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Pagaya Technologies Ltd.（PGY）与REPLIGEN CORP（RGEN）财务数据对比。点击上方公司名可切换其他公司
Pagaya Technologies Ltd.的季度营收约是REPLIGEN CORP的1.6倍（$321.0M vs $197.9M），Pagaya Technologies Ltd.净利率更高（10.7% vs 6.7%，领先4.0%），Pagaya Technologies Ltd.同比增速更快（16.5% vs 13.6%），Pagaya Technologies Ltd.自由现金流更多（$76.7M vs $17.6M），过去两年Pagaya Technologies Ltd.的营收复合增速更高（16.4% vs 14.4%）
Pagaya Technologies是一家以纽约为总部的以美金融科技企业，专注于运用人工智能技术评估贷款申请，推动信贷审核流程现代化。该公司2022年于纽约证券交易所上市，截至2024年，已累计评估约2.6万亿美元规模的贷款申请，促成的贷款总额约达280亿美元，核心客户以银行等金融机构为主。
Repligen是一家全球生命科学企业，专注于创新生物工艺技术与系统的研发及商业化，助力提升生物药生产效率。公司1981年成立，总部位于美国马萨诸塞州沃尔瑟姆，于纳斯达克挂牌上市，股票代码RGEN，截至2025年全球员工超1900人，主要服务生物制药领域客户。
PGY vs RGEN — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $321.0M | $197.9M |
| 净利润 | $34.3M | $13.3M |
| 毛利率 | 40.8% | 52.5% |
| 营业利润率 | 24.8% | 9.0% |
| 净利率 | 10.7% | 6.7% |
| 营收同比 | 16.5% | 13.6% |
| 净利润同比 | 114.4% | 143.9% |
| 每股收益（稀释后） | $0.40 | $0.24 |
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 | $321.0M | $197.9M | ||
| Q3 25 | $339.9M | $188.8M | ||
| Q2 25 | $317.7M | $182.4M | ||
| Q1 25 | $282.7M | $169.2M | ||
| Q4 24 | $275.7M | $174.1M | ||
| Q3 24 | $249.3M | $154.9M | ||
| Q2 24 | $242.6M | $154.1M | ||
| Q1 24 | $237.0M | $151.3M |
| Q4 25 | $34.3M | $13.3M | ||
| Q3 25 | $22.5M | $14.9M | ||
| Q2 25 | $16.7M | $14.9M | ||
| Q1 25 | $7.9M | $5.8M | ||
| Q4 24 | $-237.9M | $-30.3M | ||
| Q3 24 | $-67.5M | $-654.0K | ||
| Q2 24 | $-74.8M | $3.3M | ||
| Q1 24 | $-21.2M | $2.1M |
| Q4 25 | 40.8% | 52.5% | ||
| Q3 25 | 41.0% | 53.2% | ||
| Q2 25 | 39.7% | 50.0% | ||
| Q1 25 | 40.9% | 53.6% | ||
| Q4 24 | 42.6% | 26.1% | ||
| Q3 24 | 40.2% | 50.0% | ||
| Q2 24 | 40.0% | 49.8% | ||
| Q1 24 | 38.9% | 49.5% |
| Q4 25 | 24.8% | 9.0% | ||
| Q3 25 | 23.5% | 8.9% | ||
| Q2 25 | 17.8% | 7.6% | ||
| Q1 25 | 16.9% | 3.9% | ||
| Q4 24 | 11.5% | -17.7% | ||
| Q3 24 | 9.0% | -5.1% | ||
| Q2 24 | 2.1% | 1.0% | ||
| Q1 24 | 3.2% | 1.3% |
| Q4 25 | 10.7% | 6.7% | ||
| Q3 25 | 6.6% | 7.9% | ||
| Q2 25 | 5.2% | 8.2% | ||
| Q1 25 | 2.8% | 3.4% | ||
| Q4 24 | -86.3% | -17.4% | ||
| Q3 24 | -27.1% | -0.4% | ||
| Q2 24 | -30.8% | 2.2% | ||
| Q1 24 | -9.0% | 1.4% |
| Q4 25 | $0.40 | $0.24 | ||
| Q3 25 | $0.23 | $0.26 | ||
| Q2 25 | $0.20 | $0.26 | ||
| Q1 25 | $0.10 | $0.10 | ||
| Q4 24 | $-3.36 | $-0.55 | ||
| Q3 24 | $-0.93 | $-0.01 | ||
| Q2 24 | $-1.04 | $0.06 | ||
| Q1 24 | $-0.33 | $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 | $235.3M | $767.6M |
| 总债务越低越好 | — | $542.2M |
| 股东权益账面价值 | $480.0M | $2.1B |
| 总资产 | $1.5B | $2.9B |
| 负债/权益比越低杠杆越低 | — | 0.26× |
8季度趋势，按日历期对齐
| Q4 25 | $235.3M | $767.6M | ||
| Q3 25 | $218.3M | $748.7M | ||
| Q2 25 | $183.0M | $708.9M | ||
| Q1 25 | $186.8M | $697.2M | ||
| Q4 24 | $187.9M | $757.4M | ||
| Q3 24 | $147.1M | $784.0M | ||
| Q2 24 | $233.6M | $809.1M | ||
| Q1 24 | $274.5M | $780.6M |
| Q4 25 | — | $542.2M | ||
| Q3 25 | — | $537.9M | ||
| Q2 25 | — | — | ||
| Q1 25 | $317.9M | — | ||
| Q4 24 | — | $525.6M | ||
| Q3 24 | $230.2M | — | ||
| Q2 24 | $232.6M | — | ||
| Q1 24 | $235.0M | — |
| Q4 25 | $480.0M | $2.1B | ||
| Q3 25 | $438.3M | $2.1B | ||
| Q2 25 | $366.8M | $2.1B | ||
| Q1 25 | $335.5M | $2.0B | ||
| Q4 24 | $326.5M | $2.0B | ||
| Q3 24 | $462.3M | $2.0B | ||
| Q2 24 | $526.0M | $2.0B | ||
| Q1 24 | $626.8M | $2.0B |
| Q4 25 | $1.5B | $2.9B | ||
| Q3 25 | $1.5B | $2.9B | ||
| Q2 25 | $1.4B | $2.9B | ||
| Q1 25 | $1.3B | $2.9B | ||
| Q4 24 | $1.3B | $2.8B | ||
| Q3 24 | $1.4B | $2.8B | ||
| Q2 24 | $1.5B | $2.9B | ||
| Q1 24 | $1.5B | $2.8B |
| Q4 25 | — | 0.26× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.95× | — | ||
| Q4 24 | — | 0.27× | ||
| Q3 24 | 0.50× | — | ||
| Q2 24 | 0.44× | — | ||
| Q1 24 | 0.37× | — |
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 | $79.8M | $25.7M |
| 自由现金流经营现金流 - 资本支出 | $76.7M | $17.6M |
| 自由现金流率自由现金流/营收 | 23.9% | 8.9% |
| 资本支出强度资本支出/营收 | 1.0% | 4.1% |
| 现金转化率经营现金流/净利润 | 2.33× | 1.93× |
| 过去12个月自由现金流最近4个季度 | $224.7M | $93.9M |
8季度趋势，按日历期对齐
| Q4 25 | $79.8M | $25.7M | ||
| Q3 25 | $67.0M | $48.1M | ||
| Q2 25 | $57.4M | $28.6M | ||
| Q1 25 | $34.4M | $15.0M | ||
| Q4 24 | $27.9M | $39.2M | ||
| Q3 24 | $-7.1M | $49.3M | ||
| Q2 24 | $9.3M | $42.2M | ||
| Q1 24 | $17.7M | $44.7M |
| Q4 25 | $76.7M | $17.6M | ||
| Q3 25 | $63.8M | $43.4M | ||
| Q2 25 | $53.5M | $21.5M | ||
| Q1 25 | $30.7M | $11.4M | ||
| Q4 24 | $23.9M | $33.6M | ||
| Q3 24 | $-11.3M | $42.3M | ||
| Q2 24 | $4.9M | $37.4M | ||
| Q1 24 | $12.6M | $36.4M |
| Q4 25 | 23.9% | 8.9% | ||
| Q3 25 | 18.8% | 23.0% | ||
| Q2 25 | 16.9% | 11.8% | ||
| Q1 25 | 10.8% | 6.8% | ||
| Q4 24 | 8.7% | 19.3% | ||
| Q3 24 | -4.6% | 27.3% | ||
| Q2 24 | 2.0% | 24.3% | ||
| Q1 24 | 5.3% | 24.0% |
| Q4 25 | 1.0% | 4.1% | ||
| Q3 25 | 1.0% | 2.5% | ||
| Q2 25 | 1.2% | 3.9% | ||
| Q1 25 | 1.3% | 2.1% | ||
| Q4 24 | 1.4% | 3.2% | ||
| Q3 24 | 1.7% | 4.5% | ||
| Q2 24 | 1.8% | 3.1% | ||
| Q1 24 | 2.2% | 5.5% |
| Q4 25 | 2.33× | 1.93× | ||
| Q3 25 | 2.97× | 3.23× | ||
| Q2 25 | 3.44× | 1.92× | ||
| Q1 25 | 4.36× | 2.57× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 12.70× | ||
| Q1 24 | — | 21.35× |
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
PGY
| Network AI Fees | $287.4M | 90% |
| Financial Service | $33.6M | 10% |
RGEN
暂无分部数据
