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ExlService Holdings, Inc.（EXLS）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
ExlService Holdings, Inc.的季度营收约是PennyMac Financial Services, Inc.的1.0倍（$542.6M vs $538.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 11.1%，领先1741.4%），PennyMac Financial Services, Inc.同比增速更快（14.4% vs 12.7%），ExlService Holdings, Inc.自由现金流更多（$106.5M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 11.5%）
ExlService Holdings Inc.是全球知名的分析与数字解决方案服务商，服务覆盖保险、医疗健康、银行金融服务、媒体、零售等多个行业，总部位于纽约，在美国、欧洲、亚洲、拉美、澳大利亚、南非等地拥有超过5.4万名专业从业人员。
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。
EXLS vs PFSI — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $542.6M | $538.0M |
| 净利润 | $60.2M | $106.8M |
| 毛利率 | 38.6% | — |
| 营业利润率 | 14.4% | 25.0% |
| 净利率 | 11.1% | 1752.5% |
| 营收同比 | 12.7% | 14.4% |
| 净利润同比 | 18.9% | 2.2% |
| 每股收益（稀释后） | $0.38 | $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 | $542.6M | $538.0M | ||
| Q3 25 | $529.6M | $632.9M | ||
| Q2 25 | $514.5M | $444.7M | ||
| Q1 25 | $501.0M | $430.9M | ||
| Q4 24 | $481.4M | $470.1M | ||
| Q3 24 | $472.1M | $411.8M | ||
| Q2 24 | $448.4M | $406.1M | ||
| Q1 24 | $436.5M | $305.7M |
| Q4 25 | $60.2M | $106.8M | ||
| Q3 25 | $58.2M | $181.5M | ||
| Q2 25 | $66.1M | $136.5M | ||
| Q1 25 | $66.6M | $76.3M | ||
| Q4 24 | $50.7M | $104.5M | ||
| Q3 24 | $53.0M | $69.4M | ||
| Q2 24 | $45.8M | $98.3M | ||
| Q1 24 | $48.8M | $39.3M |
| Q4 25 | 38.6% | — | ||
| Q3 25 | 38.5% | — | ||
| Q2 25 | 37.7% | — | ||
| Q1 25 | 38.6% | — | ||
| Q4 24 | 38.1% | — | ||
| Q3 24 | 37.8% | — | ||
| Q2 24 | 37.1% | — | ||
| Q1 24 | 37.4% | — |
| Q4 25 | 14.4% | 25.0% | ||
| Q3 25 | 14.4% | 37.3% | ||
| Q2 25 | 15.8% | 17.2% | ||
| Q1 25 | 15.7% | 24.2% | ||
| Q4 24 | 14.8% | 27.5% | ||
| Q3 24 | 14.7% | 22.8% | ||
| Q2 24 | 13.7% | 33.0% | ||
| Q1 24 | 14.1% | 14.4% |
| Q4 25 | 11.1% | 1752.5% | ||
| Q3 25 | 11.0% | 28.7% | ||
| Q2 25 | 12.8% | 30.7% | ||
| Q1 25 | 13.3% | 17.7% | ||
| Q4 24 | 10.5% | 2559.8% | ||
| Q3 24 | 11.2% | 16.8% | ||
| Q2 24 | 10.2% | 24.2% | ||
| Q1 24 | 11.2% | 12.9% |
| Q4 25 | $0.38 | $1.97 | ||
| Q3 25 | $0.36 | $3.37 | ||
| Q2 25 | $0.40 | $2.54 | ||
| Q1 25 | $0.40 | $1.42 | ||
| Q4 24 | $0.31 | $1.95 | ||
| Q3 24 | $0.33 | $1.30 | ||
| Q2 24 | $0.28 | $1.85 | ||
| Q1 24 | $0.29 | $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 | $328.4M | $410.0M |
| 总债务越低越好 | $298.6M | $6.2B |
| 股东权益账面价值 | $912.7M | $4.3B |
| 总资产 | $1.7B | $29.4B |
| 负债/权益比越低杠杆越低 | 0.33× | 1.45× |
8季度趋势，按日历期对齐
| Q4 25 | $328.4M | $410.0M | ||
| Q3 25 | $390.1M | $62.2M | ||
| Q2 25 | $353.3M | $462.3M | ||
| Q1 25 | $331.4M | $443.4M | ||
| Q4 24 | $340.6M | $420.6M | ||
| Q3 24 | $325.8M | $667.9M | ||
| Q2 24 | $276.1M | $188.8M | ||
| Q1 24 | $246.2M | $69.0K |
| Q4 25 | $298.6M | $6.2B | ||
| Q3 25 | $354.8M | $6.2B | ||
| Q2 25 | $260.0M | $5.6B | ||
| Q1 25 | $307.3M | $5.8B | ||
| Q4 24 | $288.5M | $5.3B | ||
| Q3 24 | $344.7M | $4.9B | ||
| Q2 24 | — | $4.9B | ||
| Q1 24 | — | $4.5B |
| Q4 25 | $912.7M | $4.3B | ||
| Q3 25 | $952.4M | $4.2B | ||
| Q2 25 | $1.1B | $4.0B | ||
| Q1 25 | $1.0B | $3.9B | ||
| Q4 24 | $929.9M | $3.8B | ||
| Q3 24 | $907.6M | $3.7B | ||
| Q2 24 | $852.6M | $3.7B | ||
| Q1 24 | $803.3M | $3.6B |
| Q4 25 | $1.7B | $29.4B | ||
| Q3 25 | $1.7B | $25.4B | ||
| Q2 25 | $1.7B | $24.2B | ||
| Q1 25 | $1.7B | $23.9B | ||
| Q4 24 | $1.6B | $26.1B | ||
| Q3 24 | $1.6B | $22.9B | ||
| Q2 24 | $1.5B | $21.6B | ||
| Q1 24 | $1.4B | $19.8B |
| Q4 25 | 0.33× | 1.45× | ||
| Q3 25 | 0.37× | 1.48× | ||
| Q2 25 | 0.25× | 1.38× | ||
| Q1 25 | 0.30× | 1.48× | ||
| Q4 24 | 0.31× | 1.37× | ||
| Q3 24 | 0.38× | 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 | $117.4M | $-1.7B |
| 自由现金流经营现金流 - 资本支出 | $106.5M | $-1.7B |
| 自由现金流率自由现金流/营收 | 19.6% | -309.3% |
| 资本支出强度资本支出/营收 | 2.0% | 2.2% |
| 现金转化率经营现金流/净利润 | 1.95× | -15.46× |
| 过去12个月自由现金流最近4个季度 | $298.1M | $-1.4B |
8季度趋势，按日历期对齐
| Q4 25 | $117.4M | $-1.7B | ||
| Q3 25 | $120.7M | $-697.4M | ||
| Q2 25 | $109.4M | $-131.3M | ||
| Q1 25 | $3.2M | $1.1B | ||
| Q4 24 | $105.3M | $-4.5B | ||
| Q3 24 | $110.1M | $-393.7M | ||
| Q2 24 | $74.9M | $-1.1B | ||
| Q1 24 | $-21.9M | $-897.9M |
| Q4 25 | $106.5M | $-1.7B | ||
| Q3 25 | $106.4M | $-699.4M | ||
| Q2 25 | $95.0M | $-132.6M | ||
| Q1 25 | $-9.7M | $1.1B | ||
| Q4 24 | $95.3M | $-4.5B | ||
| Q3 24 | $97.3M | $-393.9M | ||
| Q2 24 | $62.8M | $-1.1B | ||
| Q1 24 | $-33.1M | $-898.9M |
| Q4 25 | 19.6% | -309.3% | ||
| Q3 25 | 20.1% | -110.5% | ||
| Q2 25 | 18.5% | -29.8% | ||
| Q1 25 | -1.9% | 247.3% | ||
| Q4 24 | 19.8% | -964.7% | ||
| Q3 24 | 20.6% | -95.6% | ||
| Q2 24 | 14.0% | -269.2% | ||
| Q1 24 | -7.6% | -294.1% |
| Q4 25 | 2.0% | 2.2% | ||
| Q3 25 | 2.7% | 0.3% | ||
| Q2 25 | 2.8% | 0.3% | ||
| Q1 25 | 2.6% | 0.1% | ||
| Q4 24 | 2.1% | 0.4% | ||
| Q3 24 | 2.7% | 0.0% | ||
| Q2 24 | 2.7% | 0.1% | ||
| Q1 24 | 2.6% | 0.3% |
| Q4 25 | 1.95× | -15.46× | ||
| Q3 25 | 2.08× | -3.84× | ||
| Q2 25 | 1.66× | -0.96× | ||
| Q1 25 | 0.05× | 13.97× | ||
| Q4 24 | 2.08× | -43.39× | ||
| Q3 24 | 2.08× | -5.68× | ||
| Q2 24 | 1.63× | -11.12× | ||
| Q1 24 | -0.45× | -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
EXLS
| Insurance | $185.8M | 34% |
| Healthcare And Life Sciences | $142.2M | 26% |
| Banking Capital Markets And Diversified Industries | $122.6M | 23% |
| International Growth Markets | $92.0M | 17% |
PFSI
暂无分部数据
