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PennyMac Financial Services, Inc.（PFSI）与Rubrik, Inc.（RBRK）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Rubrik, Inc.的1.5倍（$538.0M vs $350.2M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs -18.2%，领先1770.7%），Rubrik, Inc.同比增速更快（48.3% vs 14.4%），Rubrik, Inc.自由现金流更多（$80.7M vs $-1.7B）
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。
Rubrik是总部位于美国加利福尼亚州帕洛阿尔托的云数据管理与数据安全企业，成立于2014年1月，专注于为客户提供云环境下的数据管理、安全防护相关解决方案，2024年4月在纽约证券交易所上市。
PFSI vs RBRK — 直观对比
营收规模更大
PFSI
是对方的1.5倍
$350.2M
营收增速更快
RBRK
高出33.8%
14.4%
净利率更高
PFSI
高出1770.7%
-18.2%
自由现金流更多
RBRK
多$1.7B
$-1.7B
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $350.2M |
| 净利润 | $106.8M | $-63.8M |
| 毛利率 | — | 80.5% |
| 营业利润率 | 25.0% | -21.6% |
| 净利率 | 1752.5% | -18.2% |
| 营收同比 | 14.4% | 48.3% |
| 净利润同比 | 2.2% | 51.2% |
| 每股收益（稀释后） | $1.97 | $-0.32 |
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PFSIRBRK
| Q4 25 | $538.0M | $350.2M | ||
| Q3 25 | $632.9M | $309.9M | ||
| Q2 25 | $444.7M | $278.5M | ||
| Q1 25 | $430.9M | $258.1M | ||
| Q4 24 | $470.1M | $236.2M | ||
| Q3 24 | $411.8M | $205.0M | ||
| Q2 24 | $406.1M | $187.3M | ||
| Q1 24 | $305.7M | — |
净利润PFSIRBRK
| Q4 25 | $106.8M | $-63.8M | ||
| Q3 25 | $181.5M | $-95.9M | ||
| Q2 25 | $136.5M | $-102.1M | ||
| Q1 25 | $76.3M | $-114.9M | ||
| Q4 24 | $104.5M | $-130.9M | ||
| Q3 24 | $69.4M | $-176.9M | ||
| Q2 24 | $98.3M | $-732.1M | ||
| Q1 24 | $39.3M | — |
毛利率PFSIRBRK
| Q4 25 | — | 80.5% | ||
| Q3 25 | — | 79.5% | ||
| Q2 25 | — | 78.3% | ||
| Q1 25 | — | 77.4% | ||
| Q4 24 | — | 76.2% | ||
| Q3 24 | — | 73.1% | ||
| Q2 24 | — | 48.8% | ||
| Q1 24 | — | — |
营业利润率PFSIRBRK
| Q4 25 | 25.0% | -21.6% | ||
| Q3 25 | 37.3% | -30.5% | ||
| Q2 25 | 17.2% | -33.4% | ||
| Q1 25 | 24.2% | -45.0% | ||
| Q4 24 | 27.5% | -52.8% | ||
| Q3 24 | 22.8% | -82.1% | ||
| Q2 24 | 33.0% | -387.0% | ||
| Q1 24 | 14.4% | — |
净利率PFSIRBRK
| Q4 25 | 1752.5% | -18.2% | ||
| Q3 25 | 28.7% | -31.0% | ||
| Q2 25 | 30.7% | -36.7% | ||
| Q1 25 | 17.7% | -44.5% | ||
| Q4 24 | 2559.8% | -55.4% | ||
| Q3 24 | 16.8% | -86.3% | ||
| Q2 24 | 24.2% | -390.8% | ||
| Q1 24 | 12.9% | — |
每股收益（稀释后）PFSIRBRK
| Q4 25 | $1.97 | $-0.32 | ||
| Q3 25 | $3.37 | $-0.49 | ||
| Q2 25 | $2.54 | $-0.53 | ||
| Q1 25 | $1.42 | $5.69 | ||
| Q4 24 | $1.95 | $-0.71 | ||
| Q3 24 | $1.30 | $-0.98 | ||
| Q2 24 | $1.85 | $-11.48 | ||
| Q1 24 | $0.74 | — |
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 | $307.1M |
| 总债务越低越好 | $6.2B | — |
| 股东权益账面价值 | $4.3B | $-524.4M |
| 总资产 | $29.4B | $2.5B |
| 负债/权益比越低杠杆越低 | 1.45× | — |
8季度趋势，按日历期对齐
现金及短期投资PFSIRBRK
| Q4 25 | $410.0M | $307.1M | ||
| Q3 25 | $62.2M | $322.7M | ||
| Q2 25 | $462.3M | $284.0M | ||
| Q1 25 | $443.4M | $186.3M | ||
| Q4 24 | $420.6M | $103.9M | ||
| Q3 24 | $667.9M | $142.3M | ||
| Q2 24 | $188.8M | $502.6M | ||
| Q1 24 | $69.0K | — |
总债务PFSIRBRK
| 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 24 | $4.5B | — |
股东权益PFSIRBRK
| Q4 25 | $4.3B | $-524.4M | ||
| Q3 25 | $4.2B | $-564.3M | ||
| Q2 25 | $4.0B | $-556.5M | ||
| Q1 25 | $3.9B | $-553.7M | ||
| Q4 24 | $3.8B | $-521.1M | ||
| Q3 24 | $3.7B | $-499.3M | ||
| Q2 24 | $3.7B | $-514.6M | ||
| Q1 24 | $3.6B | — |
总资产PFSIRBRK
| Q4 25 | $29.4B | $2.5B | ||
| Q3 25 | $25.4B | $2.4B | ||
| Q2 25 | $24.2B | $1.5B | ||
| Q1 25 | $23.9B | $1.4B | ||
| Q4 24 | $26.1B | $1.3B | ||
| Q3 24 | $22.9B | $1.2B | ||
| Q2 24 | $21.6B | $1.2B | ||
| Q1 24 | $19.8B | — |
负债/权益比PFSIRBRK
| 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× | — | ||
| Q1 24 | 1.27× | — |
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 | $85.5M |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | $80.7M |
| 自由现金流率自由现金流/营收 | -309.3% | 23.1% |
| 资本支出强度资本支出/营收 | 2.2% | 1.4% |
| 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 | $256.8M |
8季度趋势，按日历期对齐
经营现金流PFSIRBRK
| Q4 25 | $-1.7B | $85.5M | ||
| Q3 25 | $-697.4M | $64.7M | ||
| Q2 25 | $-131.3M | $39.7M | ||
| Q1 25 | $1.1B | $83.6M | ||
| Q4 24 | $-4.5B | $23.1M | ||
| Q3 24 | $-393.7M | $-27.1M | ||
| Q2 24 | $-1.1B | $-31.4M | ||
| Q1 24 | $-897.9M | — |
自由现金流PFSIRBRK
| Q4 25 | $-1.7B | $80.7M | ||
| Q3 25 | $-699.4M | $61.2M | ||
| Q2 25 | $-132.6M | $36.8M | ||
| Q1 25 | $1.1B | $78.0M | ||
| Q4 24 | $-4.5B | $18.0M | ||
| Q3 24 | $-393.9M | $-29.7M | ||
| Q2 24 | $-1.1B | $-35.0M | ||
| Q1 24 | $-898.9M | — |
自由现金流率PFSIRBRK
| Q4 25 | -309.3% | 23.1% | ||
| Q3 25 | -110.5% | 19.8% | ||
| Q2 25 | -29.8% | 13.2% | ||
| Q1 25 | 247.3% | 30.2% | ||
| Q4 24 | -964.7% | 7.6% | ||
| Q3 24 | -95.6% | -14.5% | ||
| Q2 24 | -269.2% | -18.7% | ||
| Q1 24 | -294.1% | — |
资本支出强度PFSIRBRK
| Q4 25 | 2.2% | 1.4% | ||
| Q3 25 | 0.3% | 1.1% | ||
| Q2 25 | 0.3% | 1.0% | ||
| Q1 25 | 0.1% | 2.2% | ||
| Q4 24 | 0.4% | 2.1% | ||
| Q3 24 | 0.0% | 1.3% | ||
| Q2 24 | 0.1% | 1.9% | ||
| Q1 24 | 0.3% | — |
现金转化率PFSIRBRK
| Q4 25 | -15.46× | — | ||
| Q3 25 | -3.84× | — | ||
| Q2 25 | -0.96× | — | ||
| Q1 25 | 13.97× | — | ||
| Q4 24 | -43.39× | — | ||
| Q3 24 | -5.68× | — | ||
| Q2 24 | -11.12× | — | ||
| 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
RBRK
| Subscription And Circulation | $336.4M | 96% |
| Other | $12.3M | 4% |
| Software And Services | $4.9M | 1% |
| Maintenance | $1.5M | 0% |
