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Ponce Financial Group, Inc.（PDLB）与Simulations Plus, Inc.（SLP）财务数据对比。点击上方公司名可切换其他公司
Ponce Financial Group, Inc.的季度营收约是Simulations Plus, Inc.的1.7倍（$31.4M vs $18.4M），Ponce Financial Group, Inc.净利率更高（36.3% vs 3.7%，领先32.6%），Ponce Financial Group, Inc.同比增速更快（37.6% vs -2.7%），过去两年Ponce Financial Group, Inc.的营收复合增速更高（23.7% vs 0.3%）
庞塞金融集团是总部位于美国的金融控股公司，核心子公司为庞塞银行，主要服务纽约大都会区的多元文化、移民及中低收入社区，提供存款账户、按揭贷款、小微企业融资、个人信贷等零售及商业银行服务。
Simulations Plus公司为医药生物、化工、化妆品、食品原料及除草剂领域开发ADMET（吸收、分布、代谢、排泄和毒性）建模仿真软件，并于2014年9月收购了提供临床试验数据分析及咨询服务的Cognigen公司，助力相关行业研发工作开展。
PDLB vs SLP — 直观对比
营收规模更大
PDLB
是对方的1.7倍
$18.4M
营收增速更快
PDLB
高出40.3%
-2.7%
净利率更高
PDLB
高出32.6%
3.7%
两年增速更快
PDLB
近两年复合增速
0.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $31.4M | $18.4M |
| 净利润 | $10.1M | $676.0K |
| 毛利率 | — | 59.1% |
| 营业利润率 | 43.6% | 3.9% |
| 净利率 | 36.3% | 3.7% |
| 营收同比 | 37.6% | -2.7% |
| 净利润同比 | 245.6% | 228.2% |
| 每股收益（稀释后） | $0.43 | $0.03 |
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PDLBSLP
| Q4 25 | $31.4M | $18.4M | ||
| Q3 25 | $26.7M | $17.5M | ||
| Q2 25 | $26.5M | $20.4M | ||
| Q1 25 | $24.6M | $22.4M | ||
| Q4 24 | $22.8M | $18.9M | ||
| Q3 24 | $20.2M | $18.7M | ||
| Q2 24 | $20.2M | $18.5M | ||
| Q1 24 | $20.5M | $18.3M |
净利润PDLBSLP
| Q4 25 | $10.1M | $676.0K | ||
| Q3 25 | $6.5M | $-681.0K | ||
| Q2 25 | $6.1M | $-67.3M | ||
| Q1 25 | $6.0M | $3.1M | ||
| Q4 24 | $2.9M | $206.0K | ||
| Q3 24 | $2.4M | $843.0K | ||
| Q2 24 | $3.2M | $3.1M | ||
| Q1 24 | $2.4M | $4.0M |
毛利率PDLBSLP
| Q4 25 | — | 59.1% | ||
| Q3 25 | — | 56.4% | ||
| Q2 25 | — | 64.0% | ||
| Q1 25 | — | 58.5% | ||
| Q4 24 | — | 54.0% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 71.5% | ||
| Q1 24 | — | 72.2% |
营业利润率PDLBSLP
| Q4 25 | 43.6% | 3.9% | ||
| Q3 25 | 32.8% | 3.8% | ||
| Q2 25 | 30.2% | -364.5% | ||
| Q1 25 | 32.5% | 12.1% | ||
| Q4 24 | 19.6% | 0.7% | ||
| Q3 24 | 15.2% | -6.2% | ||
| Q2 24 | 21.8% | 10.1% | ||
| Q1 24 | 18.3% | 24.3% |
净利率PDLBSLP
| Q4 25 | 36.3% | 3.7% | ||
| Q3 25 | 24.3% | -3.9% | ||
| Q2 25 | 23.0% | -330.6% | ||
| Q1 25 | 24.2% | 13.7% | ||
| Q4 24 | 14.1% | 1.1% | ||
| Q3 24 | 12.1% | 4.5% | ||
| Q2 24 | 15.8% | 16.9% | ||
| Q1 24 | 11.8% | 22.0% |
每股收益（稀释后）PDLBSLP
| Q4 25 | $0.43 | $0.03 | ||
| Q3 25 | $0.27 | $-0.03 | ||
| Q2 25 | $0.25 | $-3.35 | ||
| Q1 25 | $0.25 | $0.15 | ||
| Q4 24 | $0.11 | $0.01 | ||
| Q3 24 | $0.10 | $0.04 | ||
| Q2 24 | $0.14 | $0.15 | ||
| Q1 24 | $0.11 | $0.20 |
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 | $126.2M | $35.7M |
| 总债务越低越好 | $596.1M | — |
| 股东权益账面价值 | $541.5M | $127.1M |
| 总资产 | $3.2B | $137.8M |
| 负债/权益比越低杠杆越低 | 1.10× | — |
8季度趋势，按日历期对齐
现金及短期投资PDLBSLP
| Q4 25 | $126.2M | $35.7M | ||
| Q3 25 | $146.6M | $32.4M | ||
| Q2 25 | $126.6M | $28.4M | ||
| Q1 25 | $129.9M | $21.4M | ||
| Q4 24 | $139.8M | $18.2M | ||
| Q3 24 | $155.8M | $20.3M | ||
| Q2 24 | $103.2M | $119.0M | ||
| Q1 24 | $134.7M | $108.5M |
总债务PDLBSLP
| Q4 25 | $596.1M | — | ||
| Q3 25 | $521.1M | — | ||
| Q2 25 | $536.1M | — | ||
| Q1 25 | $521.1M | — | ||
| Q4 24 | $596.1M | — | ||
| Q3 24 | $580.4M | — | ||
| Q2 24 | $680.4M | — | ||
| Q1 24 | $680.4M | — |
股东权益PDLBSLP
| Q4 25 | $541.5M | $127.1M | ||
| Q3 25 | $529.8M | $124.8M | ||
| Q2 25 | $521.1M | $123.8M | ||
| Q1 25 | $513.9M | $189.5M | ||
| Q4 24 | $505.5M | $184.7M | ||
| Q3 24 | $504.6M | $182.4M | ||
| Q2 24 | $497.7M | $180.9M | ||
| Q1 24 | $493.7M | $177.0M |
总资产PDLBSLP
| Q4 25 | $3.2B | $137.8M | ||
| Q3 25 | $3.2B | $131.9M | ||
| Q2 25 | $3.2B | $134.4M | ||
| Q1 25 | $3.1B | $201.4M | ||
| Q4 24 | $3.0B | $196.9M | ||
| Q3 24 | $3.0B | $196.6M | ||
| Q2 24 | $2.8B | $192.7M | ||
| Q1 24 | $2.8B | $194.0M |
负债/权益比PDLBSLP
| Q4 25 | 1.10× | — | ||
| Q3 25 | 0.98× | — | ||
| Q2 25 | 1.03× | — | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 1.18× | — | ||
| Q3 24 | 1.15× | — | ||
| Q2 24 | 1.37× | — | ||
| Q1 24 | 1.38× | — |
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 | $55.6M | $4.2M |
| 自由现金流经营现金流 - 资本支出 | $54.6M | — |
| 自由现金流率自由现金流/营收 | 173.9% | — |
| 资本支出强度资本支出/营收 | 3.1% | 0.0% |
| 现金转化率经营现金流/净利润 | 5.48× | 6.26× |
| 过去12个月自由现金流最近4个季度 | $74.3M | — |
8季度趋势，按日历期对齐
经营现金流PDLBSLP
| Q4 25 | $55.6M | $4.2M | ||
| Q3 25 | $1.4M | $5.6M | ||
| Q2 25 | $6.2M | $8.1M | ||
| Q1 25 | $13.1M | $5.7M | ||
| Q4 24 | $7.2M | $-1.3M | ||
| Q3 24 | $-14.6M | $1.7M | ||
| Q2 24 | $-2.6M | $5.7M | ||
| Q1 24 | $1.5M | $5.8M |
自由现金流PDLBSLP
| Q4 25 | $54.6M | — | ||
| Q3 25 | $786.0K | $5.3M | ||
| Q2 25 | $5.9M | $7.8M | ||
| Q1 25 | $12.9M | $5.6M | ||
| Q4 24 | $4.5M | $-1.4M | ||
| Q3 24 | $-15.0M | $1.6M | ||
| Q2 24 | $-2.6M | $5.6M | ||
| Q1 24 | $-315.0K | $5.4M |
自由现金流率PDLBSLP
| Q4 25 | 173.9% | — | ||
| Q3 25 | 2.9% | 30.5% | ||
| Q2 25 | 22.4% | 38.5% | ||
| Q1 25 | 52.6% | 25.0% | ||
| Q4 24 | 19.7% | -7.2% | ||
| Q3 24 | -74.1% | 8.8% | ||
| Q2 24 | -13.0% | 30.0% | ||
| Q1 24 | -1.5% | 29.4% |
资本支出强度PDLBSLP
| Q4 25 | 3.1% | 0.0% | ||
| Q3 25 | 2.3% | 1.5% | ||
| Q2 25 | 1.0% | 1.5% | ||
| Q1 25 | 0.6% | 0.3% | ||
| Q4 24 | 11.9% | 0.5% | ||
| Q3 24 | 2.0% | 0.1% | ||
| Q2 24 | 0.3% | 0.6% | ||
| Q1 24 | 8.7% | 2.4% |
现金转化率PDLBSLP
| Q4 25 | 5.48× | 6.26× | ||
| Q3 25 | 0.21× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 2.20× | 1.84× | ||
| Q4 24 | 2.46× | -6.18× | ||
| Q3 24 | -5.99× | 1.97× | ||
| Q2 24 | -0.80× | 1.81× | ||
| Q1 24 | 0.61× | 1.44× |
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
PDLB
暂无分部数据
SLP
| Services Segment | $9.5M | 52% |
| Development | $7.2M | 39% |
| Discovery | $1.3M | 7% |
