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PennyMac Financial Services, Inc.（PFSI）与Westrock Coffee Co（WEST）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Westrock Coffee Co的1.6倍（$538.0M vs $339.5M），PennyMac Financial Services, Inc.净利率更高（1752.5% vs -6.6%，领先1759.1%），Westrock Coffee Co同比增速更快（48.3% vs 14.4%），Westrock Coffee Co自由现金流更多（$27.8M vs $-1.7B），过去两年Westrock Coffee Co的营收复合增速更高（32.8% vs 32.7%）
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。
Westrock Coffee Co是一家全球化综合咖啡及饮品解决方案供应商，业务覆盖咖啡、茶与功能性饮品的采购、烘焙、生产及分销，为北美及全球其他区域的零售、餐饮和商业客户提供定制化产品及配套服务。
PFSI vs WEST — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $538.0M | $339.5M |
| 净利润 | $106.8M | $-22.6M |
| 毛利率 | — | 11.5% |
| 营业利润率 | 25.0% | -2.6% |
| 净利率 | 1752.5% | -6.6% |
| 营收同比 | 14.4% | 48.3% |
| 净利润同比 | 2.2% | 8.3% |
| 每股收益（稀释后） | $1.97 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $632.9M | $354.8M | ||
| Q2 25 | $444.7M | $280.9M | ||
| Q1 25 | $430.9M | $213.8M | ||
| Q4 24 | $470.1M | $229.0M | ||
| Q3 24 | $411.8M | $220.9M | ||
| Q2 24 | $406.1M | $208.4M | ||
| Q1 24 | $305.7M | $192.5M |
| Q4 25 | $106.8M | $-22.6M | ||
| Q3 25 | $181.5M | $-19.1M | ||
| Q2 25 | $136.5M | $-21.6M | ||
| Q1 25 | $76.3M | $-27.2M | ||
| Q4 24 | $104.5M | $-24.6M | ||
| Q3 24 | $69.4M | $-14.3M | ||
| Q2 24 | $98.3M | $-17.8M | ||
| Q1 24 | $39.3M | $-23.7M |
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% | ||
| Q1 24 | — | 19.4% |
| Q4 25 | 25.0% | -2.6% | ||
| Q3 25 | 37.3% | -2.4% | ||
| Q2 25 | 17.2% | -5.3% | ||
| Q1 25 | 24.2% | -6.1% | ||
| Q4 24 | 27.5% | -4.3% | ||
| Q3 24 | 22.8% | -5.8% | ||
| Q2 24 | 33.0% | -7.9% | ||
| Q1 24 | 14.4% | -5.3% |
| Q4 25 | 1752.5% | -6.6% | ||
| Q3 25 | 28.7% | -5.4% | ||
| Q2 25 | 30.7% | -7.7% | ||
| Q1 25 | 17.7% | -12.7% | ||
| Q4 24 | 2559.8% | -10.7% | ||
| Q3 24 | 16.8% | -6.5% | ||
| Q2 24 | 24.2% | -8.5% | ||
| Q1 24 | 12.9% | -12.3% |
| Q4 25 | $1.97 | $-0.22 | ||
| Q3 25 | $3.37 | $-0.20 | ||
| Q2 25 | $2.54 | $-0.23 | ||
| Q1 25 | $1.42 | $-0.29 | ||
| Q4 24 | $1.95 | $-0.26 | ||
| Q3 24 | $1.30 | $-0.16 | ||
| Q2 24 | $1.85 | $-0.20 | ||
| Q1 24 | $0.74 | $-0.27 |
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 | $49.9M |
| 总债务越低越好 | $6.2B | $444.1M |
| 股东权益账面价值 | $4.3B | $-1.9M |
| 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 | $49.9M | ||
| Q3 25 | $62.2M | $34.0M | ||
| Q2 25 | $462.3M | $44.0M | ||
| Q1 25 | $443.4M | $33.1M | ||
| Q4 24 | $420.6M | $26.2M | ||
| Q3 24 | $667.9M | $22.4M | ||
| Q2 24 | $188.8M | $24.3M | ||
| Q1 24 | $69.0K | $12.6M |
| Q4 25 | $6.2B | $444.1M | ||
| Q3 25 | $6.2B | — | ||
| Q2 25 | $5.6B | — | ||
| Q1 25 | $5.8B | — | ||
| Q4 24 | $5.3B | $393.1M | ||
| Q3 24 | $4.9B | — | ||
| Q2 24 | $4.9B | — | ||
| Q1 24 | $4.5B | — |
| Q4 25 | $4.3B | $-1.9M | ||
| Q3 25 | $4.2B | $11.4M | ||
| Q2 25 | $4.0B | $18.2M | ||
| Q1 25 | $3.9B | $71.4M | ||
| Q4 24 | $3.8B | $97.5M | ||
| Q3 24 | $3.7B | $110.3M | ||
| Q2 24 | $3.7B | $81.5M | ||
| Q1 24 | $3.6B | $91.7M |
| Q4 25 | $29.4B | $1.2B | ||
| Q3 25 | $25.4B | $1.2B | ||
| Q2 25 | $24.2B | $1.2B | ||
| 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 | $983.3M |
| Q4 25 | 1.45× | — | ||
| Q3 25 | 1.48× | — | ||
| Q2 25 | 1.38× | — | ||
| Q1 25 | 1.48× | — | ||
| Q4 24 | 1.37× | 4.03× | ||
| 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 | $36.7M |
| 自由现金流经营现金流 - 资本支出 | $-1.7B | $27.8M |
| 自由现金流率自由现金流/营收 | -309.3% | 8.2% |
| 资本支出强度资本支出/营收 | 2.2% | 2.6% |
| 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 | $-107.8M |
8季度趋势，按日历期对齐
| Q4 25 | $-1.7B | $36.7M | ||
| Q3 25 | $-697.4M | $-26.6M | ||
| Q2 25 | $-131.3M | $-7.0M | ||
| Q1 25 | $1.1B | $-22.1M | ||
| Q4 24 | $-4.5B | $2.8M | ||
| Q3 24 | $-393.7M | $-332.0K | ||
| Q2 24 | $-1.1B | $-23.7M | ||
| Q1 24 | $-897.9M | $8.0M |
| Q4 25 | $-1.7B | $27.8M | ||
| Q3 25 | $-699.4M | $-44.7M | ||
| Q2 25 | $-132.6M | $-27.5M | ||
| Q1 25 | $1.1B | $-63.4M | ||
| Q4 24 | $-4.5B | $-15.4M | ||
| Q3 24 | $-393.9M | $-36.7M | ||
| Q2 24 | $-1.1B | $-59.9M | ||
| Q1 24 | $-898.9M | $-60.9M |
| Q4 25 | -309.3% | 8.2% | ||
| Q3 25 | -110.5% | -12.6% | ||
| Q2 25 | -29.8% | -9.8% | ||
| Q1 25 | 247.3% | -29.7% | ||
| Q4 24 | -964.7% | -6.7% | ||
| Q3 24 | -95.6% | -16.6% | ||
| Q2 24 | -269.2% | -28.7% | ||
| Q1 24 | -294.1% | -31.7% |
| Q4 25 | 2.2% | 2.6% | ||
| Q3 25 | 0.3% | 5.1% | ||
| Q2 25 | 0.3% | 7.3% | ||
| Q1 25 | 0.1% | 19.3% | ||
| Q4 24 | 0.4% | 7.9% | ||
| Q3 24 | 0.0% | 16.5% | ||
| Q2 24 | 0.1% | 17.4% | ||
| Q1 24 | 0.3% | 35.8% |
| Q4 25 | -15.46× | — | ||
| Q3 25 | -3.84× | — | ||
| Q2 25 | -0.96× | — | ||
| Q1 25 | 13.97× | — | ||
| Q4 24 | -43.39× | — | ||
| Q3 24 | -5.68× | — | ||
| Q2 24 | -11.12× | — | ||
| Q1 24 | -22.84× | — |
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
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
