vs
Ponce Financial Group, Inc.（PDLB）与System1, Inc.（SST）财务数据对比。点击上方公司名可切换其他公司
System1, Inc.的季度营收约是Ponce Financial Group, Inc.的1.7倍（$51.9M vs $31.4M），Ponce Financial Group, Inc.净利率更高（36.3% vs -26.0%，领先62.2%），Ponce Financial Group, Inc.同比增速更快（37.6% vs -31.3%），过去两年Ponce Financial Group, Inc.的营收复合增速更高（23.7% vs -21.8%）
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。
System1是一家美国互联网广告企业，成立于2013年，前身为OpenMail，总部位于加利福尼亚州玛丽娜德尔雷。该公司主打获客响应营销平台业务，将隐私保护作为核心经营重点之一，但也曾因对Startpage.com等主打隐私的平台的影响受到批评。
PDLB vs SST — 直观对比
营收规模更大
SST
是对方的1.7倍
$31.4M
营收增速更快
PDLB
高出68.9%
-31.3%
净利率更高
PDLB
高出62.2%
-26.0%
两年增速更快
PDLB
近两年复合增速
-21.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $31.4M | $51.9M |
| 净利润 | $10.1M | $-13.5M |
| 毛利率 | — | 41.0% |
| 营业利润率 | 43.6% | -33.6% |
| 净利率 | 36.3% | -26.0% |
| 营收同比 | 37.6% | -31.3% |
| 净利润同比 | 245.6% | 4.8% |
| 每股收益（稀释后） | $0.43 | $-3.58 |
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PDLBSST
| Q4 25 | $31.4M | $51.9M | ||
| Q3 25 | $26.7M | $61.6M | ||
| Q2 25 | $26.5M | $78.1M | ||
| Q1 25 | $24.6M | $74.5M | ||
| Q4 24 | $22.8M | $75.6M | ||
| Q3 24 | $20.2M | $88.8M | ||
| Q2 24 | $20.2M | $94.6M | ||
| Q1 24 | $20.5M | $84.9M |
净利润PDLBSST
| Q4 25 | $10.1M | $-13.5M | ||
| Q3 25 | $6.5M | $-18.5M | ||
| Q2 25 | $6.1M | $-17.5M | ||
| Q1 25 | $6.0M | $-15.9M | ||
| Q4 24 | $2.9M | $-14.2M | ||
| Q3 24 | $2.4M | $-23.6M | ||
| Q2 24 | $3.2M | $-26.4M | ||
| Q1 24 | $2.4M | $-10.5M |
毛利率PDLBSST
| Q4 25 | — | 41.0% | ||
| Q3 25 | — | 36.9% | ||
| Q2 25 | — | 35.7% | ||
| Q1 25 | — | 38.2% | ||
| Q4 24 | — | 42.1% | ||
| Q3 24 | — | 28.0% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | 21.9% |
营业利润率PDLBSST
| Q4 25 | 43.6% | -33.6% | ||
| Q3 25 | 32.8% | -25.3% | ||
| Q2 25 | 30.2% | -20.4% | ||
| Q1 25 | 32.5% | -17.6% | ||
| Q4 24 | 19.6% | -15.7% | ||
| Q3 24 | 15.2% | -24.6% | ||
| Q2 24 | 21.8% | -30.8% | ||
| Q1 24 | 18.3% | -30.4% |
净利率PDLBSST
| Q4 25 | 36.3% | -26.0% | ||
| Q3 25 | 24.3% | -30.1% | ||
| Q2 25 | 23.0% | -22.4% | ||
| Q1 25 | 24.2% | -21.3% | ||
| Q4 24 | 14.1% | -18.7% | ||
| Q3 24 | 12.1% | -26.6% | ||
| Q2 24 | 15.8% | -27.9% | ||
| Q1 24 | 11.8% | -12.4% |
每股收益（稀释后）PDLBSST
| Q4 25 | $0.43 | $-3.58 | ||
| Q3 25 | $0.27 | $-2.30 | ||
| Q2 25 | $0.25 | $-2.23 | ||
| Q1 25 | $0.25 | $-0.21 | ||
| Q4 24 | $0.11 | $-3.41 | ||
| Q3 24 | $0.10 | $-3.37 | ||
| Q2 24 | $0.14 | $-3.80 | ||
| Q1 24 | $0.11 | $-0.16 |
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 | $86.9M |
| 总债务越低越好 | $596.1M | $305.1M |
| 股东权益账面价值 | $541.5M | $30.5M |
| 总资产 | $3.2B | $405.0M |
| 负债/权益比越低杠杆越低 | 1.10× | 10.01× |
8季度趋势，按日历期对齐
现金及短期投资PDLBSST
| Q4 25 | $126.2M | $86.9M | ||
| Q3 25 | $146.6M | $54.6M | ||
| Q2 25 | $126.6M | $63.6M | ||
| Q1 25 | $129.9M | $43.9M | ||
| Q4 24 | $139.8M | $63.6M | ||
| Q3 24 | $155.8M | $69.1M | ||
| Q2 24 | $103.2M | $75.7M | ||
| Q1 24 | $134.7M | $69.9M |
总债务PDLBSST
| Q4 25 | $596.1M | $305.1M | ||
| Q3 25 | $521.1M | $259.2M | ||
| Q2 25 | $536.1M | $263.3M | ||
| Q1 25 | $521.1M | $267.4M | ||
| Q4 24 | $596.1M | $255.1M | ||
| Q3 24 | $580.4M | $259.2M | ||
| Q2 24 | $680.4M | $263.3M | ||
| Q1 24 | $680.4M | $268.6M |
股东权益PDLBSST
| Q4 25 | $541.5M | $30.5M | ||
| Q3 25 | $529.8M | $42.7M | ||
| Q2 25 | $521.1M | $58.2M | ||
| Q1 25 | $513.9M | $67.2M | ||
| Q4 24 | $505.5M | $80.3M | ||
| Q3 24 | $504.6M | $90.3M | ||
| Q2 24 | $497.7M | $109.4M | ||
| Q1 24 | $493.7M | $131.7M |
总资产PDLBSST
| Q4 25 | $3.2B | $405.0M | ||
| Q3 25 | $3.2B | $385.2M | ||
| Q2 25 | $3.2B | $429.2M | ||
| Q1 25 | $3.1B | $419.2M | ||
| Q4 24 | $3.0B | $459.1M | ||
| Q3 24 | $3.0B | $479.3M | ||
| Q2 24 | $2.8B | $511.3M | ||
| Q1 24 | $2.8B | $521.1M |
负债/权益比PDLBSST
| Q4 25 | 1.10× | 10.01× | ||
| Q3 25 | 0.98× | 6.07× | ||
| Q2 25 | 1.03× | 4.53× | ||
| Q1 25 | 1.01× | 3.98× | ||
| Q4 24 | 1.18× | 3.18× | ||
| Q3 24 | 1.15× | 2.87× | ||
| Q2 24 | 1.37× | 2.41× | ||
| Q1 24 | 1.38× | 2.04× |
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 | $-10.6M |
| 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PDLBSST
| Q4 25 | $55.6M | $-10.6M | ||
| Q3 25 | $1.4M | $-2.1M | ||
| Q2 25 | $6.2M | $24.5M | ||
| Q1 25 | $13.1M | $-15.9M | ||
| Q4 24 | $7.2M | $772.0K | ||
| Q3 24 | $-14.6M | $-5.0K | ||
| Q2 24 | $-2.6M | $10.0M | ||
| Q1 24 | $1.5M | $-16.0M |
自由现金流PDLBSST
| Q4 25 | $54.6M | — | ||
| Q3 25 | $786.0K | — | ||
| Q2 25 | $5.9M | — | ||
| Q1 25 | $12.9M | $-16.0M | ||
| Q4 24 | $4.5M | — | ||
| Q3 24 | $-15.0M | $-36.0K | ||
| Q2 24 | $-2.6M | — | ||
| Q1 24 | $-315.0K | — |
自由现金流率PDLBSST
| Q4 25 | 173.9% | — | ||
| Q3 25 | 2.9% | — | ||
| Q2 25 | 22.4% | — | ||
| Q1 25 | 52.6% | -21.5% | ||
| Q4 24 | 19.7% | — | ||
| Q3 24 | -74.1% | -0.0% | ||
| Q2 24 | -13.0% | — | ||
| Q1 24 | -1.5% | — |
资本支出强度PDLBSST
| Q4 25 | 3.1% | 0.0% | ||
| Q3 25 | 2.3% | 0.0% | ||
| Q2 25 | 1.0% | 0.0% | ||
| Q1 25 | 0.6% | 0.1% | ||
| Q4 24 | 11.9% | 0.0% | ||
| Q3 24 | 2.0% | 0.0% | ||
| Q2 24 | 0.3% | 0.0% | ||
| Q1 24 | 8.7% | 0.0% |
现金转化率PDLBSST
| Q4 25 | 5.48× | — | ||
| Q3 25 | 0.21× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 2.20× | — | ||
| Q4 24 | 2.46× | — | ||
| 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
