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PennyMac Financial Services, Inc.（PFSI）与Sylvamo Corp（SLVM）财务数据对比。点击上方公司名可切换其他公司
Sylvamo Corp的季度营收约是PennyMac Financial Services, Inc.的1.4倍（$755.0M vs $538.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs -0.4%，领先1752.9%），PennyMac Financial Services, Inc.同比增速更快（14.4% vs -8.0%），Sylvamo Corp自由现金流更多（$-59.0M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs -10.0%）
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。
西尔瓦莫公司是全球领先的可持续纸浆与纸品生产商，核心产品包括非涂布印刷纸、包装纸及商用纸浆，业务覆盖北美、欧洲、拉美地区，服务办公耗材、出版、商业印刷、包装等多个领域。
PFSI vs SLVM — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $755.0M |
| 净利润 | $106.8M | $-3.0M |
| 毛利率 | — | — |
| 营业利润率 | 25.0% | — |
| 净利率 | 1752.5% | -0.4% |
| 营收同比 | 14.4% | -8.0% |
| 净利润同比 | 2.2% | — |
| 每股收益（稀释后） | $1.97 | $-0.08 |
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
| Q1 26 | — | $755.0M | ||
| Q4 25 | $538.0M | $890.0M | ||
| Q3 25 | $632.9M | $846.0M | ||
| Q2 25 | $444.7M | $794.0M | ||
| Q1 25 | $430.9M | $821.0M | ||
| Q4 24 | $470.1M | $970.0M | ||
| Q3 24 | $411.8M | $965.0M | ||
| Q2 24 | $406.1M | $933.0M |
| Q1 26 | — | $-3.0M | ||
| Q4 25 | $106.8M | $33.0M | ||
| Q3 25 | $181.5M | $57.0M | ||
| Q2 25 | $136.5M | $15.0M | ||
| Q1 25 | $76.3M | $27.0M | ||
| Q4 24 | $104.5M | $81.0M | ||
| Q3 24 | $69.4M | $95.0M | ||
| Q2 24 | $98.3M | $83.0M |
| Q1 26 | — | — | ||
| Q4 25 | 25.0% | 8.9% | ||
| Q3 25 | 37.3% | 11.6% | ||
| Q2 25 | 17.2% | 3.8% | ||
| Q1 25 | 24.2% | 5.4% | ||
| Q4 24 | 27.5% | 11.2% | ||
| Q3 24 | 22.8% | 15.5% | ||
| Q2 24 | 33.0% | 13.1% |
| Q1 26 | — | -0.4% | ||
| Q4 25 | 1752.5% | 3.7% | ||
| Q3 25 | 28.7% | 6.7% | ||
| Q2 25 | 30.7% | 1.9% | ||
| Q1 25 | 17.7% | 3.3% | ||
| Q4 24 | 2559.8% | 8.4% | ||
| Q3 24 | 16.8% | 9.8% | ||
| Q2 24 | 24.2% | 8.9% |
| Q1 26 | — | $-0.08 | ||
| Q4 25 | $1.97 | $0.81 | ||
| Q3 25 | $3.37 | $1.41 | ||
| Q2 25 | $2.54 | $0.37 | ||
| Q1 25 | $1.42 | $0.65 | ||
| Q4 24 | $1.95 | $1.91 | ||
| Q3 24 | $1.30 | $2.27 | ||
| Q2 24 | $1.85 | $1.98 |
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 | — |
| 总债务越低越好 | $6.2B | $766.0M |
| 股东权益账面价值 | $4.3B | $979.0M |
| 总资产 | $29.4B | $2.8B |
| 负债/权益比越低杠杆越低 | 1.45× | 0.78× |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $410.0M | $198.0M | ||
| Q3 25 | $62.2M | $146.0M | ||
| Q2 25 | $462.3M | $183.0M | ||
| Q1 25 | $443.4M | $220.0M | ||
| Q4 24 | $420.6M | $309.0M | ||
| Q3 24 | $667.9M | $414.0M | ||
| Q2 24 | $188.8M | $213.0M |
| Q1 26 | — | $766.0M | ||
| Q4 25 | $6.2B | $763.0M | ||
| Q3 25 | $6.2B | $778.0M | ||
| Q2 25 | $5.6B | $767.0M | ||
| Q1 25 | $5.8B | $794.0M | ||
| Q4 24 | $5.3B | $782.0M | ||
| Q3 24 | $4.9B | $883.0M | ||
| Q2 24 | $4.9B | $894.0M |
| Q1 26 | — | $979.0M | ||
| Q4 25 | $4.3B | $966.0M | ||
| Q3 25 | $4.2B | $977.0M | ||
| Q2 25 | $4.0B | $959.0M | ||
| Q1 25 | $3.9B | $908.0M | ||
| Q4 24 | $3.8B | $847.0M | ||
| Q3 24 | $3.7B | $937.0M | ||
| Q2 24 | $3.7B | $830.0M |
| Q1 26 | — | $2.8B | ||
| Q4 25 | $29.4B | $2.8B | ||
| Q3 25 | $25.4B | $2.7B | ||
| Q2 25 | $24.2B | $2.7B | ||
| Q1 25 | $23.9B | $2.6B | ||
| Q4 24 | $26.1B | $2.6B | ||
| Q3 24 | $22.9B | $2.9B | ||
| Q2 24 | $21.6B | $2.7B |
| Q1 26 | — | 0.78× | ||
| Q4 25 | 1.45× | 0.79× | ||
| Q3 25 | 1.48× | 0.80× | ||
| Q2 25 | 1.38× | 0.80× | ||
| Q1 25 | 1.48× | 0.87× | ||
| Q4 24 | 1.37× | 0.92× | ||
| Q3 24 | 1.32× | 0.94× | ||
| Q2 24 | 1.35× | 1.08× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | $-59.0M |
| 自由现金流率自由现金流/营收 | -309.3% | -7.8% |
| 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 | $10.0M |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $-1.7B | $94.0M | ||
| Q3 25 | $-697.4M | $87.0M | ||
| Q2 25 | $-131.3M | $64.0M | ||
| Q1 25 | $1.1B | $23.0M | ||
| Q4 24 | $-4.5B | $164.0M | ||
| Q3 24 | $-393.7M | $163.0M | ||
| Q2 24 | $-1.1B | $115.0M |
| Q1 26 | — | $-59.0M | ||
| Q4 25 | $-1.7B | $38.0M | ||
| Q3 25 | $-699.4M | $33.0M | ||
| Q2 25 | $-132.6M | $-2.0M | ||
| Q1 25 | $1.1B | $-25.0M | ||
| Q4 24 | $-4.5B | $100.0M | ||
| Q3 24 | $-393.9M | $119.0M | ||
| Q2 24 | $-1.1B | $62.0M |
| Q1 26 | — | -7.8% | ||
| Q4 25 | -309.3% | 4.3% | ||
| Q3 25 | -110.5% | 3.9% | ||
| Q2 25 | -29.8% | -0.3% | ||
| Q1 25 | 247.3% | -3.0% | ||
| Q4 24 | -964.7% | 10.3% | ||
| Q3 24 | -95.6% | 12.3% | ||
| Q2 24 | -269.2% | 6.6% |
| Q1 26 | — | — | ||
| Q4 25 | 2.2% | 6.3% | ||
| Q3 25 | 0.3% | 6.4% | ||
| Q2 25 | 0.3% | 8.3% | ||
| Q1 25 | 0.1% | 5.8% | ||
| Q4 24 | 0.4% | 6.6% | ||
| Q3 24 | 0.0% | 4.6% | ||
| Q2 24 | 0.1% | 5.7% |
| Q1 26 | — | — | ||
| Q4 25 | -15.46× | 2.85× | ||
| Q3 25 | -3.84× | 1.53× | ||
| Q2 25 | -0.96× | 4.27× | ||
| Q1 25 | 13.97× | 0.85× | ||
| Q4 24 | -43.39× | 2.02× | ||
| Q3 24 | -5.68× | 1.72× | ||
| Q2 24 | -11.12× | 1.39× |
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
SLVM
| North America | $390.0M | 52% |
| Europe | $190.0M | 25% |
| Latin America | $187.0M | 25% |
