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PennyMac Financial Services, Inc.（PFSI）与SHOE CARNIVAL INC（SCVL）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SHOE CARNIVAL INC的1.8倍（$538.0M vs $297.2M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 4.9%，领先1747.5%），PennyMac Financial Services, Inc.同比增速更快（14.4% vs -3.2%），SHOE CARNIVAL INC自由现金流更多（$19.7M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 3.0%）
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。
Shoe Carnival Inc是一家美国家庭鞋类零售商，目前在美国中西部、南部、东南部地区以及波多黎各共开设了429家门店。该公司由大卫·拉塞尔于1978年创立，截至2025年，其总部位于南卡罗来纳州福特米尔。
PFSI vs SCVL — 直观对比
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $297.2M |
| 净利润 | $106.8M | $14.6M |
| 毛利率 | — | 37.6% |
| 营业利润率 | 25.0% | 6.3% |
| 净利率 | 1752.5% | 4.9% |
| 营收同比 | 14.4% | -3.2% |
| 净利润同比 | 2.2% | -23.9% |
| 每股收益（稀释后） | $1.97 | $0.53 |
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 | $297.2M | ||
| Q3 25 | $632.9M | $306.4M | ||
| Q2 25 | $444.7M | $277.7M | ||
| Q1 25 | $430.9M | $262.9M | ||
| Q4 24 | $470.1M | $306.9M | ||
| Q3 24 | $411.8M | $332.7M | ||
| Q2 24 | $406.1M | $300.4M | ||
| Q1 24 | $305.7M | $280.2M |
| Q4 25 | $106.8M | $14.6M | ||
| Q3 25 | $181.5M | $19.2M | ||
| Q2 25 | $136.5M | $9.3M | ||
| Q1 25 | $76.3M | $14.7M | ||
| Q4 24 | $104.5M | $19.2M | ||
| Q3 24 | $69.4M | $22.6M | ||
| Q2 24 | $98.3M | $17.3M | ||
| Q1 24 | $39.3M | $15.5M |
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 38.8% | ||
| Q2 25 | — | 34.5% | ||
| Q1 25 | — | 34.9% | ||
| Q4 24 | — | 36.0% | ||
| Q3 24 | — | 36.1% | ||
| Q2 24 | — | 35.6% | ||
| Q1 24 | — | 35.6% |
| Q4 25 | 25.0% | 6.3% | ||
| Q3 25 | 37.3% | 8.2% | ||
| Q2 25 | 17.2% | 4.3% | ||
| Q1 25 | 24.2% | 5.3% | ||
| Q4 24 | 27.5% | 8.0% | ||
| Q3 24 | 22.8% | 9.0% | ||
| Q2 24 | 33.0% | 7.5% | ||
| Q1 24 | 14.4% | 7.1% |
| Q4 25 | 1752.5% | 4.9% | ||
| Q3 25 | 28.7% | 6.3% | ||
| Q2 25 | 30.7% | 3.4% | ||
| Q1 25 | 17.7% | 5.6% | ||
| Q4 24 | 2559.8% | 6.3% | ||
| Q3 24 | 16.8% | 6.8% | ||
| Q2 24 | 24.2% | 5.8% | ||
| Q1 24 | 12.9% | 5.5% |
| Q4 25 | $1.97 | $0.53 | ||
| Q3 25 | $3.37 | $0.70 | ||
| Q2 25 | $2.54 | $0.34 | ||
| Q1 25 | $1.42 | $0.53 | ||
| Q4 24 | $1.95 | $0.70 | ||
| Q3 24 | $1.30 | $0.82 | ||
| Q2 24 | $1.85 | $0.63 | ||
| Q1 24 | $0.74 | $0.57 |
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 | $107.7M |
| 总债务越低越好 | $6.2B | — |
| 股东权益账面价值 | $4.3B | $683.2M |
| 总资产 | $29.4B | $1.2B |
| 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 | $107.7M | ||
| Q3 25 | $62.2M | $91.9M | ||
| Q2 25 | $462.3M | $93.0M | ||
| Q1 25 | $443.4M | $123.1M | ||
| Q4 24 | $420.6M | $91.1M | ||
| Q3 24 | $667.9M | $84.5M | ||
| Q2 24 | $188.8M | $69.5M | ||
| Q1 24 | $69.0K | $111.2M |
| 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 | $683.2M | ||
| Q3 25 | $4.2B | $670.7M | ||
| Q2 25 | $4.0B | $653.6M | ||
| Q1 25 | $3.9B | $649.0M | ||
| Q4 24 | $3.8B | $635.7M | ||
| Q3 24 | $3.7B | $618.5M | ||
| Q2 24 | $3.7B | $597.8M | ||
| Q1 24 | $3.6B | $583.4M |
| Q4 25 | $29.4B | $1.2B | ||
| Q3 25 | $25.4B | $1.2B | ||
| Q2 25 | $24.2B | $1.1B | ||
| Q1 25 | $23.9B | $1.1B | ||
| Q4 24 | $26.1B | $1.1B | ||
| Q3 24 | $22.9B | $1.1B | ||
| Q2 24 | $21.6B | $1.1B | ||
| Q1 24 | $19.8B | $1.0B |
| 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 | $33.6M |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | $19.7M |
| 自由现金流率自由现金流/营收 | -309.3% | 6.6% |
| 资本支出强度资本支出/营收 | 2.2% | 4.7% |
| 现金转化率经营现金流/净利润 | -15.46× | 2.30× |
| 过去12个月自由现金流最近4个季度 | $-1.4B | $35.1M |
8季度趋势，按日历期对齐
| Q4 25 | $-1.7B | $33.6M | ||
| Q3 25 | $-697.4M | $13.3M | ||
| Q2 25 | $-131.3M | $-9.6M | ||
| Q1 25 | $1.1B | $44.5M | ||
| Q4 24 | $-4.5B | $17.3M | ||
| Q3 24 | $-393.7M | $23.7M | ||
| Q2 24 | $-1.1B | $17.1M | ||
| Q1 24 | $-897.9M | $53.4M |
| Q4 25 | $-1.7B | $19.7M | ||
| Q3 25 | $-699.4M | $2.2M | ||
| Q2 25 | $-132.6M | $-23.0M | ||
| Q1 25 | $1.1B | $36.2M | ||
| Q4 24 | $-4.5B | $8.3M | ||
| Q3 24 | $-393.9M | $18.2M | ||
| Q2 24 | $-1.1B | $6.9M | ||
| Q1 24 | $-898.9M | $40.7M |
| Q4 25 | -309.3% | 6.6% | ||
| Q3 25 | -110.5% | 0.7% | ||
| Q2 25 | -29.8% | -8.3% | ||
| Q1 25 | 247.3% | 13.8% | ||
| Q4 24 | -964.7% | 2.7% | ||
| Q3 24 | -95.6% | 5.5% | ||
| Q2 24 | -269.2% | 2.3% | ||
| Q1 24 | -294.1% | 14.5% |
| Q4 25 | 2.2% | 4.7% | ||
| Q3 25 | 0.3% | 3.6% | ||
| Q2 25 | 0.3% | 4.8% | ||
| Q1 25 | 0.1% | 3.2% | ||
| Q4 24 | 0.4% | 3.0% | ||
| Q3 24 | 0.0% | 1.7% | ||
| Q2 24 | 0.1% | 3.4% | ||
| Q1 24 | 0.3% | 4.5% |
| Q4 25 | -15.46× | 2.30× | ||
| Q3 25 | -3.84× | 0.69× | ||
| Q2 25 | -0.96× | -1.03× | ||
| Q1 25 | 13.97× | 3.04× | ||
| Q4 24 | -43.39× | 0.90× | ||
| Q3 24 | -5.68× | 1.05× | ||
| Q2 24 | -11.12× | 0.99× | ||
| Q1 24 | -22.84× | 3.44× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
