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好事达（ALL）与PennyMac Financial Services, Inc.（PFSI）财务数据对比。点击上方公司名可切换其他公司
好事达的季度营收约是PennyMac Financial Services, Inc.的2845.3倍（$17.3B vs $6.1M）。PennyMac Financial Services, Inc.净利率更高（1752.5% vs 22.1%，领先1730.4%）。PennyMac Financial Services, Inc.同比增速更快（49.3% vs 5.1%）。好事达自由现金流更多（$2.9B vs $-1.9B）。过去两年PennyMac Financial Services, Inc.的营收复合增速更高（29.8% vs 6.6%）
好事达集团是面向美国、加拿大市场的综合性保险服务商，提供财产险、意外险及其他保险产品。旗下设好事达保险、保障服务、健康福利、到期财产责任险四大板块，主营私人乘用车险、房屋保险，亦覆盖摩托车、房车、越野车等特种车险及各类个人保险产品。
PennyMac Financial Services是总部位于美国加利福尼亚州西湖村的住宅抵押贷款企业，核心业务涵盖美国抵押贷款的发放、贷后服务，以及抵押贷款市场相关投资管理。公司下设两家子公司，其中PNMAC资本管理有限公司负责运营旗下的抵押贷款不动产投资信托（REIT）PennyMac Mortgage Investment Trust。
ALL vs PFSI — 直观对比
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $6.1M |
| 净利润 | $3.8B | $106.8M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 22.1% | 1752.5% |
| 营收同比 | 5.1% | 49.3% |
| 净利润同比 | 98.8% | 2.2% |
| 每股收益（稀释后） | $14.24 | $1.97 |
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
| Q4 25 | $17.3B | $6.1M | ||
| Q3 25 | $17.3B | $4.6M | ||
| Q2 25 | $16.6B | $4.5M | ||
| Q1 25 | $16.5B | $4.9M | ||
| Q4 24 | $16.5B | $4.1M | ||
| Q3 24 | $16.6B | $3.4M | ||
| Q2 24 | $15.7B | $15.7M | ||
| Q1 24 | $15.3B | $3.6M |
| Q4 25 | $3.8B | $106.8M | ||
| Q3 25 | $3.7B | $181.5M | ||
| Q2 25 | $2.1B | $136.5M | ||
| Q1 25 | $595.0M | $76.3M | ||
| Q4 24 | $1.9B | $104.5M | ||
| Q3 24 | $1.2B | $69.4M | ||
| Q2 24 | $331.0M | $98.3M | ||
| Q1 24 | $1.2B | $39.3M |
| Q4 25 | 22.1% | 1752.5% | ||
| Q3 25 | 21.7% | 3964.7% | ||
| Q2 25 | 12.7% | 3021.8% | ||
| Q1 25 | 3.6% | 1551.0% | ||
| Q4 24 | 11.7% | 2559.8% | ||
| Q3 24 | 7.2% | 2017.7% | ||
| Q2 24 | 2.1% | 624.6% | ||
| Q1 24 | 8.0% | 1086.8% |
| Q4 25 | $14.24 | $1.97 | ||
| Q3 25 | $13.95 | $3.37 | ||
| Q2 25 | $7.76 | $2.54 | ||
| Q1 25 | $2.11 | $1.42 | ||
| Q4 24 | $7.07 | $1.95 | ||
| Q3 24 | $4.33 | $1.30 | ||
| Q2 24 | $1.13 | $1.85 | ||
| Q1 24 | $4.46 | $0.74 |
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 | $4.9B | $410.0M |
| 总债务越低越好 | $7.5B | $6.2B |
| 股东权益账面价值 | $30.6B | $4.3B |
| 总资产 | $119.8B | $29.4B |
| 负债/权益比越低杠杆越低 | 0.24× | 1.45× |
8季度趋势，按日历期对齐
| Q4 25 | $4.9B | $410.0M | ||
| Q3 25 | $8.7B | $62.2M | ||
| Q2 25 | $9.6B | $462.3M | ||
| Q1 25 | $6.5B | $443.4M | ||
| Q4 24 | $4.5B | $420.6M | ||
| Q3 24 | $7.0B | $667.9M | ||
| Q2 24 | $5.3B | $188.8M | ||
| Q1 24 | $4.3B | $69.0K |
| Q4 25 | $7.5B | $6.2B | ||
| Q3 25 | $8.1B | $6.2B | ||
| Q2 25 | $8.1B | $5.6B | ||
| Q1 25 | $8.1B | $5.8B | ||
| Q4 24 | $8.1B | $5.3B | ||
| Q3 24 | $8.1B | $4.9B | ||
| Q2 24 | $8.1B | $4.9B | ||
| Q1 24 | $7.9B | $4.5B |
| Q4 25 | $30.6B | $4.3B | ||
| Q3 25 | $27.5B | $4.2B | ||
| Q2 25 | $24.0B | $4.0B | ||
| Q1 25 | $22.1B | $3.9B | ||
| Q4 24 | $21.4B | $3.8B | ||
| Q3 24 | $20.9B | $3.7B | ||
| Q2 24 | $18.6B | $3.7B | ||
| Q1 24 | $18.6B | $3.6B |
| Q4 25 | $119.8B | $29.4B | ||
| Q3 25 | $120.4B | $25.4B | ||
| Q2 25 | $115.9B | $24.2B | ||
| Q1 25 | $115.2B | $23.9B | ||
| Q4 24 | $111.6B | $26.1B | ||
| Q3 24 | $113.7B | $22.9B | ||
| Q2 24 | $108.4B | $21.6B | ||
| Q1 24 | $105.2B | $19.8B |
| Q4 25 | 0.24× | 1.45× | ||
| Q3 25 | 0.29× | 1.48× | ||
| Q2 25 | 0.34× | 1.38× | ||
| Q1 25 | 0.37× | 1.48× | ||
| Q4 24 | 0.38× | 1.37× | ||
| Q3 24 | 0.39× | 1.32× | ||
| Q2 24 | 0.43× | 1.35× | ||
| Q1 24 | 0.43× | 1.27× |
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 | $3.0B | $-1.9B |
| 自由现金流经营现金流 - 资本支出 | $2.9B | $-1.9B |
| 自由现金流率自由现金流/营收 | 16.7% | -31125.7% |
| 资本支出强度资本支出/营收 | 0.5% | 134.0% |
| 现金转化率经营现金流/净利润 | 0.78× | -17.68× |
| 过去12个月自由现金流最近4个季度 | $9.9B | $-1.7B |
8季度趋势，按日历期对齐
| Q4 25 | $3.0B | $-1.9B | ||
| Q3 25 | $3.3B | $-697.4M | ||
| Q2 25 | $1.9B | $-131.3M | ||
| Q1 25 | $2.0B | $1.1B | ||
| Q4 24 | $1.7B | $-2.1B | ||
| Q3 24 | $3.2B | $-393.7M | ||
| Q2 24 | $2.4B | $-1.1B | ||
| Q1 24 | $1.7B | $-897.9M |
| Q4 25 | $2.9B | $-1.9B | ||
| Q3 25 | $3.2B | $-699.4M | ||
| Q2 25 | $1.9B | $-132.6M | ||
| Q1 25 | $1.9B | $1.1B | ||
| Q4 24 | $1.7B | $-2.1B | ||
| Q3 24 | $3.1B | $-393.9M | ||
| Q2 24 | $2.3B | $-1.1B | ||
| Q1 24 | $1.6B | $-898.9M |
| Q4 25 | 16.7% | -31125.7% | ||
| Q3 25 | 18.8% | -15278.5% | ||
| Q2 25 | 11.3% | -2936.7% | ||
| Q1 25 | 11.4% | 21667.1% | ||
| Q4 24 | 10.0% | -52645.4% | ||
| Q3 24 | 18.9% | -11456.0% | ||
| Q2 24 | 14.7% | -6949.9% | ||
| Q1 24 | 10.6% | -24850.9% |
| Q4 25 | 0.5% | 134.0% | ||
| Q3 25 | 0.3% | 45.3% | ||
| Q2 25 | 0.0% | 28.9% | ||
| Q1 25 | 0.6% | 7.5% | ||
| Q4 24 | 0.3% | 6.1% | ||
| Q3 24 | 0.4% | 4.3% | ||
| Q2 24 | 0.4% | 2.5% | ||
| Q1 24 | 0.3% | 25.4% |
| Q4 25 | 0.78× | -17.68× | ||
| Q3 25 | 0.88× | -3.84× | ||
| Q2 25 | 0.89× | -0.96× | ||
| Q1 25 | 3.30× | 13.97× | ||
| Q4 24 | 0.88× | -20.56× | ||
| Q3 24 | 2.69× | -5.68× | ||
| Q2 24 | 7.13× | -11.12× | ||
| Q1 24 | 1.37× | -22.84× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
