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OFG BANCORP（OFG）与WORKIVA INC（WK）财务数据对比。点击上方公司名可切换其他公司
WORKIVA INC的季度营收约是OFG BANCORP的1.3倍（$238.9M vs $184.3M），OFG BANCORP净利率更高（30.3% vs 4.9%，领先25.4%），WORKIVA INC同比增速更快（19.5% vs 0.9%），OFG BANCORP自由现金流更多（$199.3M vs $50.7M），过去两年WORKIVA INC的营收复合增速更高（16.6% 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。
Workiva Inc.是一家全球知名的SaaS企业，主打云原生关联报告合规平台，支持关联数据调用与报告流程自动化，可广泛应用于财务、会计、风险及合规等多个业务场景，助力企业提升运营效率与合规管理水平。
OFG vs WK — 直观对比
营收规模更大
WK
是对方的1.3倍
$184.3M
营收增速更快
WK
高出18.6%
0.9%
净利率更高
OFG
高出25.4%
4.9%
自由现金流更多
OFG
多$148.6M
$50.7M
两年增速更快
WK
近两年复合增速
2.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $184.3M | $238.9M |
| 净利润 | $55.9M | $11.8M |
| 毛利率 | — | 80.7% |
| 营业利润率 | 25.7% | 3.3% |
| 净利率 | 30.3% | 4.9% |
| 营收同比 | 0.9% | 19.5% |
| 净利润同比 | 11.0% | 234.0% |
| 每股收益（稀释后） | $1.27 | $0.21 |
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OFGWK
| Q4 25 | $184.3M | $238.9M | ||
| Q3 25 | $186.2M | $224.2M | ||
| Q2 25 | $182.4M | $215.2M | ||
| Q1 25 | $178.6M | $206.3M | ||
| Q4 24 | $182.7M | $199.9M | ||
| Q3 24 | $174.7M | $185.6M | ||
| Q2 24 | $179.8M | $177.5M | ||
| Q1 24 | $174.4M | $175.7M |
净利润OFGWK
| Q4 25 | $55.9M | $11.8M | ||
| Q3 25 | $51.8M | $2.8M | ||
| Q2 25 | $51.8M | $-19.4M | ||
| Q1 25 | $45.6M | $-21.4M | ||
| Q4 24 | $50.3M | $-8.8M | ||
| Q3 24 | $47.0M | $-17.0M | ||
| Q2 24 | $51.1M | $-17.5M | ||
| Q1 24 | $49.7M | $-11.7M |
毛利率OFGWK
| Q4 25 | — | 80.7% | ||
| Q3 25 | — | 79.3% | ||
| Q2 25 | — | 77.0% | ||
| Q1 25 | — | 76.6% | ||
| Q4 24 | — | 77.1% | ||
| Q3 24 | — | 76.5% | ||
| Q2 24 | — | 76.8% | ||
| Q1 24 | — | 76.4% |
营业利润率OFGWK
| Q4 25 | 25.7% | 3.3% | ||
| Q3 25 | 33.0% | -1.5% | ||
| Q2 25 | 36.1% | -10.3% | ||
| Q1 25 | 33.3% | -12.0% | ||
| Q4 24 | 28.9% | -6.7% | ||
| Q3 24 | 35.4% | -11.7% | ||
| Q2 24 | 39.6% | -13.0% | ||
| Q1 24 | 38.9% | -10.4% |
净利率OFGWK
| Q4 25 | 30.3% | 4.9% | ||
| Q3 25 | 27.8% | 1.2% | ||
| Q2 25 | 28.4% | -9.0% | ||
| Q1 25 | 25.5% | -10.4% | ||
| Q4 24 | 27.6% | -4.4% | ||
| Q3 24 | 26.9% | -9.2% | ||
| Q2 24 | 28.4% | -9.9% | ||
| Q1 24 | 28.5% | -6.7% |
每股收益（稀释后）OFGWK
| Q4 25 | $1.27 | $0.21 | ||
| Q3 25 | $1.16 | $0.05 | ||
| Q2 25 | $1.15 | $-0.35 | ||
| Q1 25 | $1.00 | $-0.38 | ||
| Q4 24 | $1.10 | $-0.15 | ||
| Q3 24 | $1.00 | $-0.31 | ||
| Q2 24 | $1.08 | $-0.32 | ||
| Q1 24 | $1.05 | $-0.21 |
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 | $338.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $-5.4M |
| 总资产 | $12.5B | $1.5B |
| 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OFGWK
| Q4 25 | $1.0B | $338.8M | ||
| Q3 25 | $740.3M | $315.9M | ||
| Q2 25 | $851.8M | $284.3M | ||
| Q1 25 | $710.6M | $242.0M | ||
| Q4 24 | $591.1M | $301.8M | ||
| Q3 24 | $680.6M | $248.2M | ||
| Q2 24 | $740.4M | $267.9M | ||
| Q1 24 | $754.4M | $296.1M |
股东权益OFGWK
| Q4 25 | $1.4B | $-5.4M | ||
| Q3 25 | $1.4B | $-36.9M | ||
| Q2 25 | $1.3B | $-66.5M | ||
| Q1 25 | $1.3B | $-75.7M | ||
| Q4 24 | $1.3B | $-41.7M | ||
| Q3 24 | $1.3B | $-50.8M | ||
| Q2 24 | $1.2B | $-77.7M | ||
| Q1 24 | $1.2B | $-83.2M |
总资产OFGWK
| Q4 25 | $12.5B | $1.5B | ||
| Q3 25 | $12.2B | $1.4B | ||
| Q2 25 | $12.2B | $1.3B | ||
| Q1 25 | $11.7B | $1.3B | ||
| Q4 24 | $11.5B | $1.4B | ||
| Q3 24 | $11.5B | $1.3B | ||
| Q2 24 | $11.3B | $1.2B | ||
| Q1 24 | $11.2B | $1.2B |
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 | $51.0M |
| 自由现金流经营现金流 - 资本支出 | $199.3M | $50.7M |
| 自由现金流率自由现金流/营收 | 108.1% | 21.2% |
| 资本支出强度资本支出/营收 | 10.0% | 0.1% |
| 现金转化率经营现金流/净利润 | 3.90× | 4.31× |
| 过去12个月自由现金流最近4个季度 | $345.4M | $138.0M |
8季度趋势，按日历期对齐
经营现金流OFGWK
| Q4 25 | $217.7M | $51.0M | ||
| Q3 25 | $39.5M | $46.2M | ||
| Q2 25 | $35.9M | $50.3M | ||
| Q1 25 | $83.1M | $-7.4M | ||
| Q4 24 | $252.5M | $44.0M | ||
| Q3 24 | $58.1M | $18.9M | ||
| Q2 24 | $95.1M | $-14.0K | ||
| Q1 24 | $61.0M | $24.8M |
自由现金流OFGWK
| Q4 25 | $199.3M | $50.7M | ||
| Q3 25 | $35.5M | $46.1M | ||
| Q2 25 | $31.8M | $49.3M | ||
| Q1 25 | $78.7M | $-8.1M | ||
| Q4 24 | $231.2M | $43.2M | ||
| Q3 24 | $51.8M | $18.7M | ||
| Q2 24 | $90.4M | $-122.0K | ||
| Q1 24 | $54.8M | $24.6M |
自由现金流率OFGWK
| Q4 25 | 108.1% | 21.2% | ||
| Q3 25 | 19.1% | 20.5% | ||
| Q2 25 | 17.4% | 22.9% | ||
| Q1 25 | 44.1% | -3.9% | ||
| Q4 24 | 126.5% | 21.6% | ||
| Q3 24 | 29.6% | 10.1% | ||
| Q2 24 | 50.3% | -0.1% | ||
| Q1 24 | 31.4% | 14.0% |
资本支出强度OFGWK
| Q4 25 | 10.0% | 0.1% | ||
| Q3 25 | 2.1% | 0.0% | ||
| Q2 25 | 2.3% | 0.5% | ||
| Q1 25 | 2.4% | 0.4% | ||
| Q4 24 | 11.7% | 0.4% | ||
| Q3 24 | 3.6% | 0.1% | ||
| Q2 24 | 2.6% | 0.1% | ||
| Q1 24 | 3.5% | 0.1% |
现金转化率OFGWK
| Q4 25 | 3.90× | 4.31× | ||
| Q3 25 | 0.76× | 16.57× | ||
| 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
业务分部营收拆解
OFG
暂无分部数据
WK
| License And Service | $219.3M | 92% |
| XBRL Professional Services | $16.4M | 7% |
| Other Services | $3.2M | 1% |
