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OFG BANCORP（OFG）与Stitch Fix, Inc.（SFIX）财务数据对比。点击上方公司名可切换其他公司
Stitch Fix, Inc.的季度营收约是OFG BANCORP的1.9倍（$342.1M vs $184.3M），OFG BANCORP净利率更高（30.3% vs -1.9%，领先32.2%），Stitch Fix, Inc.同比增速更快（7.3% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $5.6M），过去两年OFG BANCORP的营收复合增速更高（2.8% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
OFG vs SFIX — 直观对比
营收规模更大
SFIX
是对方的1.9倍
$184.3M
营收增速更快
SFIX
高出6.4%
0.9%
净利率更高
OFG
高出32.2%
-1.9%
自由现金流更多
OFG
多$193.8M
$5.6M
两年增速更快
OFG
近两年复合增速
1.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $342.1M |
| 净利润 | $55.9M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | 25.7% | -2.5% |
| 净利率 | 30.3% | -1.9% |
| 营收同比 | 0.9% | 7.3% |
| 净利润同比 | 11.0% | -1.7% |
| 每股收益（稀释后） | $1.27 | $-0.05 |
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OFGSFIX
| Q4 25 | $184.3M | $342.1M | ||
| Q3 25 | $186.2M | $311.2M | ||
| Q2 25 | $182.4M | $325.0M | ||
| Q1 25 | $178.6M | $312.1M | ||
| Q4 24 | $182.7M | $318.8M | ||
| Q3 24 | $174.7M | $319.6M | ||
| Q2 24 | $179.8M | $322.7M | ||
| Q1 24 | $174.4M | $330.4M |
净利润OFGSFIX
| Q4 25 | $55.9M | $-6.4M | ||
| Q3 25 | $51.8M | $-8.6M | ||
| Q2 25 | $51.8M | $-7.4M | ||
| Q1 25 | $45.6M | $-6.5M | ||
| Q4 24 | $50.3M | $-6.3M | ||
| Q3 24 | $47.0M | $-36.5M | ||
| Q2 24 | $51.1M | $-21.3M | ||
| Q1 24 | $49.7M | $-35.5M |
毛利率OFGSFIX
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 43.4% |
营业利润率OFGSFIX
| Q4 25 | 25.7% | -2.5% | ||
| Q3 25 | 33.0% | -3.6% | ||
| Q2 25 | 36.1% | -3.0% | ||
| Q1 25 | 33.3% | -2.9% | ||
| Q4 24 | 28.9% | -2.8% | ||
| Q3 24 | 35.4% | -13.1% | ||
| Q2 24 | 39.6% | -7.7% | ||
| Q1 24 | 38.9% | -11.5% |
净利率OFGSFIX
| Q4 25 | 30.3% | -1.9% | ||
| Q3 25 | 27.8% | -2.8% | ||
| Q2 25 | 28.4% | -2.3% | ||
| Q1 25 | 25.5% | -2.1% | ||
| Q4 24 | 27.6% | -2.0% | ||
| Q3 24 | 26.9% | -11.4% | ||
| Q2 24 | 28.4% | -6.6% | ||
| Q1 24 | 28.5% | -10.8% |
每股收益（稀释后）OFGSFIX
| Q4 25 | $1.27 | $-0.05 | ||
| Q3 25 | $1.16 | $-0.06 | ||
| Q2 25 | $1.15 | $-0.06 | ||
| Q1 25 | $1.00 | $-0.05 | ||
| Q4 24 | $1.10 | $-0.05 | ||
| Q3 24 | $1.00 | $-0.29 | ||
| Q2 24 | $1.08 | $-0.18 | ||
| Q1 24 | $1.05 | $-0.30 |
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 | $244.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $204.1M |
| 总资产 | $12.5B | $530.7M |
| 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OFGSFIX
| Q4 25 | $1.0B | $244.2M | ||
| Q3 25 | $740.3M | $234.9M | ||
| Q2 25 | $851.8M | $234.2M | ||
| Q1 25 | $710.6M | $219.1M | ||
| Q4 24 | $591.1M | $253.3M | ||
| Q3 24 | $680.6M | $247.0M | ||
| Q2 24 | $740.4M | $244.5M | ||
| Q1 24 | $754.4M | $229.8M |
股东权益OFGSFIX
| Q4 25 | $1.4B | $204.1M | ||
| Q3 25 | $1.4B | $203.0M | ||
| Q2 25 | $1.3B | $200.4M | ||
| Q1 25 | $1.3B | $197.8M | ||
| Q4 24 | $1.3B | $190.5M | ||
| Q3 24 | $1.3B | $187.0M | ||
| Q2 24 | $1.2B | $208.9M | ||
| Q1 24 | $1.2B | $213.3M |
总资产OFGSFIX
| Q4 25 | $12.5B | $530.7M | ||
| Q3 25 | $12.2B | $480.6M | ||
| Q2 25 | $12.2B | $484.7M | ||
| Q1 25 | $11.7B | $472.6M | ||
| Q4 24 | $11.5B | $507.1M | ||
| Q3 24 | $11.5B | $486.9M | ||
| Q2 24 | $11.3B | $537.0M | ||
| Q1 24 | $11.2B | $538.3M |
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 | $10.9M |
| 自由现金流经营现金流 - 资本支出 | $199.3M | $5.6M |
| 自由现金流率自由现金流/营收 | 108.1% | 1.6% |
| 资本支出强度资本支出/营收 | 10.0% | 1.6% |
| 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 | $4.9M |
8季度趋势，按日历期对齐
经营现金流OFGSFIX
| Q4 25 | $217.7M | $10.9M | ||
| Q3 25 | $39.5M | $7.0M | ||
| Q2 25 | $35.9M | $20.5M | ||
| Q1 25 | $83.1M | $-16.2M | ||
| Q4 24 | $252.5M | $14.3M | ||
| Q3 24 | $58.1M | $8.2M | ||
| Q2 24 | $95.1M | $21.7M | ||
| Q1 24 | $61.0M | $-22.3M |
自由现金流OFGSFIX
| Q4 25 | $199.3M | $5.6M | ||
| Q3 25 | $35.5M | $2.8M | ||
| Q2 25 | $31.8M | $16.0M | ||
| Q1 25 | $78.7M | $-19.4M | ||
| Q4 24 | $231.2M | $9.9M | ||
| Q3 24 | $51.8M | $4.5M | ||
| Q2 24 | $90.4M | $18.9M | ||
| Q1 24 | $54.8M | $-26.1M |
自由现金流率OFGSFIX
| Q4 25 | 108.1% | 1.6% | ||
| Q3 25 | 19.1% | 0.9% | ||
| Q2 25 | 17.4% | 4.9% | ||
| Q1 25 | 44.1% | -6.2% | ||
| Q4 24 | 126.5% | 3.1% | ||
| Q3 24 | 29.6% | 1.4% | ||
| Q2 24 | 50.3% | 5.9% | ||
| Q1 24 | 31.4% | -7.9% |
资本支出强度OFGSFIX
| Q4 25 | 10.0% | 1.6% | ||
| Q3 25 | 2.1% | 1.4% | ||
| Q2 25 | 2.3% | 1.4% | ||
| Q1 25 | 2.4% | 1.0% | ||
| Q4 24 | 11.7% | 1.4% | ||
| Q3 24 | 3.6% | 1.2% | ||
| Q2 24 | 2.6% | 0.9% | ||
| Q1 24 | 3.5% | 1.1% |
现金转化率OFGSFIX
| 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× | — | ||
| 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
