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Pagaya Technologies Ltd.（PGY）与GIBRALTAR INDUSTRIES, INC.（ROCK）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GIBRALTAR INDUSTRIES, INC.的1.4倍（$321.0M vs $225.0M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 16.5%），Pagaya Technologies Ltd.自由现金流更多（$76.7M vs $26.2M），过去两年Pagaya Technologies Ltd.的营收复合增速更高（16.4% vs -12.3%）
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。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
PGY vs ROCK — 直观对比
营收规模更大
PGY
是对方的1.4倍
$225.0M
营收增速更快
ROCK
高出8.5%
16.5%
自由现金流更多
PGY
多$50.5M
$26.2M
两年增速更快
PGY
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $321.0M | $225.0M |
| 净利润 | $34.3M | — |
| 毛利率 | 40.8% | 25.3% |
| 营业利润率 | 24.8% | 7.9% |
| 净利率 | 10.7% | — |
| 营收同比 | 16.5% | 24.9% |
| 净利润同比 | 114.4% | — |
| 每股收益（稀释后） | $0.40 | — |
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
营收PGYROCK
| Q4 25 | $321.0M | $225.0M | ||
| Q3 25 | $339.9M | $310.9M | ||
| Q2 25 | $317.7M | $309.5M | ||
| Q1 25 | $282.7M | $290.0M | ||
| Q4 24 | $275.7M | $180.1M | ||
| Q3 24 | $249.3M | $277.1M | ||
| Q2 24 | $242.6M | $273.6M | ||
| Q1 24 | $237.0M | $292.5M |
净利润PGYROCK
| Q4 25 | $34.3M | — | ||
| Q3 25 | $22.5M | $-89.1M | ||
| Q2 25 | $16.7M | $26.0M | ||
| Q1 25 | $7.9M | $21.1M | ||
| Q4 24 | $-237.9M | — | ||
| Q3 24 | $-67.5M | $34.0M | ||
| Q2 24 | $-74.8M | $32.2M | ||
| Q1 24 | $-21.2M | $24.9M |
毛利率PGYROCK
| Q4 25 | 40.8% | 25.3% | ||
| Q3 25 | 41.0% | 26.6% | ||
| Q2 25 | 39.7% | 28.4% | ||
| Q1 25 | 40.9% | 26.8% | ||
| Q4 24 | 42.6% | 29.0% | ||
| Q3 24 | 40.2% | 29.4% | ||
| Q2 24 | 40.0% | 30.5% | ||
| Q1 24 | 38.9% | 28.9% |
营业利润率PGYROCK
| Q4 25 | 24.8% | 7.9% | ||
| Q3 25 | 23.5% | 12.8% | ||
| Q2 25 | 17.8% | 12.8% | ||
| Q1 25 | 16.9% | 8.8% | ||
| Q4 24 | 11.5% | 13.3% | ||
| Q3 24 | 9.0% | 15.6% | ||
| Q2 24 | 2.1% | 14.9% | ||
| Q1 24 | 3.2% | 10.8% |
净利率PGYROCK
| Q4 25 | 10.7% | — | ||
| Q3 25 | 6.6% | -28.6% | ||
| Q2 25 | 5.2% | 8.4% | ||
| Q1 25 | 2.8% | 7.3% | ||
| Q4 24 | -86.3% | — | ||
| Q3 24 | -27.1% | 12.3% | ||
| Q2 24 | -30.8% | 11.8% | ||
| Q1 24 | -9.0% | 8.5% |
每股收益（稀释后）PGYROCK
| Q4 25 | $0.40 | — | ||
| Q3 25 | $0.23 | $-2.98 | ||
| Q2 25 | $0.20 | $0.87 | ||
| Q1 25 | $0.10 | — | ||
| Q4 24 | $-3.36 | — | ||
| Q3 24 | $-0.93 | $1.11 | ||
| Q2 24 | $-1.04 | $1.05 | ||
| Q1 24 | $-0.33 | — |
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 | $115.7M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $480.0M | $950.4M |
| 总资产 | $1.5B | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资PGYROCK
| Q4 25 | $235.3M | $115.7M | ||
| Q3 25 | $218.3M | $89.4M | ||
| Q2 25 | $183.0M | $43.3M | ||
| Q1 25 | $186.8M | $25.1M | ||
| Q4 24 | $187.9M | $269.5M | ||
| Q3 24 | $147.1M | $228.9M | ||
| Q2 24 | $233.6M | $179.1M | ||
| Q1 24 | $274.5M | $146.7M |
总债务PGYROCK
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | $317.9M | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | $230.2M | $0 | ||
| Q2 24 | $232.6M | $0 | ||
| Q1 24 | $235.0M | $0 |
股东权益PGYROCK
| Q4 25 | $480.0M | $950.4M | ||
| Q3 25 | $438.3M | $951.8M | ||
| Q2 25 | $366.8M | $1.0B | ||
| Q1 25 | $335.5M | $1.0B | ||
| Q4 24 | $326.5M | $1.0B | ||
| Q3 24 | $462.3M | $1.0B | ||
| Q2 24 | $526.0M | $975.7M | ||
| Q1 24 | $626.8M | $940.2M |
总资产PGYROCK
| Q4 25 | $1.5B | $1.4B | ||
| Q3 25 | $1.5B | $1.4B | ||
| Q2 25 | $1.4B | $1.5B | ||
| Q1 25 | $1.3B | $1.4B | ||
| Q4 24 | $1.3B | $1.4B | ||
| Q3 24 | $1.4B | $1.4B | ||
| Q2 24 | $1.5B | $1.4B | ||
| Q1 24 | $1.5B | $1.3B |
负债/权益比PGYROCK
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | 0.95× | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | 0.50× | 0.00× | ||
| Q2 24 | 0.44× | 0.00× | ||
| Q1 24 | 0.37× | 0.00× |
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 | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $76.7M | $26.2M |
| 自由现金流率自由现金流/营收 | 23.9% | 11.7% |
| 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× | — |
| 过去12个月自由现金流最近4个季度 | $224.7M | $120.6M |
8季度趋势，按日历期对齐
经营现金流PGYROCK
| Q4 25 | $79.8M | $35.5M | ||
| Q3 25 | $67.0M | $73.0M | ||
| Q2 25 | $57.4M | $44.9M | ||
| Q1 25 | $34.4M | $13.7M | ||
| Q4 24 | $27.9M | $19.9M | ||
| Q3 24 | $-7.1M | $64.7M | ||
| Q2 24 | $9.3M | $36.5M | ||
| Q1 24 | $17.7M | $53.2M |
自由现金流PGYROCK
| Q4 25 | $76.7M | $26.2M | ||
| Q3 25 | $63.8M | $64.8M | ||
| Q2 25 | $53.5M | $27.3M | ||
| Q1 25 | $30.7M | $2.3M | ||
| Q4 24 | $23.9M | $14.1M | ||
| Q3 24 | $-11.3M | $60.5M | ||
| Q2 24 | $4.9M | $33.5M | ||
| Q1 24 | $12.6M | $48.8M |
自由现金流率PGYROCK
| Q4 25 | 23.9% | 11.7% | ||
| Q3 25 | 18.8% | 20.8% | ||
| Q2 25 | 16.9% | 8.8% | ||
| Q1 25 | 10.8% | 0.8% | ||
| Q4 24 | 8.7% | 7.8% | ||
| Q3 24 | -4.6% | 21.8% | ||
| Q2 24 | 2.0% | 12.2% | ||
| Q1 24 | 5.3% | 16.7% |
资本支出强度PGYROCK
| Q4 25 | 1.0% | 4.1% | ||
| Q3 25 | 1.0% | 2.6% | ||
| Q2 25 | 1.2% | 5.7% | ||
| Q1 25 | 1.3% | 3.9% | ||
| Q4 24 | 1.4% | 3.3% | ||
| Q3 24 | 1.7% | 1.5% | ||
| Q2 24 | 1.8% | 1.1% | ||
| Q1 24 | 2.2% | 1.5% |
现金转化率PGYROCK
| Q4 25 | 2.33× | — | ||
| Q3 25 | 2.97× | — | ||
| Q2 25 | 3.44× | 1.73× | ||
| Q1 25 | 4.36× | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.90× | ||
| Q2 24 | — | 1.13× | ||
| Q1 24 | — | 2.13× |
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% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
