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OFG BANCORP（OFG）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OFG BANCORP的1.4倍（$252.7M vs $184.3M），OFG BANCORP净利率更高（30.3% vs 10.2%，领先20.1%），PROGRESS SOFTWARE CORP同比增速更快（17.5% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $59.9M），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% 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。
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。
OFG vs PRGS — 直观对比
营收规模更大
PRGS
是对方的1.4倍
$184.3M
营收增速更快
PRGS
高出16.7%
0.9%
净利率更高
OFG
高出20.1%
10.2%
自由现金流更多
OFG
多$139.4M
$59.9M
两年增速更快
PRGS
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $252.7M |
| 净利润 | $55.9M | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | 25.7% | 15.2% |
| 净利率 | 30.3% | 10.2% |
| 营收同比 | 0.9% | 17.5% |
| 净利润同比 | 11.0% | 2144.6% |
| 每股收益（稀释后） | $1.27 | $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OFGPRGS
| Q4 25 | $184.3M | $252.7M | ||
| Q3 25 | $186.2M | $249.8M | ||
| Q2 25 | $182.4M | $237.4M | ||
| Q1 25 | $178.6M | $238.0M | ||
| Q4 24 | $182.7M | $215.0M | ||
| Q3 24 | $174.7M | $178.7M | ||
| Q2 24 | $179.8M | $175.1M | ||
| Q1 24 | $174.4M | $184.7M |
净利润OFGPRGS
| Q4 25 | $55.9M | $25.7M | ||
| Q3 25 | $51.8M | $19.4M | ||
| Q2 25 | $51.8M | $17.0M | ||
| Q1 25 | $45.6M | $10.9M | ||
| Q4 24 | $50.3M | $1.1M | ||
| Q3 24 | $47.0M | $28.5M | ||
| Q2 24 | $51.1M | $16.2M | ||
| Q1 24 | $49.7M | $22.6M |
毛利率OFGPRGS
| 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% | ||
| Q1 24 | — | 82.2% |
营业利润率OFGPRGS
| Q4 25 | 25.7% | 15.2% | ||
| Q3 25 | 33.0% | 17.6% | ||
| Q2 25 | 36.1% | 16.3% | ||
| Q1 25 | 33.3% | 13.6% | ||
| Q4 24 | 28.9% | 10.0% | ||
| Q3 24 | 35.4% | 22.6% | ||
| Q2 24 | 39.6% | 15.5% | ||
| Q1 24 | 38.9% | 19.0% |
净利率OFGPRGS
| Q4 25 | 30.3% | 10.2% | ||
| Q3 25 | 27.8% | 7.8% | ||
| Q2 25 | 28.4% | 7.2% | ||
| Q1 25 | 25.5% | 4.6% | ||
| Q4 24 | 27.6% | 0.5% | ||
| Q3 24 | 26.9% | 15.9% | ||
| Q2 24 | 28.4% | 9.2% | ||
| Q1 24 | 28.5% | 12.3% |
每股收益（稀释后）OFGPRGS
| Q4 25 | $1.27 | $0.59 | ||
| Q3 25 | $1.16 | $0.44 | ||
| Q2 25 | $1.15 | $0.39 | ||
| Q1 25 | $1.00 | $0.24 | ||
| Q4 24 | $1.10 | $0.01 | ||
| Q3 24 | $1.00 | $0.65 | ||
| Q2 24 | $1.08 | $0.37 | ||
| Q1 24 | $1.05 | $0.51 |
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 | $94.8M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $1.4B | $478.3M |
| 总资产 | $12.5B | $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OFGPRGS
| Q4 25 | $1.0B | $94.8M | ||
| Q3 25 | $740.3M | $99.0M | ||
| Q2 25 | $851.8M | $102.0M | ||
| Q1 25 | $710.6M | $124.2M | ||
| Q4 24 | $591.1M | $118.1M | ||
| Q3 24 | $680.6M | $232.7M | ||
| Q2 24 | $740.4M | $190.4M | ||
| Q1 24 | $754.4M | $133.2M |
总债务OFGPRGS
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $1.5B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益OFGPRGS
| Q4 25 | $1.4B | $478.3M | ||
| Q3 25 | $1.4B | $477.7M | ||
| Q2 25 | $1.3B | $452.7M | ||
| Q1 25 | $1.3B | $431.8M | ||
| Q4 24 | $1.3B | $438.8M | ||
| Q3 24 | $1.3B | $425.6M | ||
| Q2 24 | $1.2B | $401.7M | ||
| Q1 24 | $1.2B | $461.7M |
总资产OFGPRGS
| Q4 25 | $12.5B | $2.5B | ||
| Q3 25 | $12.2B | $2.4B | ||
| Q2 25 | $12.2B | $2.4B | ||
| Q1 25 | $11.7B | $2.5B | ||
| Q4 24 | $11.5B | $2.5B | ||
| Q3 24 | $11.5B | $1.6B | ||
| Q2 24 | $11.3B | $1.6B | ||
| Q1 24 | $11.2B | $1.5B |
负债/权益比OFGPRGS
| Q4 25 | — | 2.93× | ||
| Q3 25 | — | 2.97× | ||
| Q2 25 | — | 3.22× | ||
| Q1 25 | — | 3.50× | ||
| Q4 24 | — | 3.48× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $62.8M |
| 自由现金流经营现金流 - 资本支出 | $199.3M | $59.9M |
| 自由现金流率自由现金流/营收 | 108.1% | 23.7% |
| 资本支出强度资本支出/营收 | 10.0% | 1.1% |
| 现金转化率经营现金流/净利润 | 3.90× | 2.44× |
| 过去12个月自由现金流最近4个季度 | $345.4M | $229.5M |
8季度趋势，按日历期对齐
经营现金流OFGPRGS
| Q4 25 | $217.7M | $62.8M | ||
| Q3 25 | $39.5M | $73.4M | ||
| Q2 25 | $35.9M | $30.0M | ||
| Q1 25 | $83.1M | $68.9M | ||
| Q4 24 | $252.5M | $19.7M | ||
| Q3 24 | $58.1M | $57.7M | ||
| Q2 24 | $95.1M | $63.7M | ||
| Q1 24 | $61.0M | $70.5M |
自由现金流OFGPRGS
| Q4 25 | $199.3M | $59.9M | ||
| Q3 25 | $35.5M | $72.4M | ||
| Q2 25 | $31.8M | $29.5M | ||
| Q1 25 | $78.7M | $67.7M | ||
| Q4 24 | $231.2M | $16.8M | ||
| Q3 24 | $51.8M | $56.6M | ||
| Q2 24 | $90.4M | $62.7M | ||
| Q1 24 | $54.8M | $70.2M |
自由现金流率OFGPRGS
| Q4 25 | 108.1% | 23.7% | ||
| Q3 25 | 19.1% | 29.0% | ||
| Q2 25 | 17.4% | 12.4% | ||
| Q1 25 | 44.1% | 28.4% | ||
| Q4 24 | 126.5% | 7.8% | ||
| Q3 24 | 29.6% | 31.7% | ||
| Q2 24 | 50.3% | 35.8% | ||
| Q1 24 | 31.4% | 38.0% |
资本支出强度OFGPRGS
| Q4 25 | 10.0% | 1.1% | ||
| Q3 25 | 2.1% | 0.4% | ||
| Q2 25 | 2.3% | 0.2% | ||
| Q1 25 | 2.4% | 0.5% | ||
| Q4 24 | 11.7% | 1.3% | ||
| Q3 24 | 3.6% | 0.6% | ||
| Q2 24 | 2.6% | 0.5% | ||
| Q1 24 | 3.5% | 0.2% |
现金转化率OFGPRGS
| Q4 25 | 3.90× | 2.44× | ||
| Q3 25 | 0.76× | 3.78× | ||
| Q2 25 | 0.69× | 1.76× | ||
| Q1 25 | 1.82× | 6.30× | ||
| Q4 24 | 5.02× | 17.13× | ||
| Q3 24 | 1.24× | 2.03× | ||
| Q2 24 | 1.86× | 3.93× | ||
| Q1 24 | 1.23× | 3.11× |
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
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
