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EverCommerce Inc.（EVCM）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EverCommerce Inc.的1.2倍（$184.3M vs $151.2M），OFG BANCORP净利率更高（30.3% vs 4.0%，领先26.3%），EverCommerce Inc.同比增速更快（5.2% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $21.0M），过去两年EverCommerce Inc.的营收复合增速更高（4.7% vs 2.8%）
EverCommerce Inc.是面向服务类中小企业的领先集成SaaS解决方案提供商，核心市场覆盖北美及部分全球区域，产品线包含业务管理、支付处理、客户互动、营销工具等，服务家庭服务、健康康养、健身等多个细分领域。
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。
EVCM vs OFG — 直观对比
营收规模更大
OFG
是对方的1.2倍
$151.2M
营收增速更快
EVCM
高出4.3%
0.9%
净利率更高
OFG
高出26.3%
4.0%
自由现金流更多
OFG
多$178.4M
$21.0M
两年增速更快
EVCM
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $151.2M | $184.3M |
| 净利润 | $6.0M | $55.9M |
| 毛利率 | — | — |
| 营业利润率 | 8.8% | 25.7% |
| 净利率 | 4.0% | 30.3% |
| 营收同比 | 5.2% | 0.9% |
| 净利润同比 | 149.4% | 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EVCMOFG
| Q4 25 | $151.2M | $184.3M | ||
| Q3 25 | $147.5M | $186.2M | ||
| Q2 25 | $148.0M | $182.4M | ||
| Q1 25 | $142.3M | $178.6M | ||
| Q4 24 | $143.7M | $182.7M | ||
| Q3 24 | $140.1M | $174.7M | ||
| Q2 24 | $140.5M | $179.8M | ||
| Q1 24 | $137.9M | $174.4M |
净利润EVCMOFG
| Q4 25 | $6.0M | $55.9M | ||
| Q3 25 | $11.1M | $51.8M | ||
| Q2 25 | $8.2M | $51.8M | ||
| Q1 25 | $-7.7M | $45.6M | ||
| Q4 24 | $-12.2M | $50.3M | ||
| Q3 24 | $-9.2M | $47.0M | ||
| Q2 24 | $-3.4M | $51.1M | ||
| Q1 24 | $-16.3M | $49.7M |
营业利润率EVCMOFG
| Q4 25 | 8.8% | 25.7% | ||
| Q3 25 | 10.8% | 33.0% | ||
| Q2 25 | 10.7% | 36.1% | ||
| Q1 25 | 10.0% | 33.3% | ||
| Q4 24 | 8.8% | 28.9% | ||
| Q3 24 | 7.2% | 35.4% | ||
| Q2 24 | 5.5% | 39.6% | ||
| Q1 24 | -3.1% | 38.9% |
净利率EVCMOFG
| Q4 25 | 4.0% | 30.3% | ||
| Q3 25 | 7.5% | 27.8% | ||
| Q2 25 | 5.5% | 28.4% | ||
| Q1 25 | -5.4% | 25.5% | ||
| Q4 24 | -8.5% | 27.6% | ||
| Q3 24 | -6.5% | 26.9% | ||
| Q2 24 | -2.4% | 28.4% | ||
| Q1 24 | -11.8% | 28.5% |
每股收益（稀释后）EVCMOFG
| Q4 25 | $0.04 | $1.27 | ||
| Q3 25 | $0.06 | $1.16 | ||
| Q2 25 | $0.04 | $1.15 | ||
| Q1 25 | $-0.04 | $1.00 | ||
| Q4 24 | $-0.06 | $1.10 | ||
| Q3 24 | $-0.05 | $1.00 | ||
| Q2 24 | $-0.02 | $1.08 | ||
| Q1 24 | $-0.09 | $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 | $129.7M | $1.0B |
| 总债务越低越好 | $523.4M | — |
| 股东权益账面价值 | $716.9M | $1.4B |
| 总资产 | $1.4B | $12.5B |
| 负债/权益比越低杠杆越低 | 0.73× | — |
8季度趋势，按日历期对齐
现金及短期投资EVCMOFG
| Q4 25 | $129.7M | $1.0B | ||
| Q3 25 | $106.9M | $740.3M | ||
| Q2 25 | $151.1M | $851.8M | ||
| Q1 25 | $148.4M | $710.6M | ||
| Q4 24 | $135.8M | $591.1M | ||
| Q3 24 | $101.6M | $680.6M | ||
| Q2 24 | $86.7M | $740.4M | ||
| Q1 24 | $90.0M | $754.4M |
总债务EVCMOFG
| Q4 25 | $523.4M | — | ||
| Q3 25 | $524.6M | — | ||
| Q2 25 | $525.8M | — | ||
| Q1 25 | $526.9M | — | ||
| Q4 24 | $527.9M | — | ||
| Q3 24 | $529.0M | — | ||
| Q2 24 | $530.1M | — | ||
| Q1 24 | $531.1M | — |
股东权益EVCMOFG
| Q4 25 | $716.9M | $1.4B | ||
| Q3 25 | $728.5M | $1.4B | ||
| Q2 25 | $744.0M | $1.3B | ||
| Q1 25 | $739.6M | $1.3B | ||
| Q4 24 | $750.8M | $1.3B | ||
| Q3 24 | $770.7M | $1.3B | ||
| Q2 24 | $784.1M | $1.2B | ||
| Q1 24 | $800.7M | $1.2B |
总资产EVCMOFG
| Q4 25 | $1.4B | $12.5B | ||
| Q3 25 | $1.4B | $12.2B | ||
| Q2 25 | $1.4B | $12.2B | ||
| Q1 25 | $1.4B | $11.7B | ||
| Q4 24 | $1.4B | $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EVCMOFG
| Q4 25 | 0.73× | — | ||
| Q3 25 | 0.72× | — | ||
| Q2 25 | 0.71× | — | ||
| Q1 25 | 0.71× | — | ||
| Q4 24 | 0.70× | — | ||
| Q3 24 | 0.69× | — | ||
| Q2 24 | 0.68× | — | ||
| Q1 24 | 0.66× | — |
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 | $21.3M | $217.7M |
| 自由现金流经营现金流 - 资本支出 | $21.0M | $199.3M |
| 自由现金流率自由现金流/营收 | 13.9% | 108.1% |
| 资本支出强度资本支出/营收 | 0.2% | 10.0% |
| 现金转化率经营现金流/净利润 | 3.52× | 3.90× |
| 过去12个月自由现金流最近4个季度 | $109.2M | $345.4M |
8季度趋势，按日历期对齐
经营现金流EVCMOFG
| Q4 25 | $21.3M | $217.7M | ||
| Q3 25 | $32.5M | $39.5M | ||
| Q2 25 | $27.0M | $35.9M | ||
| Q1 25 | $30.7M | $83.1M | ||
| Q4 24 | $48.4M | $252.5M | ||
| Q3 24 | $27.5M | $58.1M | ||
| Q2 24 | $23.9M | $95.1M | ||
| Q1 24 | $13.3M | $61.0M |
自由现金流EVCMOFG
| Q4 25 | $21.0M | $199.3M | ||
| Q3 25 | $31.6M | $35.5M | ||
| Q2 25 | $26.5M | $31.8M | ||
| Q1 25 | $30.2M | $78.7M | ||
| Q4 24 | $48.2M | $231.2M | ||
| Q3 24 | $27.4M | $51.8M | ||
| Q2 24 | $23.3M | $90.4M | ||
| Q1 24 | $12.9M | $54.8M |
自由现金流率EVCMOFG
| Q4 25 | 13.9% | 108.1% | ||
| Q3 25 | 21.4% | 19.1% | ||
| Q2 25 | 17.9% | 17.4% | ||
| Q1 25 | 21.2% | 44.1% | ||
| Q4 24 | 33.5% | 126.5% | ||
| Q3 24 | 19.5% | 29.6% | ||
| Q2 24 | 16.6% | 50.3% | ||
| Q1 24 | 9.4% | 31.4% |
资本支出强度EVCMOFG
| Q4 25 | 0.2% | 10.0% | ||
| Q3 25 | 0.6% | 2.1% | ||
| Q2 25 | 0.3% | 2.3% | ||
| Q1 25 | 0.3% | 2.4% | ||
| Q4 24 | 0.2% | 11.7% | ||
| Q3 24 | 0.1% | 3.6% | ||
| Q2 24 | 0.5% | 2.6% | ||
| Q1 24 | 0.3% | 3.5% |
现金转化率EVCMOFG
| Q4 25 | 3.52× | 3.90× | ||
| Q3 25 | 2.93× | 0.76× | ||
| Q2 25 | 3.31× | 0.69× | ||
| Q1 25 | — | 1.82× | ||
| Q4 24 | — | 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
业务分部营收拆解
EVCM
| Transferred Over Time | $146.4M | 97% |
| Transferred At Point In Time | $4.8M | 3% |
OFG
暂无分部数据
