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Ponce Financial Group, Inc.（PDLB）与ARS Pharmaceuticals, Inc.（SPRY）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ARS Pharmaceuticals, Inc.的1.1倍（$31.4M vs $28.1M），Ponce Financial Group, Inc.净利率更高（36.3% vs -147.1%，领先183.4%），Ponce Financial Group, Inc.同比增速更快（37.6% vs -67.6%）
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。
ARS Pharmaceuticals是一家处于后期研发阶段的生物制药企业，专注于开发和商业化严重过敏反应创新疗法，核心产品为无需注射的肾上腺素鼻腔递送制剂，主要面向北美市场，服务存在致命过敏风险的成人及儿童患者群体。
PDLB vs SPRY — 直观对比
营收规模更大
PDLB
是对方的1.1倍
$28.1M
营收增速更快
PDLB
高出105.2%
-67.6%
净利率更高
PDLB
高出183.4%
-147.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $31.4M | $28.1M |
| 净利润 | $10.1M | $-41.3M |
| 毛利率 | — | — |
| 营业利润率 | 43.6% | -147.6% |
| 净利率 | 36.3% | -147.1% |
| 营收同比 | 37.6% | -67.6% |
| 净利润同比 | 245.6% | -182.8% |
| 每股收益（稀释后） | $0.43 | $-0.41 |
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PDLBSPRY
| Q4 25 | $31.4M | $28.1M | ||
| Q3 25 | $26.7M | $32.5M | ||
| Q2 25 | $26.5M | $15.7M | ||
| Q1 25 | $24.6M | $8.0M | ||
| Q4 24 | $22.8M | $86.6M | ||
| Q3 24 | $20.2M | $2.1M | ||
| Q2 24 | $20.2M | $500.0K | ||
| Q1 24 | $20.5M | $0 |
净利润PDLBSPRY
| Q4 25 | $10.1M | $-41.3M | ||
| Q3 25 | $6.5M | $-51.2M | ||
| Q2 25 | $6.1M | $-44.9M | ||
| Q1 25 | $6.0M | $-33.9M | ||
| Q4 24 | $2.9M | $49.9M | ||
| Q3 24 | $2.4M | $-19.1M | ||
| Q2 24 | $3.2M | $-12.5M | ||
| Q1 24 | $2.4M | $-10.3M |
营业利润率PDLBSPRY
| Q4 25 | 43.6% | -147.6% | ||
| Q3 25 | 32.8% | -163.7% | ||
| Q2 25 | 30.2% | -302.9% | ||
| Q1 25 | 32.5% | -466.3% | ||
| Q4 24 | 19.6% | 54.5% | ||
| Q3 24 | 15.2% | -1051.6% | ||
| Q2 24 | 21.8% | -3068.0% | ||
| Q1 24 | 18.3% | — |
净利率PDLBSPRY
| Q4 25 | 36.3% | -147.1% | ||
| Q3 25 | 24.3% | -157.4% | ||
| Q2 25 | 23.0% | -285.6% | ||
| Q1 25 | 24.2% | -425.7% | ||
| Q4 24 | 14.1% | 57.7% | ||
| Q3 24 | 12.1% | -925.0% | ||
| Q2 24 | 15.8% | -2503.2% | ||
| Q1 24 | 11.8% | — |
每股收益（稀释后）PDLBSPRY
| Q4 25 | $0.43 | $-0.41 | ||
| Q3 25 | $0.27 | $-0.52 | ||
| Q2 25 | $0.25 | $-0.46 | ||
| Q1 25 | $0.25 | $-0.35 | ||
| Q4 24 | $0.11 | $0.52 | ||
| Q3 24 | $0.10 | $-0.20 | ||
| Q2 24 | $0.14 | $-0.13 | ||
| Q1 24 | $0.11 | $-0.11 |
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 | $245.0M |
| 总债务越低越好 | $596.1M | $96.4M |
| 股东权益账面价值 | $541.5M | $114.3M |
| 总资产 | $3.2B | $327.7M |
| 负债/权益比越低杠杆越低 | 1.10× | 0.84× |
8季度趋势，按日历期对齐
现金及短期投资PDLBSPRY
| Q4 25 | $126.2M | $245.0M | ||
| Q3 25 | $146.6M | $288.2M | ||
| Q2 25 | $126.6M | $240.1M | ||
| Q1 25 | $129.9M | $275.7M | ||
| Q4 24 | $139.8M | $314.0M | ||
| Q3 24 | $155.8M | $204.6M | ||
| Q2 24 | $103.2M | $218.7M | ||
| Q1 24 | $134.7M | $223.6M |
总债务PDLBSPRY
| Q4 25 | $596.1M | $96.4M | ||
| Q3 25 | $521.1M | $96.2M | ||
| Q2 25 | $536.1M | — | ||
| Q1 25 | $521.1M | — | ||
| Q4 24 | $596.1M | $0 | ||
| Q3 24 | $580.4M | — | ||
| Q2 24 | $680.4M | — | ||
| Q1 24 | $680.4M | — |
股东权益PDLBSPRY
| Q4 25 | $541.5M | $114.3M | ||
| Q3 25 | $529.8M | $147.7M | ||
| Q2 25 | $521.1M | $192.3M | ||
| Q1 25 | $513.9M | $229.0M | ||
| Q4 24 | $505.5M | $256.8M | ||
| Q3 24 | $504.6M | $201.0M | ||
| Q2 24 | $497.7M | $215.2M | ||
| Q1 24 | $493.7M | $223.9M |
总资产PDLBSPRY
| Q4 25 | $3.2B | $327.7M | ||
| Q3 25 | $3.2B | $372.8M | ||
| Q2 25 | $3.2B | $313.5M | ||
| Q1 25 | $3.1B | $327.3M | ||
| Q4 24 | $3.0B | $351.2M | ||
| Q3 24 | $3.0B | $217.6M | ||
| Q2 24 | $2.8B | $222.0M | ||
| Q1 24 | $2.8B | $227.6M |
负债/权益比PDLBSPRY
| Q4 25 | 1.10× | 0.84× | ||
| Q3 25 | 0.98× | 0.65× | ||
| Q2 25 | 1.03× | — | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 1.18× | 0.00× | ||
| 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 | $-43.5M |
| 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× | — |
| 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PDLBSPRY
| Q4 25 | $55.6M | $-43.5M | ||
| Q3 25 | $1.4M | $-47.0M | ||
| Q2 25 | $6.2M | $-39.6M | ||
| Q1 25 | $13.1M | $-40.7M | ||
| Q4 24 | $7.2M | $42.0M | ||
| Q3 24 | $-14.6M | $-14.5M | ||
| Q2 24 | $-2.6M | $-7.3M | ||
| Q1 24 | $1.5M | $-6.7M |
自由现金流PDLBSPRY
| Q4 25 | $54.6M | — | ||
| Q3 25 | $786.0K | $-47.2M | ||
| Q2 25 | $5.9M | $-39.6M | ||
| Q1 25 | $12.9M | $-40.8M | ||
| Q4 24 | $4.5M | $41.7M | ||
| Q3 24 | $-15.0M | $-14.6M | ||
| Q2 24 | $-2.6M | $-7.3M | ||
| Q1 24 | $-315.0K | $-6.8M |
自由现金流率PDLBSPRY
| Q4 25 | 173.9% | — | ||
| Q3 25 | 2.9% | -145.4% | ||
| Q2 25 | 22.4% | -252.2% | ||
| Q1 25 | 52.6% | -512.1% | ||
| Q4 24 | 19.7% | 48.2% | ||
| Q3 24 | -74.1% | -706.3% | ||
| Q2 24 | -13.0% | -1463.4% | ||
| Q1 24 | -1.5% | — |
资本支出强度PDLBSPRY
| Q4 25 | 3.1% | 0.0% | ||
| Q3 25 | 2.3% | 0.6% | ||
| Q2 25 | 1.0% | 0.3% | ||
| Q1 25 | 0.6% | 1.1% | ||
| Q4 24 | 11.9% | 0.3% | ||
| Q3 24 | 2.0% | 6.8% | ||
| Q2 24 | 0.3% | 7.6% | ||
| Q1 24 | 8.7% | — |
现金转化率PDLBSPRY
| Q4 25 | 5.48× | — | ||
| Q3 25 | 0.21× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 2.20× | — | ||
| Q4 24 | 2.46× | 0.84× | ||
| Q3 24 | -5.99× | — | ||
| Q2 24 | -0.80× | — | ||
| Q1 24 | 0.61× | — |
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
SPRY
| Products | $20.3M | 72% |
| Other | $7.8M | 28% |
