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OFG BANCORP（OFG）与ONESPAWORLD HOLDINGS Ltd（OSW）财务数据对比。点击上方公司名可切换其他公司
ONESPAWORLD HOLDINGS Ltd的季度营收约是OFG BANCORP的1.3倍（$242.1M vs $184.3M），OFG BANCORP净利率更高（30.3% vs 5.0%，领先25.3%），ONESPAWORLD HOLDINGS Ltd同比增速更快（11.5% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $14.9M），过去两年ONESPAWORLD HOLDINGS Ltd的营收复合增速更高（7.1% vs 2.8%）
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。
OFG vs OSW — 直观对比
营收规模更大
OSW
是对方的1.3倍
$184.3M
营收增速更快
OSW
高出10.6%
0.9%
净利率更高
OFG
高出25.3%
5.0%
自由现金流更多
OFG
多$184.4M
$14.9M
两年增速更快
OSW
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $242.1M |
| 净利润 | $55.9M | $12.1M |
| 毛利率 | — | — |
| 营业利润率 | 25.7% | 6.8% |
| 净利率 | 30.3% | 5.0% |
| 营收同比 | 0.9% | 11.5% |
| 净利润同比 | 11.0% | -16.2% |
| 每股收益（稀释后） | $1.27 | $0.12 |
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OFGOSW
| Q4 25 | $184.3M | $242.1M | ||
| Q3 25 | $186.2M | $258.5M | ||
| Q2 25 | $182.4M | $240.7M | ||
| Q1 25 | $178.6M | $219.6M | ||
| Q4 24 | $182.7M | $217.2M | ||
| Q3 24 | $174.7M | $241.7M | ||
| Q2 24 | $179.8M | $224.9M | ||
| Q1 24 | $174.4M | $211.2M |
净利润OFGOSW
| Q4 25 | $55.9M | $12.1M | ||
| Q3 25 | $51.8M | $24.3M | ||
| Q2 25 | $51.8M | $19.9M | ||
| Q1 25 | $45.6M | $15.3M | ||
| Q4 24 | $50.3M | $14.4M | ||
| Q3 24 | $47.0M | $21.6M | ||
| Q2 24 | $51.1M | $15.8M | ||
| Q1 24 | $49.7M | $21.2M |
营业利润率OFGOSW
| Q4 25 | 25.7% | 6.8% | ||
| Q3 25 | 33.0% | 10.2% | ||
| Q2 25 | 36.1% | 9.2% | ||
| Q1 25 | 33.3% | 7.7% | ||
| Q4 24 | 28.9% | 7.9% | ||
| Q3 24 | 35.4% | 10.3% | ||
| Q2 24 | 39.6% | 8.4% | ||
| Q1 24 | 38.9% | 8.0% |
净利率OFGOSW
| Q4 25 | 30.3% | 5.0% | ||
| Q3 25 | 27.8% | 9.4% | ||
| Q2 25 | 28.4% | 8.3% | ||
| Q1 25 | 25.5% | 7.0% | ||
| Q4 24 | 27.6% | 6.6% | ||
| Q3 24 | 26.9% | 8.9% | ||
| Q2 24 | 28.4% | 7.0% | ||
| Q1 24 | 28.5% | 10.0% |
每股收益（稀释后）OFGOSW
| Q4 25 | $1.27 | $0.12 | ||
| Q3 25 | $1.16 | $0.23 | ||
| Q2 25 | $1.15 | $0.19 | ||
| Q1 25 | $1.00 | $0.15 | ||
| Q4 24 | $1.10 | $0.13 | ||
| Q3 24 | $1.00 | $0.20 | ||
| Q2 24 | $1.08 | $0.15 | ||
| Q1 24 | $1.05 | $0.21 |
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 | $1.0B | $16.3M |
| 总债务越低越好 | — | $84.0M |
| 股东权益账面价值 | $1.4B | $542.6M |
| 总资产 | $12.5B | $707.1M |
| 负债/权益比越低杠杆越低 | — | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资OFGOSW
| Q4 25 | $1.0B | $16.3M | ||
| Q3 25 | $740.3M | $29.6M | ||
| Q2 25 | $851.8M | $35.0M | ||
| Q1 25 | $710.6M | $22.6M | ||
| Q4 24 | $591.1M | $57.4M | ||
| Q3 24 | $680.6M | $48.8M | ||
| Q2 24 | $740.4M | $62.5M | ||
| Q1 24 | $754.4M | $65.4M |
总债务OFGOSW
| Q4 25 | — | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | — | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M | ||
| Q1 24 | — | $138.6M |
股东权益OFGOSW
| Q4 25 | $1.4B | $542.6M | ||
| Q3 25 | $1.4B | $552.8M | ||
| Q2 25 | $1.3B | $548.3M | ||
| Q1 25 | $1.3B | $530.6M | ||
| Q4 24 | $1.3B | $554.5M | ||
| Q3 24 | $1.3B | $540.1M | ||
| Q2 24 | $1.2B | $532.7M | ||
| Q1 24 | $1.2B | $515.5M |
总资产OFGOSW
| Q4 25 | $12.5B | $707.1M | ||
| Q3 25 | $12.2B | $732.6M | ||
| Q2 25 | $12.2B | $731.8M | ||
| Q1 25 | $11.7B | $708.7M | ||
| Q4 24 | $11.5B | $746.4M | ||
| Q3 24 | $11.5B | $734.0M | ||
| Q2 24 | $11.3B | $756.8M | ||
| Q1 24 | $11.2B | $763.6M |
负债/权益比OFGOSW
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.27× |
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 | $217.7M | $20.0M |
| 自由现金流经营现金流 - 资本支出 | $199.3M | $14.9M |
| 自由现金流率自由现金流/营收 | 108.1% | 6.2% |
| 资本支出强度资本支出/营收 | 10.0% | 2.1% |
| 现金转化率经营现金流/净利润 | 3.90× | 1.65× |
| 过去12个月自由现金流最近4个季度 | $345.4M | $68.4M |
8季度趋势，按日历期对齐
经营现金流OFGOSW
| Q4 25 | $217.7M | $20.0M | ||
| Q3 25 | $39.5M | $33.2M | ||
| Q2 25 | $35.9M | $20.3M | ||
| Q1 25 | $83.1M | $10.1M | ||
| Q4 24 | $252.5M | $16.6M | ||
| Q3 24 | $58.1M | $28.6M | ||
| Q2 24 | $95.1M | $18.7M | ||
| Q1 24 | $61.0M | $15.0M |
自由现金流OFGOSW
| Q4 25 | $199.3M | $14.9M | ||
| Q3 25 | $35.5M | $27.6M | ||
| Q2 25 | $31.8M | $17.6M | ||
| Q1 25 | $78.7M | $8.4M | ||
| Q4 24 | $231.2M | $13.2M | ||
| Q3 24 | $51.8M | $27.5M | ||
| Q2 24 | $90.4M | $17.6M | ||
| Q1 24 | $54.8M | $13.7M |
自由现金流率OFGOSW
| Q4 25 | 108.1% | 6.2% | ||
| Q3 25 | 19.1% | 10.7% | ||
| Q2 25 | 17.4% | 7.3% | ||
| Q1 25 | 44.1% | 3.8% | ||
| Q4 24 | 126.5% | 6.1% | ||
| Q3 24 | 29.6% | 11.4% | ||
| Q2 24 | 50.3% | 7.8% | ||
| Q1 24 | 31.4% | 6.5% |
资本支出强度OFGOSW
| Q4 25 | 10.0% | 2.1% | ||
| Q3 25 | 2.1% | 2.2% | ||
| Q2 25 | 2.3% | 1.1% | ||
| Q1 25 | 2.4% | 0.8% | ||
| Q4 24 | 11.7% | 1.5% | ||
| Q3 24 | 3.6% | 0.5% | ||
| Q2 24 | 2.6% | 0.5% | ||
| Q1 24 | 3.5% | 0.6% |
现金转化率OFGOSW
| Q4 25 | 3.90× | 1.65× | ||
| Q3 25 | 0.76× | 1.36× | ||
| Q2 25 | 0.69× | 1.02× | ||
| Q1 25 | 1.82× | 0.66× | ||
| Q4 24 | 5.02× | 1.15× | ||
| Q3 24 | 1.24× | 1.33× | ||
| Q2 24 | 1.86× | 1.19× | ||
| Q1 24 | 1.23× | 0.71× |
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
OFG
暂无分部数据
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
