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Ponce Financial Group, Inc.（PDLB）与泛美白银（USAS）财务数据对比。点击上方公司名可切换其他公司
Ponce Financial Group, Inc.的季度营收约是泛美白银的1.6倍（$31.4M vs $19.1M），Ponce Financial Group, Inc.净利率更高（36.3% vs -82.3%，领先118.6%），Ponce Financial Group, Inc.同比增速更快（37.6% vs -28.0%），Ponce Financial Group, Inc.自由现金流更多（$54.6M vs $-41.3M）
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。
泛美白银是一家总部位于加拿大的矿业企业，业务布局集中在拉丁美洲，在墨西哥、秘鲁、玻利维亚、阿根廷多国持有运营矿山及其他矿产开发项目，是美洲地区重要的贵金属开采企业。
PDLB vs USAS — 直观对比
营收规模更大
PDLB
是对方的1.6倍
$19.1M
营收增速更快
PDLB
高出65.6%
-28.0%
净利率更高
PDLB
高出118.6%
-82.3%
自由现金流更多
PDLB
多$95.9M
$-41.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $31.4M | $19.1M |
| 净利润 | $10.1M | $-15.7M |
| 毛利率 | — | 34.2% |
| 营业利润率 | 43.6% | — |
| 净利率 | 36.3% | -82.3% |
| 营收同比 | 37.6% | -28.0% |
| 净利润同比 | 245.6% | 2.8% |
| 每股收益（稀释后） | $0.43 | — |
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PDLBUSAS
| Q4 25 | $31.4M | — | ||
| Q3 25 | $26.7M | $19.1M | ||
| Q2 25 | $26.5M | — | ||
| Q1 25 | $24.6M | — | ||
| Q4 24 | $22.8M | — | ||
| Q3 24 | $20.2M | $26.5M | ||
| Q2 24 | $20.2M | — | ||
| Q1 24 | $20.5M | — |
净利润PDLBUSAS
| Q4 25 | $10.1M | — | ||
| Q3 25 | $6.5M | $-15.7M | ||
| Q2 25 | $6.1M | — | ||
| Q1 25 | $6.0M | — | ||
| Q4 24 | $2.9M | — | ||
| Q3 24 | $2.4M | $-16.2M | ||
| Q2 24 | $3.2M | — | ||
| Q1 24 | $2.4M | — |
毛利率PDLBUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率PDLBUSAS
| Q4 25 | 43.6% | — | ||
| Q3 25 | 32.8% | — | ||
| Q2 25 | 30.2% | — | ||
| Q1 25 | 32.5% | — | ||
| Q4 24 | 19.6% | — | ||
| Q3 24 | 15.2% | — | ||
| Q2 24 | 21.8% | — | ||
| Q1 24 | 18.3% | — |
净利率PDLBUSAS
| Q4 25 | 36.3% | — | ||
| Q3 25 | 24.3% | -82.3% | ||
| Q2 25 | 23.0% | — | ||
| Q1 25 | 24.2% | — | ||
| Q4 24 | 14.1% | — | ||
| Q3 24 | 12.1% | -60.9% | ||
| Q2 24 | 15.8% | — | ||
| Q1 24 | 11.8% | — |
每股收益（稀释后）PDLBUSAS
| Q4 25 | $0.43 | — | ||
| Q3 25 | $0.27 | — | ||
| Q2 25 | $0.25 | — | ||
| Q1 25 | $0.25 | — | ||
| Q4 24 | $0.11 | — | ||
| Q3 24 | $0.10 | — | ||
| Q2 24 | $0.14 | — | ||
| Q1 24 | $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 | $39.1M |
| 总债务越低越好 | $596.1M | — |
| 股东权益账面价值 | $541.5M | $50.2M |
| 总资产 | $3.2B | $234.7M |
| 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PDLBUSAS
| Q4 25 | $126.2M | — | ||
| Q3 25 | $146.6M | $39.1M | ||
| Q2 25 | $126.6M | — | ||
| Q1 25 | $129.9M | — | ||
| Q4 24 | $139.8M | — | ||
| Q3 24 | $155.8M | — | ||
| Q2 24 | $103.2M | — | ||
| Q1 24 | $134.7M | — |
总债务PDLBUSAS
| 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PDLBUSAS
| Q4 25 | $541.5M | — | ||
| Q3 25 | $529.8M | $50.2M | ||
| Q2 25 | $521.1M | — | ||
| Q1 25 | $513.9M | — | ||
| Q4 24 | $505.5M | — | ||
| Q3 24 | $504.6M | $53.1M | ||
| Q2 24 | $497.7M | — | ||
| Q1 24 | $493.7M | — |
总资产PDLBUSAS
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.2B | $234.7M | ||
| Q2 25 | $3.2B | — | ||
| Q1 25 | $3.1B | — | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $3.0B | — | ||
| Q2 24 | $2.8B | — | ||
| Q1 24 | $2.8B | — |
负债/权益比PDLBUSAS
| 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 | $-12.5M |
| 自由现金流经营现金流 - 资本支出 | $54.6M | $-41.3M |
| 自由现金流率自由现金流/营收 | 173.9% | -216.5% |
| 资本支出强度资本支出/营收 | 3.1% | 150.8% |
| 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PDLBUSAS
| Q4 25 | $55.6M | — | ||
| Q3 25 | $1.4M | $-12.5M | ||
| Q2 25 | $6.2M | — | ||
| Q1 25 | $13.1M | — | ||
| Q4 24 | $7.2M | — | ||
| Q3 24 | $-14.6M | $2.4M | ||
| Q2 24 | $-2.6M | — | ||
| Q1 24 | $1.5M | — |
自由现金流PDLBUSAS
| Q4 25 | $54.6M | — | ||
| Q3 25 | $786.0K | $-41.3M | ||
| Q2 25 | $5.9M | — | ||
| Q1 25 | $12.9M | — | ||
| Q4 24 | $4.5M | — | ||
| Q3 24 | $-15.0M | $-11.2M | ||
| Q2 24 | $-2.6M | — | ||
| Q1 24 | $-315.0K | — |
自由现金流率PDLBUSAS
| Q4 25 | 173.9% | — | ||
| Q3 25 | 2.9% | -216.5% | ||
| Q2 25 | 22.4% | — | ||
| Q1 25 | 52.6% | — | ||
| Q4 24 | 19.7% | — | ||
| Q3 24 | -74.1% | -42.2% | ||
| Q2 24 | -13.0% | — | ||
| Q1 24 | -1.5% | — |
资本支出强度PDLBUSAS
| Q4 25 | 3.1% | — | ||
| Q3 25 | 2.3% | 150.8% | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 2.0% | 51.2% | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 8.7% | — |
现金转化率PDLBUSAS
| 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
