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NAVIENT CORP（NAVI）与PUMA BIOTECHNOLOGY, INC.（PBYI）财务数据对比。点击上方公司名可切换其他公司
NAVIENT CORP的季度营收约是PUMA BIOTECHNOLOGY, INC.的1.8倍（$137.0M vs $75.5M），PUMA BIOTECHNOLOGY, INC.同比增速更快（27.7% vs -38.3%），过去两年PUMA BIOTECHNOLOGY, INC.的营收复合增速更高（31.3% vs -30.9%）
纳文特公司是一家总部位于美国特拉华州威尔明顿的金融服务企业，前身是学生贷款服务商。公司于2014年由学生贷款机构萨利美拆分而来，目前在美国各地设有办事处，共有约4500名员工，2018年时曾承接全美四分之一的学生贷款业务，2024年被禁止承接联邦学生贷款业务。
彪马生物技术是一家公开上市的生物制药企业，总部位于美国加利福尼亚州洛杉矶，专注于创新药物研发相关业务，在生物制药领域开展研发与商业化运营。
NAVI vs PBYI — 直观对比
营收规模更大
NAVI
是对方的1.8倍
$75.5M
营收增速更快
PBYI
高出66.0%
-38.3%
两年增速更快
PBYI
近两年复合增速
-30.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $137.0M | $75.5M |
| 净利润 | $-6.0M | — |
| 毛利率 | — | 69.3% |
| 营业利润率 | -5.9% | 22.7% |
| 净利率 | -5.0% | — |
| 营收同比 | -38.3% | 27.7% |
| 净利润同比 | -125.0% | — |
| 每股收益（稀释后） | $-0.05 | $0.26 |
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NAVIPBYI
| Q4 25 | $137.0M | $75.5M | ||
| Q3 25 | $161.0M | $54.5M | ||
| Q2 25 | $156.0M | $52.4M | ||
| Q1 25 | $156.0M | $46.0M | ||
| Q4 24 | $222.0M | $59.1M | ||
| Q3 24 | $396.0M | $80.5M | ||
| Q2 24 | $247.0M | $47.1M | ||
| Q1 24 | $287.0M | $43.8M |
净利润NAVIPBYI
| Q4 25 | $-6.0M | — | ||
| Q3 25 | $-86.0M | $8.8M | ||
| Q2 25 | $14.0M | $5.9M | ||
| Q1 25 | $-2.0M | $3.0M | ||
| Q4 24 | $24.0M | — | ||
| Q3 24 | $-2.0M | $20.3M | ||
| Q2 24 | $36.0M | $-4.5M | ||
| Q1 24 | $73.0M | $-4.8M |
毛利率NAVIPBYI
| Q4 25 | — | 69.3% | ||
| Q3 25 | — | 77.7% | ||
| Q2 25 | — | 76.5% | ||
| Q1 25 | — | 77.1% | ||
| Q4 24 | — | 76.4% | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 77.4% | ||
| Q1 24 | — | 75.5% |
营业利润率NAVIPBYI
| Q4 25 | -5.9% | 22.7% | ||
| Q3 25 | -72.7% | 17.6% | ||
| Q2 25 | 11.5% | 12.7% | ||
| Q1 25 | -3.2% | 8.7% | ||
| Q4 24 | 11.7% | 22.6% | ||
| Q3 24 | 3.0% | 27.4% | ||
| Q2 24 | 19.4% | -4.6% | ||
| Q1 24 | 30.7% | -5.3% |
净利率NAVIPBYI
| Q4 25 | -5.0% | — | ||
| Q3 25 | -53.4% | 16.2% | ||
| Q2 25 | 9.0% | 11.2% | ||
| Q1 25 | -1.3% | 6.5% | ||
| Q4 24 | 10.8% | — | ||
| Q3 24 | -0.5% | 25.2% | ||
| Q2 24 | 14.6% | -9.6% | ||
| Q1 24 | 25.4% | -11.0% |
每股收益（稀释后）NAVIPBYI
| Q4 25 | $-0.05 | $0.26 | ||
| Q3 25 | $-0.87 | $0.17 | ||
| Q2 25 | $0.13 | $0.12 | ||
| Q1 25 | $-0.02 | $0.06 | ||
| Q4 24 | $0.24 | $0.40 | ||
| Q3 24 | $-0.02 | $0.41 | ||
| Q2 24 | $0.32 | $-0.09 | ||
| Q1 24 | $0.64 | $-0.10 |
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 | $637.0M | $97.5M |
| 总债务越低越好 | $40.6B | $22.7M |
| 股东权益账面价值 | $2.4B | $130.3M |
| 总资产 | $48.7B | $216.3M |
| 负债/权益比越低杠杆越低 | 16.94× | 0.17× |
8季度趋势，按日历期对齐
现金及短期投资NAVIPBYI
| Q4 25 | $637.0M | $97.5M | ||
| Q3 25 | $571.0M | $94.4M | ||
| Q2 25 | $712.0M | $96.0M | ||
| Q1 25 | $642.0M | $93.2M | ||
| Q4 24 | $722.0M | $101.0M | ||
| Q3 24 | $1.1B | $96.7M | ||
| Q2 24 | $1.1B | $96.8M | ||
| Q1 24 | $823.0M | $107.2M |
总债务NAVIPBYI
| Q4 25 | $40.6B | $22.7M | ||
| Q3 25 | $41.4B | $34.0M | ||
| Q2 25 | $42.3B | $45.3M | ||
| Q1 25 | $42.9B | $56.7M | ||
| Q4 24 | $43.2B | $68.0M | ||
| Q3 24 | $44.7B | $79.3M | ||
| Q2 24 | $47.5B | $90.7M | ||
| Q1 24 | $50.8B | $102.0M |
股东权益NAVIPBYI
| Q4 25 | $2.4B | $130.3M | ||
| Q3 25 | $2.4B | $115.3M | ||
| Q2 25 | $2.6B | $104.7M | ||
| Q1 25 | $2.6B | $97.1M | ||
| Q4 24 | $2.6B | $92.1M | ||
| Q3 24 | $2.7B | $71.1M | ||
| Q2 24 | $2.7B | $48.5M | ||
| Q1 24 | $2.8B | $51.0M |
总资产NAVIPBYI
| Q4 25 | $48.7B | $216.3M | ||
| Q3 25 | $49.3B | $202.9M | ||
| Q2 25 | $50.2B | $194.9M | ||
| Q1 25 | $51.0B | $196.2M | ||
| Q4 24 | $51.8B | $213.3M | ||
| Q3 24 | $53.4B | $220.7M | ||
| Q2 24 | $56.6B | $205.0M | ||
| Q1 24 | $59.0B | $214.1M |
负债/权益比NAVIPBYI
| Q4 25 | 16.94× | 0.17× | ||
| Q3 25 | 16.98× | 0.30× | ||
| Q2 25 | 16.52× | 0.43× | ||
| Q1 25 | 16.56× | 0.58× | ||
| Q4 24 | 16.35× | 0.74× | ||
| Q3 24 | 16.59× | 1.12× | ||
| Q2 24 | 17.30× | 1.87× | ||
| Q1 24 | 18.38× | 2.00× |
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 | $441.0M | $14.4M |
| 自由现金流经营现金流 - 资本支出 | — | $14.4M |
| 自由现金流率自由现金流/营收 | — | 19.1% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $41.7M |
8季度趋势，按日历期对齐
经营现金流NAVIPBYI
| Q4 25 | $441.0M | $14.4M | ||
| Q3 25 | $70.0M | $9.7M | ||
| Q2 25 | $126.0M | $14.1M | ||
| Q1 25 | $71.0M | $3.6M | ||
| Q4 24 | $459.0M | $15.6M | ||
| Q3 24 | $-10.0M | $11.0M | ||
| Q2 24 | $279.0M | $1.0M | ||
| Q1 24 | $182.0M | $11.2M |
自由现金流NAVIPBYI
| Q4 25 | — | $14.4M | ||
| Q3 25 | — | $9.7M | ||
| Q2 25 | — | $14.1M | ||
| Q1 25 | — | $3.6M | ||
| Q4 24 | — | $15.6M | ||
| Q3 24 | — | $11.0M | ||
| Q2 24 | — | $1.0M | ||
| Q1 24 | — | — |
自由现金流率NAVIPBYI
| Q4 25 | — | 19.1% | ||
| Q3 25 | — | 17.7% | ||
| Q2 25 | — | 26.8% | ||
| Q1 25 | — | 7.7% | ||
| Q4 24 | — | 26.4% | ||
| Q3 24 | — | 13.7% | ||
| Q2 24 | — | 2.1% | ||
| Q1 24 | — | — |
资本支出强度NAVIPBYI
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.0% |
现金转化率NAVIPBYI
| Q4 25 | — | — | ||
| Q3 25 | — | 1.10× | ||
| Q2 25 | 9.00× | 2.41× | ||
| Q1 25 | — | 1.21× | ||
| Q4 24 | 19.13× | — | ||
| Q3 24 | — | 0.54× | ||
| Q2 24 | 7.75× | — | ||
| Q1 24 | 2.49× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
