vs
Ponce Financial Group, Inc.（PDLB）与Stran & Company, Inc.（SWAG）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Stran & Company, Inc.的1.1倍（$31.4M vs $28.9M），Ponce Financial Group, Inc.净利率更高（36.3% vs 0.8%，领先35.4%），Ponce Financial Group, Inc.同比增速更快（37.6% vs 7.2%），Ponce Financial Group, Inc.自由现金流更多（$54.6M vs $38.0K），过去两年Stran & Company, Inc.的营收复合增速更高（24.0% 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。
Stran & Company, Inc.是品牌促销产品、定制周边及一体化营销解决方案供应商，服务覆盖零售、医疗、科技、教育等领域企业客户，助力客户开展品牌宣传、用户运营及员工激励相关工作。
PDLB vs SWAG — 直观对比
营收规模更大
PDLB
是对方的1.1倍
$28.9M
营收增速更快
PDLB
高出30.4%
7.2%
净利率更高
PDLB
高出35.4%
0.8%
自由现金流更多
PDLB
多$54.6M
$38.0K
两年增速更快
SWAG
近两年复合增速
23.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $31.4M | $28.9M |
| 净利润 | $10.1M | $243.0K |
| 毛利率 | — | 30.4% |
| 营业利润率 | 43.6% | -0.1% |
| 净利率 | 36.3% | 0.8% |
| 营收同比 | 37.6% | 7.2% |
| 净利润同比 | 245.6% | 141.5% |
| 每股收益（稀释后） | $0.43 | $0.02 |
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PDLBSWAG
| Q4 25 | $31.4M | $28.9M | ||
| Q3 25 | $26.7M | $26.0M | ||
| Q2 25 | $26.5M | $32.6M | ||
| Q1 25 | $24.6M | $28.7M | ||
| Q4 24 | $22.8M | $27.0M | ||
| Q3 24 | $20.2M | $20.1M | ||
| Q2 24 | $20.2M | $16.7M | ||
| Q1 24 | $20.5M | $18.8M |
净利润PDLBSWAG
| Q4 25 | $10.1M | $243.0K | ||
| Q3 25 | $6.5M | $-1.2M | ||
| Q2 25 | $6.1M | $643.0K | ||
| Q1 25 | $6.0M | $-393.0K | ||
| Q4 24 | $2.9M | $-586.0K | ||
| Q3 24 | $2.4M | $-2.0M | ||
| Q2 24 | $3.2M | $-1.0M | ||
| Q1 24 | $2.4M | $-491.0K |
毛利率PDLBSWAG
| Q4 25 | — | 30.4% | ||
| Q3 25 | — | 27.2% | ||
| Q2 25 | — | 30.3% | ||
| Q1 25 | — | 29.6% | ||
| Q4 24 | — | 32.5% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 32.8% | ||
| Q1 24 | — | 29.8% |
营业利润率PDLBSWAG
| Q4 25 | 43.6% | -0.1% | ||
| Q3 25 | 32.8% | -6.9% | ||
| Q2 25 | 30.2% | 1.2% | ||
| Q1 25 | 32.5% | -1.9% | ||
| Q4 24 | 19.6% | -3.5% | ||
| Q3 24 | 15.2% | -10.8% | ||
| Q2 24 | 21.8% | -6.6% | ||
| Q1 24 | 18.3% | -3.5% |
净利率PDLBSWAG
| Q4 25 | 36.3% | 0.8% | ||
| Q3 25 | 24.3% | -4.8% | ||
| Q2 25 | 23.0% | 2.0% | ||
| Q1 25 | 24.2% | -1.4% | ||
| Q4 24 | 14.1% | -2.2% | ||
| Q3 24 | 12.1% | -10.1% | ||
| Q2 24 | 15.8% | -6.1% | ||
| Q1 24 | 11.8% | -2.6% |
每股收益（稀释后）PDLBSWAG
| Q4 25 | $0.43 | $0.02 | ||
| Q3 25 | $0.27 | $-0.07 | ||
| Q2 25 | $0.25 | $0.03 | ||
| Q1 25 | $0.25 | $-0.02 | ||
| Q4 24 | $0.11 | $-0.02 | ||
| Q3 24 | $0.10 | $-0.11 | ||
| Q2 24 | $0.14 | $-0.06 | ||
| Q1 24 | $0.11 | $-0.03 |
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 | $11.6M |
| 总债务越低越好 | $596.1M | — |
| 股东权益账面价值 | $541.5M | $30.5M |
| 总资产 | $3.2B | $49.3M |
| 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PDLBSWAG
| Q4 25 | $126.2M | $11.6M | ||
| Q3 25 | $146.6M | $11.8M | ||
| Q2 25 | $126.6M | $18.1M | ||
| Q1 25 | $129.9M | $12.2M | ||
| Q4 24 | $139.8M | $18.2M | ||
| Q3 24 | $155.8M | $6.9M | ||
| Q2 24 | $103.2M | $9.6M | ||
| Q1 24 | $134.7M | $10.7M |
总债务PDLBSWAG
| 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PDLBSWAG
| Q4 25 | $541.5M | $30.5M | ||
| Q3 25 | $529.8M | $30.2M | ||
| Q2 25 | $521.1M | $31.8M | ||
| Q1 25 | $513.9M | $31.3M | ||
| Q4 24 | $505.5M | $31.6M | ||
| Q3 24 | $504.6M | $32.3M | ||
| Q2 24 | $497.7M | $34.3M | ||
| Q1 24 | $493.7M | $35.2M |
总资产PDLBSWAG
| Q4 25 | $3.2B | $49.3M | ||
| Q3 25 | $3.2B | $50.3M | ||
| Q2 25 | $3.2B | $61.2M | ||
| Q1 25 | $3.1B | $52.2M | ||
| Q4 24 | $3.0B | $55.1M | ||
| Q3 24 | $3.0B | $48.8M | ||
| Q2 24 | $2.8B | $46.6M | ||
| Q1 24 | $2.8B | $47.9M |
负债/权益比PDLBSWAG
| 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 | $161.0K |
| 自由现金流经营现金流 - 资本支出 | $54.6M | $38.0K |
| 自由现金流率自由现金流/营收 | 173.9% | 0.1% |
| 资本支出强度资本支出/营收 | 3.1% | 0.4% |
| 现金转化率经营现金流/净利润 | 5.48× | 0.66× |
| 过去12个月自由现金流最近4个季度 | $74.3M | $-5.5M |
8季度趋势，按日历期对齐
经营现金流PDLBSWAG
| Q4 25 | $55.6M | $161.0K | ||
| Q3 25 | $1.4M | $-5.4M | ||
| Q2 25 | $6.2M | $6.4M | ||
| Q1 25 | $13.1M | $-5.9M | ||
| Q4 24 | $7.2M | $1.3M | ||
| Q3 24 | $-14.6M | $-2.7M | ||
| Q2 24 | $-2.6M | $2.1M | ||
| Q1 24 | $1.5M | $2.1M |
自由现金流PDLBSWAG
| Q4 25 | $54.6M | $38.0K | ||
| Q3 25 | $786.0K | $-5.9M | ||
| Q2 25 | $5.9M | $6.3M | ||
| Q1 25 | $12.9M | $-6.0M | ||
| Q4 24 | $4.5M | $1.2M | ||
| Q3 24 | $-15.0M | $-2.9M | ||
| Q2 24 | $-2.6M | $1.9M | ||
| Q1 24 | $-315.0K | $1.9M |
自由现金流率PDLBSWAG
| Q4 25 | 173.9% | 0.1% | ||
| Q3 25 | 2.9% | -22.6% | ||
| Q2 25 | 22.4% | 19.5% | ||
| Q1 25 | 52.6% | -21.0% | ||
| Q4 24 | 19.7% | 4.6% | ||
| Q3 24 | -74.1% | -14.3% | ||
| Q2 24 | -13.0% | 11.6% | ||
| Q1 24 | -1.5% | 9.9% |
资本支出强度PDLBSWAG
| Q4 25 | 3.1% | 0.4% | ||
| Q3 25 | 2.3% | 1.9% | ||
| Q2 25 | 1.0% | 0.2% | ||
| Q1 25 | 0.6% | 0.4% | ||
| Q4 24 | 11.9% | 0.3% | ||
| Q3 24 | 2.0% | 0.7% | ||
| Q2 24 | 0.3% | 1.1% | ||
| Q1 24 | 8.7% | 1.0% |
现金转化率PDLBSWAG
| Q4 25 | 5.48× | 0.66× | ||
| Q3 25 | 0.21× | — | ||
| Q2 25 | 1.01× | 9.99× | ||
| 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
业务分部营收拆解
PDLB
暂无分部数据
SWAG
| Promotional Products Dropshipping | $11.2M | 39% |
| Casino Continuity Program | $6.9M | 24% |
| Promotional Products Company Owned Inventory | $4.6M | 16% |
| Promotional Products Bulk Dropshipping | $3.8M | 13% |
| Promotional Products Thirdparty Distributor | $1.8M | 6% |
| Other | $610.0K | 2% |
