vs
Ponce Financial Group, Inc.（PDLB）与VIRCO MFG CORPORATION（VIRC）财务数据对比。点击上方公司名可切换其他公司
VIRCO MFG CORPORATION的季度营收约是Ponce Financial Group, Inc.的1.5倍（$47.6M vs $31.4M），Ponce Financial Group, Inc.净利率更高（36.3% vs -2.8%，领先39.1%），Ponce Financial Group, Inc.同比增速更快（37.6% vs -42.3%），Ponce Financial Group, Inc.自由现金流更多（$54.6M vs $24.5M），过去两年Ponce Financial Group, Inc.的营收复合增速更高（23.7% vs 5.7%）
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。
维尔科制造公司（简称Virco）是总部位于美国加利福尼亚州托伦斯的家具制造商，主打教育场景家具产品，核心产品涵盖学生课桌、活动桌、校园及办公座椅、电脑台、轻质折叠桌与布艺沙发椅等。
PDLB vs VIRC — 直观对比
营收规模更大
VIRC
是对方的1.5倍
$31.4M
营收增速更快
PDLB
高出80.0%
-42.3%
净利率更高
PDLB
高出39.1%
-2.8%
自由现金流更多
PDLB
多$30.1M
$24.5M
两年增速更快
PDLB
近两年复合增速
5.7%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $31.4M | $47.6M |
| 净利润 | $10.1M | $-1.3M |
| 毛利率 | — | 38.0% |
| 营业利润率 | 43.6% | -3.6% |
| 净利率 | 36.3% | -2.8% |
| 营收同比 | 37.6% | -42.3% |
| 净利润同比 | 245.6% | -115.8% |
| 每股收益（稀释后） | $0.43 | $-0.08 |
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PDLBVIRC
| Q4 25 | $31.4M | $47.6M | ||
| Q3 25 | $26.7M | $92.1M | ||
| Q2 25 | $26.5M | $33.8M | ||
| Q1 25 | $24.6M | $28.5M | ||
| Q4 24 | $22.8M | $82.6M | ||
| Q3 24 | $20.2M | $108.4M | ||
| Q2 24 | $20.2M | $46.7M | ||
| Q1 24 | $20.5M | $42.6M |
净利润PDLBVIRC
| Q4 25 | $10.1M | $-1.3M | ||
| Q3 25 | $6.5M | $10.2M | ||
| Q2 25 | $6.1M | $732.0K | ||
| Q1 25 | $6.0M | $-5.7M | ||
| Q4 24 | $2.9M | $8.4M | ||
| Q3 24 | $2.4M | $16.8M | ||
| Q2 24 | $3.2M | $2.1M | ||
| Q1 24 | $2.4M | $-2.3M |
毛利率PDLBVIRC
| Q4 25 | — | 38.0% | ||
| Q3 25 | — | 44.4% | ||
| Q2 25 | — | 47.5% | ||
| Q1 25 | — | 26.2% | ||
| Q4 24 | — | 44.4% | ||
| Q3 24 | — | 46.3% | ||
| Q2 24 | — | 43.5% | ||
| Q1 24 | — | 37.7% |
营业利润率PDLBVIRC
| Q4 25 | 43.6% | -3.6% | ||
| Q3 25 | 32.8% | 16.7% | ||
| Q2 25 | 30.2% | -0.3% | ||
| Q1 25 | 32.5% | -28.5% | ||
| Q4 24 | 19.6% | 13.5% | ||
| Q3 24 | 15.2% | 20.2% | ||
| Q2 24 | 21.8% | 6.4% | ||
| Q1 24 | 18.3% | -6.5% |
净利率PDLBVIRC
| Q4 25 | 36.3% | -2.8% | ||
| Q3 25 | 24.3% | 11.1% | ||
| Q2 25 | 23.0% | 2.2% | ||
| Q1 25 | 24.2% | -20.1% | ||
| Q4 24 | 14.1% | 10.2% | ||
| Q3 24 | 12.1% | 15.5% | ||
| Q2 24 | 15.8% | 4.6% | ||
| Q1 24 | 11.8% | -5.5% |
每股收益（稀释后）PDLBVIRC
| Q4 25 | $0.43 | $-0.08 | ||
| Q3 25 | $0.27 | $0.65 | ||
| Q2 25 | $0.25 | $0.05 | ||
| Q1 25 | $0.25 | $-0.37 | ||
| Q4 24 | $0.11 | $0.52 | ||
| Q3 24 | $0.10 | $1.04 | ||
| Q2 24 | $0.14 | $0.13 | ||
| Q1 24 | $0.11 | $-0.14 |
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 | — |
| 总债务越低越好 | $596.1M | $3.9M |
| 股东权益账面价值 | $541.5M | $113.6M |
| 总资产 | $3.2B | $181.5M |
| 负债/权益比越低杠杆越低 | 1.10× | 0.03× |
8季度趋势，按日历期对齐
现金及短期投资PDLBVIRC
| Q4 25 | $126.2M | — | ||
| Q3 25 | $146.6M | — | ||
| Q2 25 | $126.6M | — | ||
| Q1 25 | $129.9M | — | ||
| Q4 24 | $139.8M | — | ||
| Q3 24 | $155.8M | — | ||
| Q2 24 | $103.2M | — | ||
| Q1 24 | $134.7M | $5.3M |
总债务PDLBVIRC
| Q4 25 | $596.1M | $3.9M | ||
| Q3 25 | $521.1M | $4.0M | ||
| Q2 25 | $536.1M | $4.1M | ||
| Q1 25 | $521.1M | $4.1M | ||
| Q4 24 | $596.1M | $4.2M | ||
| Q3 24 | $580.4M | $4.3M | ||
| Q2 24 | $680.4M | $7.0M | ||
| Q1 24 | $680.4M | $4.4M |
股东权益PDLBVIRC
| Q4 25 | $541.5M | $113.6M | ||
| Q3 25 | $529.8M | $115.4M | ||
| Q2 25 | $521.1M | $105.6M | ||
| Q1 25 | $513.9M | $109.3M | ||
| Q4 24 | $505.5M | $115.9M | ||
| Q3 24 | $504.6M | $107.8M | ||
| Q2 24 | $497.7M | $91.6M | ||
| Q1 24 | $493.7M | $91.2M |
总资产PDLBVIRC
| Q4 25 | $3.2B | $181.5M | ||
| Q3 25 | $3.2B | $198.6M | ||
| Q2 25 | $3.2B | $183.8M | ||
| Q1 25 | $3.1B | $191.9M | ||
| Q4 24 | $3.0B | $210.1M | ||
| Q3 24 | $3.0B | $216.3M | ||
| Q2 24 | $2.8B | $152.5M | ||
| Q1 24 | $2.8B | $146.4M |
负债/权益比PDLBVIRC
| Q4 25 | 1.10× | 0.03× | ||
| Q3 25 | 0.98× | 0.03× | ||
| Q2 25 | 1.03× | 0.04× | ||
| Q1 25 | 1.01× | 0.04× | ||
| Q4 24 | 1.18× | 0.04× | ||
| Q3 24 | 1.15× | 0.04× | ||
| Q2 24 | 1.37× | 0.08× | ||
| Q1 24 | 1.38× | 0.05× |
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 | $25.8M |
| 自由现金流经营现金流 - 资本支出 | $54.6M | $24.5M |
| 自由现金流率自由现金流/营收 | 173.9% | 51.5% |
| 资本支出强度资本支出/营收 | 3.1% | 2.7% |
| 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 | $-4.3M |
8季度趋势，按日历期对齐
经营现金流PDLBVIRC
| Q4 25 | $55.6M | $25.8M | ||
| Q3 25 | $1.4M | $3.2M | ||
| Q2 25 | $6.2M | $-19.0M | ||
| Q1 25 | $13.1M | $-8.3M | ||
| Q4 24 | $7.2M | $33.5M | ||
| Q3 24 | $-14.6M | $12.5M | ||
| Q2 24 | $-2.6M | $-4.5M | ||
| Q1 24 | $1.5M | $4.7M |
自由现金流PDLBVIRC
| Q4 25 | $54.6M | $24.5M | ||
| Q3 25 | $786.0K | $1.8M | ||
| Q2 25 | $5.9M | $-21.5M | ||
| Q1 25 | $12.9M | $-9.2M | ||
| Q4 24 | $4.5M | $31.0M | ||
| Q3 24 | $-15.0M | $10.7M | ||
| Q2 24 | $-2.6M | $-5.6M | ||
| Q1 24 | $-315.0K | $4.0M |
自由现金流率PDLBVIRC
| Q4 25 | 173.9% | 51.5% | ||
| Q3 25 | 2.9% | 2.0% | ||
| Q2 25 | 22.4% | -63.6% | ||
| Q1 25 | 52.6% | -32.4% | ||
| Q4 24 | 19.7% | 37.5% | ||
| Q3 24 | -74.1% | 9.8% | ||
| Q2 24 | -13.0% | -12.0% | ||
| Q1 24 | -1.5% | 9.5% |
资本支出强度PDLBVIRC
| Q4 25 | 3.1% | 2.7% | ||
| Q3 25 | 2.3% | 1.5% | ||
| Q2 25 | 1.0% | 7.2% | ||
| Q1 25 | 0.6% | 3.3% | ||
| Q4 24 | 11.9% | 3.0% | ||
| Q3 24 | 2.0% | 1.7% | ||
| Q2 24 | 0.3% | 2.3% | ||
| Q1 24 | 8.7% | 1.5% |
现金转化率PDLBVIRC
| Q4 25 | 5.48× | — | ||
| Q3 25 | 0.21× | 0.31× | ||
| Q2 25 | 1.01× | -26.00× | ||
| Q1 25 | 2.20× | — | ||
| Q4 24 | 2.46× | 3.98× | ||
| Q3 24 | -5.99× | 0.74× | ||
| Q2 24 | -0.80× | -2.11× | ||
| 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
