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PennyMac Financial Services, Inc.（PFSI）与Reddit, Inc.（RDDT）财务数据对比。点击上方公司名可切换其他公司
Reddit, Inc.的季度营收约是PennyMac Financial Services, Inc.的1.3倍（$725.6M vs $538.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 34.7%，领先1717.8%），Reddit, Inc.同比增速更快（69.7% vs 14.4%），Reddit, Inc.自由现金流更多（$263.6M vs $-1.7B），过去两年Reddit, Inc.的营收复合增速更高（72.8% vs 32.7%）
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。
Reddit是美国知名的社交新闻聚合与论坛类社交媒体平台，注册用户可发布链接、文字帖、图片、视频等各类内容，其他用户可对内容进行点赞或点踩，内容按主题归类到用户创建的子板块中，获赞更高的内容会排在板块前列，热度足够的内容还将展示在全站首页。
PFSI vs RDDT — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $725.6M |
| 净利润 | $106.8M | $251.6M |
| 毛利率 | — | 91.9% |
| 营业利润率 | 25.0% | 31.9% |
| 净利率 | 1752.5% | 34.7% |
| 营收同比 | 14.4% | 69.7% |
| 净利润同比 | 2.2% | 254.2% |
| 每股收益（稀释后） | $1.97 | $1.24 |
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 | $725.6M | ||
| Q3 25 | $632.9M | $584.9M | ||
| Q2 25 | $444.7M | $499.6M | ||
| Q1 25 | $430.9M | $392.4M | ||
| Q4 24 | $470.1M | $427.7M | ||
| Q3 24 | $411.8M | $348.4M | ||
| Q2 24 | $406.1M | $281.2M | ||
| Q1 24 | $305.7M | $243.0M |
| Q4 25 | $106.8M | $251.6M | ||
| Q3 25 | $181.5M | $162.7M | ||
| Q2 25 | $136.5M | $89.3M | ||
| Q1 25 | $76.3M | $26.2M | ||
| Q4 24 | $104.5M | $71.0M | ||
| Q3 24 | $69.4M | $29.9M | ||
| Q2 24 | $98.3M | $-10.1M | ||
| Q1 24 | $39.3M | $-575.1M |
| Q4 25 | — | 91.9% | ||
| Q3 25 | — | 91.0% | ||
| Q2 25 | — | 90.8% | ||
| Q1 25 | — | 90.5% | ||
| Q4 24 | — | 92.6% | ||
| Q3 24 | — | 90.1% | ||
| Q2 24 | — | 89.5% | ||
| Q1 24 | — | 88.6% |
| Q4 25 | 25.0% | 31.9% | ||
| Q3 25 | 37.3% | 23.7% | ||
| Q2 25 | 17.2% | 13.6% | ||
| Q1 25 | 24.2% | 1.0% | ||
| Q4 24 | 27.5% | 12.4% | ||
| Q3 24 | 22.8% | 2.0% | ||
| Q2 24 | 33.0% | -11.0% | ||
| Q1 24 | 14.4% | -242.5% |
| Q4 25 | 1752.5% | 34.7% | ||
| Q3 25 | 28.7% | 27.8% | ||
| Q2 25 | 30.7% | 17.9% | ||
| Q1 25 | 17.7% | 6.7% | ||
| Q4 24 | 2559.8% | 16.6% | ||
| Q3 24 | 16.8% | 8.6% | ||
| Q2 24 | 24.2% | -3.6% | ||
| Q1 24 | 12.9% | -236.7% |
| Q4 25 | $1.97 | $1.24 | ||
| Q3 25 | $3.37 | $0.80 | ||
| Q2 25 | $2.54 | $0.45 | ||
| Q1 25 | $1.42 | $0.13 | ||
| Q4 24 | $1.95 | $4.76 | ||
| Q3 24 | $1.30 | $0.16 | ||
| Q2 24 | $1.85 | $-0.06 | ||
| Q1 24 | $0.74 | $-8.19 |
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 | $953.6M |
| 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 | $3.2B |
| 负债/权益比越低杠杆越低 | 1.45× | — |
8季度趋势，按日历期对齐
| Q4 25 | $410.0M | $953.6M | ||
| Q3 25 | $62.2M | $911.7M | ||
| Q2 25 | $462.3M | $734.1M | ||
| Q1 25 | $443.4M | $635.7M | ||
| Q4 24 | $420.6M | $562.1M | ||
| Q3 24 | $667.9M | $515.9M | ||
| Q2 24 | $188.8M | $468.0M | ||
| Q1 24 | $69.0K | $968.5M |
| 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 | — |
| Q4 25 | $4.3B | $2.9B | ||
| Q3 25 | $4.2B | $2.6B | ||
| Q2 25 | $4.0B | $2.4B | ||
| Q1 25 | $3.9B | $2.2B | ||
| Q4 24 | $3.8B | $2.1B | ||
| Q3 24 | $3.7B | $2.0B | ||
| Q2 24 | $3.7B | $1.9B | ||
| Q1 24 | $3.6B | $1.8B |
| Q4 25 | $29.4B | $3.2B | ||
| Q3 25 | $25.4B | $2.9B | ||
| Q2 25 | $24.2B | $2.6B | ||
| Q1 25 | $23.9B | $2.4B | ||
| Q4 24 | $26.1B | $2.3B | ||
| Q3 24 | $22.9B | $2.2B | ||
| Q2 24 | $21.6B | $2.1B | ||
| Q1 24 | $19.8B | $2.0B |
| 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 | $266.8M |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | $263.6M |
| 自由现金流率自由现金流/营收 | -309.3% | 36.3% |
| 资本支出强度资本支出/营收 | 2.2% | 0.4% |
| 现金转化率经营现金流/净利润 | -15.46× | 1.06× |
| 过去12个月自由现金流最近4个季度 | $-1.4B | $684.2M |
8季度趋势，按日历期对齐
| Q4 25 | $-1.7B | $266.8M | ||
| Q3 25 | $-697.4M | $185.2M | ||
| Q2 25 | $-131.3M | $111.3M | ||
| Q1 25 | $1.1B | $127.6M | ||
| Q4 24 | $-4.5B | $90.0M | ||
| Q3 24 | $-393.7M | $71.6M | ||
| Q2 24 | $-1.1B | $28.4M | ||
| Q1 24 | $-897.9M | $32.1M |
| Q4 25 | $-1.7B | $263.6M | ||
| Q3 25 | $-699.4M | $183.1M | ||
| Q2 25 | $-132.6M | $110.8M | ||
| Q1 25 | $1.1B | $126.6M | ||
| Q4 24 | $-4.5B | $89.2M | ||
| Q3 24 | $-393.9M | $70.3M | ||
| Q2 24 | $-1.1B | $27.2M | ||
| Q1 24 | $-898.9M | $29.2M |
| Q4 25 | -309.3% | 36.3% | ||
| Q3 25 | -110.5% | 31.3% | ||
| Q2 25 | -29.8% | 22.2% | ||
| Q1 25 | 247.3% | 32.3% | ||
| Q4 24 | -964.7% | 20.8% | ||
| Q3 24 | -95.6% | 20.2% | ||
| Q2 24 | -269.2% | 9.7% | ||
| Q1 24 | -294.1% | 12.0% |
| Q4 25 | 2.2% | 0.4% | ||
| Q3 25 | 0.3% | 0.4% | ||
| Q2 25 | 0.3% | 0.1% | ||
| Q1 25 | 0.1% | 0.2% | ||
| Q4 24 | 0.4% | 0.2% | ||
| Q3 24 | 0.0% | 0.4% | ||
| Q2 24 | 0.1% | 0.4% | ||
| Q1 24 | 0.3% | 1.2% |
| Q4 25 | -15.46× | 1.06× | ||
| Q3 25 | -3.84× | 1.14× | ||
| Q2 25 | -0.96× | 1.25× | ||
| Q1 25 | 13.97× | 4.88× | ||
| Q4 24 | -43.39× | 1.27× | ||
| Q3 24 | -5.68× | 2.40× | ||
| 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
RDDT
| Advertising | $689.7M | 95% |
| Other Revenue | $35.9M | 5% |
