vs
美国运通（AXP）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
美国运通的季度营收约是PennyMac Financial Services, Inc.的3.1倍（$18.9M vs $6.1M）。PennyMac Financial Services, Inc.净利率更高（1752.5% vs 15.7%，领先1736.8%）。PennyMac Financial Services, Inc.同比增速更快（49.3% vs 11.4%）。过去两年PennyMac Financial Services, Inc.的营收复合增速更高（29.8% vs -95.6%）
美国运通是全球知名的支付服务提供商，主营签账卡、信用卡产品及旅行相关服务，下设全球消费者服务、全球商业服务、全球商户与网络服务三大业务板块，还提供支付融资、网络服务、应付账款费用管理、旅行生活服务等多元解决方案。
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。
AXP vs PFSI — 直观对比
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $6.1M |
| 净利润 | $3.0M | $106.8M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 15.7% | 1752.5% |
| 营收同比 | 11.4% | 49.3% |
| 净利润同比 | 15.0% | 2.2% |
| 每股收益（稀释后） | — | $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 | $18.9M | — | ||
| Q4 25 | $10.9B | $6.1M | ||
| Q3 25 | $10.4B | $4.6M | ||
| Q2 25 | $10.3B | $4.5M | ||
| Q1 25 | $9.6B | $4.9M | ||
| Q4 24 | $10.0B | $4.1M | ||
| Q3 24 | $9.7B | $3.4M | ||
| Q2 24 | $9.8B | $15.7M |
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $106.8M | ||
| Q3 25 | $2.9B | $181.5M | ||
| Q2 25 | $2.9B | $136.5M | ||
| Q1 25 | $2.6B | $76.3M | ||
| Q4 24 | $2.2B | $104.5M | ||
| Q3 24 | $2.5B | $69.4M | ||
| Q2 24 | $3.0B | $98.3M |
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | — | ||
| Q3 25 | 36.7% | — | ||
| Q2 25 | 34.4% | — | ||
| Q1 25 | 34.6% | — | ||
| Q4 24 | 27.7% | — | ||
| Q3 24 | 33.0% | — | ||
| Q2 24 | 38.6% | — |
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | 1752.5% | ||
| Q3 25 | 27.9% | 3964.7% | ||
| Q2 25 | 28.0% | 3021.8% | ||
| Q1 25 | 26.8% | 1551.0% | ||
| Q4 24 | 21.8% | 2559.8% | ||
| Q3 24 | 25.8% | 2017.7% | ||
| Q2 24 | 30.7% | 624.6% |
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $1.97 | ||
| Q3 25 | $4.14 | $3.37 | ||
| Q2 25 | $4.08 | $2.54 | ||
| Q1 25 | $3.64 | $1.42 | ||
| Q4 24 | $3.04 | $1.95 | ||
| Q3 24 | $3.49 | $1.30 | ||
| Q2 24 | $4.15 | $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 | — | $410.0M |
| 总债务越低越好 | $60.4M | $6.2B |
| 股东权益账面价值 | $34.0M | $4.3B |
| 总资产 | $308.9M | $29.4B |
| 负债/权益比越低杠杆越低 | 1.78× | 1.45× |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $410.0M | ||
| Q3 25 | $1.3B | $62.2M | ||
| Q2 25 | $197.0M | $462.3M | ||
| Q1 25 | $261.0M | $443.4M | ||
| Q4 24 | $221.0M | $420.6M | ||
| Q3 24 | $120.0M | $667.9M | ||
| Q2 24 | $188.0M | $188.8M |
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | $6.2B | ||
| Q3 25 | $57.8B | $6.2B | ||
| Q2 25 | $58.2B | $5.6B | ||
| Q1 25 | $51.2B | $5.8B | ||
| Q4 24 | $49.7B | $5.3B | ||
| Q3 24 | $53.5B | $4.9B | ||
| Q2 24 | $51.5B | $4.9B |
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $4.3B | ||
| Q3 25 | $32.4B | $4.2B | ||
| Q2 25 | $32.3B | $4.0B | ||
| Q1 25 | $31.2B | $3.9B | ||
| Q4 24 | $30.3B | $3.8B | ||
| Q3 24 | $29.7B | $3.7B | ||
| Q2 24 | $29.5B | $3.7B |
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $29.4B | ||
| Q3 25 | $297.6B | $25.4B | ||
| Q2 25 | $295.6B | $24.2B | ||
| Q1 25 | $282.2B | $23.9B | ||
| Q4 24 | $271.5B | $26.1B | ||
| Q3 24 | $271.0B | $22.9B | ||
| Q2 24 | $272.2B | $21.6B |
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | 1.45× | ||
| Q3 25 | 1.78× | 1.48× | ||
| Q2 25 | 1.80× | 1.38× | ||
| Q1 25 | 1.64× | 1.48× | ||
| Q4 24 | 1.64× | 1.37× | ||
| Q3 24 | 1.80× | 1.32× | ||
| Q2 24 | 1.74× | 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 | — | $-1.9B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.9B |
| 自由现金流率自由现金流/营收 | — | -31125.7% |
| 资本支出强度资本支出/营收 | — | 134.0% |
| 现金转化率经营现金流/净利润 | — | -17.68× |
| 过去12个月自由现金流最近4个季度 | — | $-1.7B |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $-1.9B | ||
| Q3 25 | $6.2B | $-697.4M | ||
| Q2 25 | $4.4B | $-131.3M | ||
| Q1 25 | $4.8B | $1.1B | ||
| Q4 24 | $5.8B | $-2.1B | ||
| Q3 24 | $-1.8B | $-393.7M | ||
| Q2 24 | $4.5B | $-1.1B |
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-1.9B | ||
| Q3 25 | $5.6B | $-699.4M | ||
| Q2 25 | $3.7B | $-132.6M | ||
| Q1 25 | $4.3B | $1.1B | ||
| Q4 24 | $5.3B | $-2.1B | ||
| Q3 24 | $-2.3B | $-393.9M | ||
| Q2 24 | $4.0B | $-1.1B |
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -31125.7% | ||
| Q3 25 | 53.6% | -15278.5% | ||
| Q2 25 | 36.3% | -2936.7% | ||
| Q1 25 | 45.0% | 21667.1% | ||
| Q4 24 | 53.1% | -52645.4% | ||
| Q3 24 | -23.3% | -11456.0% | ||
| Q2 24 | 40.4% | -6949.9% |
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 134.0% | ||
| Q3 25 | 6.3% | 45.3% | ||
| Q2 25 | 6.0% | 28.9% | ||
| Q1 25 | 4.5% | 7.5% | ||
| Q4 24 | 5.0% | 6.1% | ||
| Q3 24 | 4.7% | 4.3% | ||
| Q2 24 | 5.8% | 2.5% |
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | -17.68× | ||
| Q3 25 | 2.15× | -3.84× | ||
| Q2 25 | 1.51× | -0.96× | ||
| Q1 25 | 1.84× | 13.97× | ||
| Q4 24 | 2.66× | -20.56× | ||
| Q3 24 | -0.72× | -5.68× | ||
| Q2 24 | 1.50× | -11.12× |
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
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
PFSI
暂无分部数据
