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PennyMac Financial Services, Inc.（PFSI）与Rocket Companies, Inc.（RKT）财务数据对比。点击上方公司名可切换其他公司
Rocket Companies, Inc.的季度营收约是PennyMac Financial Services, Inc.的441.6倍（$2.7B vs $6.1M）。PennyMac Financial Services, Inc.净利率更高（1752.5% vs 2.5%，领先1750.0%）。Rocket Companies, Inc.同比增速更快（52.2% vs 49.3%）。Rocket Companies, Inc.自由现金流更多（$-1.3B vs $-1.9B）。过去两年Rocket Companies, Inc.的营收复合增速更高（39.5% vs 29.8%）
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。
Rocket Companies, Inc.是美国金融科技及住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。公司依托旗舰子公司Rocket Mortgage跻身美国最大抵押贷款提供商行列，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
PFSI vs RKT — 直观对比
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.1M | $2.7B |
| 净利润 | $106.8M | $68.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.3% |
| 净利率 | 1752.5% | 2.5% |
| 营收同比 | 49.3% | 52.2% |
| 净利润同比 | 2.2% | 100.8% |
| 每股收益（稀释后） | $1.97 | $0.10 |
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 | $6.1M | $2.7B | ||
| Q3 25 | $4.6M | $1.6B | ||
| Q2 25 | $4.5M | $1.4B | ||
| Q1 25 | $4.9M | $1.0B | ||
| Q4 24 | $4.1M | $1.8B | ||
| Q3 24 | $3.4M | $646.9M | ||
| Q2 24 | $15.7M | $1.3B | ||
| Q1 24 | $3.6M | $1.4B |
| Q4 25 | $106.8M | $68.0M | ||
| Q3 25 | $181.5M | $-123.9M | ||
| Q2 25 | $136.5M | $-1.8M | ||
| Q1 25 | $76.3M | $-10.4M | ||
| Q4 24 | $104.5M | $33.9M | ||
| Q3 24 | $69.4M | $-22.0M | ||
| Q2 24 | $98.3M | $1.3M | ||
| Q1 24 | $39.3M | $16.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 58.9% | ||
| Q3 24 | — | -8.4% | ||
| Q2 24 | — | 47.4% | ||
| Q1 24 | — | 51.2% |
| Q4 25 | — | 6.3% | ||
| Q3 25 | — | -11.5% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | -21.5% | ||
| Q4 24 | — | 38.1% | ||
| Q3 24 | — | -76.9% | ||
| Q2 24 | — | 14.8% | ||
| Q1 24 | — | 21.6% |
| Q4 25 | 1752.5% | 2.5% | ||
| Q3 25 | 3964.7% | -7.7% | ||
| Q2 25 | 3021.8% | -0.1% | ||
| Q1 25 | 1551.0% | -1.0% | ||
| Q4 24 | 2559.8% | 1.9% | ||
| Q3 24 | 2017.7% | -3.4% | ||
| Q2 24 | 624.6% | 0.1% | ||
| Q1 24 | 1086.8% | 1.2% |
| Q4 25 | $1.97 | $0.10 | ||
| Q3 25 | $3.37 | $-0.06 | ||
| Q2 25 | $2.54 | $-0.01 | ||
| Q1 25 | $1.42 | $-0.08 | ||
| Q4 24 | $1.95 | $0.28 | ||
| Q3 24 | $1.30 | $-0.19 | ||
| Q2 24 | $1.85 | $0.01 | ||
| Q1 24 | $0.74 | $0.11 |
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 | $2.7B |
| 总债务越低越好 | $6.2B | — |
| 股东权益账面价值 | $4.3B | $22.9B |
| 总资产 | $29.4B | $60.7B |
| 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 | $2.7B | ||
| Q3 25 | $62.2M | $5.8B | ||
| Q2 25 | $462.3M | $5.1B | ||
| Q1 25 | $443.4M | $1.4B | ||
| Q4 24 | $420.6M | $1.3B | ||
| Q3 24 | $667.9M | $1.2B | ||
| Q2 24 | $188.8M | $1.3B | ||
| Q1 24 | $69.0K | $861.4M |
| 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 | $22.9B | ||
| Q3 25 | $4.2B | $8.9B | ||
| Q2 25 | $4.0B | $7.4B | ||
| Q1 25 | $3.9B | $8.6B | ||
| Q4 24 | $3.8B | $9.0B | ||
| Q3 24 | $3.7B | $8.4B | ||
| Q2 24 | $3.7B | $8.8B | ||
| Q1 24 | $3.6B | $8.6B |
| Q4 25 | $29.4B | $60.7B | ||
| Q3 25 | $25.4B | $33.6B | ||
| Q2 25 | $24.2B | $30.4B | ||
| Q1 25 | $23.9B | $25.3B | ||
| Q4 24 | $26.1B | $24.5B | ||
| Q3 24 | $22.9B | $25.1B | ||
| Q2 24 | $21.6B | $23.6B | ||
| Q1 24 | $19.8B | $22.2B |
| 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 | $-1.9B | $-1.2B |
| 自由现金流经营现金流 - 资本支出 | $-1.9B | $-1.3B |
| 自由现金流率自由现金流/营收 | -31125.7% | -47.2% |
| 资本支出强度资本支出/营收 | 134.0% | 1.5% |
| 现金转化率经营现金流/净利润 | -17.68× | -18.08× |
| 过去12个月自由现金流最近4个季度 | $-1.7B | $-4.0B |
8季度趋势，按日历期对齐
| Q4 25 | $-1.9B | $-1.2B | ||
| Q3 25 | $-697.4M | $-50.3M | ||
| Q2 25 | $-131.3M | $-1.9B | ||
| Q1 25 | $1.1B | $-797.0M | ||
| Q4 24 | $-2.1B | $1.8B | ||
| Q3 24 | $-393.7M | $-1.3B | ||
| Q2 24 | $-1.1B | $-122.3M | ||
| Q1 24 | $-897.9M | $-3.0B |
| Q4 25 | $-1.9B | $-1.3B | ||
| Q3 25 | $-699.4M | $-71.8M | ||
| Q2 25 | $-132.6M | $-1.9B | ||
| Q1 25 | $1.1B | $-811.0M | ||
| Q4 24 | $-2.1B | $1.8B | ||
| Q3 24 | $-393.9M | $-1.4B | ||
| Q2 24 | $-1.1B | $-138.3M | ||
| Q1 24 | $-898.9M | $-3.0B |
| Q4 25 | -31125.7% | -47.2% | ||
| Q3 25 | -15278.5% | -4.5% | ||
| Q2 25 | -2936.7% | -137.2% | ||
| Q1 25 | 21667.1% | -78.2% | ||
| Q4 24 | -52645.4% | 103.1% | ||
| Q3 24 | -11456.0% | -209.6% | ||
| Q2 24 | -6949.9% | -10.6% | ||
| Q1 24 | -24850.9% | -218.7% |
| Q4 25 | 134.0% | 1.5% | ||
| Q3 25 | 45.3% | 1.3% | ||
| Q2 25 | 28.9% | 1.1% | ||
| Q1 25 | 7.5% | 1.4% | ||
| Q4 24 | 6.1% | 1.1% | ||
| Q3 24 | 4.3% | 2.9% | ||
| Q2 24 | 2.5% | 1.2% | ||
| Q1 24 | 25.4% | 1.0% |
| Q4 25 | -17.68× | -18.08× | ||
| Q3 25 | -3.84× | — | ||
| Q2 25 | -0.96× | — | ||
| Q1 25 | 13.97× | — | ||
| Q4 24 | -20.56× | 54.42× | ||
| Q3 24 | -5.68× | — | ||
| Q2 24 | -11.12× | -94.46× | ||
| Q1 24 | -22.84× | -185.80× |
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
RKT
| Other | $1.4B | 51% |
| Direct To Customer Segment | $945.8M | 35% |
| Partner Network Segment | $216.7M | 8% |
| Subscription Revenue | $91.3M | 3% |
| Closing Fees | $47.1M | 2% |
| Appraisal Revenue | $10.7M | 0% |
