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PennyMac Financial Services, Inc.（PFSI）与RAYONIER ADVANCED MATERIALS INC.（RYAM）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RAYONIER ADVANCED MATERIALS INC.的1.3倍（$538.0M vs $417.5M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs -5.0%，领先1757.5%），PennyMac Financial Services, Inc.同比增速更快（14.4% vs -1.2%），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 3.8%）
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。
RYAM（原雷尼尔先进材料公司）是一家美国全球性纤维素技术企业，主打高纯度特种纤维素产品，所生产的天然聚合物广泛应用于过滤器生产、食品加工、医药制造及各类工业领域，同时也为造纸和包装行业供应相关产品，在纤维素技术领域拥有较高的行业认可度。
PFSI vs RYAM — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $417.5M |
| 净利润 | $106.8M | $-21.1M |
| 毛利率 | — | 8.9% |
| 营业利润率 | 25.0% | 2.6% |
| 净利率 | 1752.5% | -5.0% |
| 营收同比 | 14.4% | -1.2% |
| 净利润同比 | 2.2% | -31.9% |
| 每股收益（稀释后） | $1.97 | $-0.33 |
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 | $417.5M | ||
| Q3 25 | $632.9M | $352.8M | ||
| Q2 25 | $444.7M | $340.0M | ||
| Q1 25 | $430.9M | $356.0M | ||
| Q4 24 | $470.1M | $422.5M | ||
| Q3 24 | $411.8M | $401.1M | ||
| Q2 24 | $406.1M | $419.0M | ||
| Q1 24 | $305.7M | $387.7M |
| Q4 25 | $106.8M | $-21.1M | ||
| Q3 25 | $181.5M | $-4.5M | ||
| Q2 25 | $136.5M | $-363.2M | ||
| Q1 25 | $76.3M | $-32.0M | ||
| Q4 24 | $104.5M | $-16.0M | ||
| Q3 24 | $69.4M | $-32.6M | ||
| Q2 24 | $98.3M | $11.4M | ||
| Q1 24 | $39.3M | $-1.6M |
| Q4 25 | — | 8.9% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | — | 10.9% | ||
| Q2 24 | — | 11.5% | ||
| Q1 24 | — | 9.5% |
| Q4 25 | 25.0% | 2.6% | ||
| Q3 25 | 37.3% | 2.8% | ||
| Q2 25 | 17.2% | -0.4% | ||
| Q1 25 | 24.2% | -4.2% | ||
| Q4 24 | 27.5% | 2.6% | ||
| Q3 24 | 22.8% | -4.2% | ||
| Q2 24 | 33.0% | 6.7% | ||
| Q1 24 | 14.4% | 4.4% |
| Q4 25 | 1752.5% | -5.0% | ||
| Q3 25 | 28.7% | -1.3% | ||
| Q2 25 | 30.7% | -106.8% | ||
| Q1 25 | 17.7% | -9.0% | ||
| Q4 24 | 2559.8% | -3.8% | ||
| Q3 24 | 16.8% | -8.1% | ||
| Q2 24 | 24.2% | 2.7% | ||
| Q1 24 | 12.9% | -0.4% |
| Q4 25 | $1.97 | $-0.33 | ||
| Q3 25 | $3.37 | $-0.07 | ||
| Q2 25 | $2.54 | $-5.44 | ||
| Q1 25 | $1.42 | $-0.49 | ||
| Q4 24 | $1.95 | $-0.25 | ||
| Q3 24 | $1.30 | $-0.49 | ||
| Q2 24 | $1.85 | $0.17 | ||
| Q1 24 | $0.74 | $-0.02 |
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 | $75.4M |
| 总债务越低越好 | $6.2B | $758.1M |
| 股东权益账面价值 | $4.3B | $316.6M |
| 总资产 | $29.4B | $1.8B |
| 负债/权益比越低杠杆越低 | 1.45× | 2.39× |
8季度趋势，按日历期对齐
| Q4 25 | $410.0M | $75.4M | ||
| Q3 25 | $62.2M | $77.0M | ||
| Q2 25 | $462.3M | $70.7M | ||
| Q1 25 | $443.4M | $129.9M | ||
| Q4 24 | $420.6M | $125.2M | ||
| Q3 24 | $667.9M | $136.1M | ||
| Q2 24 | $188.8M | $114.1M | ||
| Q1 24 | $69.0K | $54.6M |
| Q4 25 | $6.2B | $758.1M | ||
| Q3 25 | $6.2B | $763.5M | ||
| Q2 25 | $5.6B | $720.4M | ||
| Q1 25 | $5.8B | $707.0M | ||
| Q4 24 | $5.3B | $706.4M | ||
| Q3 24 | $4.9B | $747.7M | ||
| Q2 24 | $4.9B | $752.8M | ||
| Q1 24 | $4.5B | $755.6M |
| Q4 25 | $4.3B | $316.6M | ||
| Q3 25 | $4.2B | $338.2M | ||
| Q2 25 | $4.0B | $342.3M | ||
| Q1 25 | $3.9B | $688.1M | ||
| Q4 24 | $3.8B | $713.9M | ||
| Q3 24 | $3.7B | $732.7M | ||
| Q2 24 | $3.7B | $755.1M | ||
| Q1 24 | $3.6B | $741.8M |
| Q4 25 | $29.4B | $1.8B | ||
| Q3 25 | $25.4B | $1.8B | ||
| Q2 25 | $24.2B | $1.8B | ||
| Q1 25 | $23.9B | $2.1B | ||
| Q4 24 | $26.1B | $2.1B | ||
| Q3 24 | $22.9B | $2.2B | ||
| Q2 24 | $21.6B | $2.2B | ||
| Q1 24 | $19.8B | $2.1B |
| Q4 25 | 1.45× | 2.39× | ||
| Q3 25 | 1.48× | 2.26× | ||
| Q2 25 | 1.38× | 2.10× | ||
| Q1 25 | 1.48× | 1.03× | ||
| Q4 24 | 1.37× | 0.99× | ||
| Q3 24 | 1.32× | 1.02× | ||
| Q2 24 | 1.35× | 1.00× | ||
| Q1 24 | 1.27× | 1.02× |
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 | $32.3M |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | — |
| 自由现金流率自由现金流/营收 | -309.3% | — |
| 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 | — |
8季度趋势，按日历期对齐
| Q4 25 | $-1.7B | $32.3M | ||
| Q3 25 | $-697.4M | $-17.8M | ||
| Q2 25 | $-131.3M | $-30.2M | ||
| Q1 25 | $1.1B | $39.6M | ||
| Q4 24 | $-4.5B | $54.9M | ||
| Q3 24 | $-393.7M | $49.8M | ||
| Q2 24 | $-1.1B | $87.6M | ||
| Q1 24 | $-897.9M | $11.3M |
| Q4 25 | $-1.7B | — | ||
| Q3 25 | $-699.4M | — | ||
| Q2 25 | $-132.6M | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $-4.5B | — | ||
| Q3 24 | $-393.9M | — | ||
| Q2 24 | $-1.1B | — | ||
| Q1 24 | $-898.9M | — |
| Q4 25 | -309.3% | — | ||
| Q3 25 | -110.5% | — | ||
| Q2 25 | -29.8% | — | ||
| Q1 25 | 247.3% | — | ||
| Q4 24 | -964.7% | — | ||
| Q3 24 | -95.6% | — | ||
| Q2 24 | -269.2% | — | ||
| Q1 24 | -294.1% | — |
| Q4 25 | 2.2% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.3% | — |
| 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× | 7.69× | ||
| 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
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
