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阿普塔集团（ATR）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
阿普塔集团的季度营收约是PennyMac Financial Services, Inc.的1.8倍（$982.9M vs $538.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 7.4%，领先1745.1%），PennyMac Financial Services, Inc.同比增速更快（14.4% vs 10.8%），阿普塔集团自由现金流更多（$53.3M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 3.9%）
阿普塔集团（AptarGroup, Inc.）是总部位于美国的全球性制造企业，主营消费品分配包装产品及药物给药装置的研发与生产，目前在全球18个国家设有生产运营基地，服务医药、快消等多领域客户。
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。
ATR vs PFSI — 直观对比
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $982.9M | $538.0M |
| 净利润 | $72.8M | $106.8M |
| 毛利率 | — | — |
| 营业利润率 | 10.9% | 25.0% |
| 净利率 | 7.4% | 1752.5% |
| 营收同比 | 10.8% | 14.4% |
| 净利润同比 | -7.5% | 2.2% |
| 每股收益（稀释后） | $1.12 | $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
| Q1 26 | $982.9M | — | ||
| Q4 25 | $962.7M | $538.0M | ||
| Q3 25 | $961.1M | $632.9M | ||
| Q2 25 | $966.0M | $444.7M | ||
| Q1 25 | $887.3M | $430.9M | ||
| Q4 24 | $848.1M | $470.1M | ||
| Q3 24 | $909.3M | $411.8M | ||
| Q2 24 | $910.1M | $406.1M |
| Q1 26 | $72.8M | — | ||
| Q4 25 | $74.3M | $106.8M | ||
| Q3 25 | $127.9M | $181.5M | ||
| Q2 25 | $111.7M | $136.5M | ||
| Q1 25 | $78.8M | $76.3M | ||
| Q4 24 | $100.9M | $104.5M | ||
| Q3 24 | $100.0M | $69.4M | ||
| Q2 24 | $90.5M | $98.3M |
| Q1 26 | 10.9% | — | ||
| Q4 25 | 11.0% | 25.0% | ||
| Q3 25 | 14.2% | 37.3% | ||
| Q2 25 | 14.9% | 17.2% | ||
| Q1 25 | 12.8% | 24.2% | ||
| Q4 24 | 14.2% | 27.5% | ||
| Q3 24 | 15.2% | 22.8% | ||
| Q2 24 | 13.8% | 33.0% |
| Q1 26 | 7.4% | — | ||
| Q4 25 | 7.7% | 1752.5% | ||
| Q3 25 | 13.3% | 28.7% | ||
| Q2 25 | 11.6% | 30.7% | ||
| Q1 25 | 8.9% | 17.7% | ||
| Q4 24 | 11.9% | 2559.8% | ||
| Q3 24 | 11.0% | 16.8% | ||
| Q2 24 | 9.9% | 24.2% |
| Q1 26 | $1.12 | — | ||
| Q4 25 | $1.13 | $1.97 | ||
| Q3 25 | $1.92 | $3.37 | ||
| Q2 25 | $1.67 | $2.54 | ||
| Q1 25 | $1.17 | $1.42 | ||
| Q4 24 | $1.48 | $1.95 | ||
| Q3 24 | $1.48 | $1.30 | ||
| Q2 24 | $1.34 | $1.85 |
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 | $229.5M | $410.0M |
| 总债务越低越好 | — | $6.2B |
| 股东权益账面价值 | $2.6B | $4.3B |
| 总资产 | $5.1B | $29.4B |
| 负债/权益比越低杠杆越低 | — | 1.45× |
8季度趋势，按日历期对齐
| Q1 26 | $229.5M | — | ||
| Q4 25 | $409.5M | $410.0M | ||
| Q3 25 | $264.8M | $62.2M | ||
| Q2 25 | $169.8M | $462.3M | ||
| Q1 25 | $136.8M | $443.4M | ||
| Q4 24 | $226.2M | $420.6M | ||
| Q3 24 | $327.9M | $667.9M | ||
| Q2 24 | $223.9M | $188.8M |
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $6.2B | ||
| Q3 25 | $546.0M | $6.2B | ||
| Q2 25 | $535.1M | $5.6B | ||
| Q1 25 | $561.2M | $5.8B | ||
| Q4 24 | $688.1M | $5.3B | ||
| Q3 24 | $822.7M | $4.9B | ||
| Q2 24 | $681.5M | $4.9B |
| Q1 26 | $2.6B | — | ||
| Q4 25 | $2.7B | $4.3B | ||
| Q3 25 | $2.8B | $4.2B | ||
| Q2 25 | $2.7B | $4.0B | ||
| Q1 25 | $2.5B | $3.9B | ||
| Q4 24 | $2.5B | $3.8B | ||
| Q3 24 | $2.5B | $3.7B | ||
| Q2 24 | $2.4B | $3.7B |
| Q1 26 | $5.1B | — | ||
| Q4 25 | $5.3B | $29.4B | ||
| Q3 25 | $5.1B | $25.4B | ||
| Q2 25 | $4.9B | $24.2B | ||
| Q1 25 | $4.5B | $23.9B | ||
| Q4 24 | $4.4B | $26.1B | ||
| Q3 24 | $4.6B | $22.9B | ||
| Q2 24 | $4.5B | $21.6B |
| Q1 26 | — | — | ||
| Q4 25 | 0.43× | 1.45× | ||
| Q3 25 | 0.20× | 1.48× | ||
| Q2 25 | 0.20× | 1.38× | ||
| Q1 25 | 0.22× | 1.48× | ||
| Q4 24 | 0.28× | 1.37× | ||
| Q3 24 | 0.32× | 1.32× | ||
| Q2 24 | 0.28× | 1.35× |
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 | — | $-1.7B |
| 自由现金流经营现金流 - 资本支出 | $53.3M | $-1.7B |
| 自由现金流率自由现金流/营收 | 5.4% | -309.3% |
| 资本支出强度资本支出/营收 | 6.7% | 2.2% |
| 现金转化率经营现金流/净利润 | — | -15.46× |
| 过去12个月自由现金流最近4个季度 | $327.0M | $-1.4B |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $183.7M | $-1.7B | ||
| Q3 25 | $177.6M | $-697.4M | ||
| Q2 25 | $126.0M | $-131.3M | ||
| Q1 25 | $82.7M | $1.1B | ||
| Q4 24 | $178.2M | $-4.5B | ||
| Q3 24 | $229.3M | $-393.7M | ||
| Q2 24 | $143.6M | $-1.1B |
| Q1 26 | $53.3M | — | ||
| Q4 25 | $96.9M | $-1.7B | ||
| Q3 25 | $114.3M | $-699.4M | ||
| Q2 25 | $62.5M | $-132.6M | ||
| Q1 25 | $25.9M | $1.1B | ||
| Q4 24 | $112.2M | $-4.5B | ||
| Q3 24 | $162.7M | $-393.9M | ||
| Q2 24 | $75.4M | $-1.1B |
| Q1 26 | 5.4% | — | ||
| Q4 25 | 10.1% | -309.3% | ||
| Q3 25 | 11.9% | -110.5% | ||
| Q2 25 | 6.5% | -29.8% | ||
| Q1 25 | 2.9% | 247.3% | ||
| Q4 24 | 13.2% | -964.7% | ||
| Q3 24 | 17.9% | -95.6% | ||
| Q2 24 | 8.3% | -269.2% |
| Q1 26 | 6.7% | — | ||
| Q4 25 | 9.0% | 2.2% | ||
| Q3 25 | 6.6% | 0.3% | ||
| Q2 25 | 6.6% | 0.3% | ||
| Q1 25 | 6.4% | 0.1% | ||
| Q4 24 | 7.8% | 0.4% | ||
| Q3 24 | 7.3% | 0.0% | ||
| Q2 24 | 7.5% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | 2.47× | -15.46× | ||
| Q3 25 | 1.39× | -3.84× | ||
| Q2 25 | 1.13× | -0.96× | ||
| Q1 25 | 1.05× | 13.97× | ||
| Q4 24 | 1.77× | -43.39× | ||
| Q3 24 | 2.29× | -5.68× | ||
| Q2 24 | 1.59× | -11.12× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
