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CARRIAGE SERVICES INC（CSV）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CARRIAGE SERVICES INC的1.7倍（$184.3M vs $105.5M），OFG BANCORP净利率更高（30.3% vs 11.6%，领先18.7%），CARRIAGE SERVICES INC同比增速更快（8.0% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $6.2M），过去两年OFG BANCORP的营收复合增速更高（2.8% vs 1.0%）
怡和Cycle & Carriage有限公司是怡和集团在东南亚的投资控股公司，目前该集团持有其75%的股份，是怡和集团在东南亚区域开展资本布局与投资业务的核心平台。
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。
CSV vs OFG — 直观对比
营收规模更大
OFG
是对方的1.7倍
$105.5M
营收增速更快
CSV
高出7.1%
0.9%
净利率更高
OFG
高出18.7%
11.6%
自由现金流更多
OFG
多$193.1M
$6.2M
两年增速更快
OFG
近两年复合增速
1.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $105.5M | $184.3M |
| 净利润 | $12.3M | $55.9M |
| 毛利率 | 34.8% | — |
| 营业利润率 | 23.3% | 25.7% |
| 净利率 | 11.6% | 30.3% |
| 营收同比 | 8.0% | 0.9% |
| 净利润同比 | 24.5% | 11.0% |
| 每股收益（稀释后） | $0.76 | $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CSVOFG
| Q4 25 | $105.5M | $184.3M | ||
| Q3 25 | $102.7M | $186.2M | ||
| Q2 25 | $102.1M | $182.4M | ||
| Q1 25 | $107.1M | $178.6M | ||
| Q4 24 | $97.7M | $182.7M | ||
| Q3 24 | $100.7M | $174.7M | ||
| Q2 24 | $102.3M | $179.8M | ||
| Q1 24 | $103.5M | $174.4M |
净利润CSVOFG
| Q4 25 | $12.3M | $55.9M | ||
| Q3 25 | $6.6M | $51.8M | ||
| Q2 25 | $11.7M | $51.8M | ||
| Q1 25 | $20.9M | $45.6M | ||
| Q4 24 | $9.9M | $50.3M | ||
| Q3 24 | $9.9M | $47.0M | ||
| Q2 24 | $6.3M | $51.1M | ||
| Q1 24 | $7.0M | $49.7M |
毛利率CSVOFG
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
营业利润率CSVOFG
| Q4 25 | 23.3% | 25.7% | ||
| Q3 25 | 17.0% | 33.0% | ||
| Q2 25 | 23.5% | 36.1% | ||
| Q1 25 | 29.5% | 33.3% | ||
| Q4 24 | 21.6% | 28.9% | ||
| Q3 24 | 22.7% | 35.4% | ||
| Q2 24 | 18.0% | 39.6% | ||
| Q1 24 | 18.8% | 38.9% |
净利率CSVOFG
| Q4 25 | 11.6% | 30.3% | ||
| Q3 25 | 6.4% | 27.8% | ||
| Q2 25 | 11.5% | 28.4% | ||
| Q1 25 | 19.5% | 25.5% | ||
| Q4 24 | 10.1% | 27.6% | ||
| Q3 24 | 9.8% | 26.9% | ||
| Q2 24 | 6.1% | 28.4% | ||
| Q1 24 | 6.7% | 28.5% |
每股收益（稀释后）CSVOFG
| Q4 25 | $0.76 | $1.27 | ||
| Q3 25 | $0.41 | $1.16 | ||
| Q2 25 | $0.74 | $1.15 | ||
| Q1 25 | $1.34 | $1.00 | ||
| Q4 24 | $0.62 | $1.10 | ||
| Q3 24 | $0.63 | $1.00 | ||
| Q2 24 | $0.40 | $1.08 | ||
| Q1 24 | $0.45 | $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 | $1.7M | $1.0B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $254.8M | $1.4B |
| 总资产 | $1.3B | $12.5B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CSVOFG
| Q4 25 | $1.7M | $1.0B | ||
| Q3 25 | $1.2M | $740.3M | ||
| Q2 25 | $1.4M | $851.8M | ||
| Q1 25 | $4.6M | $710.6M | ||
| Q4 24 | $1.2M | $591.1M | ||
| Q3 24 | $1.3M | $680.6M | ||
| Q2 24 | $1.5M | $740.4M | ||
| Q1 24 | $1.7M | $754.4M |
股东权益CSVOFG
| Q4 25 | $254.8M | $1.4B | ||
| Q3 25 | $242.1M | $1.4B | ||
| Q2 25 | $235.4M | $1.3B | ||
| Q1 25 | $223.1M | $1.3B | ||
| Q4 24 | $208.6M | $1.3B | ||
| Q3 24 | $198.1M | $1.3B | ||
| Q2 24 | $187.9M | $1.2B | ||
| Q1 24 | $179.6M | $1.2B |
总资产CSVOFG
| Q4 25 | $1.3B | $12.5B | ||
| Q3 25 | $1.3B | $12.2B | ||
| Q2 25 | $1.3B | $12.2B | ||
| Q1 25 | $1.3B | $11.7B | ||
| Q4 24 | $1.3B | $11.5B | ||
| Q3 24 | $1.3B | $11.5B | ||
| Q2 24 | $1.3B | $11.3B | ||
| Q1 24 | $1.3B | $11.2B |
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 | $14.1M | $217.7M |
| 自由现金流经营现金流 - 资本支出 | $6.2M | $199.3M |
| 自由现金流率自由现金流/营收 | 5.9% | 108.1% |
| 资本支出强度资本支出/营收 | 7.5% | 10.0% |
| 现金转化率经营现金流/净利润 | 1.15× | 3.90× |
| 过去12个月自由现金流最近4个季度 | $40.1M | $345.4M |
8季度趋势，按日历期对齐
经营现金流CSVOFG
| Q4 25 | $14.1M | $217.7M | ||
| Q3 25 | $24.7M | $39.5M | ||
| Q2 25 | $8.1M | $35.9M | ||
| Q1 25 | $13.8M | $83.1M | ||
| Q4 24 | $9.3M | $252.5M | ||
| Q3 24 | $20.9M | $58.1M | ||
| Q2 24 | $2.2M | $95.1M | ||
| Q1 24 | $19.7M | $61.0M |
自由现金流CSVOFG
| Q4 25 | $6.2M | $199.3M | ||
| Q3 25 | $18.0M | $35.5M | ||
| Q2 25 | $5.2M | $31.8M | ||
| Q1 25 | $10.6M | $78.7M | ||
| Q4 24 | $4.9M | $231.2M | ||
| Q3 24 | $16.2M | $51.8M | ||
| Q2 24 | $-1.4M | $90.4M | ||
| Q1 24 | $16.2M | $54.8M |
自由现金流率CSVOFG
| Q4 25 | 5.9% | 108.1% | ||
| Q3 25 | 17.5% | 19.1% | ||
| Q2 25 | 5.1% | 17.4% | ||
| Q1 25 | 9.9% | 44.1% | ||
| Q4 24 | 5.0% | 126.5% | ||
| Q3 24 | 16.1% | 29.6% | ||
| Q2 24 | -1.4% | 50.3% | ||
| Q1 24 | 15.6% | 31.4% |
资本支出强度CSVOFG
| Q4 25 | 7.5% | 10.0% | ||
| Q3 25 | 6.5% | 2.1% | ||
| Q2 25 | 2.8% | 2.3% | ||
| Q1 25 | 3.0% | 2.4% | ||
| Q4 24 | 4.5% | 11.7% | ||
| Q3 24 | 4.6% | 3.6% | ||
| Q2 24 | 3.5% | 2.6% | ||
| Q1 24 | 3.4% | 3.5% |
现金转化率CSVOFG
| Q4 25 | 1.15× | 3.90× | ||
| Q3 25 | 3.76× | 0.76× | ||
| Q2 25 | 0.69× | 0.69× | ||
| Q1 25 | 0.66× | 1.82× | ||
| Q4 24 | 0.94× | 5.02× | ||
| Q3 24 | 2.11× | 1.24× | ||
| Q2 24 | 0.34× | 1.86× | ||
| Q1 24 | 2.83× | 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
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
OFG
暂无分部数据
