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PennyMac Financial Services, Inc.（PFSI）与Vestis Corp（VSTS）财务数据对比。点击上方公司名可切换其他公司
Vestis Corp的季度营收约是PennyMac Financial Services, Inc.的1.2倍（$663.4M vs $538.0M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs -1.0%，领先1753.4%），PennyMac Financial Services, Inc.同比增速更快（14.4% vs -3.0%），Vestis Corp自由现金流更多（$28.3M 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。
Vestis Corp是北美领先的工作制服、安全防护服饰及配套设施服务供应商，服务覆盖医疗、制造、零售、餐饮住宿、公共服务等多个领域，为企业客户提供定制化的制服租赁、清洁与日常维护解决方案。
PFSI vs VSTS — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $663.4M |
| 净利润 | $106.8M | $-6.4M |
| 毛利率 | — | — |
| 营业利润率 | 25.0% | 2.5% |
| 净利率 | 1752.5% | -1.0% |
| 营收同比 | 14.4% | -3.0% |
| 净利润同比 | 2.2% | -868.1% |
| 每股收益（稀释后） | $1.97 | $-0.05 |
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 | — | $663.4M | ||
| Q4 25 | $538.0M | $712.0M | ||
| Q3 25 | $632.9M | — | ||
| Q2 25 | $444.7M | $673.8M | ||
| Q1 25 | $430.9M | $665.2M | ||
| Q4 24 | $470.1M | $683.8M | ||
| Q3 24 | $411.8M | $684.3M | ||
| Q2 24 | $406.1M | $698.2M |
| Q1 26 | — | $-6.4M | ||
| Q4 25 | $106.8M | $-12.5M | ||
| Q3 25 | $181.5M | — | ||
| Q2 25 | $136.5M | $-676.0K | ||
| Q1 25 | $76.3M | $-27.8M | ||
| Q4 24 | $104.5M | $832.0K | ||
| Q3 24 | $69.4M | $-2.3M | ||
| Q2 24 | $98.3M | $5.0M |
| Q1 26 | — | 2.5% | ||
| Q4 25 | 25.0% | 2.5% | ||
| Q3 25 | 37.3% | — | ||
| Q2 25 | 17.2% | 3.7% | ||
| Q1 25 | 24.2% | -1.3% | ||
| Q4 24 | 27.5% | 4.4% | ||
| Q3 24 | 22.8% | 4.4% | ||
| Q2 24 | 33.0% | 5.4% |
| Q1 26 | — | -1.0% | ||
| Q4 25 | 1752.5% | -1.8% | ||
| Q3 25 | 28.7% | — | ||
| Q2 25 | 30.7% | -0.1% | ||
| Q1 25 | 17.7% | -4.2% | ||
| Q4 24 | 2559.8% | 0.1% | ||
| Q3 24 | 16.8% | -0.3% | ||
| Q2 24 | 24.2% | 0.7% |
| Q1 26 | — | $-0.05 | ||
| Q4 25 | $1.97 | $-0.10 | ||
| Q3 25 | $3.37 | — | ||
| Q2 25 | $2.54 | $-0.01 | ||
| Q1 25 | $1.42 | $-0.21 | ||
| Q4 24 | $1.95 | $0.01 | ||
| Q3 24 | $1.30 | $-0.02 | ||
| Q2 24 | $1.85 | $0.04 |
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 | $41.5M |
| 总债务越低越好 | $6.2B | — |
| 股东权益账面价值 | $4.3B | $864.4M |
| 总资产 | $29.4B | $2.9B |
| 负债/权益比越低杠杆越低 | 1.45× | — |
8季度趋势，按日历期对齐
| Q1 26 | — | $41.5M | ||
| Q4 25 | $410.0M | $29.7M | ||
| Q3 25 | $62.2M | — | ||
| Q2 25 | $462.3M | $23.7M | ||
| Q1 25 | $443.4M | $28.8M | ||
| Q4 24 | $420.6M | $18.6M | ||
| Q3 24 | $667.9M | $31.0M | ||
| Q2 24 | $188.8M | $29.1M |
| Q1 26 | — | — | ||
| Q4 25 | $6.2B | $1.2B | ||
| Q3 25 | $6.2B | — | ||
| Q2 25 | $5.6B | — | ||
| Q1 25 | $5.8B | — | ||
| Q4 24 | $5.3B | — | ||
| Q3 24 | $4.9B | $1.2B | ||
| Q2 24 | $4.9B | — |
| Q1 26 | — | $864.4M | ||
| Q4 25 | $4.3B | $865.6M | ||
| Q3 25 | $4.2B | — | ||
| Q2 25 | $4.0B | $882.2M | ||
| Q1 25 | $3.9B | $876.3M | ||
| Q4 24 | $3.8B | $899.6M | ||
| Q3 24 | $3.7B | $903.1M | ||
| Q2 24 | $3.7B | $901.2M |
| Q1 26 | — | $2.9B | ||
| Q4 25 | $29.4B | $2.9B | ||
| Q3 25 | $25.4B | — | ||
| Q2 25 | $24.2B | $2.9B | ||
| Q1 25 | $23.9B | $2.9B | ||
| Q4 24 | $26.1B | $2.9B | ||
| Q3 24 | $22.9B | $2.9B | ||
| Q2 24 | $21.6B | $3.1B |
| Q1 26 | — | — | ||
| Q4 25 | 1.45× | 1.35× | ||
| Q3 25 | 1.48× | — | ||
| Q2 25 | 1.38× | — | ||
| Q1 25 | 1.48× | — | ||
| Q4 24 | 1.37× | — | ||
| Q3 24 | 1.32× | 1.29× | ||
| Q2 24 | 1.35× | — |
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 | $37.7M |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | $28.3M |
| 自由现金流率自由现金流/营收 | -309.3% | 4.3% |
| 资本支出强度资本支出/营收 | 2.2% | 1.4% |
| 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 | $45.0M |
8季度趋势，按日历期对齐
| Q1 26 | — | $37.7M | ||
| Q4 25 | $-1.7B | $30.9M | ||
| Q3 25 | $-697.4M | — | ||
| Q2 25 | $-131.3M | $22.9M | ||
| Q1 25 | $1.1B | $6.7M | ||
| Q4 24 | $-4.5B | $3.8M | ||
| Q3 24 | $-393.7M | $295.6M | ||
| Q2 24 | $-1.1B | $48.7M |
| Q1 26 | — | $28.3M | ||
| Q4 25 | $-1.7B | $15.6M | ||
| Q3 25 | $-699.4M | — | ||
| Q2 25 | $-132.6M | $8.0M | ||
| Q1 25 | $1.1B | $-6.9M | ||
| Q4 24 | $-4.5B | $-11.0M | ||
| Q3 24 | $-393.9M | $267.5M | ||
| Q2 24 | $-1.1B | $27.7M |
| Q1 26 | — | 4.3% | ||
| Q4 25 | -309.3% | 2.2% | ||
| Q3 25 | -110.5% | — | ||
| Q2 25 | -29.8% | 1.2% | ||
| Q1 25 | 247.3% | -1.0% | ||
| Q4 24 | -964.7% | -1.6% | ||
| Q3 24 | -95.6% | 39.1% | ||
| Q2 24 | -269.2% | 4.0% |
| Q1 26 | — | 1.4% | ||
| Q4 25 | 2.2% | 2.2% | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 0.3% | 2.2% | ||
| Q1 25 | 0.1% | 2.0% | ||
| Q4 24 | 0.4% | 2.2% | ||
| Q3 24 | 0.0% | 4.1% | ||
| Q2 24 | 0.1% | 3.0% |
| Q1 26 | — | — | ||
| Q4 25 | -15.46× | — | ||
| Q3 25 | -3.84× | — | ||
| Q2 25 | -0.96× | — | ||
| Q1 25 | 13.97× | — | ||
| Q4 24 | -43.39× | 4.54× | ||
| Q3 24 | -5.68× | — | ||
| Q2 24 | -11.12× | 9.66× |
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
VSTS
| Workplace Supplies | $375.2M | 57% |
| Uniforms | $227.7M | 34% |
| Other | $60.5M | 9% |
