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FIVE BELOW, INC（FIVE）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
FIVE BELOW, INC的季度营收约是PennyMac Financial Services, Inc.的1.9倍（$1.0B vs $538.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 3.5%，领先1749.0%），FIVE BELOW, INC同比增速更快（23.1% vs 14.4%），FIVE BELOW, INC自由现金流更多（$-133.2M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs -11.9%）
Five Below是美国特色折扣礼品连锁品牌，2002年成立，总部位于宾夕法尼亚州费城，主要面向青少年消费群体，旗下绝大多数商品定价不超过5美元，另有少量精选商品最高定价40美元，目前在全美拥有超过1850家线下门店。
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。
FIVE vs PFSI — 直观对比
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.0B | $538.0M |
| 净利润 | $36.5M | $106.8M |
| 毛利率 | 33.8% | — |
| 营业利润率 | 4.2% | 25.0% |
| 净利率 | 3.5% | 1752.5% |
| 营收同比 | 23.1% | 14.4% |
| 净利润同比 | 2063.9% | 2.2% |
| 每股收益（稀释后） | $0.66 | $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 | $1.0B | $538.0M | ||
| Q3 25 | $1.0B | $632.9M | ||
| Q2 25 | $970.5M | $444.7M | ||
| Q1 25 | $1.4B | $430.9M | ||
| Q4 24 | $843.7M | $470.1M | ||
| Q3 24 | $830.1M | $411.8M | ||
| Q2 24 | $811.9M | $406.1M | ||
| Q1 24 | $1.3B | $305.7M |
| Q4 25 | $36.5M | $106.8M | ||
| Q3 25 | $42.8M | $181.5M | ||
| Q2 25 | $41.1M | $136.5M | ||
| Q1 25 | $187.5M | $76.3M | ||
| Q4 24 | $1.7M | $104.5M | ||
| Q3 24 | $33.0M | $69.4M | ||
| Q2 24 | $31.5M | $98.3M | ||
| Q1 24 | $202.2M | $39.3M |
| Q4 25 | 33.8% | — | ||
| Q3 25 | 33.3% | — | ||
| Q2 25 | 33.4% | — | ||
| Q1 25 | 40.2% | — | ||
| Q4 24 | 30.6% | — | ||
| Q3 24 | 32.7% | — | ||
| Q2 24 | 32.5% | — | ||
| Q1 24 | 41.2% | — |
| Q4 25 | 4.2% | 25.0% | ||
| Q3 25 | 5.1% | 37.3% | ||
| Q2 25 | 5.2% | 17.2% | ||
| Q1 25 | 17.7% | 24.2% | ||
| Q4 24 | -0.1% | 27.5% | ||
| Q3 24 | 5.0% | 22.8% | ||
| Q2 24 | 4.5% | 33.0% | ||
| Q1 24 | 20.1% | 14.4% |
| Q4 25 | 3.5% | 1752.5% | ||
| Q3 25 | 4.2% | 28.7% | ||
| Q2 25 | 4.2% | 30.7% | ||
| Q1 25 | 13.5% | 17.7% | ||
| Q4 24 | 0.2% | 2559.8% | ||
| Q3 24 | 4.0% | 16.8% | ||
| Q2 24 | 3.9% | 24.2% | ||
| Q1 24 | 15.1% | 12.9% |
| Q4 25 | $0.66 | $1.97 | ||
| Q3 25 | $0.77 | $3.37 | ||
| Q2 25 | $0.75 | $2.54 | ||
| Q1 25 | $3.40 | $1.42 | ||
| Q4 24 | $0.03 | $1.95 | ||
| Q3 24 | $0.60 | $1.30 | ||
| Q2 24 | $0.57 | $1.85 | ||
| Q1 24 | $3.64 | $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 | $524.5M | $410.0M |
| 总债务越低越好 | — | $6.2B |
| 股东权益账面价值 | $2.0B | $4.3B |
| 总资产 | $4.8B | $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 | $524.5M | $410.0M | ||
| Q3 25 | $670.2M | $62.2M | ||
| Q2 25 | $624.0M | $462.3M | ||
| Q1 25 | $528.8M | $443.4M | ||
| Q4 24 | $216.6M | $420.6M | ||
| Q3 24 | $327.7M | $667.9M | ||
| Q2 24 | $369.6M | $188.8M | ||
| Q1 24 | $460.1M | $69.0K |
| Q4 25 | — | $6.2B | ||
| Q3 25 | — | $6.2B | ||
| Q2 25 | — | $5.6B | ||
| Q1 25 | — | $5.8B | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | — | $4.9B | ||
| Q2 24 | — | $4.9B | ||
| Q1 24 | — | $4.5B |
| Q4 25 | $2.0B | $4.3B | ||
| Q3 25 | $1.9B | $4.2B | ||
| Q2 25 | $1.9B | $4.0B | ||
| Q1 25 | $1.8B | $3.9B | ||
| Q4 24 | $1.6B | $3.8B | ||
| Q3 24 | $1.6B | $3.7B | ||
| Q2 24 | $1.6B | $3.7B | ||
| Q1 24 | $1.6B | $3.6B |
| Q4 25 | $4.8B | $29.4B | ||
| Q3 25 | $4.6B | $25.4B | ||
| Q2 25 | $4.5B | $24.2B | ||
| Q1 25 | $4.3B | $23.9B | ||
| Q4 24 | $4.2B | $26.1B | ||
| Q3 24 | $4.0B | $22.9B | ||
| Q2 24 | $3.9B | $21.6B | ||
| Q1 24 | $3.9B | $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 | $-80.1M | $-1.7B |
| 自由现金流经营现金流 - 资本支出 | $-133.2M | $-1.7B |
| 自由现金流率自由现金流/营收 | -12.8% | -309.3% |
| 资本支出强度资本支出/营收 | 5.1% | 2.2% |
| 现金转化率经营现金流/净利润 | -2.19× | -15.46× |
| 过去12个月自由现金流最近4个季度 | $323.0M | $-1.4B |
8季度趋势，按日历期对齐
| Q4 25 | $-80.1M | $-1.7B | ||
| Q3 25 | $93.0M | $-697.4M | ||
| Q2 25 | $132.7M | $-131.3M | ||
| Q1 25 | $363.5M | $1.1B | ||
| Q4 24 | $-30.6M | $-4.5B | ||
| Q3 24 | $71.3M | $-393.7M | ||
| Q2 24 | $26.4M | $-1.1B | ||
| Q1 24 | $407.7M | $-897.9M |
| Q4 25 | $-133.2M | $-1.7B | ||
| Q3 25 | $48.3M | $-699.4M | ||
| Q2 25 | $96.5M | $-132.6M | ||
| Q1 25 | $311.4M | $1.1B | ||
| Q4 24 | $-111.0M | $-4.5B | ||
| Q3 24 | $-32.4M | $-393.9M | ||
| Q2 24 | $-61.4M | $-1.1B | ||
| Q1 24 | $304.6M | $-898.9M |
| Q4 25 | -12.8% | -309.3% | ||
| Q3 25 | 4.7% | -110.5% | ||
| Q2 25 | 9.9% | -29.8% | ||
| Q1 25 | 22.4% | 247.3% | ||
| Q4 24 | -13.2% | -964.7% | ||
| Q3 24 | -3.9% | -95.6% | ||
| Q2 24 | -7.6% | -269.2% | ||
| Q1 24 | 22.8% | -294.1% |
| Q4 25 | 5.1% | 2.2% | ||
| Q3 25 | 4.4% | 0.3% | ||
| Q2 25 | 3.7% | 0.3% | ||
| Q1 25 | 3.7% | 0.1% | ||
| Q4 24 | 9.5% | 0.4% | ||
| Q3 24 | 12.5% | 0.0% | ||
| Q2 24 | 10.8% | 0.1% | ||
| Q1 24 | 7.7% | 0.3% |
| Q4 25 | -2.19× | -15.46× | ||
| Q3 25 | 2.17× | -3.84× | ||
| Q2 25 | 3.22× | -0.96× | ||
| Q1 25 | 1.94× | 13.97× | ||
| Q4 24 | -18.13× | -43.39× | ||
| Q3 24 | 2.16× | -5.68× | ||
| Q2 24 | 0.84× | -11.12× | ||
| Q1 24 | 2.02× | -22.84× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
