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Dayforce（DAY）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Dayforce的1.1倍（$538.0M vs $481.6M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs -40.9%，领先1793.3%），PennyMac Financial Services, Inc.同比增速更快（14.4% vs 9.5%），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 9.8%）
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
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。
DAY vs PFSI — 直观对比
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $538.0M |
| 净利润 | $-196.8M | $106.8M |
| 毛利率 | — | — |
| 营业利润率 | 6.3% | 25.0% |
| 净利率 | -40.9% | 1752.5% |
| 营收同比 | 9.5% | 14.4% |
| 净利润同比 | -9940.0% | 2.2% |
| 每股收益（稀释后） | $-1.23 | $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 | — | $538.0M | ||
| Q3 25 | $481.6M | $632.9M | ||
| Q2 25 | $464.7M | $444.7M | ||
| Q1 25 | $481.8M | $430.9M | ||
| Q4 24 | $465.2M | $470.1M | ||
| Q3 24 | $440.0M | $411.8M | ||
| Q2 24 | $423.3M | $406.1M | ||
| Q1 24 | $431.5M | $305.7M |
| Q4 25 | — | $106.8M | ||
| Q3 25 | $-196.8M | $181.5M | ||
| Q2 25 | $21.3M | $136.5M | ||
| Q1 25 | $14.9M | $76.3M | ||
| Q4 24 | $10.8M | $104.5M | ||
| Q3 24 | $2.0M | $69.4M | ||
| Q2 24 | $-1.8M | $98.3M | ||
| Q1 24 | $7.1M | $39.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 47.0% | — | ||
| Q3 24 | 45.8% | — | ||
| Q2 24 | 44.1% | — | ||
| Q1 24 | 47.6% | — |
| Q4 25 | — | 25.0% | ||
| Q3 25 | 6.3% | 37.3% | ||
| Q2 25 | 9.1% | 17.2% | ||
| Q1 25 | 6.4% | 24.2% | ||
| Q4 24 | 6.1% | 27.5% | ||
| Q3 24 | 4.7% | 22.8% | ||
| Q2 24 | 3.3% | 33.0% | ||
| Q1 24 | 9.4% | 14.4% |
| Q4 25 | — | 1752.5% | ||
| Q3 25 | -40.9% | 28.7% | ||
| Q2 25 | 4.6% | 30.7% | ||
| Q1 25 | 3.1% | 17.7% | ||
| Q4 24 | 2.3% | 2559.8% | ||
| Q3 24 | 0.5% | 16.8% | ||
| Q2 24 | -0.4% | 24.2% | ||
| Q1 24 | 1.6% | 12.9% |
| Q4 25 | — | $1.97 | ||
| Q3 25 | $-1.23 | $3.37 | ||
| Q2 25 | $0.13 | $2.54 | ||
| Q1 25 | $0.09 | $1.42 | ||
| Q4 24 | $0.07 | $1.95 | ||
| Q3 24 | $0.01 | $1.30 | ||
| Q2 24 | $-0.01 | $1.85 | ||
| Q1 24 | $0.04 | $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 | $627.6M | $410.0M |
| 总债务越低越好 | $631.1M | $6.2B |
| 股东权益账面价值 | $2.7B | $4.3B |
| 总资产 | $8.7B | $29.4B |
| 负债/权益比越低杠杆越低 | 0.23× | 1.45× |
8季度趋势，按日历期对齐
| Q4 25 | — | $410.0M | ||
| Q3 25 | $627.6M | $62.2M | ||
| Q2 25 | $625.2M | $462.3M | ||
| Q1 25 | $557.3M | $443.4M | ||
| Q4 24 | $579.7M | $420.6M | ||
| Q3 24 | $494.1M | $667.9M | ||
| Q2 24 | $465.4M | $188.8M | ||
| Q1 24 | $392.5M | $69.0K |
| Q4 25 | — | $6.2B | ||
| Q3 25 | $631.1M | $6.2B | ||
| Q2 25 | $631.8M | $5.6B | ||
| Q1 25 | $632.4M | $5.8B | ||
| Q4 24 | $1.2B | $5.3B | ||
| Q3 24 | $1.2B | $4.9B | ||
| Q2 24 | $1.2B | $4.9B | ||
| Q1 24 | $1.2B | $4.5B |
| Q4 25 | — | $4.3B | ||
| Q3 25 | $2.7B | $4.2B | ||
| Q2 25 | $2.7B | $4.0B | ||
| Q1 25 | $2.6B | $3.9B | ||
| Q4 24 | $2.5B | $3.8B | ||
| Q3 24 | $2.6B | $3.7B | ||
| Q2 24 | $2.5B | $3.7B | ||
| Q1 24 | $2.4B | $3.6B |
| Q4 25 | — | $29.4B | ||
| Q3 25 | $8.7B | $25.4B | ||
| Q2 25 | $8.5B | $24.2B | ||
| Q1 25 | $9.5B | $23.9B | ||
| Q4 24 | $9.1B | $26.1B | ||
| Q3 24 | $8.1B | $22.9B | ||
| Q2 24 | $9.0B | $21.6B | ||
| Q1 24 | $10.8B | $19.8B |
| Q4 25 | — | 1.45× | ||
| Q3 25 | 0.23× | 1.48× | ||
| Q2 25 | 0.23× | 1.38× | ||
| Q1 25 | 0.24× | 1.48× | ||
| Q4 24 | 0.47× | 1.37× | ||
| Q3 24 | 0.47× | 1.32× | ||
| Q2 24 | 0.49× | 1.35× | ||
| Q1 24 | 0.50× | 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 | $31.2M | $-1.7B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.7B |
| 自由现金流率自由现金流/营收 | — | -309.3% |
| 资本支出强度资本支出/营收 | — | 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 | — | $-1.4B |
8季度趋势，按日历期对齐
| Q4 25 | — | $-1.7B | ||
| Q3 25 | $31.2M | $-697.4M | ||
| Q2 25 | $112.7M | $-131.3M | ||
| Q1 25 | $49.6M | $1.1B | ||
| Q4 24 | $81.0M | $-4.5B | ||
| Q3 24 | $91.8M | $-393.7M | ||
| Q2 24 | $99.2M | $-1.1B | ||
| Q1 24 | $9.1M | $-897.9M |
| Q4 25 | — | $-1.7B | ||
| Q3 25 | — | $-699.4M | ||
| Q2 25 | — | $-132.6M | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $-4.5B | ||
| Q3 24 | — | $-393.9M | ||
| Q2 24 | — | $-1.1B | ||
| Q1 24 | — | $-898.9M |
| Q4 25 | — | -309.3% | ||
| Q3 25 | — | -110.5% | ||
| Q2 25 | — | -29.8% | ||
| Q1 25 | — | 247.3% | ||
| Q4 24 | — | -964.7% | ||
| Q3 24 | — | -95.6% | ||
| Q2 24 | — | -269.2% | ||
| Q1 24 | — | -294.1% |
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | — | -15.46× | ||
| Q3 25 | — | -3.84× | ||
| Q2 25 | 5.29× | -0.96× | ||
| Q1 25 | 3.33× | 13.97× | ||
| Q4 24 | 7.50× | -43.39× | ||
| Q3 24 | 45.90× | -5.68× | ||
| Q2 24 | — | -11.12× | ||
| Q1 24 | 1.28× | -22.84× |
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
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
PFSI
暂无分部数据
