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PennyMac Financial Services, Inc.（PFSI）与RBC Bearings INC（RBC）财务数据对比。点击上方公司名可切换其他公司
PennyMac Financial Services, Inc.的季度营收约是RBC Bearings INC的1.2倍（$538.0M vs $461.6M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 14.6%，领先1737.9%），RBC Bearings INC同比增速更快（17.0% vs 14.4%），RBC Bearings INC自由现金流更多（$99.1M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
PFSI vs RBC — 直观对比
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $461.6M |
| 净利润 | $106.8M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | 25.0% | 22.3% |
| 净利率 | 1752.5% | 14.6% |
| 营收同比 | 14.4% | 17.0% |
| 净利润同比 | 2.2% | 16.4% |
| 每股收益（稀释后） | $1.97 | $2.13 |
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
| Q4 25 | $538.0M | $461.6M | ||
| Q3 25 | $632.9M | $455.3M | ||
| Q2 25 | $444.7M | $436.0M | ||
| Q1 25 | $430.9M | $437.7M | ||
| Q4 24 | $470.1M | $394.4M | ||
| Q3 24 | $411.8M | $397.9M | ||
| Q2 24 | $406.1M | $406.3M | ||
| Q1 24 | $305.7M | $413.7M |
| Q4 25 | $106.8M | $67.4M | ||
| Q3 25 | $181.5M | $60.0M | ||
| Q2 25 | $136.5M | $68.5M | ||
| Q1 25 | $76.3M | $72.7M | ||
| Q4 24 | $104.5M | $57.9M | ||
| Q3 24 | $69.4M | $54.2M | ||
| Q2 24 | $98.3M | $61.4M | ||
| Q1 24 | $39.3M | — |
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 45.3% | ||
| Q1 24 | — | 43.1% |
| Q4 25 | 25.0% | 22.3% | ||
| Q3 25 | 37.3% | 21.5% | ||
| Q2 25 | 17.2% | 23.2% | ||
| Q1 25 | 24.2% | 23.0% | ||
| Q4 24 | 27.5% | 21.7% | ||
| Q3 24 | 22.8% | 21.6% | ||
| Q2 24 | 33.0% | 24.0% | ||
| Q1 24 | 14.4% | 22.8% |
| Q4 25 | 1752.5% | 14.6% | ||
| Q3 25 | 28.7% | 13.2% | ||
| Q2 25 | 30.7% | 15.7% | ||
| Q1 25 | 17.7% | 16.6% | ||
| Q4 24 | 2559.8% | 14.7% | ||
| Q3 24 | 16.8% | 13.6% | ||
| Q2 24 | 24.2% | 15.1% | ||
| Q1 24 | 12.9% | — |
| Q4 25 | $1.97 | $2.13 | ||
| Q3 25 | $3.37 | $1.90 | ||
| Q2 25 | $2.54 | $2.17 | ||
| Q1 25 | $1.42 | $2.33 | ||
| Q4 24 | $1.95 | $1.82 | ||
| Q3 24 | $1.30 | $1.65 | ||
| Q2 24 | $1.85 | $1.90 | ||
| Q1 24 | $0.74 | $1.92 |
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 | $107.6M |
| 总债务越低越好 | $6.2B | $990.2M |
| 股东权益账面价值 | $4.3B | $3.3B |
| 总资产 | $29.4B | $5.1B |
| 负债/权益比越低杠杆越低 | 1.45× | 0.30× |
8季度趋势，按日历期对齐
| Q4 25 | $410.0M | $107.6M | ||
| Q3 25 | $62.2M | $91.2M | ||
| Q2 25 | $462.3M | $132.9M | ||
| Q1 25 | $443.4M | $36.8M | ||
| Q4 24 | $420.6M | — | ||
| Q3 24 | $667.9M | — | ||
| Q2 24 | $188.8M | $76.8M | ||
| Q1 24 | $69.0K | $63.5M |
| Q4 25 | $6.2B | $990.2M | ||
| Q3 25 | $6.2B | $1.1B | ||
| Q2 25 | $5.6B | $915.6M | ||
| Q1 25 | $5.8B | $920.1M | ||
| Q4 24 | $5.3B | — | ||
| Q3 24 | $4.9B | — | ||
| Q2 24 | $4.9B | — | ||
| Q1 24 | $4.5B | $1.2B |
| Q4 25 | $4.3B | $3.3B | ||
| Q3 25 | $4.2B | $3.2B | ||
| Q2 25 | $4.0B | $3.1B | ||
| Q1 25 | $3.9B | $3.0B | ||
| Q4 24 | $3.8B | $2.9B | ||
| Q3 24 | $3.7B | $2.9B | ||
| Q2 24 | $3.7B | $2.8B | ||
| Q1 24 | $3.6B | $2.8B |
| Q4 25 | $29.4B | $5.1B | ||
| Q3 25 | $25.4B | $5.1B | ||
| Q2 25 | $24.2B | $4.8B | ||
| Q1 25 | $23.9B | $4.7B | ||
| Q4 24 | $26.1B | $4.7B | ||
| Q3 24 | $22.9B | $4.7B | ||
| Q2 24 | $21.6B | $4.7B | ||
| Q1 24 | $19.8B | $4.7B |
| Q4 25 | 1.45× | 0.30× | ||
| Q3 25 | 1.48× | 0.34× | ||
| Q2 25 | 1.38× | 0.29× | ||
| Q1 25 | 1.48× | 0.30× | ||
| Q4 24 | 1.37× | — | ||
| Q3 24 | 1.32× | — | ||
| Q2 24 | 1.35× | — | ||
| Q1 24 | 1.27× | 0.43× |
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 | $122.1M |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | $99.1M |
| 自由现金流率自由现金流/营收 | -309.3% | 21.5% |
| 资本支出强度资本支出/营收 | 2.2% | 5.0% |
| 现金转化率经营现金流/净利润 | -15.46× | 1.81× |
| 过去12个月自由现金流最近4个季度 | $-1.4B | — |
8季度趋势，按日历期对齐
| Q4 25 | $-1.7B | $122.1M | ||
| Q3 25 | $-697.4M | $88.4M | ||
| Q2 25 | $-131.3M | $120.0M | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $-4.5B | $84.0M | ||
| Q3 24 | $-393.7M | — | ||
| Q2 24 | $-1.1B | $97.4M | ||
| Q1 24 | $-897.9M | — |
| Q4 25 | $-1.7B | $99.1M | ||
| Q3 25 | $-699.4M | $71.7M | ||
| Q2 25 | $-132.6M | $104.3M | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $-4.5B | $73.6M | ||
| Q3 24 | $-393.9M | — | ||
| Q2 24 | $-1.1B | $88.4M | ||
| Q1 24 | $-898.9M | — |
| Q4 25 | -309.3% | 21.5% | ||
| Q3 25 | -110.5% | 15.7% | ||
| Q2 25 | -29.8% | 23.9% | ||
| Q1 25 | 247.3% | — | ||
| Q4 24 | -964.7% | 18.7% | ||
| Q3 24 | -95.6% | — | ||
| Q2 24 | -269.2% | 21.8% | ||
| Q1 24 | -294.1% | — |
| Q4 25 | 2.2% | 5.0% | ||
| Q3 25 | 0.3% | 3.7% | ||
| Q2 25 | 0.3% | 3.6% | ||
| Q1 25 | 0.1% | 3.2% | ||
| Q4 24 | 0.4% | 2.6% | ||
| Q3 24 | 0.0% | 4.1% | ||
| Q2 24 | 0.1% | 2.2% | ||
| Q1 24 | 0.3% | — |
| Q4 25 | -15.46× | 1.81× | ||
| Q3 25 | -3.84× | 1.47× | ||
| Q2 25 | -0.96× | 1.75× | ||
| Q1 25 | 13.97× | — | ||
| Q4 24 | -43.39× | 1.45× | ||
| Q3 24 | -5.68× | — | ||
| Q2 24 | -11.12× | 1.59× | ||
| Q1 24 | -22.84× | — |
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
PFSI
暂无分部数据
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
