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PROVIDENT FINANCIAL SERVICES INC（PFS）与RAYONIER ADVANCED MATERIALS INC.（RYAM）财务数据对比。点击上方公司名可切换其他公司
RAYONIER ADVANCED MATERIALS INC.的季度营收约是PROVIDENT FINANCIAL SERVICES INC的1.8倍（$417.5M vs $225.7M），PROVIDENT FINANCIAL SERVICES INC同比增速更快（9.6% vs -1.2%），过去两年PROVIDENT FINANCIAL SERVICES INC的营收复合增速更高（40.4% vs 3.8%）
PNC金融服务集团是总部位于美国宾夕法尼亚州匹兹堡的银行控股及金融服务企业，旗下银行子公司PNC银行业务覆盖美国27个州和华盛顿特区，拥有2629家营业网点与9523台ATM机，是美国资产规模、网点数量、存款规模、ATM保有量均位居前列的大型银行机构。
RYAM（原雷尼尔先进材料公司）是一家美国全球性纤维素技术企业，主打高纯度特种纤维素产品，所生产的天然聚合物广泛应用于过滤器生产、食品加工、医药制造及各类工业领域，同时也为造纸和包装行业供应相关产品，在纤维素技术领域拥有较高的行业认可度。
PFS vs RYAM — 直观对比
营收规模更大
RYAM
是对方的1.8倍
$225.7M
营收增速更快
PFS
高出10.8%
-1.2%
两年增速更快
PFS
近两年复合增速
3.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $225.7M | $417.5M |
| 净利润 | — | $-21.1M |
| 毛利率 | — | 8.9% |
| 营业利润率 | 49.7% | 2.6% |
| 净利率 | — | -5.0% |
| 营收同比 | 9.6% | -1.2% |
| 净利润同比 | — | -31.9% |
| 每股收益（稀释后） | $0.64 | $-0.33 |
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PFSRYAM
| Q4 25 | $225.7M | $417.5M | ||
| Q3 25 | $221.8M | $352.8M | ||
| Q2 25 | $214.2M | $340.0M | ||
| Q1 25 | $208.8M | $356.0M | ||
| Q4 24 | $205.9M | $422.5M | ||
| Q3 24 | $210.6M | $401.1M | ||
| Q2 24 | $163.8M | $419.0M | ||
| Q1 24 | $114.5M | $387.7M |
净利润PFSRYAM
| Q4 25 | — | $-21.1M | ||
| Q3 25 | $71.7M | $-4.5M | ||
| Q2 25 | $72.0M | $-363.2M | ||
| Q1 25 | $64.0M | $-32.0M | ||
| Q4 24 | — | $-16.0M | ||
| Q3 24 | $46.4M | $-32.6M | ||
| Q2 24 | $-11.5M | $11.4M | ||
| Q1 24 | $32.1M | $-1.6M |
毛利率PFSRYAM
| Q4 25 | — | 8.9% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | — | 10.9% | ||
| Q2 24 | — | 11.5% | ||
| Q1 24 | — | 9.5% |
营业利润率PFSRYAM
| Q4 25 | 49.7% | 2.6% | ||
| Q3 25 | 45.8% | 2.8% | ||
| Q2 25 | 47.8% | -0.4% | ||
| Q1 25 | 44.0% | -4.2% | ||
| Q4 24 | 30.5% | 2.6% | ||
| Q3 24 | 31.0% | -4.2% | ||
| Q2 24 | -13.0% | 6.7% | ||
| Q1 24 | 37.5% | 4.4% |
净利率PFSRYAM
| Q4 25 | — | -5.0% | ||
| Q3 25 | 32.3% | -1.3% | ||
| Q2 25 | 33.6% | -106.8% | ||
| Q1 25 | 30.7% | -9.0% | ||
| Q4 24 | — | -3.8% | ||
| Q3 24 | 22.0% | -8.1% | ||
| Q2 24 | -7.0% | 2.7% | ||
| Q1 24 | 28.0% | -0.4% |
每股收益（稀释后）PFSRYAM
| Q4 25 | $0.64 | $-0.33 | ||
| Q3 25 | $0.55 | $-0.07 | ||
| Q2 25 | $0.55 | $-5.44 | ||
| Q1 25 | $0.49 | $-0.49 | ||
| Q4 24 | $0.37 | $-0.25 | ||
| Q3 24 | $0.36 | $-0.49 | ||
| Q2 24 | $-0.11 | $0.17 | ||
| Q1 24 | $0.43 | $-0.02 |
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 | $209.1M | $75.4M |
| 总债务越低越好 | — | $758.1M |
| 股东权益账面价值 | $2.8B | $316.6M |
| 总资产 | $25.0B | $1.8B |
| 负债/权益比越低杠杆越低 | — | 2.39× |
8季度趋势，按日历期对齐
现金及短期投资PFSRYAM
| Q4 25 | $209.1M | $75.4M | ||
| Q3 25 | $299.2M | $77.0M | ||
| Q2 25 | $258.0M | $70.7M | ||
| Q1 25 | $234.1M | $129.9M | ||
| Q4 24 | $205.9M | $125.2M | ||
| Q3 24 | $244.0M | $136.1M | ||
| Q2 24 | $290.5M | $114.1M | ||
| Q1 24 | $158.3M | $54.6M |
总债务PFSRYAM
| Q4 25 | — | $758.1M | ||
| Q3 25 | — | $763.5M | ||
| Q2 25 | — | $720.4M | ||
| Q1 25 | — | $707.0M | ||
| Q4 24 | — | $706.4M | ||
| Q3 24 | — | $747.7M | ||
| Q2 24 | — | $752.8M | ||
| Q1 24 | — | $755.6M |
股东权益PFSRYAM
| Q4 25 | $2.8B | $316.6M | ||
| Q3 25 | $2.8B | $338.2M | ||
| Q2 25 | $2.7B | $342.3M | ||
| Q1 25 | $2.7B | $688.1M | ||
| Q4 24 | $2.6B | $713.9M | ||
| Q3 24 | $2.6B | $732.7M | ||
| Q2 24 | $2.6B | $755.1M | ||
| Q1 24 | $1.7B | $741.8M |
总资产PFSRYAM
| Q4 25 | $25.0B | $1.8B | ||
| Q3 25 | $24.8B | $1.8B | ||
| Q2 25 | $24.5B | $1.8B | ||
| Q1 25 | $24.2B | $2.1B | ||
| Q4 24 | $24.1B | $2.1B | ||
| Q3 24 | $24.0B | $2.2B | ||
| Q2 24 | $24.1B | $2.2B | ||
| Q1 24 | $14.1B | $2.1B |
负债/权益比PFSRYAM
| Q4 25 | — | 2.39× | ||
| Q3 25 | — | 2.26× | ||
| Q2 25 | — | 2.10× | ||
| Q1 25 | — | 1.03× | ||
| Q4 24 | — | 0.99× | ||
| Q3 24 | — | 1.02× | ||
| Q2 24 | — | 1.00× | ||
| Q1 24 | — | 1.02× |
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 | $442.3M | $32.3M |
| 自由现金流经营现金流 - 资本支出 | $430.7M | — |
| 自由现金流率自由现金流/营收 | 190.8% | — |
| 资本支出强度资本支出/营收 | 5.1% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $797.4M | — |
8季度趋势，按日历期对齐
经营现金流PFSRYAM
| Q4 25 | $442.3M | $32.3M | ||
| Q3 25 | $98.0M | $-17.8M | ||
| Q2 25 | $186.8M | $-30.2M | ||
| Q1 25 | $88.5M | $39.6M | ||
| Q4 24 | $426.4M | $54.9M | ||
| Q3 24 | $69.2M | $49.8M | ||
| Q2 24 | $76.5M | $87.6M | ||
| Q1 24 | $41.4M | $11.3M |
自由现金流PFSRYAM
| Q4 25 | $430.7M | — | ||
| Q3 25 | $96.7M | — | ||
| Q2 25 | $182.6M | — | ||
| Q1 25 | $87.4M | — | ||
| Q4 24 | $425.1M | — | ||
| Q3 24 | $67.9M | — | ||
| Q2 24 | $75.5M | — | ||
| Q1 24 | $40.9M | — |
自由现金流率PFSRYAM
| Q4 25 | 190.8% | — | ||
| Q3 25 | 43.6% | — | ||
| Q2 25 | 85.2% | — | ||
| Q1 25 | 41.9% | — | ||
| Q4 24 | 206.4% | — | ||
| Q3 24 | 32.2% | — | ||
| Q2 24 | 46.1% | — | ||
| Q1 24 | 35.7% | — |
资本支出强度PFSRYAM
| Q4 25 | 5.1% | — | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 2.0% | — | ||
| Q1 25 | 0.5% | — | ||
| Q4 24 | 0.6% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 0.6% | — | ||
| Q1 24 | 0.5% | — |
现金转化率PFSRYAM
| Q4 25 | — | — | ||
| Q3 25 | 1.37× | — | ||
| Q2 25 | 2.59× | — | ||
| Q1 25 | 1.38× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.49× | — | ||
| Q2 24 | — | 7.69× | ||
| Q1 24 | 1.29× | — |
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
PFS
暂无分部数据
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
