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PROCORE TECHNOLOGIES, INC.（PCOR）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PROCORE TECHNOLOGIES, INC.的1.5倍（$538.0M vs $359.3M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs -2.5%，领先1755.0%），PROCORE TECHNOLOGIES, INC.同比增速更快（15.7% vs 14.4%），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 12.4%）
Procore Technologies是2002年成立的美国建筑管理软件即服务（SaaS）企业，总部位于加利福尼亚州卡平特里亚。公司打造的全球平台可连接建筑行业从业者，支持搭建简化工作流，统一展现建筑项目信息，覆盖任务追踪、项目流程管理、日程排期等核心功能。
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。
PCOR vs PFSI — 直观对比
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $359.3M | $538.0M |
| 净利润 | $-9.1M | $106.8M |
| 毛利率 | 80.1% | — |
| 营业利润率 | 15.5% | 25.0% |
| 净利率 | -2.5% | 1752.5% |
| 营收同比 | 15.7% | 14.4% |
| 净利润同比 | 72.4% | 2.2% |
| 每股收益（稀释后） | $-0.06 | $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
| Q1 26 | $359.3M | — | ||
| Q4 25 | $349.1M | $538.0M | ||
| Q3 25 | $338.9M | $632.9M | ||
| Q2 25 | $323.9M | $444.7M | ||
| Q1 25 | $310.6M | $430.9M | ||
| Q4 24 | $302.0M | $470.1M | ||
| Q3 24 | $295.9M | $411.8M | ||
| Q2 24 | $284.3M | $406.1M |
| Q1 26 | $-9.1M | — | ||
| Q4 25 | $-37.6M | $106.8M | ||
| Q3 25 | $-9.1M | $181.5M | ||
| Q2 25 | $-21.1M | $136.5M | ||
| Q1 25 | $-33.0M | $76.3M | ||
| Q4 24 | $-62.3M | $104.5M | ||
| Q3 24 | $-26.4M | $69.4M | ||
| Q2 24 | $-6.3M | $98.3M |
| Q1 26 | 80.1% | — | ||
| Q4 25 | 80.1% | — | ||
| Q3 25 | 79.7% | — | ||
| Q2 25 | 79.1% | — | ||
| Q1 25 | 79.1% | — | ||
| Q4 24 | 81.2% | — | ||
| Q3 24 | 81.4% | — | ||
| Q2 24 | 83.1% | — |
| Q1 26 | 15.5% | — | ||
| Q4 25 | -12.3% | 25.0% | ||
| Q3 25 | -4.4% | 37.3% | ||
| Q2 25 | -9.3% | 17.2% | ||
| Q1 25 | -11.7% | 24.2% | ||
| Q4 24 | -21.9% | 27.5% | ||
| Q3 24 | -12.3% | 22.8% | ||
| Q2 24 | -5.2% | 33.0% |
| Q1 26 | -2.5% | — | ||
| Q4 25 | -10.8% | 1752.5% | ||
| Q3 25 | -2.7% | 28.7% | ||
| Q2 25 | -6.5% | 30.7% | ||
| Q1 25 | -10.6% | 17.7% | ||
| Q4 24 | -20.6% | 2559.8% | ||
| Q3 24 | -8.9% | 16.8% | ||
| Q2 24 | -2.2% | 24.2% |
| Q1 26 | $-0.06 | — | ||
| Q4 25 | $-0.25 | $1.97 | ||
| Q3 25 | $-0.06 | $3.37 | ||
| Q2 25 | $-0.14 | $2.54 | ||
| Q1 25 | $-0.22 | $1.42 | ||
| Q4 24 | $-0.42 | $1.95 | ||
| Q3 24 | $-0.18 | $1.30 | ||
| Q2 24 | $-0.04 | $1.85 |
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 | $386.0M | $410.0M |
| 总债务越低越好 | — | $6.2B |
| 股东权益账面价值 | $1.2B | $4.3B |
| 总资产 | $2.1B | $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
| Q1 26 | $386.0M | — | ||
| Q4 25 | $768.5M | $410.0M | ||
| Q3 25 | $684.0M | $62.2M | ||
| Q2 25 | $620.9M | $462.3M | ||
| Q1 25 | $566.7M | $443.4M | ||
| Q4 24 | $775.4M | $420.6M | ||
| Q3 24 | $756.9M | $667.9M | ||
| Q2 24 | $735.4M | $188.8M |
| Q1 26 | — | — | ||
| 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 26 | $1.2B | — | ||
| Q4 25 | $1.3B | $4.3B | ||
| Q3 25 | $1.2B | $4.2B | ||
| Q2 25 | $1.2B | $4.0B | ||
| Q1 25 | $1.2B | $3.9B | ||
| Q4 24 | $1.3B | $3.8B | ||
| Q3 24 | $1.3B | $3.7B | ||
| Q2 24 | $1.3B | $3.7B |
| Q1 26 | $2.1B | — | ||
| Q4 25 | $2.2B | $29.4B | ||
| Q3 25 | $2.1B | $25.4B | ||
| Q2 25 | $2.0B | $24.2B | ||
| Q1 25 | $1.9B | $23.9B | ||
| Q4 24 | $2.1B | $26.1B | ||
| Q3 24 | $2.0B | $22.9B | ||
| Q2 24 | $2.0B | $21.6B |
| Q1 26 | — | — | ||
| 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× |
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 | $76.8M | $-1.7B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.7B |
| 自由现金流率自由现金流/营收 | — | -309.3% |
| 资本支出强度资本支出/营收 | — | 2.2% |
| 现金转化率经营现金流/净利润 | — | -15.46× |
| 过去12个月自由现金流最近4个季度 | — | $-1.4B |
8季度趋势，按日历期对齐
| Q1 26 | $76.8M | — | ||
| Q4 25 | $114.9M | $-1.7B | ||
| Q3 25 | $88.5M | $-697.4M | ||
| Q2 25 | $30.8M | $-131.3M | ||
| Q1 25 | $66.0M | $1.1B | ||
| Q4 24 | $29.1M | $-4.5B | ||
| Q3 24 | $39.3M | $-393.7M | ||
| Q2 24 | $58.7M | $-1.1B |
| Q1 26 | — | — | ||
| Q4 25 | $109.2M | $-1.7B | ||
| Q3 25 | $83.1M | $-699.4M | ||
| Q2 25 | $27.9M | $-132.6M | ||
| Q1 25 | $62.0M | $1.1B | ||
| Q4 24 | $17.4M | $-4.5B | ||
| Q3 24 | $35.7M | $-393.9M | ||
| Q2 24 | $56.8M | $-1.1B |
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | -309.3% | ||
| Q3 25 | 24.5% | -110.5% | ||
| Q2 25 | 8.6% | -29.8% | ||
| Q1 25 | 20.0% | 247.3% | ||
| Q4 24 | 5.8% | -964.7% | ||
| Q3 24 | 12.1% | -95.6% | ||
| Q2 24 | 20.0% | -269.2% |
| Q1 26 | — | — | ||
| Q4 25 | 1.6% | 2.2% | ||
| Q3 25 | 1.6% | 0.3% | ||
| Q2 25 | 0.9% | 0.3% | ||
| Q1 25 | 1.3% | 0.1% | ||
| Q4 24 | 3.9% | 0.4% | ||
| Q3 24 | 1.2% | 0.0% | ||
| Q2 24 | 0.7% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | -15.46× | ||
| Q3 25 | — | -3.84× | ||
| Q2 25 | — | -0.96× | ||
| Q1 25 | — | 13.97× | ||
| Q4 24 | — | -43.39× | ||
| Q3 24 | — | -5.68× | ||
| Q2 24 | — | -11.12× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
