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Pagaya Technologies Ltd.（PGY）与ROGERS CORP（ROG）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ROGERS CORP的1.6倍（$321.0M vs $200.5M），Pagaya Technologies Ltd.净利率更高（10.7% vs 2.2%，领先8.4%），Pagaya Technologies Ltd.同比增速更快（16.5% vs 5.2%），Pagaya Technologies Ltd.自由现金流更多（$76.7M vs $1.1M），过去两年Pagaya Technologies Ltd.的营收复合增速更高（16.4% vs -3.3%）
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。
罗杰斯公司是一家专注于特种工程材料研发生产的企业，总部位于美国亚利桑那州钱德勒市，其产品广泛应用于先进电子、移动通信、清洁能源、航空航天等多个高科技领域，为全球客户提供高性能材料解决方案。
PGY vs ROG — 直观对比
营收规模更大
PGY
是对方的1.6倍
$200.5M
营收增速更快
PGY
高出11.2%
5.2%
净利率更高
PGY
高出8.4%
2.2%
自由现金流更多
PGY
多$75.6M
$1.1M
两年增速更快
PGY
近两年复合增速
-3.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $321.0M | $200.5M |
| 净利润 | $34.3M | $4.5M |
| 毛利率 | 40.8% | 32.2% |
| 营业利润率 | 24.8% | — |
| 净利率 | 10.7% | 2.2% |
| 营收同比 | 16.5% | 5.2% |
| 净利润同比 | 114.4% | 421.4% |
| 每股收益（稀释后） | $0.40 | $0.25 |
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PGYROG
| Q1 26 | — | $200.5M | ||
| Q4 25 | $321.0M | $201.5M | ||
| Q3 25 | $339.9M | $216.0M | ||
| Q2 25 | $317.7M | $202.8M | ||
| Q1 25 | $282.7M | $190.5M | ||
| Q4 24 | $275.7M | $192.2M | ||
| Q3 24 | $249.3M | $210.3M | ||
| Q2 24 | $242.6M | $214.2M |
净利润PGYROG
| Q1 26 | — | $4.5M | ||
| Q4 25 | $34.3M | $4.6M | ||
| Q3 25 | $22.5M | $8.6M | ||
| Q2 25 | $16.7M | $-73.6M | ||
| Q1 25 | $7.9M | $-1.4M | ||
| Q4 24 | $-237.9M | $-500.0K | ||
| Q3 24 | $-67.5M | $10.7M | ||
| Q2 24 | $-74.8M | $8.1M |
毛利率PGYROG
| Q1 26 | — | 32.2% | ||
| Q4 25 | 40.8% | 31.5% | ||
| Q3 25 | 41.0% | 33.5% | ||
| Q2 25 | 39.7% | 31.6% | ||
| Q1 25 | 40.9% | 29.9% | ||
| Q4 24 | 42.6% | 32.1% | ||
| Q3 24 | 40.2% | 35.2% | ||
| Q2 24 | 40.0% | 34.1% |
营业利润率PGYROG
| Q1 26 | — | — | ||
| Q4 25 | 24.8% | 3.5% | ||
| Q3 25 | 23.5% | 7.3% | ||
| Q2 25 | 17.8% | -33.3% | ||
| Q1 25 | 16.9% | -0.2% | ||
| Q4 24 | 11.5% | -6.6% | ||
| Q3 24 | 9.0% | 6.9% | ||
| Q2 24 | 2.1% | 5.3% |
净利率PGYROG
| Q1 26 | — | 2.2% | ||
| Q4 25 | 10.7% | 2.3% | ||
| Q3 25 | 6.6% | 4.0% | ||
| Q2 25 | 5.2% | -36.3% | ||
| Q1 25 | 2.8% | -0.7% | ||
| Q4 24 | -86.3% | -0.3% | ||
| Q3 24 | -27.1% | 5.1% | ||
| Q2 24 | -30.8% | 3.8% |
每股收益（稀释后）PGYROG
| Q1 26 | — | $0.25 | ||
| Q4 25 | $0.40 | $0.20 | ||
| Q3 25 | $0.23 | $0.48 | ||
| Q2 25 | $0.20 | $-4.00 | ||
| Q1 25 | $0.10 | $-0.08 | ||
| Q4 24 | $-3.36 | $-0.04 | ||
| Q3 24 | $-0.93 | $0.58 | ||
| Q2 24 | $-1.04 | $0.44 |
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 | $195.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $480.0M | $1.2B |
| 总资产 | $1.5B | $1.4B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资PGYROG
| Q1 26 | — | $195.8M | ||
| Q4 25 | $235.3M | $197.0M | ||
| Q3 25 | $218.3M | $167.8M | ||
| Q2 25 | $183.0M | $157.2M | ||
| Q1 25 | $186.8M | $175.6M | ||
| Q4 24 | $187.9M | $159.8M | ||
| Q3 24 | $147.1M | $146.4M | ||
| Q2 24 | $233.6M | $119.9M |
总债务PGYROG
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $317.9M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $230.2M | — | ||
| Q2 24 | $232.6M | — |
股东权益PGYROG
| Q1 26 | — | $1.2B | ||
| Q4 25 | $480.0M | $1.2B | ||
| Q3 25 | $438.3M | $1.2B | ||
| Q2 25 | $366.8M | $1.2B | ||
| Q1 25 | $335.5M | $1.3B | ||
| Q4 24 | $326.5M | $1.3B | ||
| Q3 24 | $462.3M | $1.3B | ||
| Q2 24 | $526.0M | $1.3B |
总资产PGYROG
| Q1 26 | — | $1.4B | ||
| Q4 25 | $1.5B | $1.4B | ||
| Q3 25 | $1.5B | $1.4B | ||
| Q2 25 | $1.4B | $1.5B | ||
| Q1 25 | $1.3B | $1.5B | ||
| Q4 24 | $1.3B | $1.5B | ||
| Q3 24 | $1.4B | $1.5B | ||
| Q2 24 | $1.5B | $1.5B |
负债/权益比PGYROG
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.95× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.50× | — | ||
| Q2 24 | 0.44× | — |
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 | $5.8M |
| 自由现金流经营现金流 - 资本支出 | $76.7M | $1.1M |
| 自由现金流率自由现金流/营收 | 23.9% | 0.5% |
| 资本支出强度资本支出/营收 | 1.0% | 2.3% |
| 现金转化率经营现金流/净利润 | 2.33× | 1.29× |
| 过去12个月自由现金流最近4个季度 | $224.7M | $70.1M |
8季度趋势，按日历期对齐
经营现金流PGYROG
| Q1 26 | — | $5.8M | ||
| Q4 25 | $79.8M | $46.9M | ||
| Q3 25 | $67.0M | $28.9M | ||
| Q2 25 | $57.4M | $13.7M | ||
| Q1 25 | $34.4M | $11.7M | ||
| Q4 24 | $27.9M | $33.7M | ||
| Q3 24 | $-7.1M | $42.4M | ||
| Q2 24 | $9.3M | $22.9M |
自由现金流PGYROG
| Q1 26 | — | $1.1M | ||
| Q4 25 | $76.7M | $42.2M | ||
| Q3 25 | $63.8M | $21.2M | ||
| Q2 25 | $53.5M | $5.6M | ||
| Q1 25 | $30.7M | $2.1M | ||
| Q4 24 | $23.9M | $18.3M | ||
| Q3 24 | $-11.3M | $25.2M | ||
| Q2 24 | $4.9M | $8.8M |
自由现金流率PGYROG
| Q1 26 | — | 0.5% | ||
| Q4 25 | 23.9% | 20.9% | ||
| Q3 25 | 18.8% | 9.8% | ||
| Q2 25 | 16.9% | 2.8% | ||
| Q1 25 | 10.8% | 1.1% | ||
| Q4 24 | 8.7% | 9.5% | ||
| Q3 24 | -4.6% | 12.0% | ||
| Q2 24 | 2.0% | 4.1% |
资本支出强度PGYROG
| Q1 26 | — | 2.3% | ||
| Q4 25 | 1.0% | 2.3% | ||
| Q3 25 | 1.0% | 3.6% | ||
| Q2 25 | 1.2% | 4.0% | ||
| Q1 25 | 1.3% | 5.0% | ||
| Q4 24 | 1.4% | 8.0% | ||
| Q3 24 | 1.7% | 8.2% | ||
| Q2 24 | 1.8% | 6.6% |
现金转化率PGYROG
| Q1 26 | — | 1.29× | ||
| Q4 25 | 2.33× | 10.20× | ||
| Q3 25 | 2.97× | 3.36× | ||
| Q2 25 | 3.44× | — | ||
| Q1 25 | 4.36× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.96× | ||
| Q2 24 | — | 2.83× |
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% |
ROG
暂无分部数据
