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Finance of America Companies Inc.（FOA）与ONITY GROUP INC.（ONIT）财务数据对比。点击上方公司名可切换其他公司
ONITY GROUP INC.的季度营收约是Finance of America Companies Inc.的3.9倍（$290.0M vs $73.5M）。ONITY GROUP INC.净利率更高（43.9% vs -14.1%，领先58.0%）。Finance of America Companies Inc.同比增速更快（248.7% vs 29.0%）。过去两年ONITY GROUP INC.的营收复合增速更高（10.1% vs -0.8%）
洛克特公司是一家美国金融科技与住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。依托核心子公司Rocket Mortgage，该公司已是美国规模最大的抵押贷款机构之一，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
奥尼提集团（原奥克文）是一家提供住宅及商业抵押贷款 servicing、特殊 servicing以及资产管理服务的供应商，业务性质也可概括为向房主收取每月本金与利息。公司成立于1988年，总部位于佛罗里达州西棕榈滩，在美国多地及菲律宾、印度都设有办公及支持运营点。
FOA vs ONIT — 直观对比
营收规模更大
ONIT
是对方的3.9倍
$73.5M
营收增速更快
FOA
高出219.7%
29.0%
净利率更高
ONIT
高出58.0%
-14.1%
两年增速更快
ONIT
近两年复合增速
-0.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $73.5M | $290.0M |
| 净利润 | $-10.4M | $127.2M |
| 毛利率 | — | — |
| 营业利润率 | -29.9% | — |
| 净利率 | -14.1% | 43.9% |
| 营收同比 | 248.7% | 29.0% |
| 净利润同比 | 82.4% | 552.7% |
| 每股收益（稀释后） | $0.45 | $14.53 |
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
营收FOAONIT
| Q4 25 | $73.5M | $290.0M | ||
| Q3 25 | $80.8M | $280.3M | ||
| Q2 25 | $177.4M | $246.6M | ||
| Q1 25 | $165.7M | $249.8M | ||
| Q4 24 | $-49.4M | $224.8M | ||
| Q3 24 | $290.1M | $265.7M | ||
| Q2 24 | $79.0M | $246.4M | ||
| Q1 24 | $74.7M | $239.1M |
净利润FOAONIT
| Q4 25 | $-10.4M | $127.2M | ||
| Q3 25 | $-9.5M | $18.7M | ||
| Q2 25 | $34.9M | $21.5M | ||
| Q1 25 | $30.2M | $22.1M | ||
| Q4 24 | $-59.1M | $-28.1M | ||
| Q3 24 | $84.2M | $21.4M | ||
| Q2 24 | $-2.1M | $10.5M | ||
| Q1 24 | $-7.5M | $30.1M |
营业利润率FOAONIT
| Q4 25 | -29.9% | — | ||
| Q3 25 | -35.3% | — | ||
| Q2 25 | 46.2% | — | ||
| Q1 25 | 49.3% | 3.6% | ||
| Q4 24 | 295.0% | -14.9% | ||
| Q3 24 | 71.8% | 10.4% | ||
| Q2 24 | -4.8% | 5.5% | ||
| Q1 24 | -21.1% | 13.3% |
净利率FOAONIT
| Q4 25 | -14.1% | 43.9% | ||
| Q3 25 | -11.8% | 6.7% | ||
| Q2 25 | 19.7% | 8.7% | ||
| Q1 25 | 18.2% | 8.8% | ||
| Q4 24 | 119.5% | -12.5% | ||
| Q3 24 | 29.0% | 8.1% | ||
| Q2 24 | -2.6% | 4.3% | ||
| Q1 24 | -10.1% | 12.6% |
每股收益（稀释后）FOAONIT
| Q4 25 | $0.45 | $14.53 | ||
| Q3 25 | $-1.27 | $2.03 | ||
| Q2 25 | $2.13 | $2.40 | ||
| Q1 25 | $2.43 | $2.50 | ||
| Q4 24 | $-5.24 | $-3.59 | ||
| Q3 24 | $7.50 | $2.65 | ||
| Q2 24 | $-0.30 | $1.33 | ||
| Q1 24 | $-0.78 | $3.74 |
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 | $89.5M | $180.5M |
| 总债务越低越好 | $357.5M | — |
| 股东权益账面价值 | $395.6M | $627.9M |
| 总资产 | $30.7B | $16.2B |
| 负债/权益比越低杠杆越低 | 0.90× | — |
8季度趋势，按日历期对齐
现金及短期投资FOAONIT
| Q4 25 | $89.5M | $180.5M | ||
| Q3 25 | $109.8M | $172.8M | ||
| Q2 25 | $46.5M | $194.3M | ||
| Q1 25 | $52.0M | $178.0M | ||
| Q4 24 | $47.4M | $184.8M | ||
| Q3 24 | $44.3M | $201.6M | ||
| Q2 24 | $46.5M | $203.1M | ||
| Q1 24 | $48.2M | $185.1M |
总债务FOAONIT
| Q4 25 | $357.5M | — | ||
| Q3 25 | $390.0M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $374.5M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FOAONIT
| Q4 25 | $395.6M | $627.9M | ||
| Q3 25 | $365.8M | $501.4M | ||
| Q2 25 | $473.4M | $481.9M | ||
| Q1 25 | $394.9M | $460.2M | ||
| Q4 24 | $315.7M | $442.9M | ||
| Q3 24 | $456.5M | $468.2M | ||
| Q2 24 | $251.3M | $446.2M | ||
| Q1 24 | $255.7M | $432.1M |
总资产FOAONIT
| Q4 25 | $30.7B | $16.2B | ||
| Q3 25 | $30.7B | $16.1B | ||
| Q2 25 | $30.1B | $16.5B | ||
| Q1 25 | $29.7B | $16.3B | ||
| Q4 24 | $29.2B | $16.4B | ||
| Q3 24 | $29.0B | $13.2B | ||
| Q2 24 | $28.0B | $13.1B | ||
| Q1 24 | $27.7B | $13.1B |
负债/权益比FOAONIT
| Q4 25 | 0.90× | — | ||
| Q3 25 | 1.07× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.19× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-91.4M | $-230.6M |
| 自由现金流经营现金流 - 资本支出 | — | $-232.5M |
| 自由现金流率自由现金流/营收 | — | -80.2% |
| 资本支出强度资本支出/营收 | — | 0.7% |
| 现金转化率经营现金流/净利润 | — | -1.81× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流FOAONIT
| Q4 25 | $-91.4M | $-230.6M | ||
| Q3 25 | $-149.7M | $229.5M | ||
| Q2 25 | $-96.5M | $-598.8M | ||
| Q1 25 | $-92.1M | $-148.1M | ||
| Q4 24 | $-106.2M | $-218.0M | ||
| Q3 24 | $-81.4M | $19.2M | ||
| Q2 24 | $-104.0M | $-77.9M | ||
| Q1 24 | $-132.2M | $-297.1M |
自由现金流FOAONIT
| Q4 25 | — | $-232.5M | ||
| Q3 25 | — | $228.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $-148.4M | ||
| Q4 24 | — | $-218.5M | ||
| Q3 24 | — | $19.1M | ||
| Q2 24 | — | $-78.0M | ||
| Q1 24 | $-132.7M | $-297.2M |
自由现金流率FOAONIT
| Q4 25 | — | -80.2% | ||
| Q3 25 | — | 81.6% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -59.4% | ||
| Q4 24 | — | -97.2% | ||
| Q3 24 | — | 7.2% | ||
| Q2 24 | — | -31.7% | ||
| Q1 24 | -177.7% | -124.3% |
资本支出强度FOAONIT
| Q4 25 | — | 0.7% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | 0.6% | 0.0% |
现金转化率FOAONIT
| Q4 25 | — | -1.81× | ||
| Q3 25 | — | 12.27× | ||
| Q2 25 | -2.76× | -27.85× | ||
| Q1 25 | -3.05× | -6.70× | ||
| Q4 24 | — | — | ||
| Q3 24 | -0.97× | 0.90× | ||
| Q2 24 | — | -7.42× | ||
| Q1 24 | — | -9.87× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
