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OFG BANCORP（OFG）与PROCORE TECHNOLOGIES, INC.（PCOR）财务数据对比。点击上方公司名可切换其他公司
PROCORE TECHNOLOGIES, INC.的季度营收约是OFG BANCORP的1.9倍（$359.3M vs $184.3M），OFG BANCORP净利率更高（30.3% vs -2.5%，领先32.9%），PROCORE TECHNOLOGIES, INC.同比增速更快（15.7% vs 0.9%），过去两年PROCORE TECHNOLOGIES, INC.的营收复合增速更高（12.4% 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。
Procore Technologies是2002年成立的美国建筑管理软件即服务（SaaS）企业，总部位于加利福尼亚州卡平特里亚。公司打造的全球平台可连接建筑行业从业者，支持搭建简化工作流，统一展现建筑项目信息，覆盖任务追踪、项目流程管理、日程排期等核心功能。
OFG vs PCOR — 直观对比
营收规模更大
PCOR
是对方的1.9倍
$184.3M
营收增速更快
PCOR
高出14.8%
0.9%
净利率更高
OFG
高出32.9%
-2.5%
两年增速更快
PCOR
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $359.3M |
| 净利润 | $55.9M | $-9.1M |
| 毛利率 | — | 80.1% |
| 营业利润率 | 25.7% | 15.5% |
| 净利率 | 30.3% | -2.5% |
| 营收同比 | 0.9% | 15.7% |
| 净利润同比 | 11.0% | 72.4% |
| 每股收益（稀释后） | $1.27 | $-0.06 |
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OFGPCOR
| Q1 26 | — | $359.3M | ||
| Q4 25 | $184.3M | $349.1M | ||
| Q3 25 | $186.2M | $338.9M | ||
| Q2 25 | $182.4M | $323.9M | ||
| Q1 25 | $178.6M | $310.6M | ||
| Q4 24 | $182.7M | $302.0M | ||
| Q3 24 | $174.7M | $295.9M | ||
| Q2 24 | $179.8M | $284.3M |
净利润OFGPCOR
| Q1 26 | — | $-9.1M | ||
| Q4 25 | $55.9M | $-37.6M | ||
| Q3 25 | $51.8M | $-9.1M | ||
| Q2 25 | $51.8M | $-21.1M | ||
| Q1 25 | $45.6M | $-33.0M | ||
| Q4 24 | $50.3M | $-62.3M | ||
| Q3 24 | $47.0M | $-26.4M | ||
| Q2 24 | $51.1M | $-6.3M |
毛利率OFGPCOR
| Q1 26 | — | 80.1% | ||
| Q4 25 | — | 80.1% | ||
| Q3 25 | — | 79.7% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 79.1% | ||
| Q4 24 | — | 81.2% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 83.1% |
营业利润率OFGPCOR
| Q1 26 | — | 15.5% | ||
| Q4 25 | 25.7% | -12.3% | ||
| Q3 25 | 33.0% | -4.4% | ||
| Q2 25 | 36.1% | -9.3% | ||
| Q1 25 | 33.3% | -11.7% | ||
| Q4 24 | 28.9% | -21.9% | ||
| Q3 24 | 35.4% | -12.3% | ||
| Q2 24 | 39.6% | -5.2% |
净利率OFGPCOR
| Q1 26 | — | -2.5% | ||
| Q4 25 | 30.3% | -10.8% | ||
| Q3 25 | 27.8% | -2.7% | ||
| Q2 25 | 28.4% | -6.5% | ||
| Q1 25 | 25.5% | -10.6% | ||
| Q4 24 | 27.6% | -20.6% | ||
| Q3 24 | 26.9% | -8.9% | ||
| Q2 24 | 28.4% | -2.2% |
每股收益（稀释后）OFGPCOR
| Q1 26 | — | $-0.06 | ||
| Q4 25 | $1.27 | $-0.25 | ||
| Q3 25 | $1.16 | $-0.06 | ||
| Q2 25 | $1.15 | $-0.14 | ||
| Q1 25 | $1.00 | $-0.22 | ||
| Q4 24 | $1.10 | $-0.42 | ||
| Q3 24 | $1.00 | $-0.18 | ||
| Q2 24 | $1.08 | $-0.04 |
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 | $386.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $1.2B |
| 总资产 | $12.5B | $2.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资OFGPCOR
| Q1 26 | — | $386.0M | ||
| Q4 25 | $1.0B | $768.5M | ||
| Q3 25 | $740.3M | $684.0M | ||
| Q2 25 | $851.8M | $620.9M | ||
| Q1 25 | $710.6M | $566.7M | ||
| Q4 24 | $591.1M | $775.4M | ||
| Q3 24 | $680.6M | $756.9M | ||
| Q2 24 | $740.4M | $735.4M |
股东权益OFGPCOR
| Q1 26 | — | $1.2B | ||
| Q4 25 | $1.4B | $1.3B | ||
| Q3 25 | $1.4B | $1.2B | ||
| Q2 25 | $1.3B | $1.2B | ||
| Q1 25 | $1.3B | $1.2B | ||
| Q4 24 | $1.3B | $1.3B | ||
| Q3 24 | $1.3B | $1.3B | ||
| Q2 24 | $1.2B | $1.3B |
总资产OFGPCOR
| Q1 26 | — | $2.1B | ||
| Q4 25 | $12.5B | $2.2B | ||
| Q3 25 | $12.2B | $2.1B | ||
| Q2 25 | $12.2B | $2.0B | ||
| Q1 25 | $11.7B | $1.9B | ||
| Q4 24 | $11.5B | $2.1B | ||
| Q3 24 | $11.5B | $2.0B | ||
| Q2 24 | $11.3B | $2.0B |
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 | $76.8M |
| 自由现金流经营现金流 - 资本支出 | $199.3M | — |
| 自由现金流率自由现金流/营收 | 108.1% | — |
| 资本支出强度资本支出/营收 | 10.0% | — |
| 现金转化率经营现金流/净利润 | 3.90× | — |
| 过去12个月自由现金流最近4个季度 | $345.4M | — |
8季度趋势，按日历期对齐
经营现金流OFGPCOR
| Q1 26 | — | $76.8M | ||
| Q4 25 | $217.7M | $114.9M | ||
| Q3 25 | $39.5M | $88.5M | ||
| Q2 25 | $35.9M | $30.8M | ||
| Q1 25 | $83.1M | $66.0M | ||
| Q4 24 | $252.5M | $29.1M | ||
| Q3 24 | $58.1M | $39.3M | ||
| Q2 24 | $95.1M | $58.7M |
自由现金流OFGPCOR
| Q1 26 | — | — | ||
| Q4 25 | $199.3M | $109.2M | ||
| Q3 25 | $35.5M | $83.1M | ||
| Q2 25 | $31.8M | $27.9M | ||
| Q1 25 | $78.7M | $62.0M | ||
| Q4 24 | $231.2M | $17.4M | ||
| Q3 24 | $51.8M | $35.7M | ||
| Q2 24 | $90.4M | $56.8M |
自由现金流率OFGPCOR
| Q1 26 | — | — | ||
| Q4 25 | 108.1% | 31.3% | ||
| Q3 25 | 19.1% | 24.5% | ||
| Q2 25 | 17.4% | 8.6% | ||
| Q1 25 | 44.1% | 20.0% | ||
| Q4 24 | 126.5% | 5.8% | ||
| Q3 24 | 29.6% | 12.1% | ||
| Q2 24 | 50.3% | 20.0% |
资本支出强度OFGPCOR
| Q1 26 | — | — | ||
| Q4 25 | 10.0% | 1.6% | ||
| Q3 25 | 2.1% | 1.6% | ||
| Q2 25 | 2.3% | 0.9% | ||
| Q1 25 | 2.4% | 1.3% | ||
| Q4 24 | 11.7% | 3.9% | ||
| Q3 24 | 3.6% | 1.2% | ||
| Q2 24 | 2.6% | 0.7% |
现金转化率OFGPCOR
| Q1 26 | — | — | ||
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 1.82× | — | ||
| Q4 24 | 5.02× | — | ||
| Q3 24 | 1.24× | — | ||
| Q2 24 | 1.86× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
