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Live Oak Bancshares, Inc.（LOB）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
PROGRESS SOFTWARE CORP的季度营收约是Live Oak Bancshares, Inc.的1.7倍（$252.7M vs $145.5M），Live Oak Bancshares, Inc.净利率更高（19.2% vs 10.2%，领先9.0%），Live Oak Bancshares, Inc.同比增速更快（18.4% vs 17.5%），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% vs 7.7%）
Live Oak Bancshares, Inc.是一家美国金融控股公司，旗下子公司Live Oak Bank总部位于北卡罗来纳州威尔明顿，业务覆盖美国全部50个州，专注为小企业主提供金融服务，2022年按放贷金额计是美国SBA 7(a)贷款项目的头部放贷机构。
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。
LOB vs PRGS — 直观对比
营收规模更大
PRGS
是对方的1.7倍
$145.5M
营收增速更快
LOB
高出0.8%
17.5%
净利率更高
LOB
高出9.0%
10.2%
两年增速更快
PRGS
近两年复合增速
7.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $252.7M |
| 净利润 | $27.9M | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | — | 15.2% |
| 净利率 | 19.2% | 10.2% |
| 营收同比 | 18.4% | 17.5% |
| 净利润同比 | 187.6% | 2144.6% |
| 每股收益（稀释后） | $0.60 | $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LOBPRGS
| Q1 26 | $145.5M | — | ||
| Q4 25 | $161.9M | $252.7M | ||
| Q3 25 | $146.1M | $249.8M | ||
| Q2 25 | $143.7M | $237.4M | ||
| Q1 25 | $126.1M | $238.0M | ||
| Q4 24 | $116.9M | $215.0M | ||
| Q3 24 | $129.9M | $178.7M | ||
| Q2 24 | $125.5M | $175.1M |
净利润LOBPRGS
| Q1 26 | $27.9M | — | ||
| Q4 25 | $46.2M | $25.7M | ||
| Q3 25 | $26.5M | $19.4M | ||
| Q2 25 | $23.4M | $17.0M | ||
| Q1 25 | $9.7M | $10.9M | ||
| Q4 24 | $9.9M | $1.1M | ||
| Q3 24 | $13.0M | $28.5M | ||
| Q2 24 | $27.0M | $16.2M |
毛利率LOBPRGS
| Q1 26 | — | — | ||
| 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% |
营业利润率LOBPRGS
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | 15.2% | ||
| Q3 25 | 25.0% | 17.6% | ||
| Q2 25 | 21.7% | 16.3% | ||
| Q1 25 | 10.4% | 13.6% | ||
| Q4 24 | 11.3% | 10.0% | ||
| Q3 24 | 13.7% | 22.6% | ||
| Q2 24 | 28.7% | 15.5% |
净利率LOBPRGS
| Q1 26 | 19.2% | — | ||
| Q4 25 | 28.5% | 10.2% | ||
| Q3 25 | 18.1% | 7.8% | ||
| Q2 25 | 16.3% | 7.2% | ||
| Q1 25 | 7.7% | 4.6% | ||
| Q4 24 | 8.5% | 0.5% | ||
| Q3 24 | 10.0% | 15.9% | ||
| Q2 24 | 21.5% | 9.2% |
每股收益（稀释后）LOBPRGS
| Q1 26 | $0.60 | — | ||
| Q4 25 | $0.96 | $0.59 | ||
| Q3 25 | $0.55 | $0.44 | ||
| Q2 25 | $0.51 | $0.39 | ||
| Q1 25 | $0.21 | $0.24 | ||
| Q4 24 | $0.22 | $0.01 | ||
| Q3 24 | $0.28 | $0.65 | ||
| Q2 24 | $0.59 | $0.37 |
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 | — | $94.8M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $1.3B | $478.3M |
| 总资产 | $15.3B | $2.5B |
| 负债/权益比越低杠杆越低 | — | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资LOBPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | $94.8M | ||
| Q3 25 | — | $99.0M | ||
| Q2 25 | — | $102.0M | ||
| Q1 25 | — | $124.2M | ||
| Q4 24 | — | $118.1M | ||
| Q3 24 | — | $232.7M | ||
| Q2 24 | — | $190.4M |
总债务LOBPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $1.5B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益LOBPRGS
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $478.3M | ||
| Q3 25 | $1.2B | $477.7M | ||
| Q2 25 | $1.1B | $452.7M | ||
| Q1 25 | $1.0B | $431.8M | ||
| Q4 24 | $999.0M | $438.8M | ||
| Q3 24 | $1.0B | $425.6M | ||
| Q2 24 | $961.0M | $401.7M |
总资产LOBPRGS
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.1B | $2.5B | ||
| Q3 25 | $14.7B | $2.4B | ||
| Q2 25 | $13.8B | $2.4B | ||
| Q1 25 | $13.6B | $2.5B | ||
| Q4 24 | $12.9B | $2.5B | ||
| Q3 24 | $12.6B | $1.6B | ||
| Q2 24 | $11.9B | $1.6B |
负债/权益比LOBPRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 2.93× | ||
| Q3 25 | — | 2.97× | ||
| Q2 25 | — | 3.22× | ||
| Q1 25 | — | 3.50× | ||
| Q4 24 | — | 3.48× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $62.8M |
| 自由现金流经营现金流 - 资本支出 | — | $59.9M |
| 自由现金流率自由现金流/营收 | — | 23.7% |
| 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 | — | 2.44× |
| 过去12个月自由现金流最近4个季度 | — | $229.5M |
8季度趋势，按日历期对齐
经营现金流LOBPRGS
| Q1 26 | — | — | ||
| Q4 25 | $158.2M | $62.8M | ||
| Q3 25 | $62.3M | $73.4M | ||
| Q2 25 | $49.2M | $30.0M | ||
| Q1 25 | $-33.0M | $68.9M | ||
| Q4 24 | $156.8M | $19.7M | ||
| Q3 24 | $47.4M | $57.7M | ||
| Q2 24 | $29.5M | $63.7M |
自由现金流LOBPRGS
| Q1 26 | — | — | ||
| Q4 25 | $143.5M | $59.9M | ||
| Q3 25 | $60.6M | $72.4M | ||
| Q2 25 | $47.8M | $29.5M | ||
| Q1 25 | $-35.3M | $67.7M | ||
| Q4 24 | $107.5M | $16.8M | ||
| Q3 24 | $41.0M | $56.6M | ||
| Q2 24 | $12.3M | $62.7M |
自由现金流率LOBPRGS
| Q1 26 | — | — | ||
| Q4 25 | 88.6% | 23.7% | ||
| Q3 25 | 41.4% | 29.0% | ||
| Q2 25 | 33.3% | 12.4% | ||
| Q1 25 | -28.0% | 28.4% | ||
| Q4 24 | 91.9% | 7.8% | ||
| Q3 24 | 31.6% | 31.7% | ||
| Q2 24 | 9.8% | 35.8% |
资本支出强度LOBPRGS
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 1.1% | ||
| Q3 25 | 1.2% | 0.4% | ||
| Q2 25 | 1.0% | 0.2% | ||
| Q1 25 | 1.8% | 0.5% | ||
| Q4 24 | 42.2% | 1.3% | ||
| Q3 24 | 4.9% | 0.6% | ||
| Q2 24 | 13.7% | 0.5% |
现金转化率LOBPRGS
| Q1 26 | — | — | ||
| Q4 25 | 3.42× | 2.44× | ||
| Q3 25 | 2.35× | 3.78× | ||
| Q2 25 | 2.10× | 1.76× | ||
| Q1 25 | -3.39× | 6.30× | ||
| Q4 24 | 15.84× | 17.13× | ||
| Q3 24 | 3.64× | 2.03× | ||
| Q2 24 | 1.10× | 3.93× |
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
LOB
暂无分部数据
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
