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Beeline Holdings, Inc.（BLNE）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
PennyMac Financial Services, Inc.的季度营收约是Beeline Holdings, Inc.的3.2倍（$6.1M vs $1.9M）。PennyMac Financial Services, Inc.净利率更高（1752.5% vs -445.0%，领先2197.4%）。过去两年PennyMac Financial Services, Inc.的营收复合增速更高（29.8% vs -33.0%）
Beeline（比附，品牌名билайн）是一个移动网络运营商品牌，业务覆盖俄罗斯、哈萨克斯坦、吉尔吉斯斯坦与乌兹别克斯坦，分别隶属于VimpelCom股份公司与VEON集团。该品牌是俄罗斯第四大移动运营商，主要竞争对手包括MTS、MegaFon和T2。
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。
BLNE vs PFSI — 直观对比
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $1.9M | $6.1M |
| 净利润 | $-8.4M | $106.8M |
| 毛利率 | — | — |
| 营业利润率 | -418.4% | — |
| 净利率 | -445.0% | 1752.5% |
| 营收同比 | — | 49.3% |
| 净利润同比 | -16.1% | 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
| Q4 25 | $1.9M | $6.1M | ||
| Q3 25 | $2.3M | $4.6M | ||
| Q2 25 | $1.7M | $4.5M | ||
| Q1 25 | $1.8M | $4.9M | ||
| Q4 24 | — | $4.1M | ||
| Q3 24 | $760.0K | $3.4M | ||
| Q2 24 | $3.0M | $15.7M | ||
| Q1 24 | $2.4M | $3.6M |
| Q4 25 | $-8.4M | $106.8M | ||
| Q3 25 | $-3.9M | $181.5M | ||
| Q2 25 | $-4.1M | $136.5M | ||
| Q1 25 | $-6.8M | $76.3M | ||
| Q4 24 | — | $104.5M | ||
| Q3 24 | $-1.4M | $69.4M | ||
| Q2 24 | $-1.5M | $98.3M | ||
| Q1 24 | $-1.3M | $39.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 26.3% | — | ||
| Q2 24 | 5.2% | — | ||
| Q1 24 | 7.7% | — |
| Q4 25 | -418.4% | — | ||
| Q3 25 | -120.9% | — | ||
| Q2 25 | -229.0% | — | ||
| Q1 25 | -268.7% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -57.2% | — | ||
| Q2 24 | -11.9% | — | ||
| Q1 24 | -19.1% | — |
| Q4 25 | -445.0% | 1752.5% | ||
| Q3 25 | -167.2% | 3964.7% | ||
| Q2 25 | -237.3% | 3021.8% | ||
| Q1 25 | -372.4% | 1551.0% | ||
| Q4 24 | — | 2559.8% | ||
| Q3 24 | -178.8% | 2017.7% | ||
| Q2 24 | -50.4% | 624.6% | ||
| Q1 24 | -53.6% | 1086.8% |
| Q4 25 | — | $1.97 | ||
| Q3 25 | $-0.20 | $3.37 | ||
| Q2 25 | $-0.64 | $2.54 | ||
| Q1 25 | — | $1.42 | ||
| Q4 24 | — | $1.95 | ||
| Q3 24 | $-6.60 | $1.30 | ||
| Q2 24 | $-8.74 | $1.85 | ||
| Q1 24 | $-0.78 | $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 | $3.1M | $410.0M |
| 总债务越低越好 | — | $6.2B |
| 股东权益账面价值 | $53.6M | $4.3B |
| 总资产 | $70.2M | $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
| Q4 25 | $3.1M | $410.0M | ||
| Q3 25 | $1.3M | $62.2M | ||
| Q2 25 | $6.3M | $462.3M | ||
| Q1 25 | $1.5M | $443.4M | ||
| Q4 24 | — | $420.6M | ||
| Q3 24 | $310.0K | $667.9M | ||
| Q2 24 | $420.0K | $188.8M | ||
| Q1 24 | $147.0K | $69.0K |
| Q4 25 | — | $6.2B | ||
| Q3 25 | — | $6.2B | ||
| Q2 25 | — | $5.6B | ||
| Q1 25 | — | $5.8B | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | $8.2M | $4.9B | ||
| Q2 24 | $8.1M | $4.9B | ||
| Q1 24 | $8.1M | $4.5B |
| Q4 25 | $53.6M | $4.3B | ||
| Q3 25 | $51.7M | $4.2B | ||
| Q2 25 | $54.6M | $4.0B | ||
| Q1 25 | $47.1M | $3.9B | ||
| Q4 24 | — | $3.8B | ||
| Q3 24 | $-2.5M | $3.7B | ||
| Q2 24 | $-1.9M | $3.7B | ||
| Q1 24 | $-476.0K | $3.6B |
| Q4 25 | $70.2M | $29.4B | ||
| Q3 25 | $63.2M | $25.4B | ||
| Q2 25 | $68.6M | $24.2B | ||
| Q1 25 | $63.8M | $23.9B | ||
| Q4 24 | — | $26.1B | ||
| Q3 24 | $16.2M | $22.9B | ||
| Q2 24 | $16.6M | $21.6B | ||
| Q1 24 | $17.0M | $19.8B |
| Q4 25 | — | 1.45× | ||
| Q3 25 | — | 1.48× | ||
| Q2 25 | — | 1.38× | ||
| Q1 25 | — | 1.48× | ||
| Q4 24 | — | 1.37× | ||
| Q3 24 | — | 1.32× | ||
| Q2 24 | — | 1.35× | ||
| Q1 24 | — | 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 | $-10.0M | $-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
| Q4 25 | $-10.0M | $-1.9B | ||
| Q3 25 | $-5.8M | $-697.4M | ||
| Q2 25 | $-4.1M | $-131.3M | ||
| Q1 25 | $-1.5M | $1.1B | ||
| Q4 24 | — | $-2.1B | ||
| Q3 24 | $-652.0K | $-393.7M | ||
| Q2 24 | $-872.0K | $-1.1B | ||
| Q1 24 | $-82.0K | $-897.9M |
| Q4 25 | — | $-1.9B | ||
| Q3 25 | — | $-699.4M | ||
| Q2 25 | — | $-132.6M | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $-2.1B | ||
| Q3 24 | — | $-393.9M | ||
| Q2 24 | — | $-1.1B | ||
| Q1 24 | — | $-898.9M |
| Q4 25 | — | -31125.7% | ||
| Q3 25 | — | -15278.5% | ||
| Q2 25 | — | -2936.7% | ||
| Q1 25 | — | 21667.1% | ||
| Q4 24 | — | -52645.4% | ||
| Q3 24 | — | -11456.0% | ||
| Q2 24 | — | -6949.9% | ||
| Q1 24 | — | -24850.9% |
| Q4 25 | — | 134.0% | ||
| Q3 25 | — | 45.3% | ||
| Q2 25 | — | 28.9% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 4.3% | ||
| Q2 24 | — | 2.5% | ||
| Q1 24 | — | 25.4% |
| Q4 25 | — | -17.68× | ||
| Q3 25 | — | -3.84× | ||
| Q2 25 | — | -0.96× | ||
| Q1 25 | — | 13.97× | ||
| Q4 24 | — | -20.56× | ||
| Q3 24 | — | -5.68× | ||
| Q2 24 | — | -11.12× | ||
| Q1 24 | — | -22.84× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
