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ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与Pioneer Bancorp, Inc.（PBFS）财务数据对比。点击上方公司名可切换其他公司
ALTISOURCE PORTFOLIO SOLUTIONS S.A.的季度营收约是Pioneer Bancorp, Inc.的1.7倍（$42.3M vs $25.0M），Pioneer Bancorp, Inc.净利率更高（82.1% vs -16.8%，领先99.0%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 3.6%）
Altisource Portfolio Solutions S.A.是面向抵押贷款、房地产及消费金融领域的全球服务商，为贷款机构、服务商、投资者等市场参与者提供技术、数据与运营解决方案，优化资产管理、房产交易等业务流程，提升客户运营效率。
先锋银行控股公司（马里兰州）是一家美国银行控股企业，为先锋银行的母公司，主要面向马里兰州本地社区用户提供零售及商业银行服务，涵盖存款账户、住房与商业抵押贷款、消费贷款及小微企业融资等产品。
ASPS vs PBFS — 直观对比
营收规模更大
ASPS
是对方的1.7倍
$25.0M
净利率更高
PBFS
高出99.0%
-16.8%
两年增速更快
PBFS
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $25.0M |
| 净利润 | $-7.1M | $3.7M |
| 毛利率 | 26.5% | — |
| 营业利润率 | -15.5% | 21.3% |
| 净利率 | -16.8% | 82.1% |
| 营收同比 | 3.2% | — |
| 净利润同比 | 18.2% | — |
| 每股收益（稀释后） | $-1.02 | $0.16 |
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ASPSPBFS
| Q4 25 | $42.3M | $25.0M | ||
| Q3 25 | $41.9M | $24.0M | ||
| Q2 25 | $43.3M | $24.4M | ||
| Q1 25 | $43.4M | $22.8M | ||
| Q4 24 | $41.0M | — | ||
| Q3 24 | $40.5M | $22.0M | ||
| Q2 24 | $39.1M | $20.9M | ||
| Q1 24 | $39.5M | $21.6M |
净利润ASPSPBFS
| Q4 25 | $-7.1M | $3.7M | ||
| Q3 25 | $-2.3M | $4.3M | ||
| Q2 25 | $16.7M | $6.5M | ||
| Q1 25 | $-5.3M | $5.8M | ||
| Q4 24 | $-8.7M | — | ||
| Q3 24 | $-9.3M | $6.3M | ||
| Q2 24 | $-8.3M | $3.9M | ||
| Q1 24 | $-9.2M | $4.7M |
毛利率ASPSPBFS
| Q4 25 | 26.5% | — | ||
| Q3 25 | 27.1% | — | ||
| Q2 25 | 30.1% | — | ||
| Q1 25 | 30.7% | — | ||
| Q4 24 | 30.3% | — | ||
| Q3 24 | 29.8% | — | ||
| Q2 24 | 32.5% | — | ||
| Q1 24 | 31.2% | — |
营业利润率ASPSPBFS
| Q4 25 | -15.5% | 21.3% | ||
| Q3 25 | 1.2% | 23.4% | ||
| Q2 25 | 7.5% | 33.3% | ||
| Q1 25 | 7.5% | 32.5% | ||
| Q4 24 | 1.4% | — | ||
| Q3 24 | 2.7% | 37.2% | ||
| Q2 24 | 5.3% | 24.1% | ||
| Q1 24 | -1.4% | 28.1% |
净利率ASPSPBFS
| Q4 25 | -16.8% | 82.1% | ||
| Q3 25 | -5.5% | 18.0% | ||
| Q2 25 | 38.5% | 26.4% | ||
| Q1 25 | -12.1% | 25.3% | ||
| Q4 24 | -21.3% | — | ||
| Q3 24 | -23.0% | 28.7% | ||
| Q2 24 | -21.1% | 107.4% | ||
| Q1 24 | -23.2% | 21.9% |
每股收益（稀释后）ASPSPBFS
| Q4 25 | $-1.02 | $0.16 | ||
| Q3 25 | $-0.22 | $0.18 | ||
| Q2 25 | $1.48 | $0.26 | ||
| Q1 25 | $-0.09 | $0.23 | ||
| Q4 24 | $-4.72 | — | ||
| Q3 24 | $-2.61 | $0.25 | ||
| Q2 24 | $-2.33 | $0.15 | ||
| Q1 24 | $-0.33 | $0.19 |
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 | $26.6M | — |
| 总债务越低越好 | $191.1M | — |
| 股东权益账面价值 | $-110.2M | $323.9M |
| 总资产 | $139.8M | $2.2B |
| 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ASPSPBFS
| Q4 25 | $26.6M | — | ||
| Q3 25 | $28.6M | — | ||
| Q2 25 | $30.0M | — | ||
| Q1 25 | $30.8M | — | ||
| Q4 24 | $29.8M | — | ||
| Q3 24 | $28.3M | — | ||
| Q2 24 | $29.7M | — | ||
| Q1 24 | $29.6M | — |
总债务ASPSPBFS
| Q4 25 | $191.1M | — | ||
| Q3 25 | $192.5M | — | ||
| Q2 25 | $193.9M | — | ||
| Q1 25 | $195.0M | — | ||
| Q4 24 | $230.5M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ASPSPBFS
| Q4 25 | $-110.2M | $323.9M | ||
| Q3 25 | $-104.2M | $314.2M | ||
| Q2 25 | $-102.7M | $314.2M | ||
| Q1 25 | $-119.8M | $310.7M | ||
| Q4 24 | $-157.4M | — | ||
| Q3 24 | $-149.4M | $303.8M | ||
| Q2 24 | $-140.8M | $296.5M | ||
| Q1 24 | $-133.3M | $289.0M |
总资产ASPSPBFS
| Q4 25 | $139.8M | $2.2B | ||
| Q3 25 | $139.9M | $2.2B | ||
| Q2 25 | $142.9M | $2.1B | ||
| Q1 25 | $145.7M | $2.1B | ||
| Q4 24 | $143.6M | — | ||
| Q3 24 | $144.5M | $2.0B | ||
| Q2 24 | $146.6M | — | ||
| Q1 24 | $148.9M | $2.0B |
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 | $-505.0K | $11.1M |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | — |
| 自由现金流率自由现金流/营收 | -1.2% | — |
| 资本支出强度资本支出/营收 | 0.0% | — |
| 现金转化率经营现金流/净利润 | — | 2.97× |
| 过去12个月自由现金流最近4个季度 | $-5.1M | — |
8季度趋势，按日历期对齐
经营现金流ASPSPBFS
| Q4 25 | $-505.0K | $11.1M | ||
| Q3 25 | $718.0K | $3.9M | ||
| Q2 25 | $-306.0K | $5.1M | ||
| Q1 25 | $-5.0M | $-3.5M | ||
| Q4 24 | $-1.4M | — | ||
| Q3 24 | $-1.6M | $1.9M | ||
| Q2 24 | $180.0K | $9.0M | ||
| Q1 24 | $-2.2M | $3.3M |
自由现金流ASPSPBFS
| Q4 25 | $-525.0K | — | ||
| Q3 25 | $697.0K | — | ||
| Q2 25 | $-309.0K | — | ||
| Q1 25 | $-5.0M | — | ||
| Q4 24 | $-1.4M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率ASPSPBFS
| Q4 25 | -1.2% | — | ||
| Q3 25 | 1.7% | — | ||
| Q2 25 | -0.7% | — | ||
| Q1 25 | -11.5% | — | ||
| Q4 24 | -3.4% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度ASPSPBFS
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.0% | — | ||
| Q1 24 | 0.0% | — |
现金转化率ASPSPBFS
| Q4 25 | — | 2.97× | ||
| Q3 25 | — | 0.90× | ||
| Q2 25 | -0.02× | 0.78× | ||
| Q1 25 | — | -0.61× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.30× | ||
| Q2 24 | — | 2.30× | ||
| Q1 24 | — | 0.70× |
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
ASPS
| Services | $39.9M | 94% |
| Revenue Relatedto Technology Platformsand Professional Services | $2.4M | 6% |
PBFS
暂无分部数据
