vs
Ponce Financial Group, Inc.（PDLB）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是Ponce Financial Group, Inc.的1.5倍（$47.1M vs $31.4M），Ponce Financial Group, Inc.净利率更高（36.3% vs -33.9%，领先70.2%），Ponce Financial Group, Inc.同比增速更快（37.6% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% vs 23.7%）
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。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
PDLB vs STEM — 直观对比
营收规模更大
STEM
是对方的1.5倍
$31.4M
营收增速更快
PDLB
高出53.2%
-15.6%
净利率更高
PDLB
高出70.2%
-33.9%
两年增速更快
STEM
近两年复合增速
23.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $31.4M | $47.1M |
| 净利润 | $10.1M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 43.6% | -17.7% |
| 净利率 | 36.3% | -33.9% |
| 营收同比 | 37.6% | -15.6% |
| 净利润同比 | 245.6% | 68.8% |
| 每股收益（稀释后） | $0.43 | $-4.40 |
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PDLBSTEM
| Q4 25 | $31.4M | $47.1M | ||
| Q3 25 | $26.7M | $38.2M | ||
| Q2 25 | $26.5M | $38.4M | ||
| Q1 25 | $24.6M | $32.5M | ||
| Q4 24 | $22.8M | $55.8M | ||
| Q3 24 | $20.2M | $29.3M | ||
| Q2 24 | $20.2M | $34.0M | ||
| Q1 24 | $20.5M | $25.5M |
净利润PDLBSTEM
| Q4 25 | $10.1M | $-16.0M | ||
| Q3 25 | $6.5M | $-23.8M | ||
| Q2 25 | $6.1M | $202.5M | ||
| Q1 25 | $6.0M | $-25.0M | ||
| Q4 24 | $2.9M | $-51.1M | ||
| Q3 24 | $2.4M | $-148.3M | ||
| Q2 24 | $3.2M | $-582.3M | ||
| Q1 24 | $2.4M | $-72.3M |
毛利率PDLBSTEM
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
营业利润率PDLBSTEM
| Q4 25 | 43.6% | -17.7% | ||
| Q3 25 | 32.8% | -33.6% | ||
| Q2 25 | 30.2% | -34.8% | ||
| Q1 25 | 32.5% | -65.0% | ||
| Q4 24 | 19.6% | -84.4% | ||
| Q3 24 | 15.2% | -493.2% | ||
| Q2 24 | 21.8% | -1705.5% | ||
| Q1 24 | 18.3% | -267.0% |
净利率PDLBSTEM
| Q4 25 | 36.3% | -33.9% | ||
| Q3 25 | 24.3% | -62.2% | ||
| Q2 25 | 23.0% | 527.8% | ||
| Q1 25 | 24.2% | -76.9% | ||
| Q4 24 | 14.1% | -91.6% | ||
| Q3 24 | 12.1% | -506.3% | ||
| Q2 24 | 15.8% | -1712.6% | ||
| Q1 24 | 11.8% | -283.9% |
每股收益（稀释后）PDLBSTEM
| Q4 25 | $0.43 | $-4.40 | ||
| Q3 25 | $0.27 | $-2.84 | ||
| Q2 25 | $0.25 | $-1.79 | ||
| Q1 25 | $0.25 | $-0.15 | ||
| Q4 24 | $0.11 | $-15.29 | ||
| Q3 24 | $0.10 | $-18.24 | ||
| Q2 24 | $0.14 | $-71.81 | ||
| Q1 24 | $0.11 | $-0.46 |
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 | $48.9M |
| 总债务越低越好 | $596.1M | — |
| 股东权益账面价值 | $541.5M | $-249.4M |
| 总资产 | $3.2B | $308.9M |
| 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PDLBSTEM
| Q4 25 | $126.2M | $48.9M | ||
| Q3 25 | $146.6M | $43.1M | ||
| Q2 25 | $126.6M | $40.8M | ||
| Q1 25 | $129.9M | $58.6M | ||
| Q4 24 | $139.8M | $56.3M | ||
| Q3 24 | $155.8M | $75.4M | ||
| Q2 24 | $103.2M | $89.6M | ||
| Q1 24 | $134.7M | $112.8M |
总债务PDLBSTEM
| 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PDLBSTEM
| Q4 25 | $541.5M | $-249.4M | ||
| Q3 25 | $529.8M | $-235.7M | ||
| Q2 25 | $521.1M | $-214.1M | ||
| Q1 25 | $513.9M | $-417.5M | ||
| Q4 24 | $505.5M | $-398.4M | ||
| Q3 24 | $504.6M | $-344.1M | ||
| Q2 24 | $497.7M | $-203.2M | ||
| Q1 24 | $493.7M | $371.6M |
总资产PDLBSTEM
| Q4 25 | $3.2B | $308.9M | ||
| Q3 25 | $3.2B | $362.6M | ||
| Q2 25 | $3.2B | $379.2M | ||
| Q1 25 | $3.1B | $405.1M | ||
| Q4 24 | $3.0B | $437.4M | ||
| Q3 24 | $3.0B | $537.8M | ||
| Q2 24 | $2.8B | $691.5M | ||
| Q1 24 | $2.8B | $1.3B |
负债/权益比PDLBSTEM
| 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 | $8.2M |
| 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% | — |
| 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PDLBSTEM
| Q4 25 | $55.6M | $8.2M | ||
| Q3 25 | $1.4M | $11.4M | ||
| Q2 25 | $6.2M | $-21.3M | ||
| Q1 25 | $13.1M | $8.5M | ||
| Q4 24 | $7.2M | $-14.7M | ||
| Q3 24 | $-14.6M | $-9.4M | ||
| Q2 24 | $-2.6M | $-11.9M | ||
| Q1 24 | $1.5M | $-621.0K |
自由现金流PDLBSTEM
| Q4 25 | $54.6M | — | ||
| Q3 25 | $786.0K | — | ||
| Q2 25 | $5.9M | — | ||
| Q1 25 | $12.9M | — | ||
| Q4 24 | $4.5M | — | ||
| Q3 24 | $-15.0M | — | ||
| Q2 24 | $-2.6M | — | ||
| Q1 24 | $-315.0K | — |
自由现金流率PDLBSTEM
| Q4 25 | 173.9% | — | ||
| Q3 25 | 2.9% | — | ||
| Q2 25 | 22.4% | — | ||
| Q1 25 | 52.6% | — | ||
| Q4 24 | 19.7% | — | ||
| Q3 24 | -74.1% | — | ||
| Q2 24 | -13.0% | — | ||
| Q1 24 | -1.5% | — |
资本支出强度PDLBSTEM
| Q4 25 | 3.1% | — | ||
| Q3 25 | 2.3% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 2.0% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 8.7% | — |
现金转化率PDLBSTEM
| Q4 25 | 5.48× | — | ||
| Q3 25 | 0.21× | — | ||
| Q2 25 | 1.01× | -0.11× | ||
| 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
