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Pathfinder Bancorp, Inc.（PBHC）与Rent the Runway, Inc.（RENT）财务数据对比。点击上方公司名可切换其他公司
Pathfinder Bancorp, Inc.的季度营收约是Rent the Runway, Inc.的1.1倍（$11.8M vs $10.6M），Rent the Runway, Inc.净利率更高（721.7% vs -52.9%，领先774.6%），Rent the Runway, Inc.同比增速更快（10.4% vs -22.6%），过去两年Pathfinder Bancorp, Inc.的营收复合增速更高（3.0% vs 1.0%）
Pathfinder Bancorp, Inc.是美国区域性银行控股公司，旗下运营探路者银行，服务纽约州中部市场，为个人消费者及中小企业提供存款账户、住房抵押贷款、商业贷款、财富管理等各类金融服务。
Rent the Runway Inc.是总部位于纽约的美国电商平台，由珍妮弗·海曼与珍妮弗·弗莱斯于2009年11月创立，主打设计师品牌服饰与配饰的租赁、订阅以及购买服务，是设计师服饰共享租赁模式的开创平台之一。
PBHC vs RENT — 直观对比
营收规模更大
PBHC
是对方的1.1倍
$10.6M
营收增速更快
RENT
高出33.1%
-22.6%
净利率更高
RENT
高出774.6%
-52.9%
两年增速更快
PBHC
近两年复合增速
1.0%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $11.8M | $10.6M |
| 净利润 | $-5.6M | $76.5M |
| 毛利率 | — | -126.4% |
| 营业利润率 | -81.1% | -152.8% |
| 净利率 | -52.9% | 721.7% |
| 营收同比 | -22.6% | 10.4% |
| 净利润同比 | -242.4% | 504.8% |
| 每股收益（稀释后） | — | $13.65 |
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PBHCRENT
| Q4 25 | $11.8M | $10.6M | ||
| Q3 25 | $13.1M | $11.7M | ||
| Q2 25 | $9.3M | $7.6M | ||
| Q1 25 | $12.6M | $11.8M | ||
| Q4 24 | $15.3M | $9.6M | ||
| Q3 24 | $13.4M | $10.4M | ||
| Q2 24 | $10.7M | $8.9M | ||
| Q1 24 | $11.1M | $10.4M |
净利润PBHCRENT
| Q4 25 | $-5.6M | $76.5M | ||
| Q3 25 | $626.0K | $-26.4M | ||
| Q2 25 | $31.0K | $-26.1M | ||
| Q1 25 | $3.0M | $-13.4M | ||
| Q4 24 | $3.9M | $-18.9M | ||
| Q3 24 | $-4.6M | $-15.6M | ||
| Q2 24 | $2.0M | $-22.0M | ||
| Q1 24 | $2.1M | $-24.8M |
毛利率PBHCRENT
| Q4 25 | — | -126.4% | ||
| Q3 25 | — | -92.3% | ||
| Q2 25 | — | -168.4% | ||
| Q1 25 | — | -71.2% | ||
| Q4 24 | — | -122.9% | ||
| Q3 24 | — | -98.1% | ||
| Q2 24 | — | -131.5% | ||
| Q1 24 | — | -93.3% |
营业利润率PBHCRENT
| Q4 25 | -81.1% | -152.8% | ||
| Q3 25 | 5.1% | -171.8% | ||
| Q2 25 | 0.4% | -259.2% | ||
| Q1 25 | 29.5% | -65.3% | ||
| Q4 24 | 55.4% | -142.7% | ||
| Q3 24 | -43.1% | -92.3% | ||
| Q2 24 | 23.3% | -185.4% | ||
| Q1 24 | 24.3% | -185.6% |
净利率PBHCRENT
| Q4 25 | -52.9% | 721.7% | ||
| Q3 25 | 4.8% | -225.6% | ||
| Q2 25 | 0.3% | -343.4% | ||
| Q1 25 | 23.6% | -113.6% | ||
| Q4 24 | 37.7% | -196.9% | ||
| Q3 24 | -34.6% | -150.0% | ||
| Q2 24 | 18.7% | -247.2% | ||
| Q1 24 | 19.0% | -238.5% |
每股收益（稀释后）PBHCRENT
| Q4 25 | — | $13.65 | ||
| Q3 25 | $0.47 | $-6.55 | ||
| Q2 25 | $0.47 | $-6.58 | ||
| Q1 25 | — | $-2.72 | ||
| Q4 24 | — | $-4.70 | ||
| Q3 24 | $0.41 | $-4.17 | ||
| Q2 24 | $0.41 | $-6.03 | ||
| Q1 24 | — | $-5.36 |
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 | — | $50.7M |
| 总债务越低越好 | $14.1M | — |
| 股东权益账面价值 | $122.5M | $-35.1M |
| 总资产 | $1.4B | $231.0M |
| 负债/权益比越低杠杆越低 | 0.11× | — |
8季度趋势，按日历期对齐
现金及短期投资PBHCRENT
| Q4 25 | — | $50.7M | ||
| Q3 25 | — | $43.6M | ||
| Q2 25 | — | $70.4M | ||
| Q1 25 | — | $77.4M | ||
| Q4 24 | — | $74.1M | ||
| Q3 24 | — | $76.6M | ||
| Q2 24 | — | $82.0M | ||
| Q1 24 | — | $84.0M |
总债务PBHCRENT
| Q4 25 | $14.1M | — | ||
| Q3 25 | $18.7M | — | ||
| Q2 25 | $21.0M | $340.6M | ||
| Q1 25 | $17.6M | $333.7M | ||
| Q4 24 | $27.1M | — | ||
| Q3 24 | $39.8M | — | ||
| Q2 24 | $45.9M | — | ||
| Q1 24 | $45.9M | — |
股东权益PBHCRENT
| Q4 25 | $122.5M | $-35.1M | ||
| Q3 25 | $126.3M | $-232.1M | ||
| Q2 25 | $124.4M | $-207.1M | ||
| Q1 25 | $124.9M | $-182.5M | ||
| Q4 24 | $121.5M | $-171.2M | ||
| Q3 24 | $120.2M | $-154.5M | ||
| Q2 24 | $123.3M | $-141.3M | ||
| Q1 24 | $121.8M | $-122.3M |
总资产PBHCRENT
| Q4 25 | $1.4B | $231.0M | ||
| Q3 25 | $1.5B | $219.0M | ||
| Q2 25 | $1.5B | $245.3M | ||
| Q1 25 | $1.5B | $240.0M | ||
| Q4 24 | $1.5B | $251.6M | ||
| Q3 24 | $1.5B | $257.4M | ||
| Q2 24 | $1.4B | $278.4M | ||
| Q1 24 | $1.5B | $278.5M |
负债/权益比PBHCRENT
| Q4 25 | 0.11× | — | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.22× | — | ||
| Q3 24 | 0.33× | — | ||
| Q2 24 | 0.37× | — | ||
| Q1 24 | 0.38× | — |
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 | $11.7M | $-1.4M |
| 自由现金流经营现金流 - 资本支出 | $10.4M | — |
| 自由现金流率自由现金流/营收 | 88.1% | — |
| 资本支出强度资本支出/营收 | 10.7% | — |
| 现金转化率经营现金流/净利润 | — | -0.02× |
| 过去12个月自由现金流最近4个季度 | $18.4M | — |
8季度趋势，按日历期对齐
经营现金流PBHCRENT
| Q4 25 | $11.7M | $-1.4M | ||
| Q3 25 | $7.0M | $-10.5M | ||
| Q2 25 | $-3.7M | $8.3M | ||
| Q1 25 | $5.7M | $1.4M | ||
| Q4 24 | $11.2M | $4.7M | ||
| Q3 24 | $11.8M | $2.2M | ||
| Q2 24 | $1.5M | $4.6M | ||
| Q1 24 | $504.0K | $-8.0M |
自由现金流PBHCRENT
| Q4 25 | $10.4M | — | ||
| Q3 25 | $6.9M | — | ||
| Q2 25 | $-4.0M | — | ||
| Q1 25 | $5.1M | — | ||
| Q4 24 | $9.1M | — | ||
| Q3 24 | $11.3M | — | ||
| Q2 24 | $637.0K | — | ||
| Q1 24 | $274.0K | — |
自由现金流率PBHCRENT
| Q4 25 | 88.1% | — | ||
| Q3 25 | 52.8% | — | ||
| Q2 25 | -42.6% | — | ||
| Q1 25 | 40.1% | — | ||
| Q4 24 | 59.9% | — | ||
| Q3 24 | 84.3% | — | ||
| Q2 24 | 6.0% | — | ||
| Q1 24 | 2.5% | — |
资本支出强度PBHCRENT
| Q4 25 | 10.7% | — | ||
| Q3 25 | 1.0% | — | ||
| Q2 25 | 2.4% | — | ||
| Q1 25 | 5.1% | — | ||
| Q4 24 | 13.5% | — | ||
| Q3 24 | 3.8% | — | ||
| Q2 24 | 8.2% | — | ||
| Q1 24 | 2.1% | — |
现金转化率PBHCRENT
| Q4 25 | — | -0.02× | ||
| Q3 25 | 11.26× | — | ||
| Q2 25 | -120.55× | — | ||
| Q1 25 | 1.92× | — | ||
| Q4 24 | 2.87× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.76× | — | ||
| Q1 24 | 0.24× | — |
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
PBHC
| Other | $5.6M | 47% |
| Banking | $3.7M | 31% |
| Deposit Account | $1.5M | 13% |
| Financial Service Other | $1.0M | 9% |
RENT
暂无分部数据
