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Finance of America Companies Inc.（FOA）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
Finance of America Companies Inc.的季度营收约是PennyMac Financial Services, Inc.的12.1倍（$73.5M vs $6.1M）。PennyMac Financial Services, Inc.净利率更高（1752.5% vs -14.1%，领先1766.6%）。Finance of America Companies Inc.同比增速更快（248.7% vs 49.3%）。过去两年PennyMac Financial Services, Inc.的营收复合增速更高（29.8% 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。
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。
FOA vs PFSI — 直观对比
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $73.5M | $6.1M |
| 净利润 | $-10.4M | $106.8M |
| 毛利率 | — | — |
| 营业利润率 | -29.9% | — |
| 净利率 | -14.1% | 1752.5% |
| 营收同比 | 248.7% | 49.3% |
| 净利润同比 | 82.4% | 2.2% |
| 每股收益（稀释后） | $0.45 | $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 | $73.5M | $6.1M | ||
| Q3 25 | $80.8M | $4.6M | ||
| Q2 25 | $177.4M | $4.5M | ||
| Q1 25 | $165.7M | $4.9M | ||
| Q4 24 | $-49.4M | $4.1M | ||
| Q3 24 | $290.1M | $3.4M | ||
| Q2 24 | $79.0M | $15.7M | ||
| Q1 24 | $74.7M | $3.6M |
| Q4 25 | $-10.4M | $106.8M | ||
| Q3 25 | $-9.5M | $181.5M | ||
| Q2 25 | $34.9M | $136.5M | ||
| Q1 25 | $30.2M | $76.3M | ||
| Q4 24 | $-59.1M | $104.5M | ||
| Q3 24 | $84.2M | $69.4M | ||
| Q2 24 | $-2.1M | $98.3M | ||
| Q1 24 | $-7.5M | $39.3M |
| Q4 25 | -29.9% | — | ||
| Q3 25 | -35.3% | — | ||
| Q2 25 | 46.2% | — | ||
| Q1 25 | 49.3% | — | ||
| Q4 24 | 295.0% | — | ||
| Q3 24 | 71.8% | — | ||
| Q2 24 | -4.8% | — | ||
| Q1 24 | -21.1% | — |
| Q4 25 | -14.1% | 1752.5% | ||
| Q3 25 | -11.8% | 3964.7% | ||
| Q2 25 | 19.7% | 3021.8% | ||
| Q1 25 | 18.2% | 1551.0% | ||
| Q4 24 | 119.5% | 2559.8% | ||
| Q3 24 | 29.0% | 2017.7% | ||
| Q2 24 | -2.6% | 624.6% | ||
| Q1 24 | -10.1% | 1086.8% |
| Q4 25 | $0.45 | $1.97 | ||
| Q3 25 | $-1.27 | $3.37 | ||
| Q2 25 | $2.13 | $2.54 | ||
| Q1 25 | $2.43 | $1.42 | ||
| Q4 24 | $-5.24 | $1.95 | ||
| Q3 24 | $7.50 | $1.30 | ||
| Q2 24 | $-0.30 | $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 | $89.5M | $410.0M |
| 总债务越低越好 | $357.5M | $6.2B |
| 股东权益账面价值 | $395.6M | $4.3B |
| 总资产 | $30.7B | $29.4B |
| 负债/权益比越低杠杆越低 | 0.90× | 1.45× |
8季度趋势，按日历期对齐
| Q4 25 | $89.5M | $410.0M | ||
| Q3 25 | $109.8M | $62.2M | ||
| Q2 25 | $46.5M | $462.3M | ||
| Q1 25 | $52.0M | $443.4M | ||
| Q4 24 | $47.4M | $420.6M | ||
| Q3 24 | $44.3M | $667.9M | ||
| Q2 24 | $46.5M | $188.8M | ||
| Q1 24 | $48.2M | $69.0K |
| Q4 25 | $357.5M | $6.2B | ||
| Q3 25 | $390.0M | $6.2B | ||
| Q2 25 | — | $5.6B | ||
| Q1 25 | — | $5.8B | ||
| Q4 24 | $374.5M | $5.3B | ||
| Q3 24 | — | $4.9B | ||
| Q2 24 | — | $4.9B | ||
| Q1 24 | — | $4.5B |
| Q4 25 | $395.6M | $4.3B | ||
| Q3 25 | $365.8M | $4.2B | ||
| Q2 25 | $473.4M | $4.0B | ||
| Q1 25 | $394.9M | $3.9B | ||
| Q4 24 | $315.7M | $3.8B | ||
| Q3 24 | $456.5M | $3.7B | ||
| Q2 24 | $251.3M | $3.7B | ||
| Q1 24 | $255.7M | $3.6B |
| Q4 25 | $30.7B | $29.4B | ||
| Q3 25 | $30.7B | $25.4B | ||
| Q2 25 | $30.1B | $24.2B | ||
| Q1 25 | $29.7B | $23.9B | ||
| Q4 24 | $29.2B | $26.1B | ||
| Q3 24 | $29.0B | $22.9B | ||
| Q2 24 | $28.0B | $21.6B | ||
| Q1 24 | $27.7B | $19.8B |
| Q4 25 | 0.90× | 1.45× | ||
| Q3 25 | 1.07× | 1.48× | ||
| Q2 25 | — | 1.38× | ||
| Q1 25 | — | 1.48× | ||
| Q4 24 | 1.19× | 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 | $-91.4M | $-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 | $-91.4M | $-1.9B | ||
| Q3 25 | $-149.7M | $-697.4M | ||
| Q2 25 | $-96.5M | $-131.3M | ||
| Q1 25 | $-92.1M | $1.1B | ||
| Q4 24 | $-106.2M | $-2.1B | ||
| Q3 24 | $-81.4M | $-393.7M | ||
| Q2 24 | $-104.0M | $-1.1B | ||
| Q1 24 | $-132.2M | $-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 | $-132.7M | $-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 | -177.7% | -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 | 0.6% | 25.4% |
| Q4 25 | — | -17.68× | ||
| Q3 25 | — | -3.84× | ||
| Q2 25 | -2.76× | -0.96× | ||
| Q1 25 | -3.05× | 13.97× | ||
| Q4 24 | — | -20.56× | ||
| Q3 24 | -0.97× | -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
