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MONRO, INC.（MNRO）与OFG BANCORP（OFG）财务数据对比。点击上方公司名可切换其他公司
MONRO, INC.的季度营收约是OFG BANCORP的1.6倍（$293.4M vs $184.3M），OFG BANCORP净利率更高（30.3% vs 3.8%，领先26.5%），OFG BANCORP同比增速更快（0.9% vs -4.0%），OFG BANCORP自由现金流更多（$199.3M vs $9.1M），过去两年OFG BANCORP的营收复合增速更高（2.8% vs -2.7%）
蒙罗公司（Monro, Inc.）是一家汽车服务企业，创始并总部设在美国纽约州罗切斯特。截至2025年，蒙罗共拥有1260家门店，按门店数量与营收计算，是北美仅次于Driven Brands的第二大汽车服务企业。
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。
MNRO vs OFG — 直观对比
营收规模更大
MNRO
是对方的1.6倍
$184.3M
营收增速更快
OFG
高出4.9%
-4.0%
净利率更高
OFG
高出26.5%
3.8%
自由现金流更多
OFG
多$190.2M
$9.1M
两年增速更快
OFG
近两年复合增速
-2.7%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $293.4M | $184.3M |
| 净利润 | $11.1M | $55.9M |
| 毛利率 | 34.9% | — |
| 营业利润率 | 6.3% | 25.7% |
| 净利率 | 3.8% | 30.3% |
| 营收同比 | -4.0% | 0.9% |
| 净利润同比 | 143.1% | 11.0% |
| 每股收益（稀释后） | $0.35 | $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MNROOFG
| Q4 25 | $293.4M | $184.3M | ||
| Q3 25 | $288.9M | $186.2M | ||
| Q2 25 | $301.0M | $182.4M | ||
| Q1 25 | $295.0M | $178.6M | ||
| Q4 24 | $305.8M | $182.7M | ||
| Q3 24 | $301.4M | $174.7M | ||
| Q2 24 | $293.2M | $179.8M | ||
| Q1 24 | $310.1M | $174.4M |
净利润MNROOFG
| Q4 25 | $11.1M | $55.9M | ||
| Q3 25 | $5.7M | $51.8M | ||
| Q2 25 | $-8.1M | $51.8M | ||
| Q1 25 | $-21.3M | $45.6M | ||
| Q4 24 | $4.6M | $50.3M | ||
| Q3 24 | $5.6M | $47.0M | ||
| Q2 24 | $5.9M | $51.1M | ||
| Q1 24 | $3.7M | $49.7M |
毛利率MNROOFG
| Q4 25 | 34.9% | — | ||
| Q3 25 | 35.7% | — | ||
| Q2 25 | 35.5% | — | ||
| Q1 25 | 33.0% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 35.3% | — | ||
| Q2 24 | 37.2% | — | ||
| Q1 24 | 35.5% | — |
营业利润率MNROOFG
| Q4 25 | 6.3% | 25.7% | ||
| Q3 25 | 4.4% | 33.0% | ||
| Q2 25 | -2.0% | 36.1% | ||
| Q1 25 | -8.1% | 33.3% | ||
| Q4 24 | 3.3% | 28.9% | ||
| Q3 24 | 4.4% | 35.4% | ||
| Q2 24 | 4.5% | 39.6% | ||
| Q1 24 | 3.3% | 38.9% |
净利率MNROOFG
| Q4 25 | 3.8% | 30.3% | ||
| Q3 25 | 2.0% | 27.8% | ||
| Q2 25 | -2.7% | 28.4% | ||
| Q1 25 | -7.2% | 25.5% | ||
| Q4 24 | 1.5% | 27.6% | ||
| Q3 24 | 1.9% | 26.9% | ||
| Q2 24 | 2.0% | 28.4% | ||
| Q1 24 | 1.2% | 28.5% |
每股收益（稀释后）MNROOFG
| Q4 25 | $0.35 | $1.27 | ||
| Q3 25 | $0.18 | $1.16 | ||
| Q2 25 | $-0.28 | $1.15 | ||
| Q1 25 | $-0.74 | $1.00 | ||
| Q4 24 | $0.15 | $1.10 | ||
| Q3 24 | $0.18 | $1.00 | ||
| Q2 24 | $0.19 | $1.08 | ||
| Q1 24 | $0.12 | $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 | $4.9M | $1.0B |
| 总债务越低越好 | $45.0M | — |
| 股东权益账面价值 | $604.9M | $1.4B |
| 总资产 | $1.6B | $12.5B |
| 负债/权益比越低杠杆越低 | 0.07× | — |
8季度趋势，按日历期对齐
现金及短期投资MNROOFG
| Q4 25 | $4.9M | $1.0B | ||
| Q3 25 | $10.5M | $740.3M | ||
| Q2 25 | $7.8M | $851.8M | ||
| Q1 25 | $20.8M | $710.6M | ||
| Q4 24 | $10.2M | $591.1M | ||
| Q3 24 | $20.9M | $680.6M | ||
| Q2 24 | $18.7M | $740.4M | ||
| Q1 24 | $6.6M | $754.4M |
总债务MNROOFG
| Q4 25 | $45.0M | — | ||
| Q3 25 | $60.0M | — | ||
| Q2 25 | $71.5M | — | ||
| Q1 25 | $61.3M | — | ||
| Q4 24 | $59.3M | — | ||
| Q3 24 | $62.0M | — | ||
| Q2 24 | $112.0M | — | ||
| Q1 24 | $102.0M | — |
股东权益MNROOFG
| Q4 25 | $604.9M | $1.4B | ||
| Q3 25 | $601.7M | $1.4B | ||
| Q2 25 | $604.9M | $1.3B | ||
| Q1 25 | $620.8M | $1.3B | ||
| Q4 24 | $648.9M | $1.3B | ||
| Q3 24 | $651.9M | $1.3B | ||
| Q2 24 | $654.4M | $1.2B | ||
| Q1 24 | $656.8M | $1.2B |
总资产MNROOFG
| Q4 25 | $1.6B | $12.5B | ||
| Q3 25 | $1.6B | $12.2B | ||
| Q2 25 | $1.6B | $12.2B | ||
| Q1 25 | $1.6B | $11.7B | ||
| Q4 24 | $1.7B | $11.5B | ||
| Q3 24 | $1.7B | $11.5B | ||
| Q2 24 | $1.7B | $11.3B | ||
| Q1 24 | $1.7B | $11.2B |
负债/权益比MNROOFG
| Q4 25 | 0.07× | — | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.09× | — | ||
| Q3 24 | 0.10× | — | ||
| Q2 24 | 0.17× | — | ||
| Q1 24 | 0.16× | — |
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 | $17.8M | $217.7M |
| 自由现金流经营现金流 - 资本支出 | $9.1M | $199.3M |
| 自由现金流率自由现金流/营收 | 3.1% | 108.1% |
| 资本支出强度资本支出/营收 | 3.0% | 10.0% |
| 现金转化率经营现金流/净利润 | 1.60× | 3.90× |
| 过去12个月自由现金流最近4个季度 | $49.6M | $345.4M |
8季度趋势，按日历期对齐
经营现金流MNROOFG
| Q4 25 | $17.8M | $217.7M | ||
| Q3 25 | $32.3M | $39.5M | ||
| Q2 25 | $-1.9M | $35.9M | ||
| Q1 25 | $28.9M | $83.1M | ||
| Q4 24 | $14.8M | $252.5M | ||
| Q3 24 | $62.6M | $58.1M | ||
| Q2 24 | $25.6M | $95.1M | ||
| Q1 24 | $-5.3M | $61.0M |
自由现金流MNROOFG
| Q4 25 | $9.1M | $199.3M | ||
| Q3 25 | $26.6M | $35.5M | ||
| Q2 25 | $-9.3M | $31.8M | ||
| Q1 25 | $23.2M | $78.7M | ||
| Q4 24 | $7.9M | $231.2M | ||
| Q3 24 | $57.6M | $51.8M | ||
| Q2 24 | $16.8M | $90.4M | ||
| Q1 24 | $-11.9M | $54.8M |
自由现金流率MNROOFG
| Q4 25 | 3.1% | 108.1% | ||
| Q3 25 | 9.2% | 19.1% | ||
| Q2 25 | -3.1% | 17.4% | ||
| Q1 25 | 7.9% | 44.1% | ||
| Q4 24 | 2.6% | 126.5% | ||
| Q3 24 | 19.1% | 29.6% | ||
| Q2 24 | 5.7% | 50.3% | ||
| Q1 24 | -3.8% | 31.4% |
资本支出强度MNROOFG
| Q4 25 | 3.0% | 10.0% | ||
| Q3 25 | 2.0% | 2.1% | ||
| Q2 25 | 2.5% | 2.3% | ||
| Q1 25 | 1.9% | 2.4% | ||
| Q4 24 | 2.2% | 11.7% | ||
| Q3 24 | 1.6% | 3.6% | ||
| Q2 24 | 3.0% | 2.6% | ||
| Q1 24 | 2.1% | 3.5% |
现金转化率MNROOFG
| Q4 25 | 1.60× | 3.90× | ||
| Q3 25 | 5.71× | 0.76× | ||
| Q2 25 | — | 0.69× | ||
| Q1 25 | — | 1.82× | ||
| Q4 24 | 3.23× | 5.02× | ||
| Q3 24 | 11.08× | 1.24× | ||
| Q2 24 | 4.37× | 1.86× | ||
| Q1 24 | -1.42× | 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
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
OFG
暂无分部数据
