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PROG Holdings, Inc.（PRG）与UPBOUND GROUP, INC.（UPBD）财务数据对比。点击上方公司名可切换其他公司
UPBOUND GROUP, INC.的季度营收约是PROG Holdings, Inc.的2.3倍（$1.2B vs $525.4M）。PROG Holdings, Inc.净利率更高（7.7% vs 1.7%，领先6.1%）。UPBOUND GROUP, INC.同比增速更快（10.9% vs -6.0%）。UPBOUND GROUP, INC.自由现金流更多（$24.0M vs $-57.5M）。过去两年UPBOUND GROUP, INC.的营收复合增速更高（4.5% vs -9.5%）
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。
Upbound Group, Inc.是美国领先的灵活租购解决方案提供商，主营家具、消费电子、家用电器、家居配饰等商品的租售业务，为无法便捷获得传统信贷服务的消费者提供可负担的支付选择。
PRG vs UPBD — 直观对比
营收规模更大
UPBD
是对方的2.3倍
$525.4M
营收增速更快
UPBD
高出16.9%
-6.0%
净利率更高
PRG
高出6.1%
1.7%
自由现金流更多
UPBD
多$81.5M
$-57.5M
两年增速更快
UPBD
近两年复合增速
-9.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $525.4M | $1.2B |
| 净利润 | $40.5M | $19.7M |
| 毛利率 | — | 49.0% |
| 营业利润率 | 6.9% | 4.8% |
| 净利率 | 7.7% | 1.7% |
| 营收同比 | -6.0% | 10.9% |
| 净利润同比 | -29.7% | -36.3% |
| 每股收益（稀释后） | $0.99 | $0.35 |
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PRGUPBD
| Q4 25 | $525.4M | $1.2B | ||
| Q3 25 | $595.1M | $1.2B | ||
| Q2 25 | $604.7M | $1.2B | ||
| Q1 25 | $684.1M | $1.2B | ||
| Q4 24 | $558.9M | $1.1B | ||
| Q3 24 | $606.1M | $1.1B | ||
| Q2 24 | $592.2M | $1.1B | ||
| Q1 24 | $641.9M | $1.1B |
净利润PRGUPBD
| Q4 25 | $40.5M | $19.7M | ||
| Q3 25 | $33.1M | $13.2M | ||
| Q2 25 | $38.5M | $15.5M | ||
| Q1 25 | $34.7M | $24.8M | ||
| Q4 24 | $57.5M | $31.0M | ||
| Q3 24 | $84.0M | $30.9M | ||
| Q2 24 | $33.8M | $33.9M | ||
| Q1 24 | $22.0M | $27.7M |
毛利率PRGUPBD
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 48.3% | ||
| Q2 25 | — | 49.4% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 47.1% | ||
| Q3 24 | — | 47.8% | ||
| Q2 24 | — | 49.4% | ||
| Q1 24 | — | 48.3% |
营业利润率PRGUPBD
| Q4 25 | 6.9% | 4.8% | ||
| Q3 25 | 9.0% | 4.5% | ||
| Q2 25 | 10.0% | 4.4% | ||
| Q1 25 | 8.2% | 5.3% | ||
| Q4 24 | 8.9% | 7.3% | ||
| Q3 24 | 8.1% | 6.6% | ||
| Q2 24 | 9.4% | 7.5% | ||
| Q1 24 | 6.2% | 5.6% |
净利率PRGUPBD
| Q4 25 | 7.7% | 1.7% | ||
| Q3 25 | 5.6% | 1.1% | ||
| Q2 25 | 6.4% | 1.3% | ||
| Q1 25 | 5.1% | 2.1% | ||
| Q4 24 | 10.3% | 2.9% | ||
| Q3 24 | 13.9% | 2.9% | ||
| Q2 24 | 5.7% | 3.2% | ||
| Q1 24 | 3.4% | 2.5% |
每股收益（稀释后）PRGUPBD
| Q4 25 | $0.99 | $0.35 | ||
| Q3 25 | $0.82 | $0.22 | ||
| Q2 25 | $0.95 | $0.26 | ||
| Q1 25 | $0.83 | $0.42 | ||
| Q4 24 | $1.33 | $0.55 | ||
| Q3 24 | $1.94 | $0.55 | ||
| Q2 24 | $0.77 | $0.61 | ||
| Q1 24 | $0.49 | $0.50 |
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 | $308.8M | $120.5M |
| 总债务越低越好 | $594.9M | — |
| 股东权益账面价值 | $746.4M | $695.7M |
| 总资产 | $1.6B | $3.3B |
| 负债/权益比越低杠杆越低 | 0.80× | — |
8季度趋势，按日历期对齐
现金及短期投资PRGUPBD
| Q4 25 | $308.8M | $120.5M | ||
| Q3 25 | $292.6M | $107.0M | ||
| Q2 25 | $222.0M | $106.8M | ||
| Q1 25 | $213.3M | $107.3M | ||
| Q4 24 | $90.9M | $60.9M | ||
| Q3 24 | $221.7M | $85.1M | ||
| Q2 24 | $250.1M | $82.5M | ||
| Q1 24 | $252.8M | $84.8M |
总债务PRGUPBD
| Q4 25 | $594.9M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $643.6M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益PRGUPBD
| Q4 25 | $746.4M | $695.7M | ||
| Q3 25 | $703.6M | $687.3M | ||
| Q2 25 | $668.7M | $685.5M | ||
| Q1 25 | $654.4M | $679.2M | ||
| Q4 24 | $650.3M | $629.0M | ||
| Q3 24 | $630.8M | $611.8M | ||
| Q2 24 | $581.9M | $596.3M | ||
| Q1 24 | $585.1M | $578.3M |
总资产PRGUPBD
| Q4 25 | $1.6B | $3.3B | ||
| Q3 25 | $1.5B | $3.2B | ||
| Q2 25 | $1.5B | $3.1B | ||
| Q1 25 | $1.5B | $3.0B | ||
| Q4 24 | $1.5B | $2.6B | ||
| Q3 24 | $1.4B | $2.6B | ||
| Q2 24 | $1.5B | $2.6B | ||
| Q1 24 | $1.5B | $2.6B |
负债/权益比PRGUPBD
| Q4 25 | 0.80× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.99× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-54.9M | $41.6M |
| 自由现金流经营现金流 - 资本支出 | $-57.5M | $24.0M |
| 自由现金流率自由现金流/营收 | -10.9% | 2.0% |
| 资本支出强度资本支出/营收 | 0.5% | 1.5% |
| 现金转化率经营现金流/净利润 | -1.36× | 2.11× |
| 过去12个月自由现金流最近4个季度 | $324.9M | $238.7M |
8季度趋势，按日历期对齐
经营现金流PRGUPBD
| Q4 25 | $-54.9M | $41.6M | ||
| Q3 25 | $110.0M | $118.4M | ||
| Q2 25 | $69.9M | $7.8M | ||
| Q1 25 | $209.9M | $137.7M | ||
| Q4 24 | $-84.5M | $-61.9M | ||
| Q3 24 | $31.9M | $106.2M | ||
| Q2 24 | $55.4M | $15.0M | ||
| Q1 24 | $135.7M | $45.4M |
自由现金流PRGUPBD
| Q4 25 | $-57.5M | $24.0M | ||
| Q3 25 | $106.5M | $97.9M | ||
| Q2 25 | $68.0M | $-10.4M | ||
| Q1 25 | $208.0M | $127.2M | ||
| Q4 24 | $-86.8M | $-74.0M | ||
| Q3 24 | $29.8M | $88.3M | ||
| Q2 24 | $53.5M | $613.0K | ||
| Q1 24 | $133.6M | $33.6M |
自由现金流率PRGUPBD
| Q4 25 | -10.9% | 2.0% | ||
| Q3 25 | 17.9% | 8.4% | ||
| Q2 25 | 11.2% | -0.9% | ||
| Q1 25 | 30.4% | 10.8% | ||
| Q4 24 | -15.5% | -6.9% | ||
| Q3 24 | 4.9% | 8.3% | ||
| Q2 24 | 9.0% | 0.1% | ||
| Q1 24 | 20.8% | 3.1% |
资本支出强度PRGUPBD
| Q4 25 | 0.5% | 1.5% | ||
| Q3 25 | 0.6% | 1.8% | ||
| Q2 25 | 0.3% | 1.6% | ||
| Q1 25 | 0.3% | 0.9% | ||
| Q4 24 | 0.4% | 1.1% | ||
| Q3 24 | 0.3% | 1.7% | ||
| Q2 24 | 0.3% | 1.3% | ||
| Q1 24 | 0.3% | 1.1% |
现金转化率PRGUPBD
| Q4 25 | -1.36× | 2.11× | ||
| Q3 25 | 3.32× | 8.96× | ||
| Q2 25 | 1.82× | 0.50× | ||
| Q1 25 | 6.05× | 5.56× | ||
| Q4 24 | -1.47× | -2.00× | ||
| Q3 24 | 0.38× | 3.44× | ||
| Q2 24 | 1.64× | 0.44× | ||
| Q1 24 | 6.18× | 1.64× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
