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OFG BANCORP（OFG）与UNIVERSAL TECHNICAL INSTITUTE INC（UTI）财务数据对比。点击上方公司名可切换其他公司
UNIVERSAL TECHNICAL INSTITUTE INC的季度营收约是OFG BANCORP的1.2倍（$221.4M vs $184.3M），OFG BANCORP净利率更高（30.3% vs 0.2%，领先30.1%），UNIVERSAL TECHNICAL INSTITUTE INC同比增速更快（6.7% vs 0.9%），过去两年UNIVERSAL TECHNICAL INSTITUTE INC的营收复合增速更高（11.7% 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。
环球技术学院（UTI）是美国的营利性私立技术院校集团，1965年由罗伯特·斯威特创立，专注于提供职业技术类教育课程，培养符合产业需求的技能型人才，在美职业教育领域拥有较长的运营历史与行业经验。
OFG vs UTI — 直观对比
营收规模更大
UTI
是对方的1.2倍
$184.3M
营收增速更快
UTI
高出5.8%
0.9%
净利率更高
OFG
高出30.1%
0.2%
两年增速更快
UTI
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $221.4M |
| 净利润 | $55.9M | $433.0K |
| 毛利率 | — | — |
| 营业利润率 | 25.7% | 0.2% |
| 净利率 | 30.3% | 0.2% |
| 营收同比 | 0.9% | 6.7% |
| 净利润同比 | 11.0% | -60.5% |
| 每股收益（稀释后） | $1.27 | $0.01 |
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OFGUTI
| Q1 26 | — | $221.4M | ||
| Q4 25 | $184.3M | $220.8M | ||
| Q3 25 | $186.2M | $222.4M | ||
| Q2 25 | $182.4M | $204.3M | ||
| Q1 25 | $178.6M | $207.4M | ||
| Q4 24 | $182.7M | $201.4M | ||
| Q3 24 | $174.7M | $196.4M | ||
| Q2 24 | $179.8M | $177.5M |
净利润OFGUTI
| Q1 26 | — | $433.0K | ||
| Q4 25 | $55.9M | $12.8M | ||
| Q3 25 | $51.8M | $18.8M | ||
| Q2 25 | $51.8M | $10.7M | ||
| Q1 25 | $45.6M | $11.4M | ||
| Q4 24 | $50.3M | $22.2M | ||
| Q3 24 | $47.0M | $18.8M | ||
| Q2 24 | $51.1M | $5.0M |
营业利润率OFGUTI
| Q1 26 | — | 0.2% | ||
| Q4 25 | 25.7% | 7.1% | ||
| Q3 25 | 33.0% | 11.2% | ||
| Q2 25 | 36.1% | 6.9% | ||
| Q1 25 | 33.3% | 8.1% | ||
| Q4 24 | 28.9% | 13.6% | ||
| Q3 24 | 35.4% | 13.3% | ||
| Q2 24 | 39.6% | 4.2% |
净利率OFGUTI
| Q1 26 | — | 0.2% | ||
| Q4 25 | 30.3% | 5.8% | ||
| Q3 25 | 27.8% | 8.4% | ||
| Q2 25 | 28.4% | 5.2% | ||
| Q1 25 | 25.5% | 5.5% | ||
| Q4 24 | 27.6% | 11.0% | ||
| Q3 24 | 26.9% | 9.6% | ||
| Q2 24 | 28.4% | 2.8% |
每股收益（稀释后）OFGUTI
| Q1 26 | — | $0.01 | ||
| Q4 25 | $1.27 | $0.23 | ||
| Q3 25 | $1.16 | $0.33 | ||
| Q2 25 | $1.15 | $0.19 | ||
| Q1 25 | $1.00 | $0.21 | ||
| Q4 24 | $1.10 | $0.40 | ||
| Q3 24 | $1.00 | $0.35 | ||
| Q2 24 | $1.08 | $0.09 |
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 | $162.0M |
| 总债务越低越好 | — | $127.8M |
| 股东权益账面价值 | $1.4B | $339.9M |
| 总资产 | $12.5B | $852.2M |
| 负债/权益比越低杠杆越低 | — | 0.38× |
8季度趋势，按日历期对齐
现金及短期投资OFGUTI
| Q1 26 | — | $162.0M | ||
| Q4 25 | $1.0B | $162.8M | ||
| Q3 25 | $740.3M | $169.1M | ||
| Q2 25 | $851.8M | $70.7M | ||
| Q1 25 | $710.6M | $96.0M | ||
| Q4 24 | $591.1M | $172.0M | ||
| Q3 24 | $680.6M | $161.9M | ||
| Q2 24 | $740.4M | $115.5M |
总债务OFGUTI
| Q1 26 | — | $127.8M | ||
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M |
股东权益OFGUTI
| Q1 26 | — | $339.9M | ||
| Q4 25 | $1.4B | $335.9M | ||
| Q3 25 | $1.4B | $328.1M | ||
| Q2 25 | $1.3B | $306.8M | ||
| Q1 25 | $1.3B | $293.9M | ||
| Q4 24 | $1.3B | $280.0M | ||
| Q3 24 | $1.3B | $260.2M | ||
| Q2 24 | $1.2B | $239.4M |
总资产OFGUTI
| Q1 26 | — | $852.2M | ||
| Q4 25 | $12.5B | $834.0M | ||
| Q3 25 | $12.2B | $826.1M | ||
| Q2 25 | $12.2B | $740.8M | ||
| Q1 25 | $11.7B | $720.4M | ||
| Q4 24 | $11.5B | $753.8M | ||
| Q3 24 | $11.5B | $744.6M | ||
| Q2 24 | $11.3B | $706.0M |
负债/权益比OFGUTI
| Q1 26 | — | 0.38× | ||
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× |
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 | $7.1M |
| 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× | 16.33× |
| 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OFGUTI
| Q1 26 | — | $7.1M | ||
| Q4 25 | $217.7M | $3.1M | ||
| Q3 25 | $39.5M | $57.1M | ||
| Q2 25 | $35.9M | $18.1M | ||
| Q1 25 | $83.1M | $-789.0K | ||
| Q4 24 | $252.5M | $23.0M | ||
| Q3 24 | $58.1M | $67.5M | ||
| Q2 24 | $95.1M | $10.0M |
自由现金流OFGUTI
| Q1 26 | — | — | ||
| Q4 25 | $199.3M | $-19.2M | ||
| Q3 25 | $35.5M | $40.6M | ||
| Q2 25 | $31.8M | $6.8M | ||
| Q1 25 | $78.7M | $-11.7M | ||
| Q4 24 | $231.2M | $19.6M | ||
| Q3 24 | $51.8M | $60.0M | ||
| Q2 24 | $90.4M | $3.0M |
自由现金流率OFGUTI
| Q1 26 | — | — | ||
| Q4 25 | 108.1% | -8.7% | ||
| Q3 25 | 19.1% | 18.3% | ||
| Q2 25 | 17.4% | 3.4% | ||
| Q1 25 | 44.1% | -5.7% | ||
| Q4 24 | 126.5% | 9.7% | ||
| Q3 24 | 29.6% | 30.6% | ||
| Q2 24 | 50.3% | 1.7% |
资本支出强度OFGUTI
| Q1 26 | — | — | ||
| Q4 25 | 10.0% | 10.1% | ||
| Q3 25 | 2.1% | 7.4% | ||
| Q2 25 | 2.3% | 5.5% | ||
| Q1 25 | 2.4% | 5.3% | ||
| Q4 24 | 11.7% | 1.7% | ||
| Q3 24 | 3.6% | 3.8% | ||
| Q2 24 | 2.6% | 4.0% |
现金转化率OFGUTI
| Q1 26 | — | 16.33× | ||
| Q4 25 | 3.90× | 0.24× | ||
| Q3 25 | 0.76× | 3.04× | ||
| Q2 25 | 0.69× | 1.69× | ||
| Q1 25 | 1.82× | -0.07× | ||
| Q4 24 | 5.02× | 1.04× | ||
| Q3 24 | 1.24× | 3.58× | ||
| Q2 24 | 1.86× | 2.01× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
