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PennyMac Financial Services, Inc.（PFSI）与PINTEREST, INC.（PINS）财务数据对比。点击上方公司名可切换其他公司
PINTEREST, INC.的季度营收约是PennyMac Financial Services, Inc.的1.9倍（$1.0B vs $538.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs -7.3%，领先1759.8%），PINTEREST, INC.同比增速更快（17.8% vs 14.4%），PINTEREST, INC.自由现金流更多（$311.7M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 8.6%）
PennyMac Financial Services是总部位于美国加利福尼亚州西湖村的住宅抵押贷款企业，核心业务涵盖美国抵押贷款的发放、贷后服务，以及抵押贷款市场相关投资管理。公司下设两家子公司，其中PNMAC资本管理有限公司负责运营旗下的抵押贷款不动产投资信托（REIT）PennyMac Mortgage Investment Trust。
Pinterest是美国社交媒体服务商，主打数字图板形式的信息发布与发现功能，用户可通过图片分享获取食谱、家居、穿搭、创意灵感等多元内容。公司由本·西尔伯曼、保罗·夏拉、埃文·夏普联合创立，总部位于旧金山。
PFSI vs PINS — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $1.0B |
| 净利润 | $106.8M | $-73.6M |
| 毛利率 | — | 76.3% |
| 营业利润率 | 25.0% | -8.0% |
| 净利率 | 1752.5% | -7.3% |
| 营收同比 | 14.4% | 17.8% |
| 净利润同比 | 2.2% | — |
| 每股收益（稀释后） | $1.97 | $-0.12 |
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
| Q1 26 | — | $1.0B | ||
| Q4 25 | $538.0M | $1.3B | ||
| Q3 25 | $632.9M | $1.0B | ||
| Q2 25 | $444.7M | $998.2M | ||
| Q1 25 | $430.9M | $855.0M | ||
| Q4 24 | $470.1M | $1.2B | ||
| Q3 24 | $411.8M | $898.4M | ||
| Q2 24 | $406.1M | $853.7M |
| Q1 26 | — | $-73.6M | ||
| Q4 25 | $106.8M | $277.1M | ||
| Q3 25 | $181.5M | $92.1M | ||
| Q2 25 | $136.5M | $38.8M | ||
| Q1 25 | $76.3M | $8.9M | ||
| Q4 24 | $104.5M | $1.8B | ||
| Q3 24 | $69.4M | $30.6M | ||
| Q2 24 | $98.3M | $8.9M |
| Q1 26 | — | 76.3% | ||
| Q4 25 | — | 82.8% | ||
| Q3 25 | — | 79.8% | ||
| Q2 25 | — | 79.7% | ||
| Q1 25 | — | 76.7% | ||
| Q4 24 | — | 82.9% | ||
| Q3 24 | — | 79.1% | ||
| Q2 24 | — | 78.3% |
| Q1 26 | — | -8.0% | ||
| Q4 25 | 25.0% | 22.8% | ||
| Q3 25 | 37.3% | 5.6% | ||
| Q2 25 | 17.2% | -0.4% | ||
| Q1 25 | 24.2% | -4.1% | ||
| Q4 24 | 27.5% | 22.7% | ||
| Q3 24 | 22.8% | -0.7% | ||
| Q2 24 | 33.0% | -2.5% |
| Q1 26 | — | -7.3% | ||
| Q4 25 | 1752.5% | 21.0% | ||
| Q3 25 | 28.7% | 8.8% | ||
| Q2 25 | 30.7% | 3.9% | ||
| Q1 25 | 17.7% | 1.0% | ||
| Q4 24 | 2559.8% | 160.1% | ||
| Q3 24 | 16.8% | 3.4% | ||
| Q2 24 | 24.2% | 1.0% |
| Q1 26 | — | $-0.12 | ||
| Q4 25 | $1.97 | $0.41 | ||
| Q3 25 | $3.37 | $0.13 | ||
| Q2 25 | $2.54 | $0.06 | ||
| Q1 25 | $1.42 | $0.01 | ||
| Q4 24 | $1.95 | $2.66 | ||
| Q3 24 | $1.30 | $0.04 | ||
| Q2 24 | $1.85 | $0.01 |
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 | $410.0M | $378.1M |
| 总债务越低越好 | $6.2B | — |
| 股东权益账面价值 | $4.3B | $2.9B |
| 总资产 | $29.4B | $4.6B |
| 负债/权益比越低杠杆越低 | 1.45× | — |
8季度趋势，按日历期对齐
| Q1 26 | — | $378.1M | ||
| Q4 25 | $410.0M | $969.3M | ||
| Q3 25 | $62.2M | $1.1B | ||
| Q2 25 | $462.3M | $1.2B | ||
| Q1 25 | $443.4M | $1.3B | ||
| Q4 24 | $420.6M | $1.1B | ||
| Q3 24 | $667.9M | $1.0B | ||
| Q2 24 | $188.8M | $1.4B |
| Q1 26 | — | — | ||
| Q4 25 | $6.2B | — | ||
| Q3 25 | $6.2B | — | ||
| Q2 25 | $5.6B | — | ||
| Q1 25 | $5.8B | — | ||
| Q4 24 | $5.3B | — | ||
| Q3 24 | $4.9B | — | ||
| Q2 24 | $4.9B | — |
| Q1 26 | — | $2.9B | ||
| Q4 25 | $4.3B | $4.7B | ||
| Q3 25 | $4.2B | $4.8B | ||
| Q2 25 | $4.0B | $4.8B | ||
| Q1 25 | $3.9B | $4.7B | ||
| Q4 24 | $3.8B | $4.8B | ||
| Q3 24 | $3.7B | $2.9B | ||
| Q2 24 | $3.7B | $3.2B |
| Q1 26 | — | $4.6B | ||
| Q4 25 | $29.4B | $5.5B | ||
| Q3 25 | $25.4B | $5.5B | ||
| Q2 25 | $24.2B | $5.4B | ||
| Q1 25 | $23.9B | $5.3B | ||
| Q4 24 | $26.1B | $5.3B | ||
| Q3 24 | $22.9B | $3.5B | ||
| Q2 24 | $21.6B | $3.7B |
| Q1 26 | — | — | ||
| Q4 25 | 1.45× | — | ||
| Q3 25 | 1.48× | — | ||
| Q2 25 | 1.38× | — | ||
| Q1 25 | 1.48× | — | ||
| Q4 24 | 1.37× | — | ||
| Q3 24 | 1.32× | — | ||
| Q2 24 | 1.35× | — |
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 | $-1.7B | $328.0M |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | $311.7M |
| 自由现金流率自由现金流/营收 | -309.3% | 30.9% |
| 资本支出强度资本支出/营收 | 2.2% | — |
| 现金转化率经营现金流/净利润 | -15.46× | — |
| 过去12个月自由现金流最近4个季度 | $-1.4B | $1.2B |
8季度趋势，按日历期对齐
| Q1 26 | — | $328.0M | ||
| Q4 25 | $-1.7B | $391.2M | ||
| Q3 25 | $-697.4M | $321.7M | ||
| Q2 25 | $-131.3M | $207.7M | ||
| Q1 25 | $1.1B | $363.7M | ||
| Q4 24 | $-4.5B | $254.0M | ||
| Q3 24 | $-393.7M | $248.0M | ||
| Q2 24 | $-1.1B | $106.4M |
| Q1 26 | — | $311.7M | ||
| Q4 25 | $-1.7B | $380.4M | ||
| Q3 25 | $-699.4M | $318.4M | ||
| Q2 25 | $-132.6M | $196.7M | ||
| Q1 25 | $1.1B | $356.4M | ||
| Q4 24 | $-4.5B | $250.2M | ||
| Q3 24 | $-393.9M | $244.1M | ||
| Q2 24 | $-1.1B | $101.6M |
| Q1 26 | — | 30.9% | ||
| Q4 25 | -309.3% | 28.8% | ||
| Q3 25 | -110.5% | 30.3% | ||
| Q2 25 | -29.8% | 19.7% | ||
| Q1 25 | 247.3% | 41.7% | ||
| Q4 24 | -964.7% | 21.7% | ||
| Q3 24 | -95.6% | 27.2% | ||
| Q2 24 | -269.2% | 11.9% |
| Q1 26 | — | — | ||
| Q4 25 | 2.2% | 0.8% | ||
| Q3 25 | 0.3% | 0.3% | ||
| Q2 25 | 0.3% | 1.1% | ||
| Q1 25 | 0.1% | 0.9% | ||
| Q4 24 | 0.4% | 0.3% | ||
| Q3 24 | 0.0% | 0.4% | ||
| Q2 24 | 0.1% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | -15.46× | 1.41× | ||
| Q3 25 | -3.84× | 3.49× | ||
| Q2 25 | -0.96× | 5.36× | ||
| Q1 25 | 13.97× | 40.77× | ||
| Q4 24 | -43.39× | 0.14× | ||
| Q3 24 | -5.68× | 8.12× | ||
| Q2 24 | -11.12× | 11.98× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
