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PennyMac Financial Services, Inc.（PFSI）与UDR, Inc.（UDR）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UDR, Inc.的1.2倍（$538.0M vs $433.1M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 51.5%，领先1701.0%），PennyMac Financial Services, Inc.同比增速更快（14.4% vs 2.5%），UDR, Inc.自由现金流更多（$650.0M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 2.3%）
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。
UDR, Inc. 是一家总部位于美国的领先房地产投资信托基金，专注于持有、运营及翻新优质多户住宅公寓社区，业务覆盖美国主要都市圈，服务租客群体包括年轻职场人、家庭及中高收入住户。
PFSI vs UDR — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $433.1M |
| 净利润 | $106.8M | $222.9M |
| 毛利率 | — | — |
| 营业利润率 | 25.0% | 64.1% |
| 净利率 | 1752.5% | 51.5% |
| 营收同比 | 14.4% | 2.5% |
| 净利润同比 | 2.2% | 4519.2% |
| 每股收益（稀释后） | $1.97 | $0.67 |
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 | $433.1M | ||
| Q3 25 | $632.9M | $431.9M | ||
| Q2 25 | $444.7M | $425.4M | ||
| Q1 25 | $430.9M | $421.9M | ||
| Q4 24 | $470.1M | $422.7M | ||
| Q3 24 | $411.8M | $420.2M | ||
| Q2 24 | $406.1M | $415.3M | ||
| Q1 24 | $305.7M | $413.6M |
| Q4 25 | $106.8M | $222.9M | ||
| Q3 25 | $181.5M | $40.4M | ||
| Q2 25 | $136.5M | $37.7M | ||
| Q1 25 | $76.3M | $76.7M | ||
| Q4 24 | $104.5M | $-5.0M | ||
| Q3 24 | $69.4M | $22.6M | ||
| Q2 24 | $98.3M | $28.9M | ||
| Q1 24 | $39.3M | $43.1M |
| Q4 25 | 25.0% | 64.1% | ||
| Q3 25 | 37.3% | 17.7% | ||
| Q2 25 | 17.2% | 18.2% | ||
| Q1 25 | 24.2% | 29.0% | ||
| Q4 24 | 27.5% | 15.7% | ||
| Q3 24 | 22.8% | 16.6% | ||
| Q2 24 | 33.0% | 16.5% | ||
| Q1 24 | 14.4% | 19.3% |
| Q4 25 | 1752.5% | 51.5% | ||
| Q3 25 | 28.7% | 9.4% | ||
| Q2 25 | 30.7% | 8.9% | ||
| Q1 25 | 17.7% | 18.2% | ||
| Q4 24 | 2559.8% | -220.5% | ||
| Q3 24 | 16.8% | 5.4% | ||
| Q2 24 | 24.2% | 7.0% | ||
| Q1 24 | 12.9% | 10.4% |
| Q4 25 | $1.97 | $0.67 | ||
| Q3 25 | $3.37 | $0.12 | ||
| Q2 25 | $2.54 | $0.11 | ||
| Q1 25 | $1.42 | $0.23 | ||
| Q4 24 | $1.95 | $-0.01 | ||
| Q3 24 | $1.30 | $0.06 | ||
| Q2 24 | $1.85 | $0.08 | ||
| Q1 24 | $0.74 | $0.13 |
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 | $1.2M |
| 总债务越低越好 | $6.2B | $5.8B |
| 股东权益账面价值 | $4.3B | $3.3B |
| 总资产 | $29.4B | $10.6B |
| 负债/权益比越低杠杆越低 | 1.45× | 1.77× |
8季度趋势，按日历期对齐
| Q4 25 | $410.0M | $1.2M | ||
| Q3 25 | $62.2M | $1.2M | ||
| Q2 25 | $462.3M | $1.5M | ||
| Q1 25 | $443.4M | $1.3M | ||
| Q4 24 | $420.6M | $1.3M | ||
| Q3 24 | $667.9M | $2.3M | ||
| Q2 24 | $188.8M | $2.8M | ||
| Q1 24 | $69.0K | $2.1M |
| Q4 25 | $6.2B | $5.8B | ||
| Q3 25 | $6.2B | $5.8B | ||
| Q2 25 | $5.6B | $5.8B | ||
| Q1 25 | $5.8B | $5.8B | ||
| Q4 24 | $5.3B | $5.8B | ||
| Q3 24 | $4.9B | $5.9B | ||
| Q2 24 | $4.9B | $5.8B | ||
| Q1 24 | $4.5B | $5.8B |
| Q4 25 | $4.3B | $3.3B | ||
| Q3 25 | $4.2B | $3.3B | ||
| Q2 25 | $4.0B | $3.3B | ||
| Q1 25 | $3.9B | $3.3B | ||
| Q4 24 | $3.8B | $3.4B | ||
| Q3 24 | $3.7B | $3.5B | ||
| Q2 24 | $3.7B | $3.7B | ||
| Q1 24 | $3.6B | $3.9B |
| Q4 25 | $29.4B | $10.6B | ||
| Q3 25 | $25.4B | $10.6B | ||
| Q2 25 | $24.2B | $10.6B | ||
| Q1 25 | $23.9B | $10.7B | ||
| Q4 24 | $26.1B | $10.9B | ||
| Q3 24 | $22.9B | $11.1B | ||
| Q2 24 | $21.6B | $11.1B | ||
| Q1 24 | $19.8B | $11.2B |
| Q4 25 | 1.45× | 1.77× | ||
| Q3 25 | 1.48× | 1.78× | ||
| Q2 25 | 1.38× | 1.74× | ||
| Q1 25 | 1.48× | 1.74× | ||
| Q4 24 | 1.37× | 1.69× | ||
| Q3 24 | 1.32× | 1.67× | ||
| Q2 24 | 1.35× | 1.55× | ||
| Q1 24 | 1.27× | 1.47× |
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 | $902.9M |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | $650.0M |
| 自由现金流率自由现金流/营收 | -309.3% | 150.1% |
| 资本支出强度资本支出/营收 | 2.2% | 58.4% |
| 现金转化率经营现金流/净利润 | -15.46× | 4.05× |
| 过去12个月自由现金流最近4个季度 | $-1.4B | $1.1B |
8季度趋势，按日历期对齐
| Q4 25 | $-1.7B | $902.9M | ||
| Q3 25 | $-697.4M | $234.9M | ||
| Q2 25 | $-131.3M | $250.3M | ||
| Q1 25 | $1.1B | $156.2M | ||
| Q4 24 | $-4.5B | $876.8M | ||
| Q3 24 | $-393.7M | $230.3M | ||
| Q2 24 | $-1.1B | $238.5M | ||
| Q1 24 | $-897.9M | $167.6M |
| Q4 25 | $-1.7B | $650.0M | ||
| Q3 25 | $-699.4M | $164.6M | ||
| Q2 25 | $-132.6M | $190.1M | ||
| Q1 25 | $1.1B | $103.2M | ||
| Q4 24 | $-4.5B | $627.0M | ||
| Q3 24 | $-393.9M | $161.3M | ||
| Q2 24 | $-1.1B | $171.1M | ||
| Q1 24 | $-898.9M | $115.0M |
| Q4 25 | -309.3% | 150.1% | ||
| Q3 25 | -110.5% | 38.1% | ||
| Q2 25 | -29.8% | 44.7% | ||
| Q1 25 | 247.3% | 24.5% | ||
| Q4 24 | -964.7% | 148.3% | ||
| Q3 24 | -95.6% | 38.4% | ||
| Q2 24 | -269.2% | 41.2% | ||
| Q1 24 | -294.1% | 27.8% |
| Q4 25 | 2.2% | 58.4% | ||
| Q3 25 | 0.3% | 16.3% | ||
| Q2 25 | 0.3% | 14.2% | ||
| Q1 25 | 0.1% | 12.6% | ||
| Q4 24 | 0.4% | 59.1% | ||
| Q3 24 | 0.0% | 16.4% | ||
| Q2 24 | 0.1% | 16.2% | ||
| Q1 24 | 0.3% | 12.7% |
| Q4 25 | -15.46× | 4.05× | ||
| Q3 25 | -3.84× | 5.81× | ||
| Q2 25 | -0.96× | 6.64× | ||
| Q1 25 | 13.97× | 2.04× | ||
| Q4 24 | -43.39× | — | ||
| Q3 24 | -5.68× | 10.19× | ||
| Q2 24 | -11.12× | 8.26× | ||
| Q1 24 | -22.84× | 3.88× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
