vs
loanDepot, Inc.（LDI）与PROGRESS SOFTWARE CORP（PRGS）财务数据对比。点击上方公司名可切换其他公司
loanDepot, Inc.的季度营收约是PROGRESS SOFTWARE CORP的1.2倍（$310.3M vs $252.7M），PROGRESS SOFTWARE CORP净利率更高（10.2% vs -7.2%，领先17.4%），loanDepot, Inc.同比增速更快（20.5% vs 17.5%），PROGRESS SOFTWARE CORP自由现金流更多（$59.9M vs $-648.0M），过去两年loanDepot, Inc.的营收复合增速更高（18.0% vs 17.0%）
loanDepot, Inc.是一家总部位于美国加利福尼亚州欧文市的非银行控股公司，主营抵押贷款及其他非抵押类贷款产品的销售业务，是美国市场上颇具规模的消费信贷服务提供商。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
LDI vs PRGS — 直观对比
营收规模更大
LDI
是对方的1.2倍
$252.7M
营收增速更快
LDI
高出3.0%
17.5%
净利率更高
PRGS
高出17.4%
-7.2%
自由现金流更多
PRGS
多$707.9M
$-648.0M
两年增速更快
LDI
近两年复合增速
17.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $310.3M | $252.7M |
| 净利润 | $-22.5M | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | -10.3% | 15.2% |
| 净利率 | -7.2% | 10.2% |
| 营收同比 | 20.5% | 17.5% |
| 净利润同比 | 32.4% | 2144.6% |
| 每股收益（稀释后） | — | $0.59 |
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LDIPRGS
| Q4 25 | $310.3M | $252.7M | ||
| Q3 25 | $323.3M | $249.8M | ||
| Q2 25 | $282.5M | $237.4M | ||
| Q1 25 | $273.6M | $238.0M | ||
| Q4 24 | $257.5M | $215.0M | ||
| Q3 24 | $314.6M | $178.7M | ||
| Q2 24 | $265.4M | $175.1M | ||
| Q1 24 | $222.8M | $184.7M |
净利润LDIPRGS
| Q4 25 | $-22.5M | $25.7M | ||
| Q3 25 | $-4.9M | $19.4M | ||
| Q2 25 | $-13.4M | $17.0M | ||
| Q1 25 | $-21.9M | $10.9M | ||
| Q4 24 | $-33.2M | $1.1M | ||
| Q3 24 | $1.4M | $28.5M | ||
| Q2 24 | $-32.2M | $16.2M | ||
| Q1 24 | $-34.3M | $22.6M |
毛利率LDIPRGS
| Q4 25 | — | 81.6% | ||
| Q3 25 | — | 81.0% | ||
| Q2 25 | — | 80.1% | ||
| Q1 25 | — | 80.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 83.7% | ||
| Q2 24 | — | 81.7% | ||
| Q1 24 | — | 82.2% |
营业利润率LDIPRGS
| Q4 25 | -10.3% | 15.2% | ||
| Q3 25 | -3.2% | 17.6% | ||
| Q2 25 | -11.4% | 16.3% | ||
| Q1 25 | -16.8% | 13.6% | ||
| Q4 24 | -32.7% | 10.0% | ||
| Q3 24 | 1.1% | 22.6% | ||
| Q2 24 | -29.1% | 15.5% | ||
| Q1 24 | -38.2% | 19.0% |
净利率LDIPRGS
| Q4 25 | -7.2% | 10.2% | ||
| Q3 25 | -1.5% | 7.8% | ||
| Q2 25 | -4.7% | 7.2% | ||
| Q1 25 | -8.0% | 4.6% | ||
| Q4 24 | -12.9% | 0.5% | ||
| Q3 24 | 0.4% | 15.9% | ||
| Q2 24 | -12.1% | 9.2% | ||
| Q1 24 | -15.4% | 12.3% |
每股收益（稀释后）LDIPRGS
| Q4 25 | — | $0.59 | ||
| Q3 25 | — | $0.44 | ||
| Q2 25 | — | $0.39 | ||
| Q1 25 | — | $0.24 | ||
| Q4 24 | — | $0.01 | ||
| Q3 24 | $0.01 | $0.65 | ||
| Q2 24 | $-0.18 | $0.37 | ||
| Q1 24 | $-0.19 | $0.51 |
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 | $337.2M | $94.8M |
| 总债务越低越好 | $2.1B | $1.4B |
| 股东权益账面价值 | $386.0M | $478.3M |
| 总资产 | $6.9B | $2.5B |
| 负债/权益比越低杠杆越低 | 5.44× | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资LDIPRGS
| Q4 25 | $337.2M | $94.8M | ||
| Q3 25 | $459.2M | $99.0M | ||
| Q2 25 | $408.6M | $102.0M | ||
| Q1 25 | $371.5M | $124.2M | ||
| Q4 24 | $421.6M | $118.1M | ||
| Q3 24 | $483.0M | $232.7M | ||
| Q2 24 | $533.2M | $190.4M | ||
| Q1 24 | $603.7M | $133.2M |
总债务LDIPRGS
| Q4 25 | $2.1B | $1.4B | ||
| Q3 25 | $2.1B | $1.4B | ||
| Q2 25 | $2.1B | $1.5B | ||
| Q1 25 | $2.0B | $1.5B | ||
| Q4 24 | $2.0B | $1.5B | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $2.3B | — |
股东权益LDIPRGS
| Q4 25 | $386.0M | $478.3M | ||
| Q3 25 | $433.3M | $477.7M | ||
| Q2 25 | $439.1M | $452.7M | ||
| Q1 25 | $469.3M | $431.8M | ||
| Q4 24 | $506.6M | $438.8M | ||
| Q3 24 | $592.0M | $425.6M | ||
| Q2 24 | $578.9M | $401.7M | ||
| Q1 24 | $637.3M | $461.7M |
总资产LDIPRGS
| Q4 25 | $6.9B | $2.5B | ||
| Q3 25 | $6.2B | $2.4B | ||
| Q2 25 | $6.2B | $2.4B | ||
| Q1 25 | $6.4B | $2.5B | ||
| Q4 24 | $6.3B | $2.5B | ||
| Q3 24 | $6.4B | $1.6B | ||
| Q2 24 | $5.9B | $1.6B | ||
| Q1 24 | $6.2B | $1.5B |
负债/权益比LDIPRGS
| Q4 25 | 5.44× | 2.93× | ||
| Q3 25 | 4.83× | 2.97× | ||
| Q2 25 | 4.70× | 3.22× | ||
| Q1 25 | 4.30× | 3.50× | ||
| Q4 24 | 4.00× | 3.48× | ||
| Q3 24 | 3.31× | — | ||
| Q2 24 | 3.41× | — | ||
| Q1 24 | 3.63× | — |
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 | $-638.7M | $62.8M |
| 自由现金流经营现金流 - 资本支出 | $-648.0M | $59.9M |
| 自由现金流率自由现金流/营收 | -208.9% | 23.7% |
| 资本支出强度资本支出/营收 | 3.0% | 1.1% |
| 现金转化率经营现金流/净利润 | — | 2.44× |
| 过去12个月自由现金流最近4个季度 | $-734.6M | $229.5M |
8季度趋势，按日历期对齐
经营现金流LDIPRGS
| Q4 25 | $-638.7M | $62.8M | ||
| Q3 25 | $43.4M | $73.4M | ||
| Q2 25 | $67.6M | $30.0M | ||
| Q1 25 | $-179.9M | $68.9M | ||
| Q4 24 | $47.7M | $19.7M | ||
| Q3 24 | $-349.2M | $57.7M | ||
| Q2 24 | $-278.3M | $63.7M | ||
| Q1 24 | $-278.5M | $70.5M |
自由现金流LDIPRGS
| Q4 25 | $-648.0M | $59.9M | ||
| Q3 25 | $38.7M | $72.4M | ||
| Q2 25 | $61.4M | $29.5M | ||
| Q1 25 | $-186.7M | $67.7M | ||
| Q4 24 | $40.8M | $16.8M | ||
| Q3 24 | $-356.4M | $56.6M | ||
| Q2 24 | $-285.7M | $62.7M | ||
| Q1 24 | $-283.3M | $70.2M |
自由现金流率LDIPRGS
| Q4 25 | -208.9% | 23.7% | ||
| Q3 25 | 12.0% | 29.0% | ||
| Q2 25 | 21.7% | 12.4% | ||
| Q1 25 | -68.2% | 28.4% | ||
| Q4 24 | 15.8% | 7.8% | ||
| Q3 24 | -113.3% | 31.7% | ||
| Q2 24 | -107.7% | 35.8% | ||
| Q1 24 | -127.2% | 38.0% |
资本支出强度LDIPRGS
| Q4 25 | 3.0% | 1.1% | ||
| Q3 25 | 1.5% | 0.4% | ||
| Q2 25 | 2.2% | 0.2% | ||
| Q1 25 | 2.5% | 0.5% | ||
| Q4 24 | 2.7% | 1.3% | ||
| Q3 24 | 2.3% | 0.6% | ||
| Q2 24 | 2.8% | 0.5% | ||
| Q1 24 | 2.1% | 0.2% |
现金转化率LDIPRGS
| Q4 25 | — | 2.44× | ||
| Q3 25 | — | 3.78× | ||
| Q2 25 | — | 1.76× | ||
| Q1 25 | — | 6.30× | ||
| Q4 24 | — | 17.13× | ||
| Q3 24 | -255.05× | 2.03× | ||
| Q2 24 | — | 3.93× | ||
| Q1 24 | — | 3.11× |
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
LDI
暂无分部数据
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
