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OFG BANCORP（OFG）与WD 40 CO（WDFC）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WD 40 CO的1.2倍（$184.3M vs $154.4M），OFG BANCORP净利率更高（30.3% vs 11.3%，领先19.0%），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 $9.1M），过去两年WD 40 CO的营收复合增速更高（5.4% 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。
WD-40公司是全球知名的消费及工业维护用品生产商，核心产品为同名多功能防锈润滑剂，同时布局清洁剂、除油剂、特殊润滑产品等品类，业务覆盖全球170余个国家和地区，服务零售、工业、汽车后市场等多个领域。
OFG vs WDFC — 直观对比
营收规模更大
OFG
是对方的1.2倍
$154.4M
营收增速更快
OFG
高出0.3%
0.6%
净利率更高
OFG
高出19.0%
11.3%
自由现金流更多
OFG
多$190.3M
$9.1M
两年增速更快
WDFC
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $154.4M |
| 净利润 | $55.9M | $17.5M |
| 毛利率 | — | 56.2% |
| 营业利润率 | 25.7% | 15.1% |
| 净利率 | 30.3% | 11.3% |
| 营收同比 | 0.9% | 0.6% |
| 净利润同比 | 11.0% | -7.8% |
| 每股收益（稀释后） | $1.27 | $1.28 |
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OFGWDFC
| Q4 25 | $184.3M | $154.4M | ||
| Q3 25 | $186.2M | $163.5M | ||
| Q2 25 | $182.4M | $156.9M | ||
| Q1 25 | $178.6M | $146.1M | ||
| Q4 24 | $182.7M | $153.5M | ||
| Q3 24 | $174.7M | $156.0M | ||
| Q2 24 | $179.8M | $155.0M | ||
| Q1 24 | $174.4M | $139.1M |
净利润OFGWDFC
| Q4 25 | $55.9M | $17.5M | ||
| Q3 25 | $51.8M | $21.2M | ||
| Q2 25 | $51.8M | $21.0M | ||
| Q1 25 | $45.6M | $29.9M | ||
| Q4 24 | $50.3M | $18.9M | ||
| Q3 24 | $47.0M | $16.8M | ||
| Q2 24 | $51.1M | $19.8M | ||
| Q1 24 | $49.7M | $15.5M |
毛利率OFGWDFC
| Q4 25 | — | 56.2% | ||
| Q3 25 | — | 54.7% | ||
| Q2 25 | — | 56.2% | ||
| Q1 25 | — | 54.6% | ||
| Q4 24 | — | 54.8% | ||
| Q3 24 | — | 54.1% | ||
| Q2 24 | — | 53.1% | ||
| Q1 24 | — | 52.4% |
营业利润率OFGWDFC
| Q4 25 | 25.7% | 15.1% | ||
| Q3 25 | 33.0% | 17.1% | ||
| Q2 25 | 36.1% | 17.4% | ||
| Q1 25 | 33.3% | 15.9% | ||
| Q4 24 | 28.9% | 16.4% | ||
| Q3 24 | 35.4% | 15.4% | ||
| Q2 24 | 39.6% | 17.5% | ||
| Q1 24 | 38.9% | 15.1% |
净利率OFGWDFC
| Q4 25 | 30.3% | 11.3% | ||
| Q3 25 | 27.8% | 13.0% | ||
| Q2 25 | 28.4% | 13.4% | ||
| Q1 25 | 25.5% | 20.4% | ||
| Q4 24 | 27.6% | 12.3% | ||
| Q3 24 | 26.9% | 10.8% | ||
| Q2 24 | 28.4% | 12.8% | ||
| Q1 24 | 28.5% | 11.2% |
每股收益（稀释后）OFGWDFC
| Q4 25 | $1.27 | $1.28 | ||
| Q3 25 | $1.16 | $1.57 | ||
| Q2 25 | $1.15 | $1.54 | ||
| Q1 25 | $1.00 | $2.19 | ||
| Q4 24 | $1.10 | $1.39 | ||
| Q3 24 | $1.00 | $1.23 | ||
| Q2 24 | $1.08 | $1.46 | ||
| Q1 24 | $1.05 | $1.14 |
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 | $48.6M |
| 总债务越低越好 | — | $85.7M |
| 股东权益账面价值 | $1.4B | $264.1M |
| 总资产 | $12.5B | $459.7M |
| 负债/权益比越低杠杆越低 | — | 0.32× |
8季度趋势，按日历期对齐
现金及短期投资OFGWDFC
| Q4 25 | $1.0B | $48.6M | ||
| Q3 25 | $740.3M | $58.1M | ||
| Q2 25 | $851.8M | $51.7M | ||
| Q1 25 | $710.6M | $53.0M | ||
| Q4 24 | $591.1M | $54.9M | ||
| Q3 24 | $680.6M | $46.7M | ||
| Q2 24 | $740.4M | $45.3M | ||
| Q1 24 | $754.4M | $55.4M |
总债务OFGWDFC
| Q4 25 | — | $85.7M | ||
| Q3 25 | — | $86.2M | ||
| Q2 25 | — | $85.6M | ||
| Q1 25 | — | $84.4M | ||
| Q4 24 | — | $84.6M | ||
| Q3 24 | — | $86.0M | ||
| Q2 24 | — | $85.5M | ||
| Q1 24 | — | $85.9M |
股东权益OFGWDFC
| Q4 25 | $1.4B | $264.1M | ||
| Q3 25 | $1.4B | $268.2M | ||
| Q2 25 | $1.3B | $257.1M | ||
| Q1 25 | $1.3B | $242.1M | ||
| Q4 24 | $1.3B | $226.3M | ||
| Q3 24 | $1.3B | $230.5M | ||
| Q2 24 | $1.2B | $222.2M | ||
| Q1 24 | $1.2B | $216.3M |
总资产OFGWDFC
| Q4 25 | $12.5B | $459.7M | ||
| Q3 25 | $12.2B | $475.8M | ||
| Q2 25 | $12.2B | $456.0M | ||
| Q1 25 | $11.7B | $458.3M | ||
| Q4 24 | $11.5B | $447.3M | ||
| Q3 24 | $11.5B | $449.0M | ||
| Q2 24 | $11.3B | $443.6M | ||
| Q1 24 | $11.2B | $442.0M |
负债/权益比OFGWDFC
| Q4 25 | — | 0.32× | ||
| Q3 25 | — | 0.32× | ||
| Q2 25 | — | 0.33× | ||
| Q1 25 | — | 0.35× | ||
| Q4 24 | — | 0.37× | ||
| Q3 24 | — | 0.37× | ||
| Q2 24 | — | 0.38× | ||
| Q1 24 | — | 0.40× |
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 | $10.0M |
| 自由现金流经营现金流 - 资本支出 | $199.3M | $9.1M |
| 自由现金流率自由现金流/营收 | 108.1% | 5.9% |
| 资本支出强度资本支出/营收 | 10.0% | 0.6% |
| 现金转化率经营现金流/净利润 | 3.90× | 0.57× |
| 过去12个月自由现金流最近4个季度 | $345.4M | $78.2M |
8季度趋势，按日历期对齐
经营现金流OFGWDFC
| Q4 25 | $217.7M | $10.0M | ||
| Q3 25 | $39.5M | $29.9M | ||
| Q2 25 | $35.9M | $35.1M | ||
| Q1 25 | $83.1M | $8.0M | ||
| Q4 24 | $252.5M | $14.9M | ||
| Q3 24 | $58.1M | $27.2M | ||
| Q2 24 | $95.1M | $19.9M | ||
| Q1 24 | $61.0M | $18.0M |
自由现金流OFGWDFC
| Q4 25 | $199.3M | $9.1M | ||
| Q3 25 | $35.5M | $28.6M | ||
| Q2 25 | $31.8M | $34.0M | ||
| Q1 25 | $78.7M | $6.6M | ||
| Q4 24 | $231.2M | $14.2M | ||
| Q3 24 | $51.8M | $26.4M | ||
| Q2 24 | $90.4M | $18.7M | ||
| Q1 24 | $54.8M | $16.7M |
自由现金流率OFGWDFC
| Q4 25 | 108.1% | 5.9% | ||
| Q3 25 | 19.1% | 17.5% | ||
| Q2 25 | 17.4% | 21.6% | ||
| Q1 25 | 44.1% | 4.5% | ||
| Q4 24 | 126.5% | 9.3% | ||
| Q3 24 | 29.6% | 16.9% | ||
| Q2 24 | 50.3% | 12.0% | ||
| Q1 24 | 31.4% | 12.0% |
资本支出强度OFGWDFC
| Q4 25 | 10.0% | 0.6% | ||
| Q3 25 | 2.1% | 0.8% | ||
| Q2 25 | 2.3% | 0.7% | ||
| Q1 25 | 2.4% | 0.9% | ||
| Q4 24 | 11.7% | 0.5% | ||
| Q3 24 | 3.6% | 0.5% | ||
| Q2 24 | 2.6% | 0.8% | ||
| Q1 24 | 3.5% | 0.9% |
现金转化率OFGWDFC
| Q4 25 | 3.90× | 0.57× | ||
| Q3 25 | 0.76× | 1.41× | ||
| Q2 25 | 0.69× | 1.67× | ||
| Q1 25 | 1.82× | 0.27× | ||
| Q4 24 | 5.02× | 0.79× | ||
| Q3 24 | 1.24× | 1.62× | ||
| Q2 24 | 1.86× | 1.00× | ||
| Q1 24 | 1.23× | 1.16× |
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
WDFC
| Other | $82.6M | 53% |
| WD40Multi Use Product | $56.0M | 36% |
| WD40Specialist | $9.0M | 6% |
| Other Maintenance Products | $4.0M | 3% |
| Homecare And Cleaning Products | $2.7M | 2% |
