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KinderCare Learning Companies, Inc.（KLC）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
KinderCare Learning Companies, Inc.的季度营收约是PennyMac Financial Services, Inc.的1.3倍（$676.8M vs $538.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 0.7%，领先1751.8%），PennyMac Financial Services, Inc.同比增速更快（14.4% vs 0.8%），KinderCare Learning Companies, Inc.自由现金流更多（$62.6M vs $-1.7B）
金德凯尔学习公司是1969年成立的美国营利性早教与托育机构运营商，总部位于俄勒冈州波特兰市，服务覆盖全美39个州及华盛顿哥伦比亚特区，目前在全美拥有超1250家教学点，在读儿童约20万人，面向出生6周至12岁的儿童提供教育项目，是俄勒冈州第三大私营企业。
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。
KLC vs PFSI — 直观对比
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $676.8M | $538.0M |
| 净利润 | $4.5M | $106.8M |
| 毛利率 | — | — |
| 营业利润率 | 3.9% | 25.0% |
| 净利率 | 0.7% | 1752.5% |
| 营收同比 | 0.8% | 14.4% |
| 净利润同比 | -67.4% | 2.2% |
| 每股收益（稀释后） | $0.04 | $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 | — | $538.0M | ||
| Q3 25 | $676.8M | $632.9M | ||
| Q2 25 | $700.1M | $444.7M | ||
| Q1 25 | $668.2M | $430.9M | ||
| Q4 24 | $647.0M | $470.1M | ||
| Q3 24 | $671.5M | $411.8M | ||
| Q2 24 | — | $406.1M | ||
| Q1 24 | — | $305.7M |
| Q4 25 | — | $106.8M | ||
| Q3 25 | $4.5M | $181.5M | ||
| Q2 25 | $38.6M | $136.5M | ||
| Q1 25 | $21.2M | $76.3M | ||
| Q4 24 | $-133.6M | $104.5M | ||
| Q3 24 | $14.0M | $69.4M | ||
| Q2 24 | — | $98.3M | ||
| Q1 24 | — | $39.3M |
| Q4 25 | — | 25.0% | ||
| Q3 25 | 3.9% | 37.3% | ||
| Q2 25 | 9.8% | 17.2% | ||
| Q1 25 | 7.3% | 24.2% | ||
| Q4 24 | -13.8% | 27.5% | ||
| Q3 24 | 8.1% | 22.8% | ||
| Q2 24 | — | 33.0% | ||
| Q1 24 | — | 14.4% |
| Q4 25 | — | 1752.5% | ||
| Q3 25 | 0.7% | 28.7% | ||
| Q2 25 | 5.5% | 30.7% | ||
| Q1 25 | 3.2% | 17.7% | ||
| Q4 24 | -20.6% | 2559.8% | ||
| Q3 24 | 2.1% | 16.8% | ||
| Q2 24 | — | 24.2% | ||
| Q1 24 | — | 12.9% |
| Q4 25 | — | $1.97 | ||
| Q3 25 | $0.04 | $3.37 | ||
| Q2 25 | $0.33 | $2.54 | ||
| Q1 25 | $0.18 | $1.42 | ||
| Q4 24 | $-1.17 | $1.95 | ||
| Q3 24 | $0.15 | $1.30 | ||
| Q2 24 | — | $1.85 | ||
| Q1 24 | — | $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 | $174.7M | $410.0M |
| 总债务越低越好 | $930.9M | $6.2B |
| 股东权益账面价值 | $931.2M | $4.3B |
| 总资产 | $3.9B | $29.4B |
| 负债/权益比越低杠杆越低 | 1.00× | 1.45× |
8季度趋势，按日历期对齐
| Q4 25 | — | $410.0M | ||
| Q3 25 | $174.7M | $62.2M | ||
| Q2 25 | $119.0M | $462.3M | ||
| Q1 25 | $131.3M | $443.4M | ||
| Q4 24 | $62.3M | $420.6M | ||
| Q3 24 | $137.2M | $667.9M | ||
| Q2 24 | — | $188.8M | ||
| Q1 24 | — | $69.0K |
| Q4 25 | — | $6.2B | ||
| Q3 25 | $930.9M | $6.2B | ||
| Q2 25 | $926.5M | $5.6B | ||
| Q1 25 | $927.4M | $5.8B | ||
| Q4 24 | $926.0M | $5.3B | ||
| Q3 24 | $1.5B | $4.9B | ||
| Q2 24 | — | $4.9B | ||
| Q1 24 | — | $4.5B |
| Q4 25 | — | $4.3B | ||
| Q3 25 | $931.2M | $4.2B | ||
| Q2 25 | $924.3M | $4.0B | ||
| Q1 25 | $884.9M | $3.9B | ||
| Q4 24 | $864.5M | $3.8B | ||
| Q3 24 | $235.6M | $3.7B | ||
| Q2 24 | — | $3.7B | ||
| Q1 24 | — | $3.6B |
| Q4 25 | — | $29.4B | ||
| Q3 25 | $3.9B | $25.4B | ||
| Q2 25 | $3.8B | $24.2B | ||
| Q1 25 | $3.7B | $23.9B | ||
| Q4 24 | $3.6B | $26.1B | ||
| Q3 24 | $3.7B | $22.9B | ||
| Q2 24 | — | $21.6B | ||
| Q1 24 | — | $19.8B |
| Q4 25 | — | 1.45× | ||
| Q3 25 | 1.00× | 1.48× | ||
| Q2 25 | 1.00× | 1.38× | ||
| Q1 25 | 1.05× | 1.48× | ||
| Q4 24 | 1.07× | 1.37× | ||
| Q3 24 | 6.42× | 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 | $100.8M | $-1.7B |
| 自由现金流经营现金流 - 资本支出 | $62.6M | $-1.7B |
| 自由现金流率自由现金流/营收 | 9.2% | -309.3% |
| 资本支出强度资本支出/营收 | 5.6% | 2.2% |
| 现金转化率经营现金流/净利润 | 22.15× | -15.46× |
| 过去12个月自由现金流最近4个季度 | — | $-1.4B |
8季度趋势，按日历期对齐
| Q4 25 | — | $-1.7B | ||
| Q3 25 | $100.8M | $-697.4M | ||
| Q2 25 | $35.0M | $-131.3M | ||
| Q1 25 | $98.4M | $1.1B | ||
| Q4 24 | — | $-4.5B | ||
| Q3 24 | — | $-393.7M | ||
| Q2 24 | — | $-1.1B | ||
| Q1 24 | — | $-897.9M |
| Q4 25 | — | $-1.7B | ||
| Q3 25 | $62.6M | $-699.4M | ||
| Q2 25 | $671.0K | $-132.6M | ||
| Q1 25 | $75.1M | $1.1B | ||
| Q4 24 | — | $-4.5B | ||
| Q3 24 | — | $-393.9M | ||
| Q2 24 | — | $-1.1B | ||
| Q1 24 | — | $-898.9M |
| Q4 25 | — | -309.3% | ||
| Q3 25 | 9.2% | -110.5% | ||
| Q2 25 | 0.1% | -29.8% | ||
| Q1 25 | 11.2% | 247.3% | ||
| Q4 24 | — | -964.7% | ||
| Q3 24 | — | -95.6% | ||
| Q2 24 | — | -269.2% | ||
| Q1 24 | — | -294.1% |
| Q4 25 | — | 2.2% | ||
| Q3 25 | 5.6% | 0.3% | ||
| Q2 25 | 4.9% | 0.3% | ||
| Q1 25 | 3.5% | 0.1% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | — | -15.46× | ||
| Q3 25 | 22.15× | -3.84× | ||
| Q2 25 | 0.91× | -0.96× | ||
| Q1 25 | 4.65× | 13.97× | ||
| Q4 24 | — | -43.39× | ||
| Q3 24 | — | -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
业务分部营收拆解
KLC
| Early Childhood Education Centers | $627.0M | 93% |
| Before And After School Sites | $49.8M | 7% |
PFSI
暂无分部数据
