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Finance of America Companies Inc.（FOA）与UWM Holdings Corp（UWMC）财务数据对比。点击上方公司名可切换其他公司
UWM Holdings Corp的季度营收约是Finance of America Companies Inc.的12.9倍（$945.2M vs $73.5M）。UWM Holdings Corp净利率更高（2.1% vs -14.1%，领先16.2%）。Finance of America Companies Inc.同比增速更快（248.7% vs 68.7%）。过去两年UWM Holdings Corp的营收复合增速更高（28.8% 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。
UWM控股（前身为联合海岸金融服务）是总部位于美国密歇根州庞蒂亚克的批发抵押贷款机构，专门为独立贷款经纪人提供贷款承销服务，据2024年公开数据显示，该公司是目前美国规模最大的抵押贷款放贷机构。
FOA vs UWMC — 直观对比
营收规模更大
UWMC
是对方的12.9倍
$73.5M
营收增速更快
FOA
高出180.0%
68.7%
净利率更高
UWMC
高出16.2%
-14.1%
两年增速更快
UWMC
近两年复合增速
-0.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $73.5M | $945.2M |
| 净利润 | $-10.4M | $19.4M |
| 毛利率 | — | — |
| 营业利润率 | -29.9% | 17.9% |
| 净利率 | -14.1% | 2.1% |
| 营收同比 | 248.7% | 68.7% |
| 净利润同比 | 82.4% | 117.6% |
| 每股收益（稀释后） | $0.45 | $0.14 |
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FOAUWMC
| Q4 25 | $73.5M | $945.2M | ||
| Q3 25 | $80.8M | $843.3M | ||
| Q2 25 | $177.4M | $758.7M | ||
| Q1 25 | $165.7M | $613.4M | ||
| Q4 24 | $-49.4M | $560.2M | ||
| Q3 24 | $290.1M | $526.4M | ||
| Q2 24 | $79.0M | $507.1M | ||
| Q1 24 | $74.7M | $570.0M |
净利润FOAUWMC
| Q4 25 | $-10.4M | $19.4M | ||
| Q3 25 | $-9.5M | $-1.3M | ||
| Q2 25 | $34.9M | $22.9M | ||
| Q1 25 | $30.2M | $-13.7M | ||
| Q4 24 | $-59.1M | $8.9M | ||
| Q3 24 | $84.2M | $-6.3M | ||
| Q2 24 | $-2.1M | $3.0M | ||
| Q1 24 | $-7.5M | $8.7M |
营业利润率FOAUWMC
| Q4 25 | -29.9% | 17.9% | ||
| Q3 25 | -35.3% | 1.5% | ||
| Q2 25 | 46.2% | 43.4% | ||
| Q1 25 | 49.3% | -42.5% | ||
| Q4 24 | 295.0% | 7.6% | ||
| Q3 24 | 71.8% | 6.1% | ||
| Q2 24 | -4.8% | 15.2% | ||
| Q1 24 | -21.1% | 32.3% |
净利率FOAUWMC
| Q4 25 | -14.1% | 2.1% | ||
| Q3 25 | -11.8% | -0.1% | ||
| Q2 25 | 19.7% | 3.0% | ||
| Q1 25 | 18.2% | -2.2% | ||
| Q4 24 | 119.5% | 1.6% | ||
| Q3 24 | 29.0% | -1.2% | ||
| Q2 24 | -2.6% | 0.6% | ||
| Q1 24 | -10.1% | 1.5% |
每股收益（稀释后）FOAUWMC
| Q4 25 | $0.45 | $0.14 | ||
| Q3 25 | $-1.27 | $-0.01 | ||
| Q2 25 | $2.13 | $0.11 | ||
| Q1 25 | $2.43 | $-0.12 | ||
| Q4 24 | $-5.24 | $0.07 | ||
| Q3 24 | $7.50 | $-0.06 | ||
| Q2 24 | $-0.30 | $0.03 | ||
| Q1 24 | $-0.78 | $0.09 |
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 | $503.4M |
| 总债务越低越好 | $357.5M | $3.0B |
| 股东权益账面价值 | $395.6M | $1.6B |
| 总资产 | $30.7B | $16.9B |
| 负债/权益比越低杠杆越低 | 0.90× | 1.87× |
8季度趋势，按日历期对齐
现金及短期投资FOAUWMC
| Q4 25 | $89.5M | $503.4M | ||
| Q3 25 | $109.8M | $870.7M | ||
| Q2 25 | $46.5M | $490.0M | ||
| Q1 25 | $52.0M | $485.0M | ||
| Q4 24 | $47.4M | $507.3M | ||
| Q3 24 | $44.3M | $636.3M | ||
| Q2 24 | $46.5M | $680.2M | ||
| Q1 24 | $48.2M | $605.6M |
总债务FOAUWMC
| Q4 25 | $357.5M | $3.0B | ||
| Q3 25 | $390.0M | $3.8B | ||
| Q2 25 | — | $2.8B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | $374.5M | $2.8B | ||
| Q3 24 | — | $2.0B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $2.0B |
股东权益FOAUWMC
| Q4 25 | $395.6M | $1.6B | ||
| Q3 25 | $365.8M | $1.6B | ||
| Q2 25 | $473.4M | $1.7B | ||
| Q1 25 | $394.9M | $1.6B | ||
| Q4 24 | $315.7M | $2.1B | ||
| Q3 24 | $456.5M | $2.2B | ||
| Q2 24 | $251.3M | $2.3B | ||
| Q1 24 | $255.7M | $2.5B |
总资产FOAUWMC
| Q4 25 | $30.7B | $16.9B | ||
| Q3 25 | $30.7B | $17.0B | ||
| Q2 25 | $30.1B | $13.9B | ||
| Q1 25 | $29.7B | $14.0B | ||
| Q4 24 | $29.2B | $15.7B | ||
| Q3 24 | $29.0B | $15.1B | ||
| Q2 24 | $28.0B | $12.9B | ||
| Q1 24 | $27.7B | $12.8B |
负债/权益比FOAUWMC
| Q4 25 | 0.90× | 1.87× | ||
| Q3 25 | 1.07× | 2.38× | ||
| Q2 25 | — | 1.59× | ||
| Q1 25 | — | 1.70× | ||
| Q4 24 | 1.19× | 1.36× | ||
| Q3 24 | — | 0.92× | ||
| Q2 24 | — | 0.86× | ||
| Q1 24 | — | 0.81× |
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 | $103.8M |
| 自由现金流经营现金流 - 资本支出 | — | $82.0M |
| 自由现金流率自由现金流/营收 | — | 8.7% |
| 资本支出强度资本支出/营收 | — | 2.3% |
| 现金转化率经营现金流/净利润 | — | 5.34× |
| 过去12个月自由现金流最近4个季度 | — | $-2.7B |
8季度趋势，按日历期对齐
经营现金流FOAUWMC
| Q4 25 | $-91.4M | $103.8M | ||
| Q3 25 | $-149.7M | $-3.1B | ||
| Q2 25 | $-96.5M | $-265.9M | ||
| Q1 25 | $-92.1M | $593.9M | ||
| Q4 24 | $-106.2M | $-543.3M | ||
| Q3 24 | $-81.4M | $-2.2B | ||
| Q2 24 | $-104.0M | $-1.3B | ||
| Q1 24 | $-132.2M | $-2.2B |
自由现金流FOAUWMC
| Q4 25 | — | $82.0M | ||
| Q3 25 | — | $-3.1B | ||
| Q2 25 | — | $-290.1M | ||
| Q1 25 | — | $576.1M | ||
| Q4 24 | — | $-551.6M | ||
| Q3 24 | — | $-2.2B | ||
| Q2 24 | — | $-1.3B | ||
| Q1 24 | $-132.7M | $-2.2B |
自由现金流率FOAUWMC
| Q4 25 | — | 8.7% | ||
| Q3 25 | — | -366.4% | ||
| Q2 25 | — | -38.2% | ||
| Q1 25 | — | 93.9% | ||
| Q4 24 | — | -98.5% | ||
| Q3 24 | — | -416.1% | ||
| Q2 24 | — | -262.1% | ||
| Q1 24 | -177.7% | -387.7% |
资本支出强度FOAUWMC
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 3.2% | ||
| Q1 25 | — | 2.9% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 2.4% | ||
| Q1 24 | 0.6% | 1.2% |
现金转化率FOAUWMC
| Q4 25 | — | 5.34× | ||
| Q3 25 | — | — | ||
| Q2 25 | -2.76× | -11.61× | ||
| Q1 25 | -3.05× | — | ||
| Q4 24 | — | -60.91× | ||
| Q3 24 | -0.97× | — | ||
| Q2 24 | — | -431.86× | ||
| Q1 24 | — | -252.32× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
