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PROG Holdings, Inc.（PRG）与ROYAL GOLD INC（RGLD）财务数据对比。点击上方公司名可切换其他公司
PROG Holdings, Inc.的季度营收约是ROYAL GOLD INC的1.7倍（$651.6M vs $375.3M），ROYAL GOLD INC净利率更高（24.9% vs 5.5%，领先19.4%），PROG Holdings, Inc.同比增速更快（457.1% vs 85.3%），过去两年ROYAL GOLD INC的营收复合增速更高（58.8% vs 4.9%）
PROG Holdings是一家总部位于美国的金融科技企业，主要面向美国本土市场提供灵活的租购及销售点融资解决方案，核心业务涵盖零售合作伙伴融资、消费信贷与支付服务，帮助消费者无需满足传统信用要求即可购买电子产品、家居用品等商品。
Royal Gold Inc.是全球领先的贵金属流权与特许权经营企业，收购并管理多元化的矿业项目流权、净熔炼收益特许权及相关权益，资产覆盖黄金、白银、铜等品类，业务遍及多地区，无需直接承担采矿运营风险。
PRG vs RGLD — 直观对比
营收规模更大
PRG
是对方的1.7倍
$375.3M
营收增速更快
PRG
高出371.8%
85.3%
净利率更高
RGLD
高出19.4%
5.5%
两年增速更快
RGLD
近两年复合增速
4.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $651.6M | $375.3M |
| 净利润 | $36.1M | $93.6M |
| 毛利率 | — | 64.6% |
| 营业利润率 | 10.0% | 56.2% |
| 净利率 | 5.5% | 24.9% |
| 营收同比 | 457.1% | 85.3% |
| 净利润同比 | 3.8% | -12.8% |
| 每股收益（稀释后） | $3.68 | $1.04 |
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PRGRGLD
| Q1 26 | $651.6M | — | ||
| Q4 25 | $525.4M | $375.3M | ||
| Q3 25 | $595.1M | $252.1M | ||
| Q2 25 | $604.7M | $209.6M | ||
| Q1 25 | $684.1M | $193.4M | ||
| Q4 24 | $558.9M | $202.6M | ||
| Q3 24 | $606.1M | $193.8M | ||
| Q2 24 | $592.2M | $174.1M |
净利润PRGRGLD
| Q1 26 | $36.1M | — | ||
| Q4 25 | $40.5M | $93.6M | ||
| Q3 25 | $33.1M | $126.8M | ||
| Q2 25 | $38.5M | $132.3M | ||
| Q1 25 | $34.7M | $113.5M | ||
| Q4 24 | $57.5M | $107.4M | ||
| Q3 24 | $84.0M | $96.2M | ||
| Q2 24 | $33.8M | $81.2M |
毛利率PRGRGLD
| Q1 26 | — | — | ||
| Q4 25 | — | 64.6% | ||
| Q3 25 | — | 73.6% | ||
| Q2 25 | — | 72.6% | ||
| Q1 25 | — | 69.4% | ||
| Q4 24 | — | 70.3% | ||
| Q3 24 | — | 66.6% | ||
| Q2 24 | — | 64.7% |
营业利润率PRGRGLD
| Q1 26 | 10.0% | — | ||
| Q4 25 | 6.9% | 56.2% | ||
| Q3 25 | 9.0% | 64.4% | ||
| Q2 25 | 10.0% | 67.7% | ||
| Q1 25 | 8.2% | 63.6% | ||
| Q4 24 | 8.9% | 65.9% | ||
| Q3 24 | 8.1% | 61.3% | ||
| Q2 24 | 9.4% | 58.6% |
净利率PRGRGLD
| Q1 26 | 5.5% | — | ||
| Q4 25 | 7.7% | 24.9% | ||
| Q3 25 | 5.6% | 50.3% | ||
| Q2 25 | 6.4% | 63.1% | ||
| Q1 25 | 5.1% | 58.7% | ||
| Q4 24 | 10.3% | 53.0% | ||
| Q3 24 | 13.9% | 49.7% | ||
| Q2 24 | 5.7% | 46.6% |
每股收益（稀释后）PRGRGLD
| Q1 26 | $3.68 | — | ||
| Q4 25 | $0.99 | $1.04 | ||
| Q3 25 | $0.82 | $1.92 | ||
| Q2 25 | $0.95 | $2.01 | ||
| Q1 25 | $0.83 | $1.72 | ||
| Q4 24 | $1.33 | $1.63 | ||
| Q3 24 | $1.94 | $1.46 | ||
| Q2 24 | $0.77 | $1.23 |
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 | $69.4M | $233.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $774.4M | $7.2B |
| 总资产 | $2.0B | $9.5B |
| 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PRGRGLD
| Q1 26 | $69.4M | — | ||
| Q4 25 | $308.8M | $233.7M | ||
| Q3 25 | $292.6M | $172.8M | ||
| Q2 25 | $222.0M | $248.2M | ||
| Q1 25 | $213.3M | $240.8M | ||
| Q4 24 | $90.9M | $195.5M | ||
| Q3 24 | $221.7M | $127.9M | ||
| Q2 24 | $250.1M | $74.2M |
总债务PRGRGLD
| Q1 26 | — | — | ||
| Q4 25 | $594.9M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $643.6M | — | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $50.0M |
股东权益PRGRGLD
| Q1 26 | $774.4M | — | ||
| Q4 25 | $746.4M | $7.2B | ||
| Q3 25 | $703.6M | $3.4B | ||
| Q2 25 | $668.7M | $3.3B | ||
| Q1 25 | $654.4M | $3.2B | ||
| Q4 24 | $650.3M | $3.1B | ||
| Q3 24 | $630.8M | $3.0B | ||
| Q2 24 | $581.9M | $3.0B |
总资产PRGRGLD
| Q1 26 | $2.0B | — | ||
| Q4 25 | $1.6B | $9.5B | ||
| Q3 25 | $1.5B | $4.5B | ||
| Q2 25 | $1.5B | $3.6B | ||
| Q1 25 | $1.5B | $3.5B | ||
| Q4 24 | $1.5B | $3.4B | ||
| Q3 24 | $1.4B | $3.3B | ||
| Q2 24 | $1.5B | $3.3B |
负债/权益比PRGRGLD
| Q1 26 | — | — | ||
| Q4 25 | 0.80× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.99× | — | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.02× |
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 | — | $241.7M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 2.58× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流PRGRGLD
| Q1 26 | — | — | ||
| Q4 25 | $-54.9M | $241.7M | ||
| Q3 25 | $110.0M | $174.0M | ||
| Q2 25 | $69.9M | $152.8M | ||
| Q1 25 | $209.9M | $136.4M | ||
| Q4 24 | $-84.5M | $141.1M | ||
| Q3 24 | $31.9M | $136.7M | ||
| Q2 24 | $55.4M | $113.5M |
自由现金流PRGRGLD
| Q1 26 | — | — | ||
| Q4 25 | $-57.5M | — | ||
| Q3 25 | $106.5M | — | ||
| Q2 25 | $68.0M | — | ||
| Q1 25 | $208.0M | — | ||
| Q4 24 | $-86.8M | — | ||
| Q3 24 | $29.8M | — | ||
| Q2 24 | $53.5M | — |
自由现金流率PRGRGLD
| Q1 26 | — | — | ||
| Q4 25 | -10.9% | — | ||
| Q3 25 | 17.9% | — | ||
| Q2 25 | 11.2% | — | ||
| Q1 25 | 30.4% | — | ||
| Q4 24 | -15.5% | — | ||
| Q3 24 | 4.9% | — | ||
| Q2 24 | 9.0% | — |
资本支出强度PRGRGLD
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | — | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 0.3% | — | ||
| Q2 24 | 0.3% | — |
现金转化率PRGRGLD
| Q1 26 | — | — | ||
| Q4 25 | -1.36× | 2.58× | ||
| Q3 25 | 3.32× | 1.37× | ||
| Q2 25 | 1.82× | 1.15× | ||
| Q1 25 | 6.05× | 1.20× | ||
| Q4 24 | -1.47× | 1.31× | ||
| Q3 24 | 0.38× | 1.42× | ||
| Q2 24 | 1.64× | 1.40× |
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
PRG
暂无分部数据
RGLD
| Gold | $216.9M | 58% |
| Pueblo Viejo | $47.3M | 13% |
| Andacollo | $32.6M | 9% |
| Silver | $32.1M | 9% |
| Other | $27.2M | 7% |
| Copper | $13.7M | 4% |
| Cortez Legacy Zone | $5.4M | 1% |
