vs
OFG BANCORP（OFG）与Penguin Solutions, Inc.（PENG）财务数据对比。点击上方公司名可切换其他公司
Penguin Solutions, Inc.的季度营收约是OFG BANCORP的1.9倍（$343.1M vs $184.3M），OFG BANCORP净利率更高（30.3% vs 1.5%，领先28.8%），OFG BANCORP同比增速更快（0.9% vs 0.6%），OFG BANCORP自由现金流更多（$199.3M vs $28.2M），过去两年Penguin Solutions, Inc.的营收复合增速更高（11.8% 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。
企鹅解决方案公司旗下的兰波集团以拉姆齐解决方案品牌开展业务，是一家美国企业，业务涵盖个人理财、领导力发展、人际关系管理与职业发展相关产品与服务。该公司由戴夫·拉姆齐与妻子莎伦于1991年创立，总部位于田纳西州富兰克林。
OFG vs PENG — 直观对比
营收规模更大
PENG
是对方的1.9倍
$184.3M
营收增速更快
OFG
高出0.3%
0.6%
净利率更高
OFG
高出28.8%
1.5%
自由现金流更多
OFG
多$171.1M
$28.2M
两年增速更快
PENG
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $343.1M |
| 净利润 | $55.9M | $5.3M |
| 毛利率 | — | 28.0% |
| 营业利润率 | 25.7% | 5.7% |
| 净利率 | 30.3% | 1.5% |
| 营收同比 | 0.9% | 0.6% |
| 净利润同比 | 11.0% | 1.0% |
| 每股收益（稀释后） | $1.27 | $0.04 |
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OFGPENG
| Q4 25 | $184.3M | $343.1M | ||
| Q3 25 | $186.2M | $337.9M | ||
| Q2 25 | $182.4M | $324.3M | ||
| Q1 25 | $178.6M | $365.5M | ||
| Q4 24 | $182.7M | $341.1M | ||
| Q3 24 | $174.7M | $284.8M | ||
| Q2 24 | $179.8M | $300.6M | ||
| Q1 24 | $174.4M | — |
净利润OFGPENG
| Q4 25 | $55.9M | $5.3M | ||
| Q3 25 | $51.8M | $9.4M | ||
| Q2 25 | $51.8M | $2.7M | ||
| Q1 25 | $45.6M | $8.1M | ||
| Q4 24 | $50.3M | $5.2M | ||
| Q3 24 | $47.0M | — | ||
| Q2 24 | $51.1M | $5.6M | ||
| Q1 24 | $49.7M | — |
毛利率OFGPENG
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 28.6% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.6% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 28.8% | ||
| Q2 24 | — | 29.6% | ||
| Q1 24 | — | — |
营业利润率OFGPENG
| Q4 25 | 25.7% | 5.7% | ||
| Q3 25 | 33.0% | 3.7% | ||
| Q2 25 | 36.1% | 3.0% | ||
| Q1 25 | 33.3% | 5.1% | ||
| Q4 24 | 28.9% | 5.1% | ||
| Q3 24 | 35.4% | -1.2% | ||
| Q2 24 | 39.6% | 3.8% | ||
| Q1 24 | 38.9% | — |
净利率OFGPENG
| Q4 25 | 30.3% | 1.5% | ||
| Q3 25 | 27.8% | 2.8% | ||
| Q2 25 | 28.4% | 0.8% | ||
| Q1 25 | 25.5% | 2.2% | ||
| Q4 24 | 27.6% | 1.5% | ||
| Q3 24 | 26.9% | — | ||
| Q2 24 | 28.4% | 1.9% | ||
| Q1 24 | 28.5% | — |
每股收益（稀释后）OFGPENG
| Q4 25 | $1.27 | $0.04 | ||
| Q3 25 | $1.16 | $0.10 | ||
| Q2 25 | $1.15 | $-0.01 | ||
| Q1 25 | $1.00 | $0.09 | ||
| Q4 24 | $1.10 | $0.10 | ||
| Q3 24 | $1.00 | — | ||
| Q2 24 | $1.08 | $0.10 | ||
| Q1 24 | $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 | $1.0B | $461.5M |
| 总债务越低越好 | — | $462.3M |
| 股东权益账面价值 | $1.4B | $389.7M |
| 总资产 | $12.5B | $1.6B |
| 负债/权益比越低杠杆越低 | — | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资OFGPENG
| Q4 25 | $1.0B | $461.5M | ||
| Q3 25 | $740.3M | $453.8M | ||
| Q2 25 | $851.8M | $735.5M | ||
| Q1 25 | $710.6M | $647.0M | ||
| Q4 24 | $591.1M | $393.7M | ||
| Q3 24 | $680.6M | $389.5M | ||
| Q2 24 | $740.4M | $467.5M | ||
| Q1 24 | $754.4M | — |
总债务OFGPENG
| Q4 25 | — | $462.3M | ||
| Q3 25 | — | $461.8M | ||
| Q2 25 | — | $659.5M | ||
| Q1 25 | — | $658.8M | ||
| Q4 24 | — | $658.1M | ||
| Q3 24 | — | $657.3M | ||
| Q2 24 | — | $667.0M | ||
| Q1 24 | — | — |
股东权益OFGPENG
| Q4 25 | $1.4B | $389.7M | ||
| Q3 25 | $1.4B | $394.2M | ||
| Q2 25 | $1.3B | $584.8M | ||
| Q1 25 | $1.3B | $602.5M | ||
| Q4 24 | $1.3B | $400.4M | ||
| Q3 24 | $1.3B | $391.4M | ||
| Q2 24 | $1.2B | $423.4M | ||
| Q1 24 | $1.2B | — |
总资产OFGPENG
| Q4 25 | $12.5B | $1.6B | ||
| Q3 25 | $12.2B | $1.6B | ||
| Q2 25 | $12.2B | $1.8B | ||
| Q1 25 | $11.7B | $1.8B | ||
| Q4 24 | $11.5B | $1.6B | ||
| Q3 24 | $11.5B | $1.5B | ||
| Q2 24 | $11.3B | $1.5B | ||
| Q1 24 | $11.2B | — |
负债/权益比OFGPENG
| Q4 25 | — | 1.19× | ||
| Q3 25 | — | 1.17× | ||
| Q2 25 | — | 1.13× | ||
| Q1 25 | — | 1.09× | ||
| Q4 24 | — | 1.64× | ||
| Q3 24 | — | 1.68× | ||
| Q2 24 | — | 1.58× | ||
| Q1 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 | $217.7M | $31.1M |
| 自由现金流经营现金流 - 资本支出 | $199.3M | $28.2M |
| 自由现金流率自由现金流/营收 | 108.1% | 8.2% |
| 资本支出强度资本支出/营收 | 10.0% | 0.8% |
| 现金转化率经营现金流/净利润 | 3.90× | 5.89× |
| 过去12个月自由现金流最近4个季度 | $345.4M | $116.3M |
8季度趋势，按日历期对齐
经营现金流OFGPENG
| Q4 25 | $217.7M | $31.1M | ||
| Q3 25 | $39.5M | $-70.4M | ||
| Q2 25 | $35.9M | $92.8M | ||
| Q1 25 | $83.1M | $72.9M | ||
| Q4 24 | $252.5M | $13.8M | ||
| Q3 24 | $58.1M | — | ||
| Q2 24 | $95.1M | $57.9M | ||
| Q1 24 | $61.0M | — |
自由现金流OFGPENG
| Q4 25 | $199.3M | $28.2M | ||
| Q3 25 | $35.5M | $-73.4M | ||
| Q2 25 | $31.8M | $90.9M | ||
| Q1 25 | $78.7M | $70.5M | ||
| Q4 24 | $231.2M | $12.0M | ||
| Q3 24 | $51.8M | — | ||
| Q2 24 | $90.4M | $48.9M | ||
| Q1 24 | $54.8M | — |
自由现金流率OFGPENG
| Q4 25 | 108.1% | 8.2% | ||
| Q3 25 | 19.1% | -21.7% | ||
| Q2 25 | 17.4% | 28.0% | ||
| Q1 25 | 44.1% | 19.3% | ||
| Q4 24 | 126.5% | 3.5% | ||
| Q3 24 | 29.6% | — | ||
| Q2 24 | 50.3% | 16.3% | ||
| Q1 24 | 31.4% | — |
资本支出强度OFGPENG
| Q4 25 | 10.0% | 0.8% | ||
| Q3 25 | 2.1% | 0.9% | ||
| Q2 25 | 2.3% | 0.6% | ||
| Q1 25 | 2.4% | 0.6% | ||
| Q4 24 | 11.7% | 0.5% | ||
| Q3 24 | 3.6% | — | ||
| Q2 24 | 2.6% | 3.0% | ||
| Q1 24 | 3.5% | — |
现金转化率OFGPENG
| Q4 25 | 3.90× | 5.89× | ||
| Q3 25 | 0.76× | -7.47× | ||
| Q2 25 | 0.69× | 34.88× | ||
| Q1 25 | 1.82× | 9.02× | ||
| Q4 24 | 5.02× | 2.65× | ||
| Q3 24 | 1.24× | — | ||
| Q2 24 | 1.86× | 10.30× | ||
| Q1 24 | 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
OFG
暂无分部数据
PENG
| Integrated Memory Segment | $171.6M | 50% |
| Advanced Computing Segment | $115.7M | 34% |
| Optimized LED Segment | $55.7M | 16% |
