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丰田北美（MPAA）与PROVIDENT FINANCIAL SERVICES INC（PFS）财务数据对比。点击上方公司名可切换其他公司
PROVIDENT FINANCIAL SERVICES INC的季度营收约是丰田北美的1.3倍（$225.7M vs $167.7M），PROVIDENT FINANCIAL SERVICES INC同比增速更快（9.6% vs -9.9%），PROVIDENT FINANCIAL SERVICES INC自由现金流更多（$430.7M vs $-8.6M），过去两年PROVIDENT FINANCIAL SERVICES INC的营收复合增速更高（40.4% vs -5.9%）
丰田北美（TMNA）是丰田汽车旗下负责加拿大、墨西哥及美国全境业务的运营子公司，业务范围覆盖研发、生产制造、销售营销、售后及企业管理等板块，相关核心业务由TMNA统筹，部分板块由其他子公司及控股企业负责执行，公司总部位于得克萨斯州普莱诺，在肯塔基州乔治敦等多地设有分支机构。
PNC金融服务集团是总部位于美国宾夕法尼亚州匹兹堡的银行控股及金融服务企业，旗下银行子公司PNC银行业务覆盖美国27个州和华盛顿特区，拥有2629家营业网点与9523台ATM机，是美国资产规模、网点数量、存款规模、ATM保有量均位居前列的大型银行机构。
MPAA vs PFS — 直观对比
营收规模更大
PFS
是对方的1.3倍
$167.7M
营收增速更快
PFS
高出19.5%
-9.9%
自由现金流更多
PFS
多$439.4M
$-8.6M
两年增速更快
PFS
近两年复合增速
-5.9%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $167.7M | $225.7M |
| 净利润 | $1.8M | — |
| 毛利率 | 19.6% | — |
| 营业利润率 | 5.0% | 49.7% |
| 净利率 | 1.1% | — |
| 营收同比 | -9.9% | 9.6% |
| 净利润同比 | -22.4% | — |
| 每股收益（稀释后） | $0.09 | $0.64 |
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MPAAPFS
| Q4 25 | $167.7M | $225.7M | ||
| Q3 25 | $221.5M | $221.8M | ||
| Q2 25 | $188.4M | $214.2M | ||
| Q1 25 | $193.1M | $208.8M | ||
| Q4 24 | $186.2M | $205.9M | ||
| Q3 24 | $208.2M | $210.6M | ||
| Q2 24 | $169.9M | $163.8M | ||
| Q1 24 | $189.5M | $114.5M |
净利润MPAAPFS
| Q4 25 | $1.8M | — | ||
| Q3 25 | $-2.1M | $71.7M | ||
| Q2 25 | $3.0M | $72.0M | ||
| Q1 25 | $-722.0K | $64.0M | ||
| Q4 24 | $2.3M | — | ||
| Q3 24 | $-3.0M | $46.4M | ||
| Q2 24 | $-18.1M | $-11.5M | ||
| Q1 24 | $1.3M | $32.1M |
毛利率MPAAPFS
| Q4 25 | 19.6% | — | ||
| Q3 25 | 19.3% | — | ||
| Q2 25 | 18.0% | — | ||
| Q1 25 | 19.9% | — | ||
| Q4 24 | 24.1% | — | ||
| Q3 24 | 19.8% | — | ||
| Q2 24 | 17.2% | — | ||
| Q1 24 | 18.4% | — |
营业利润率MPAAPFS
| Q4 25 | 5.0% | 49.7% | ||
| Q3 25 | 7.4% | 45.8% | ||
| Q2 25 | 10.7% | 47.8% | ||
| Q1 25 | 8.4% | 44.0% | ||
| Q4 24 | 9.4% | 30.5% | ||
| Q3 24 | 6.0% | 31.0% | ||
| Q2 24 | -3.8% | -13.0% | ||
| Q1 24 | 6.4% | 37.5% |
净利率MPAAPFS
| Q4 25 | 1.1% | — | ||
| Q3 25 | -1.0% | 32.3% | ||
| Q2 25 | 1.6% | 33.6% | ||
| Q1 25 | -0.4% | 30.7% | ||
| Q4 24 | 1.2% | — | ||
| Q3 24 | -1.4% | 22.0% | ||
| Q2 24 | -10.6% | -7.0% | ||
| Q1 24 | 0.7% | 28.0% |
每股收益（稀释后）MPAAPFS
| Q4 25 | $0.09 | $0.64 | ||
| Q3 25 | $-0.11 | $0.55 | ||
| Q2 25 | $0.15 | $0.55 | ||
| Q1 25 | $-0.03 | $0.49 | ||
| Q4 24 | $0.11 | $0.37 | ||
| Q3 24 | $-0.15 | $0.36 | ||
| Q2 24 | $-0.92 | $-0.11 | ||
| Q1 24 | $0.06 | $0.43 |
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 | $19.6M | $209.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $258.5M | $2.8B |
| 总资产 | $991.3M | $25.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资MPAAPFS
| Q4 25 | $19.6M | $209.1M | ||
| Q3 25 | $17.7M | $299.2M | ||
| Q2 25 | $14.5M | $258.0M | ||
| Q1 25 | $11.3M | $234.1M | ||
| Q4 24 | $12.7M | $205.9M | ||
| Q3 24 | $12.3M | $244.0M | ||
| Q2 24 | $9.4M | $290.5M | ||
| Q1 24 | $15.8M | $158.3M |
股东权益MPAAPFS
| Q4 25 | $258.5M | $2.8B | ||
| Q3 25 | $258.5M | $2.8B | ||
| Q2 25 | $260.1M | $2.7B | ||
| Q1 25 | $257.7M | $2.7B | ||
| Q4 24 | $262.7M | $2.6B | ||
| Q3 24 | $264.0M | $2.6B | ||
| Q2 24 | $267.2M | $2.6B | ||
| Q1 24 | $285.1M | $1.7B |
总资产MPAAPFS
| Q4 25 | $991.3M | $25.0B | ||
| Q3 25 | $990.0M | $24.8B | ||
| Q2 25 | $973.4M | $24.5B | ||
| Q1 25 | $957.6M | $24.2B | ||
| Q4 24 | $949.5M | $24.1B | ||
| Q3 24 | $986.2M | $24.0B | ||
| Q2 24 | $978.0M | $24.1B | ||
| Q1 24 | $1.0B | $14.1B |
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 | $-8.2M | $442.3M |
| 自由现金流经营现金流 - 资本支出 | $-8.6M | $430.7M |
| 自由现金流率自由现金流/营收 | -5.2% | 190.8% |
| 资本支出强度资本支出/营收 | 0.2% | 5.1% |
| 现金转化率经营现金流/净利润 | -4.63× | — |
| 过去12个月自由现金流最近4个季度 | $27.7M | $797.4M |
8季度趋势，按日历期对齐
经营现金流MPAAPFS
| Q4 25 | $-8.2M | $442.3M | ||
| Q3 25 | $21.9M | $98.0M | ||
| Q2 25 | $10.0M | $186.8M | ||
| Q1 25 | $9.1M | $88.5M | ||
| Q4 24 | $34.4M | $426.4M | ||
| Q3 24 | $22.9M | $69.2M | ||
| Q2 24 | $-20.8M | $76.5M | ||
| Q1 24 | $-9.3M | $41.4M |
自由现金流MPAAPFS
| Q4 25 | $-8.6M | $430.7M | ||
| Q3 25 | $20.8M | $96.7M | ||
| Q2 25 | $9.2M | $182.6M | ||
| Q1 25 | $6.2M | $87.4M | ||
| Q4 24 | $33.7M | $425.1M | ||
| Q3 24 | $22.3M | $67.9M | ||
| Q2 24 | $-21.3M | $75.5M | ||
| Q1 24 | $-9.8M | $40.9M |
自由现金流率MPAAPFS
| Q4 25 | -5.2% | 190.8% | ||
| Q3 25 | 9.4% | 43.6% | ||
| Q2 25 | 4.9% | 85.2% | ||
| Q1 25 | 3.2% | 41.9% | ||
| Q4 24 | 18.1% | 206.4% | ||
| Q3 24 | 10.7% | 32.2% | ||
| Q2 24 | -12.6% | 46.1% | ||
| Q1 24 | -5.2% | 35.7% |
资本支出强度MPAAPFS
| Q4 25 | 0.2% | 5.1% | ||
| Q3 25 | 0.5% | 0.6% | ||
| Q2 25 | 0.4% | 2.0% | ||
| Q1 25 | 1.5% | 0.5% | ||
| Q4 24 | 0.4% | 0.6% | ||
| Q3 24 | 0.3% | 0.6% | ||
| Q2 24 | 0.3% | 0.6% | ||
| Q1 24 | 0.3% | 0.5% |
现金转化率MPAAPFS
| Q4 25 | -4.63× | — | ||
| Q3 25 | — | 1.37× | ||
| Q2 25 | 3.30× | 2.59× | ||
| Q1 25 | — | 1.38× | ||
| Q4 24 | 15.00× | — | ||
| Q3 24 | — | 1.49× | ||
| Q2 24 | — | — | ||
| Q1 24 | -6.93× | 1.29× |
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
MPAA
| Reportable Segment Aggregation Before Other Operating Segment | $156.3M | 93% |
| Other | $11.4M | 7% |
PFS
暂无分部数据
