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南玻集团（CSGS）与Oportun Financial Corp（OPRT）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Oportun Financial Corp的1.3倍（$323.1M vs $247.7M），南玻集团净利率更高（2.2% vs 1.4%，领先0.8%），南玻集团同比增速更快（2.0% vs -1.3%），过去两年南玻集团的营收复合增速更高（4.6% vs -0.5%）
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。
Oportun Financial Corp是总部位于美国的金融科技公司，专注为信用记录有限或无信用记录的中低收入弱势消费群体提供个人贷款、信用卡、储蓄产品等可负担的金融服务，依托自研AI风控模型保障服务公平性与风险可控。
CSGS vs OPRT — 直观对比
营收规模更大
CSGS
是对方的1.3倍
$247.7M
营收增速更快
CSGS
高出3.3%
-1.3%
净利率更高
CSGS
高出0.8%
1.4%
两年增速更快
CSGS
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $323.1M | $247.7M |
| 净利润 | $7.0M | $3.4M |
| 毛利率 | 50.0% | — |
| 营业利润率 | 9.0% | 2.6% |
| 净利率 | 2.2% | 1.4% |
| 营收同比 | 2.0% | -1.3% |
| 净利润同比 | -79.7% | -61.0% |
| 每股收益（稀释后） | $0.24 | $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
营收CSGSOPRT
| Q4 25 | $323.1M | $247.7M | ||
| Q3 25 | $303.6M | $238.7M | ||
| Q2 25 | $297.1M | $234.3M | ||
| Q1 25 | $299.5M | $235.9M | ||
| Q4 24 | $316.7M | $250.9M | ||
| Q3 24 | $295.1M | $250.0M | ||
| Q2 24 | $290.3M | $250.4M | ||
| Q1 24 | $295.1M | $250.5M |
净利润CSGSOPRT
| Q4 25 | $7.0M | $3.4M | ||
| Q3 25 | $20.5M | $5.2M | ||
| Q2 25 | $12.3M | $6.9M | ||
| Q1 25 | $16.1M | $9.8M | ||
| Q4 24 | $34.5M | $8.7M | ||
| Q3 24 | $19.1M | $-30.0M | ||
| Q2 24 | $13.8M | $-31.0M | ||
| Q1 24 | $19.5M | $-26.4M |
毛利率CSGSOPRT
| 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CSGSOPRT
| Q4 25 | 9.0% | 2.6% | ||
| Q3 25 | 10.0% | 6.0% | ||
| Q2 25 | 10.0% | 4.3% | ||
| Q1 25 | 9.8% | 5.6% | ||
| Q4 24 | 13.4% | 89.6% | ||
| Q3 24 | 10.8% | -15.8% | ||
| Q2 24 | 8.8% | -19.6% | ||
| Q1 24 | 10.8% | -12.2% |
净利率CSGSOPRT
| Q4 25 | 2.2% | 1.4% | ||
| Q3 25 | 6.7% | 2.2% | ||
| Q2 25 | 4.1% | 2.9% | ||
| Q1 25 | 5.4% | 4.1% | ||
| Q4 24 | 10.9% | 200.1% | ||
| Q3 24 | 6.5% | -12.0% | ||
| Q2 24 | 4.8% | -12.4% | ||
| Q1 24 | 6.6% | -10.6% |
每股收益（稀释后）CSGSOPRT
| Q4 25 | $0.24 | $0.07 | ||
| Q3 25 | $0.73 | $0.11 | ||
| Q2 25 | $0.44 | $0.14 | ||
| Q1 25 | $0.57 | $0.21 | ||
| Q4 24 | $1.20 | $0.26 | ||
| Q3 24 | $0.67 | $-0.75 | ||
| Q2 24 | $0.48 | $-0.78 | ||
| Q1 24 | $0.68 | $-0.68 |
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 | $105.5M |
| 总债务越低越好 | $539.5M | — |
| 股东权益账面价值 | $283.7M | $390.1M |
| 总资产 | $1.5B | $3.3B |
| 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CSGSOPRT
| Q4 25 | $180.0M | $105.5M | ||
| Q3 25 | $158.4M | $104.6M | ||
| Q2 25 | $145.9M | $96.8M | ||
| Q1 25 | $136.0M | $78.5M | ||
| Q4 24 | $161.8M | $60.0M | ||
| Q3 24 | $118.4M | $71.8M | ||
| Q2 24 | $110.4M | $72.9M | ||
| Q1 24 | $120.8M | $69.2M |
总债务CSGSOPRT
| 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CSGSOPRT
| Q4 25 | $283.7M | $390.1M | ||
| Q3 25 | $289.5M | $383.9M | ||
| Q2 25 | $290.7M | $376.0M | ||
| Q1 25 | $283.1M | $366.1M | ||
| Q4 24 | $282.6M | $353.8M | ||
| Q3 24 | $288.4M | $327.6M | ||
| Q2 24 | $273.3M | $354.1M | ||
| Q1 24 | $269.3M | $382.0M |
总资产CSGSOPRT
| Q4 25 | $1.5B | $3.3B | ||
| Q3 25 | $1.5B | $3.2B | ||
| Q2 25 | $1.4B | $3.2B | ||
| Q1 25 | $1.4B | $3.2B | ||
| Q4 24 | $1.5B | $3.2B | ||
| Q3 24 | $1.4B | $3.3B | ||
| Q2 24 | $1.4B | $3.3B | ||
| Q1 24 | $1.3B | $3.3B |
负债/权益比CSGSOPRT
| 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 | $413.4M |
| 自由现金流经营现金流 - 资本支出 | $55.8M | — |
| 自由现金流率自由现金流/营收 | 17.3% | — |
| 资本支出强度资本支出/营收 | 1.1% | — |
| 现金转化率经营现金流/净利润 | 8.46× | 121.45× |
| 过去12个月自由现金流最近4个季度 | $141.4M | — |
8季度趋势，按日历期对齐
经营现金流CSGSOPRT
| Q4 25 | $59.2M | $413.4M | ||
| Q3 25 | $47.9M | $99.0M | ||
| Q2 25 | $37.3M | $104.5M | ||
| Q1 25 | $11.5M | $101.0M | ||
| Q4 24 | $82.5M | $393.5M | ||
| Q3 24 | $39.5M | $108.5M | ||
| Q2 24 | $43.1M | $107.7M | ||
| Q1 24 | $-29.4M | $85.9M |
自由现金流CSGSOPRT
| Q4 25 | $55.8M | — | ||
| Q3 25 | $43.9M | — | ||
| Q2 25 | $34.6M | — | ||
| Q1 25 | $7.1M | — | ||
| Q4 24 | $76.6M | — | ||
| Q3 24 | $32.0M | — | ||
| Q2 24 | $38.8M | — | ||
| Q1 24 | $-34.1M | — |
自由现金流率CSGSOPRT
| Q4 25 | 17.3% | — | ||
| Q3 25 | 14.5% | — | ||
| Q2 25 | 11.6% | — | ||
| Q1 25 | 2.4% | — | ||
| Q4 24 | 24.2% | — | ||
| Q3 24 | 10.8% | — | ||
| Q2 24 | 13.4% | — | ||
| Q1 24 | -11.6% | — |
资本支出强度CSGSOPRT
| Q4 25 | 1.1% | — | ||
| Q3 25 | 1.3% | — | ||
| Q2 25 | 0.9% | — | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 1.9% | — | ||
| Q3 24 | 2.5% | — | ||
| Q2 24 | 1.5% | — | ||
| Q1 24 | 1.6% | — |
现金转化率CSGSOPRT
| Q4 25 | 8.46× | 121.45× | ||
| Q3 25 | 2.34× | 19.05× | ||
| Q2 25 | 3.04× | 15.20× | ||
| Q1 25 | 0.71× | 10.34× | ||
| Q4 24 | 2.39× | 45.04× | ||
| Q3 24 | 2.07× | — | ||
| Q2 24 | 3.12× | — | ||
| Q1 24 | -1.51× | — |
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% |
OPRT
暂无分部数据
