vs
OFG BANCORP（OFG）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
OFG BANCORP的季度营收约是null的1.8倍（$184.3M vs $100.0M），OFG BANCORP净利率更高（30.3% vs -7.0%，领先37.3%），null同比增速更快（14.5% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $14.1M），过去两年OFG BANCORP的营收复合增速更高（2.8% vs -4.9%）
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。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
OFG vs SWIM — 直观对比
营收规模更大
OFG
是对方的1.8倍
$100.0M
营收增速更快
SWIM
高出13.6%
0.9%
净利率更高
OFG
高出37.3%
-7.0%
自由现金流更多
OFG
多$185.3M
$14.1M
两年增速更快
OFG
近两年复合增速
-4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $100.0M |
| 净利润 | $55.9M | $-7.0M |
| 毛利率 | — | 28.0% |
| 营业利润率 | 25.7% | -10.7% |
| 净利率 | 30.3% | -7.0% |
| 营收同比 | 0.9% | 14.5% |
| 净利润同比 | 11.0% | 76.0% |
| 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OFGSWIM
| Q4 25 | $184.3M | $100.0M | ||
| Q3 25 | $186.2M | $161.9M | ||
| Q2 25 | $182.4M | $172.6M | ||
| Q1 25 | $178.6M | $111.4M | ||
| Q4 24 | $182.7M | $87.3M | ||
| Q3 24 | $174.7M | $150.5M | ||
| Q2 24 | $179.8M | $160.1M | ||
| Q1 24 | $174.4M | $110.6M |
净利润OFGSWIM
| Q4 25 | $55.9M | $-7.0M | ||
| Q3 25 | $51.8M | $8.1M | ||
| Q2 25 | $51.8M | $16.0M | ||
| Q1 25 | $45.6M | $-6.0M | ||
| Q4 24 | $50.3M | $-29.2M | ||
| Q3 24 | $47.0M | $5.9M | ||
| Q2 24 | $51.1M | $13.3M | ||
| Q1 24 | $49.7M | $-7.9M |
毛利率OFGSWIM
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% | ||
| Q1 24 | — | 27.7% |
营业利润率OFGSWIM
| Q4 25 | 25.7% | -10.7% | ||
| Q3 25 | 33.0% | 13.3% | ||
| Q2 25 | 36.1% | 14.3% | ||
| Q1 25 | 33.3% | -4.4% | ||
| Q4 24 | 28.9% | -14.9% | ||
| Q3 24 | 35.4% | 8.9% | ||
| Q2 24 | 39.6% | 12.5% | ||
| Q1 24 | 38.9% | -1.9% |
净利率OFGSWIM
| Q4 25 | 30.3% | -7.0% | ||
| Q3 25 | 27.8% | 5.0% | ||
| Q2 25 | 28.4% | 9.3% | ||
| Q1 25 | 25.5% | -5.4% | ||
| Q4 24 | 27.6% | -33.4% | ||
| Q3 24 | 26.9% | 3.9% | ||
| Q2 24 | 28.4% | 8.3% | ||
| Q1 24 | 28.5% | -7.1% |
每股收益（稀释后）OFGSWIM
| Q4 25 | $1.27 | $-0.06 | ||
| Q3 25 | $1.16 | $0.07 | ||
| Q2 25 | $1.15 | $0.13 | ||
| Q1 25 | $1.00 | $-0.05 | ||
| Q4 24 | $1.10 | $-0.24 | ||
| Q3 24 | $1.00 | $0.05 | ||
| Q2 24 | $1.08 | $0.11 | ||
| Q1 24 | $1.05 | $-0.07 |
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 | — |
| 总债务越低越好 | — | $279.8M |
| 股东权益账面价值 | $1.4B | $405.9M |
| 总资产 | $12.5B | $823.2M |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资OFGSWIM
| Q4 25 | $1.0B | — | ||
| Q3 25 | $740.3M | — | ||
| Q2 25 | $851.8M | — | ||
| Q1 25 | $710.6M | — | ||
| Q4 24 | $591.1M | — | ||
| Q3 24 | $680.6M | — | ||
| Q2 24 | $740.4M | — | ||
| Q1 24 | $754.4M | — |
总债务OFGSWIM
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M | ||
| Q1 24 | — | $282.8M |
股东权益OFGSWIM
| Q4 25 | $1.4B | $405.9M | ||
| Q3 25 | $1.4B | $408.4M | ||
| Q2 25 | $1.3B | $398.4M | ||
| Q1 25 | $1.3B | $381.1M | ||
| Q4 24 | $1.3B | $387.2M | ||
| Q3 24 | $1.3B | $416.6M | ||
| Q2 24 | $1.2B | $408.1M | ||
| Q1 24 | $1.2B | $391.8M |
总资产OFGSWIM
| Q4 25 | $12.5B | $823.2M | ||
| Q3 25 | $12.2B | $844.4M | ||
| Q2 25 | $12.2B | $822.1M | ||
| Q1 25 | $11.7B | $824.6M | ||
| Q4 24 | $11.5B | $794.2M | ||
| Q3 24 | $11.5B | $853.4M | ||
| Q2 24 | $11.3B | $830.0M | ||
| Q1 24 | $11.2B | $808.6M |
负债/权益比OFGSWIM
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× | ||
| Q1 24 | — | 0.72× |
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 | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $199.3M | $14.1M |
| 自由现金流率自由现金流/营收 | 108.1% | 14.1% |
| 资本支出强度资本支出/营收 | 10.0% | 9.2% |
| 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 | $38.0M |
8季度趋势，按日历期对齐
经营现金流OFGSWIM
| Q4 25 | $217.7M | $23.3M | ||
| Q3 25 | $39.5M | $51.0M | ||
| Q2 25 | $35.9M | $36.0M | ||
| Q1 25 | $83.1M | $-46.9M | ||
| Q4 24 | $252.5M | $6.2M | ||
| Q3 24 | $58.1M | $37.2M | ||
| Q2 24 | $95.1M | $52.4M | ||
| Q1 24 | $61.0M | $-34.5M |
自由现金流OFGSWIM
| Q4 25 | $199.3M | $14.1M | ||
| Q3 25 | $35.5M | $45.2M | ||
| Q2 25 | $31.8M | $29.1M | ||
| Q1 25 | $78.7M | $-50.3M | ||
| Q4 24 | $231.2M | $-98.0K | ||
| Q3 24 | $51.8M | $33.2M | ||
| Q2 24 | $90.4M | $47.9M | ||
| Q1 24 | $54.8M | $-39.9M |
自由现金流率OFGSWIM
| Q4 25 | 108.1% | 14.1% | ||
| Q3 25 | 19.1% | 27.9% | ||
| Q2 25 | 17.4% | 16.8% | ||
| Q1 25 | 44.1% | -45.2% | ||
| Q4 24 | 126.5% | -0.1% | ||
| Q3 24 | 29.6% | 22.1% | ||
| Q2 24 | 50.3% | 29.9% | ||
| Q1 24 | 31.4% | -36.0% |
资本支出强度OFGSWIM
| Q4 25 | 10.0% | 9.2% | ||
| Q3 25 | 2.1% | 3.6% | ||
| Q2 25 | 2.3% | 4.0% | ||
| Q1 25 | 2.4% | 3.1% | ||
| Q4 24 | 11.7% | 7.2% | ||
| Q3 24 | 3.6% | 2.7% | ||
| Q2 24 | 2.6% | 2.8% | ||
| Q1 24 | 3.5% | 4.8% |
现金转化率OFGSWIM
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | 6.29× | ||
| Q2 25 | 0.69× | 2.25× | ||
| Q1 25 | 1.82× | — | ||
| Q4 24 | 5.02× | — | ||
| Q3 24 | 1.24× | 6.32× | ||
| Q2 24 | 1.86× | 3.95× | ||
| 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
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
