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PennyMac Financial Services, Inc.（PFSI）与Ubiquiti Inc.（UI）财务数据对比。点击上方公司名可切换其他公司
Ubiquiti Inc.的季度营收约是PennyMac Financial Services, Inc.的1.5倍（$814.9M vs $538.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs 28.7%，领先1723.8%），Ubiquiti Inc.同比增速更快（35.8% vs 14.4%），Ubiquiti Inc.自由现金流更多（$260.3M vs $-1.7B），过去两年PennyMac Financial Services, Inc.的营收复合增速更高（32.7% vs 28.6%）
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。
Ubiquiti Inc.是一家美国科技企业，2003年于加利福尼亚州圣何塞成立，目前总部位于纽约。公司旗下拥有多个品牌，主营面向企业及家庭用户的有线、无线数据通信产品的研发、生产与销售。
PFSI vs UI — 直观对比
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $814.9M |
| 净利润 | $106.8M | $233.6M |
| 毛利率 | — | 45.9% |
| 营业利润率 | 25.0% | 35.9% |
| 净利率 | 1752.5% | 28.7% |
| 营收同比 | 14.4% | 35.8% |
| 净利润同比 | 2.2% | 70.8% |
| 每股收益（稀释后） | $1.97 | $3.86 |
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 | $814.9M | ||
| Q3 25 | $632.9M | $733.8M | ||
| Q2 25 | $444.7M | $759.2M | ||
| Q1 25 | $430.9M | $664.2M | ||
| Q4 24 | $470.1M | $599.9M | ||
| Q3 24 | $411.8M | $550.3M | ||
| Q2 24 | $406.1M | $507.5M | ||
| Q1 24 | $305.7M | $493.0M |
| Q4 25 | $106.8M | $233.6M | ||
| Q3 25 | $181.5M | $207.9M | ||
| Q2 25 | $136.5M | $266.7M | ||
| Q1 25 | $76.3M | $180.4M | ||
| Q4 24 | $104.5M | $136.8M | ||
| Q3 24 | $69.4M | $128.0M | ||
| Q2 24 | $98.3M | $103.8M | ||
| Q1 24 | $39.3M | $76.3M |
| Q4 25 | — | 45.9% | ||
| Q3 25 | — | 46.0% | ||
| Q2 25 | — | 45.1% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 41.2% | ||
| Q3 24 | — | 42.1% | ||
| Q2 24 | — | 40.2% | ||
| Q1 24 | — | 35.3% |
| Q4 25 | 25.0% | 35.9% | ||
| Q3 25 | 37.3% | 35.7% | ||
| Q2 25 | 17.2% | 34.4% | ||
| Q1 25 | 24.2% | 34.2% | ||
| Q4 24 | 27.5% | 29.8% | ||
| Q3 24 | 22.8% | 30.7% | ||
| Q2 24 | 33.0% | 27.3% | ||
| Q1 24 | 14.4% | 22.6% |
| Q4 25 | 1752.5% | 28.7% | ||
| Q3 25 | 28.7% | 28.3% | ||
| Q2 25 | 30.7% | 35.1% | ||
| Q1 25 | 17.7% | 27.2% | ||
| Q4 24 | 2559.8% | 22.8% | ||
| Q3 24 | 16.8% | 23.3% | ||
| Q2 24 | 24.2% | 20.5% | ||
| Q1 24 | 12.9% | 15.5% |
| Q4 25 | $1.97 | $3.86 | ||
| Q3 25 | $3.37 | $3.43 | ||
| Q2 25 | $2.54 | $4.40 | ||
| Q1 25 | $1.42 | $2.98 | ||
| Q4 24 | $1.95 | $2.26 | ||
| Q3 24 | $1.30 | $2.12 | ||
| Q2 24 | $1.85 | $1.72 | ||
| Q1 24 | $0.74 | $1.26 |
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 | $302.8M |
| 总债务越低越好 | $6.2B | $47.5M |
| 股东权益账面价值 | $4.3B | $1.0B |
| 总资产 | $29.4B | $1.6B |
| 负债/权益比越低杠杆越低 | 1.45× | 0.05× |
8季度趋势，按日历期对齐
| Q4 25 | $410.0M | $302.8M | ||
| Q3 25 | $62.2M | $177.2M | ||
| Q2 25 | $462.3M | $149.7M | ||
| Q1 25 | $443.4M | $151.0M | ||
| Q4 24 | $420.6M | $133.1M | ||
| Q3 24 | $667.9M | $165.2M | ||
| Q2 24 | $188.8M | $126.3M | ||
| Q1 24 | $69.0K | $102.5M |
| Q4 25 | $6.2B | $47.5M | ||
| Q3 25 | $6.2B | $133.8M | ||
| Q2 25 | $5.6B | $250.0M | ||
| Q1 25 | $5.8B | $340.0M | ||
| Q4 24 | $5.3B | $406.3M | ||
| Q3 24 | $4.9B | $552.5M | ||
| Q2 24 | $4.9B | $708.1M | ||
| Q1 24 | $4.5B | $877.5M |
| Q4 25 | $4.3B | $1.0B | ||
| Q3 25 | $4.2B | $828.4M | ||
| Q2 25 | $4.0B | $668.3M | ||
| Q1 25 | $3.9B | $436.1M | ||
| Q4 24 | $3.8B | $290.4M | ||
| Q3 24 | $3.7B | $188.1M | ||
| Q2 24 | $3.7B | $95.1M | ||
| Q1 24 | $3.6B | $25.9M |
| Q4 25 | $29.4B | $1.6B | ||
| Q3 25 | $25.4B | $1.5B | ||
| Q2 25 | $24.2B | $1.5B | ||
| Q1 25 | $23.9B | $1.3B | ||
| Q4 24 | $26.1B | $1.2B | ||
| Q3 24 | $22.9B | $1.2B | ||
| Q2 24 | $21.6B | $1.2B | ||
| Q1 24 | $19.8B | $1.2B |
| Q4 25 | 1.45× | 0.05× | ||
| Q3 25 | 1.48× | 0.16× | ||
| Q2 25 | 1.38× | 0.37× | ||
| Q1 25 | 1.48× | 0.78× | ||
| Q4 24 | 1.37× | 1.40× | ||
| Q3 24 | 1.32× | 2.94× | ||
| Q2 24 | 1.35× | 7.45× | ||
| Q1 24 | 1.27× | 33.92× |
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 | $263.9M |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | $260.3M |
| 自由现金流率自由现金流/营收 | -309.3% | 31.9% |
| 资本支出强度资本支出/营收 | 2.2% | 0.4% |
| 现金转化率经营现金流/净利润 | -15.46× | 1.13× |
| 过去12个月自由现金流最近4个季度 | $-1.4B | $699.5M |
8季度趋势，按日历期对齐
| Q4 25 | $-1.7B | $263.9M | ||
| Q3 25 | $-697.4M | $198.5M | ||
| Q2 25 | $-131.3M | $130.4M | ||
| Q1 25 | $1.1B | $123.6M | ||
| Q4 24 | $-4.5B | $152.4M | ||
| Q3 24 | $-393.7M | $233.7M | ||
| Q2 24 | $-1.1B | $231.4M | ||
| Q1 24 | $-897.9M | $163.9M |
| Q4 25 | $-1.7B | $260.3M | ||
| Q3 25 | $-699.4M | $193.3M | ||
| Q2 25 | $-132.6M | $125.2M | ||
| Q1 25 | $1.1B | $120.7M | ||
| Q4 24 | $-4.5B | $150.4M | ||
| Q3 24 | $-393.9M | $231.1M | ||
| Q2 24 | $-1.1B | $229.5M | ||
| Q1 24 | $-898.9M | $160.6M |
| Q4 25 | -309.3% | 31.9% | ||
| Q3 25 | -110.5% | 26.3% | ||
| Q2 25 | -29.8% | 16.5% | ||
| Q1 25 | 247.3% | 18.2% | ||
| Q4 24 | -964.7% | 25.1% | ||
| Q3 24 | -95.6% | 42.0% | ||
| Q2 24 | -269.2% | 45.2% | ||
| Q1 24 | -294.1% | 32.6% |
| Q4 25 | 2.2% | 0.4% | ||
| Q3 25 | 0.3% | 0.7% | ||
| Q2 25 | 0.3% | 0.7% | ||
| Q1 25 | 0.1% | 0.4% | ||
| Q4 24 | 0.4% | 0.3% | ||
| Q3 24 | 0.0% | 0.5% | ||
| Q2 24 | 0.1% | 0.4% | ||
| Q1 24 | 0.3% | 0.7% |
| Q4 25 | -15.46× | 1.13× | ||
| Q3 25 | -3.84× | 0.95× | ||
| Q2 25 | -0.96× | 0.49× | ||
| Q1 25 | 13.97× | 0.68× | ||
| Q4 24 | -43.39× | 1.11× | ||
| Q3 24 | -5.68× | 1.83× | ||
| Q2 24 | -11.12× | 2.23× | ||
| Q1 24 | -22.84× | 2.15× |
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
UI
| Enterprise Technology | $729.0M | 89% |
| Service Provider Technology | $85.9M | 11% |
