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Natural Grocers by Vitamin Cottage, Inc.（NGVC）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
PennyMac Financial Services, Inc.的季度营收约是Natural Grocers by Vitamin Cottage, Inc.的1.6倍（$538.0M vs $335.6M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 3.4%，领先1749.1%），PennyMac Financial Services, Inc.同比增速更快（14.4% vs 1.6%），Natural Grocers by Vitamin Cottage, Inc.自由现金流更多（$11.6M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 4.4%）
Natural Grocers by Vitamin Cottage, Inc.是美国本土的特色零售连锁企业，主营认证有机食品、膳食补充剂、天然个护及环保家居类产品，面向健康意识较强的消费群体，门店覆盖美国多州，执行严格品控标准，拒绝售卖含人工添加剂的商品。
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。
NGVC vs PFSI — 直观对比
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $335.6M | $538.0M |
| 净利润 | $11.3M | $106.8M |
| 毛利率 | 29.5% | — |
| 营业利润率 | 4.4% | 25.0% |
| 净利率 | 3.4% | 1752.5% |
| 营收同比 | 1.6% | 14.4% |
| 净利润同比 | 14.0% | 2.2% |
| 每股收益（稀释后） | $0.49 | $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 | $335.6M | $538.0M | ||
| Q3 25 | $336.1M | $632.9M | ||
| Q2 25 | $328.7M | $444.7M | ||
| Q1 25 | $335.8M | $430.9M | ||
| Q4 24 | $330.2M | $470.1M | ||
| Q3 24 | $322.7M | $411.8M | ||
| Q2 24 | $309.1M | $406.1M | ||
| Q1 24 | $308.1M | $305.7M |
| Q4 25 | $11.3M | $106.8M | ||
| Q3 25 | $11.8M | $181.5M | ||
| Q2 25 | $11.6M | $136.5M | ||
| Q1 25 | $13.1M | $76.3M | ||
| Q4 24 | $9.9M | $104.5M | ||
| Q3 24 | $9.0M | $69.4M | ||
| Q2 24 | $9.2M | $98.3M | ||
| Q1 24 | $8.0M | $39.3M |
| Q4 25 | 29.5% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 29.9% | — | ||
| Q1 25 | 30.3% | — | ||
| Q4 24 | 29.9% | — | ||
| Q3 24 | 29.6% | — | ||
| Q2 24 | 29.2% | — | ||
| Q1 24 | 29.3% | — |
| Q4 25 | 4.4% | 25.0% | ||
| Q3 25 | 4.6% | 37.3% | ||
| Q2 25 | 4.7% | 17.2% | ||
| Q1 25 | 5.2% | 24.2% | ||
| Q4 24 | 4.0% | 27.5% | ||
| Q3 24 | 3.7% | 22.8% | ||
| Q2 24 | 4.2% | 33.0% | ||
| Q1 24 | 3.7% | 14.4% |
| Q4 25 | 3.4% | 1752.5% | ||
| Q3 25 | 3.5% | 28.7% | ||
| Q2 25 | 3.5% | 30.7% | ||
| Q1 25 | 3.9% | 17.7% | ||
| Q4 24 | 3.0% | 2559.8% | ||
| Q3 24 | 2.8% | 16.8% | ||
| Q2 24 | 3.0% | 24.2% | ||
| Q1 24 | 2.6% | 12.9% |
| Q4 25 | $0.49 | $1.97 | ||
| Q3 25 | $0.51 | $3.37 | ||
| Q2 25 | $0.50 | $2.54 | ||
| Q1 25 | $0.56 | $1.42 | ||
| Q4 24 | $0.43 | $1.95 | ||
| Q3 24 | $0.38 | $1.30 | ||
| Q2 24 | $0.40 | $1.85 | ||
| Q1 24 | $0.35 | $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 | $23.2M | $410.0M |
| 总债务越低越好 | — | $6.2B |
| 股东权益账面价值 | $220.0M | $4.3B |
| 总资产 | $668.6M | $29.4B |
| 负债/权益比越低杠杆越低 | — | 1.45× |
8季度趋势，按日历期对齐
| Q4 25 | $23.2M | $410.0M | ||
| Q3 25 | $17.1M | $62.2M | ||
| Q2 25 | $13.2M | $462.3M | ||
| Q1 25 | $21.2M | $443.4M | ||
| Q4 24 | $6.3M | $420.6M | ||
| Q3 24 | $8.9M | $667.9M | ||
| Q2 24 | $13.9M | $188.8M | ||
| Q1 24 | $11.0M | $69.0K |
| Q4 25 | — | $6.2B | ||
| Q3 25 | — | $6.2B | ||
| Q2 25 | — | $5.6B | ||
| Q1 25 | — | $5.8B | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | — | $4.9B | ||
| Q2 24 | — | $4.9B | ||
| Q1 24 | — | $4.5B |
| Q4 25 | $220.0M | $4.3B | ||
| Q3 25 | $212.4M | $4.2B | ||
| Q2 25 | $202.5M | $4.0B | ||
| Q1 25 | $193.0M | $3.9B | ||
| Q4 24 | $181.9M | $3.8B | ||
| Q3 24 | $174.3M | $3.7B | ||
| Q2 24 | $167.8M | $3.7B | ||
| Q1 24 | $160.0M | $3.6B |
| Q4 25 | $668.6M | $29.4B | ||
| Q3 25 | $670.5M | $25.4B | ||
| Q2 25 | $659.0M | $24.2B | ||
| Q1 25 | $664.6M | $23.9B | ||
| Q4 24 | $648.9M | $26.1B | ||
| Q3 24 | $655.5M | $22.9B | ||
| Q2 24 | $654.4M | $21.6B | ||
| Q1 24 | $656.6M | $19.8B |
| Q4 25 | — | 1.45× | ||
| Q3 25 | — | 1.48× | ||
| Q2 25 | — | 1.38× | ||
| Q1 25 | — | 1.48× | ||
| Q4 24 | — | 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 | $21.1M | $-1.7B |
| 自由现金流经营现金流 - 资本支出 | $11.6M | $-1.7B |
| 自由现金流率自由现金流/营收 | 3.4% | -309.3% |
| 资本支出强度资本支出/营收 | 2.9% | 2.2% |
| 现金转化率经营现金流/净利润 | 1.86× | -15.46× |
| 过去12个月自由现金流最近4个季度 | $42.6M | $-1.4B |
8季度趋势，按日历期对齐
| Q4 25 | $21.1M | $-1.7B | ||
| Q3 25 | $15.6M | $-697.4M | ||
| Q2 25 | $2.9M | $-131.3M | ||
| Q1 25 | $34.1M | $1.1B | ||
| Q4 24 | $2.7M | $-4.5B | ||
| Q3 24 | $24.5M | $-393.7M | ||
| Q2 24 | $12.4M | $-1.1B | ||
| Q1 24 | $20.2M | $-897.9M |
| Q4 25 | $11.6M | $-1.7B | ||
| Q3 25 | $7.5M | $-699.4M | ||
| Q2 25 | $-4.2M | $-132.6M | ||
| Q1 25 | $27.6M | $1.1B | ||
| Q4 24 | $-6.9M | $-4.5B | ||
| Q3 24 | $18.0M | $-393.9M | ||
| Q2 24 | $3.6M | $-1.1B | ||
| Q1 24 | $9.8M | $-898.9M |
| Q4 25 | 3.4% | -309.3% | ||
| Q3 25 | 2.2% | -110.5% | ||
| Q2 25 | -1.3% | -29.8% | ||
| Q1 25 | 8.2% | 247.3% | ||
| Q4 24 | -2.1% | -964.7% | ||
| Q3 24 | 5.6% | -95.6% | ||
| Q2 24 | 1.2% | -269.2% | ||
| Q1 24 | 3.2% | -294.1% |
| Q4 25 | 2.9% | 2.2% | ||
| Q3 25 | 2.4% | 0.3% | ||
| Q2 25 | 2.2% | 0.3% | ||
| Q1 25 | 1.9% | 0.1% | ||
| Q4 24 | 2.9% | 0.4% | ||
| Q3 24 | 2.0% | 0.0% | ||
| Q2 24 | 2.9% | 0.1% | ||
| Q1 24 | 3.4% | 0.3% |
| Q4 25 | 1.86× | -15.46× | ||
| Q3 25 | 1.32× | -3.84× | ||
| Q2 25 | 0.25× | -0.96× | ||
| Q1 25 | 2.60× | 13.97× | ||
| Q4 24 | 0.27× | -43.39× | ||
| Q3 24 | 2.72× | -5.68× | ||
| Q2 24 | 1.35× | -11.12× | ||
| Q1 24 | 2.54× | -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
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
PFSI
暂无分部数据
