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ONITY GROUP INC.（ONIT）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
ONITY GROUP INC.的季度营收约是PennyMac Financial Services, Inc.的47.6倍（$290.0M vs $6.1M）。PennyMac Financial Services, Inc.净利率更高（1752.5% vs 43.9%，领先1708.6%）。PennyMac Financial Services, Inc.同比增速更快（49.3% vs 29.0%）。ONITY GROUP INC.自由现金流更多（$-232.5M vs $-1.9B）。过去两年PennyMac Financial Services, Inc.的营收复合增速更高（29.8% vs 10.1%）
奥尼提集团（原奥克文）是一家提供住宅及商业抵押贷款 servicing、特殊 servicing以及资产管理服务的供应商，业务性质也可概括为向房主收取每月本金与利息。公司成立于1988年，总部位于佛罗里达州西棕榈滩，在美国多地及菲律宾、印度都设有办公及支持运营点。
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。
ONIT vs PFSI — 直观对比
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $290.0M | $6.1M |
| 净利润 | $127.2M | $106.8M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 43.9% | 1752.5% |
| 营收同比 | 29.0% | 49.3% |
| 净利润同比 | 552.7% | 2.2% |
| 每股收益（稀释后） | $14.53 | $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 | $290.0M | $6.1M | ||
| Q3 25 | $280.3M | $4.6M | ||
| Q2 25 | $246.6M | $4.5M | ||
| Q1 25 | $249.8M | $4.9M | ||
| Q4 24 | $224.8M | $4.1M | ||
| Q3 24 | $265.7M | $3.4M | ||
| Q2 24 | $246.4M | $15.7M | ||
| Q1 24 | $239.1M | $3.6M |
| Q4 25 | $127.2M | $106.8M | ||
| Q3 25 | $18.7M | $181.5M | ||
| Q2 25 | $21.5M | $136.5M | ||
| Q1 25 | $22.1M | $76.3M | ||
| Q4 24 | $-28.1M | $104.5M | ||
| Q3 24 | $21.4M | $69.4M | ||
| Q2 24 | $10.5M | $98.3M | ||
| Q1 24 | $30.1M | $39.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 3.6% | — | ||
| Q4 24 | -14.9% | — | ||
| Q3 24 | 10.4% | — | ||
| Q2 24 | 5.5% | — | ||
| Q1 24 | 13.3% | — |
| Q4 25 | 43.9% | 1752.5% | ||
| Q3 25 | 6.7% | 3964.7% | ||
| Q2 25 | 8.7% | 3021.8% | ||
| Q1 25 | 8.8% | 1551.0% | ||
| Q4 24 | -12.5% | 2559.8% | ||
| Q3 24 | 8.1% | 2017.7% | ||
| Q2 24 | 4.3% | 624.6% | ||
| Q1 24 | 12.6% | 1086.8% |
| Q4 25 | $14.53 | $1.97 | ||
| Q3 25 | $2.03 | $3.37 | ||
| Q2 25 | $2.40 | $2.54 | ||
| Q1 25 | $2.50 | $1.42 | ||
| Q4 24 | $-3.59 | $1.95 | ||
| Q3 24 | $2.65 | $1.30 | ||
| Q2 24 | $1.33 | $1.85 | ||
| Q1 24 | $3.74 | $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 | $180.5M | $410.0M |
| 总债务越低越好 | — | $6.2B |
| 股东权益账面价值 | $627.9M | $4.3B |
| 总资产 | $16.2B | $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 | $180.5M | $410.0M | ||
| Q3 25 | $172.8M | $62.2M | ||
| Q2 25 | $194.3M | $462.3M | ||
| Q1 25 | $178.0M | $443.4M | ||
| Q4 24 | $184.8M | $420.6M | ||
| Q3 24 | $201.6M | $667.9M | ||
| Q2 24 | $203.1M | $188.8M | ||
| Q1 24 | $185.1M | $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 | $627.9M | $4.3B | ||
| Q3 25 | $501.4M | $4.2B | ||
| Q2 25 | $481.9M | $4.0B | ||
| Q1 25 | $460.2M | $3.9B | ||
| Q4 24 | $442.9M | $3.8B | ||
| Q3 24 | $468.2M | $3.7B | ||
| Q2 24 | $446.2M | $3.7B | ||
| Q1 24 | $432.1M | $3.6B |
| Q4 25 | $16.2B | $29.4B | ||
| Q3 25 | $16.1B | $25.4B | ||
| Q2 25 | $16.5B | $24.2B | ||
| Q1 25 | $16.3B | $23.9B | ||
| Q4 24 | $16.4B | $26.1B | ||
| Q3 24 | $13.2B | $22.9B | ||
| Q2 24 | $13.1B | $21.6B | ||
| Q1 24 | $13.1B | $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 | $-230.6M | $-1.9B |
| 自由现金流经营现金流 - 资本支出 | $-232.5M | $-1.9B |
| 自由现金流率自由现金流/营收 | -80.2% | -31125.7% |
| 资本支出强度资本支出/营收 | 0.7% | 134.0% |
| 现金转化率经营现金流/净利润 | -1.81× | -17.68× |
| 过去12个月自由现金流最近4个季度 | — | $-1.7B |
8季度趋势，按日历期对齐
| Q4 25 | $-230.6M | $-1.9B | ||
| Q3 25 | $229.5M | $-697.4M | ||
| Q2 25 | $-598.8M | $-131.3M | ||
| Q1 25 | $-148.1M | $1.1B | ||
| Q4 24 | $-218.0M | $-2.1B | ||
| Q3 24 | $19.2M | $-393.7M | ||
| Q2 24 | $-77.9M | $-1.1B | ||
| Q1 24 | $-297.1M | $-897.9M |
| Q4 25 | $-232.5M | $-1.9B | ||
| Q3 25 | $228.8M | $-699.4M | ||
| Q2 25 | — | $-132.6M | ||
| Q1 25 | $-148.4M | $1.1B | ||
| Q4 24 | $-218.5M | $-2.1B | ||
| Q3 24 | $19.1M | $-393.9M | ||
| Q2 24 | $-78.0M | $-1.1B | ||
| Q1 24 | $-297.2M | $-898.9M |
| Q4 25 | -80.2% | -31125.7% | ||
| Q3 25 | 81.6% | -15278.5% | ||
| Q2 25 | — | -2936.7% | ||
| Q1 25 | -59.4% | 21667.1% | ||
| Q4 24 | -97.2% | -52645.4% | ||
| Q3 24 | 7.2% | -11456.0% | ||
| Q2 24 | -31.7% | -6949.9% | ||
| Q1 24 | -124.3% | -24850.9% |
| Q4 25 | 0.7% | 134.0% | ||
| Q3 25 | 0.2% | 45.3% | ||
| Q2 25 | 0.0% | 28.9% | ||
| Q1 25 | 0.1% | 7.5% | ||
| Q4 24 | 0.2% | 6.1% | ||
| Q3 24 | 0.0% | 4.3% | ||
| Q2 24 | 0.0% | 2.5% | ||
| Q1 24 | 0.0% | 25.4% |
| Q4 25 | -1.81× | -17.68× | ||
| Q3 25 | 12.27× | -3.84× | ||
| Q2 25 | -27.85× | -0.96× | ||
| Q1 25 | -6.70× | 13.97× | ||
| Q4 24 | — | -20.56× | ||
| Q3 24 | 0.90× | -5.68× | ||
| Q2 24 | -7.42× | -11.12× | ||
| Q1 24 | -9.87× | -22.84× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
