 1.98× | — | ||
| Q1 24 | 2.01× | — |
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 | $59.2M | $217.7M |
| 自由现金流经营现金流 - 资本支出 | $55.8M | $199.3M |
| 自由现金流率自由现金流/营收 | 17.3% | 108.1% |
| 资本支出强度资本支出/营收 | 1.1% | 10.0% |
| 现金转化率经营现金流/净利润 | 8.46× | 3.90× |
| 过去12个月自由现金流最近4个季度 | $141.4M | $345.4M |
8季度趋势，按日历期对齐
经营现金流CSGSOFG
| Q4 25 | $59.2M | $217.7M | ||
| Q3 25 | $47.9M | $39.5M | ||
| Q2 25 | $37.3M | $35.9M | ||
| Q1 25 | $11.5M | $83.1M | ||
| Q4 24 | $82.5M | $252.5M | ||
| Q3 24 | $39.5M | $58.1M | ||
| Q2 24 | $43.1M | $95.1M | ||
| Q1 24 | $-29.4M | $61.0M |
自由现金流CSGSOFG
| Q4 25 | $55.8M | $199.3M | ||
| Q3 25 | $43.9M | $35.5M | ||
| Q2 25 | $34.6M | $31.8M | ||
| Q1 25 | $7.1M | $78.7M | ||
| Q4 24 | $76.6M | $231.2M | ||
| Q3 24 | $32.0M | $51.8M | ||
| Q2 24 | $38.8M | $90.4M | ||
| Q1 24 | $-34.1M | $54.8M |
自由现金流率CSGSOFG
| Q4 25 | 17.3% | 108.1% | ||
| Q3 25 | 14.5% | 19.1% | ||
| Q2 25 | 11.6% | 17.4% | ||
| Q1 25 | 2.4% | 44.1% | ||
| Q4 24 | 24.2% | 126.5% | ||
| Q3 24 | 10.8% | 29.6% | ||
| Q2 24 | 13.4% | 50.3% | ||
| Q1 24 | -11.6% | 31.4% |
资本支出强度CSGSOFG
| Q4 25 | 1.1% | 10.0% | ||
| Q3 25 | 1.3% | 2.1% | ||
| Q2 25 | 0.9% | 2.3% | ||
| Q1 25 | 1.5% | 2.4% | ||
| Q4 24 | 1.9% | 11.7% | ||
| Q3 24 | 2.5% | 3.6% | ||
| Q2 24 | 1.5% | 2.6% | ||
| Q1 24 | 1.6% | 3.5% |
现金转化率CSGSOFG
| Q4 25 | 8.46× | 3.90× | ||
| Q3 25 | 2.34× | 0.76× | ||
| Q2 25 | 3.04× | 0.69× | ||
| Q1 25 | 0.71× | 1.82× | ||
| Q4 24 | 2.39× | 5.02× | ||
| Q3 24 | 2.07× | 1.24× | ||
| Q2 24 | 3.12× | 1.86× | ||
| Q1 24 | -1.51× | 1.23× |
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
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
OFG
暂无分部数据
