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Pagaya Technologies Ltd.（PGY）与Rapid7, Inc.（RPD）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Rapid7, Inc.的1.5倍（$321.0M vs $217.4M），Pagaya Technologies Ltd.净利率更高（10.7% vs 1.4%，领先9.2%），Pagaya Technologies Ltd.同比增速更快（16.5% vs 0.5%），Pagaya Technologies Ltd.自由现金流更多（$76.7M vs $36.4M），过去两年Pagaya Technologies Ltd.的营收复合增速更高（16.4% vs 3.0%）
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。
Rapid7是全球领先的网络安全企业，提供漏洞管理、威胁检测与响应、云安全、安全分析等全系列安全解决方案，服务全球科技、医疗、金融、制造等行业的各类规模企业及公共部门客户，助力客户高效识别、应对和缓解网络安全风险。
PGY vs RPD — 直观对比
营收规模更大
PGY
是对方的1.5倍
$217.4M
营收增速更快
PGY
高出15.9%
0.5%
净利率更高
PGY
高出9.2%
1.4%
自由现金流更多
PGY
多$40.3M
$36.4M
两年增速更快
PGY
近两年复合增速
3.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $321.0M | $217.4M |
| 净利润 | $34.3M | $3.1M |
| 毛利率 | 40.8% | 68.9% |
| 营业利润率 | 24.8% | 1.0% |
| 净利率 | 10.7% | 1.4% |
| 营收同比 | 16.5% | 0.5% |
| 净利润同比 | 114.4% | 44.1% |
| 每股收益（稀释后） | $0.40 | $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
营收PGYRPD
| Q4 25 | $321.0M | $217.4M | ||
| Q3 25 | $339.9M | $218.0M | ||
| Q2 25 | $317.7M | $214.2M | ||
| Q1 25 | $282.7M | $210.3M | ||
| Q4 24 | $275.7M | $216.3M | ||
| Q3 24 | $249.3M | $214.7M | ||
| Q2 24 | $242.6M | $208.0M | ||
| Q1 24 | $237.0M | $205.1M |
净利润PGYRPD
| Q4 25 | $34.3M | $3.1M | ||
| Q3 25 | $22.5M | $9.8M | ||
| Q2 25 | $16.7M | $8.3M | ||
| Q1 25 | $7.9M | $2.1M | ||
| Q4 24 | $-237.9M | $2.2M | ||
| Q3 24 | $-67.5M | $15.4M | ||
| Q2 24 | $-74.8M | $6.5M | ||
| Q1 24 | $-21.2M | $1.4M |
毛利率PGYRPD
| Q4 25 | 40.8% | 68.9% | ||
| Q3 25 | 41.0% | 70.2% | ||
| Q2 25 | 39.7% | 70.6% | ||
| Q1 25 | 40.9% | 71.7% | ||
| Q4 24 | 42.6% | 69.5% | ||
| Q3 24 | 40.2% | 70.6% | ||
| Q2 24 | 40.0% | 70.7% | ||
| Q1 24 | 38.9% | 70.3% |
营业利润率PGYRPD
| Q4 25 | 24.8% | 1.0% | ||
| Q3 25 | 23.5% | 2.7% | ||
| Q2 25 | 17.8% | 1.6% | ||
| Q1 25 | 16.9% | -0.0% | ||
| Q4 24 | 11.5% | 3.4% | ||
| Q3 24 | 9.0% | 6.0% | ||
| Q2 24 | 2.1% | 2.5% | ||
| Q1 24 | 3.2% | 4.7% |
净利率PGYRPD
| Q4 25 | 10.7% | 1.4% | ||
| Q3 25 | 6.6% | 4.5% | ||
| Q2 25 | 5.2% | 3.9% | ||
| Q1 25 | 2.8% | 1.0% | ||
| Q4 24 | -86.3% | 1.0% | ||
| Q3 24 | -27.1% | 7.2% | ||
| Q2 24 | -30.8% | 3.1% | ||
| Q1 24 | -9.0% | 0.7% |
每股收益（稀释后）PGYRPD
| Q4 25 | $0.40 | $0.05 | ||
| Q3 25 | $0.23 | $0.15 | ||
| Q2 25 | $0.20 | $0.13 | ||
| Q1 25 | $0.10 | $0.03 | ||
| Q4 24 | $-3.36 | $0.08 | ||
| Q3 24 | $-0.93 | $0.21 | ||
| Q2 24 | $-1.04 | $0.09 | ||
| Q1 24 | $-0.33 | $0.02 |
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 | $474.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $480.0M | $154.7M |
| 总资产 | $1.5B | $1.7B |
| 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PGYRPD
| Q4 25 | $235.3M | $474.7M | ||
| Q3 25 | $218.3M | $407.1M | ||
| Q2 25 | $183.0M | $511.7M | ||
| Q1 25 | $186.8M | $493.5M | ||
| Q4 24 | $187.9M | $521.7M | ||
| Q3 24 | $147.1M | $443.7M | ||
| Q2 24 | $233.6M | $442.6M | ||
| Q1 24 | $274.5M | $411.7M |
总债务PGYRPD
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $317.9M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $230.2M | — | ||
| Q2 24 | $232.6M | — | ||
| Q1 24 | $235.0M | — |
股东权益PGYRPD
| Q4 25 | $480.0M | $154.7M | ||
| Q3 25 | $438.3M | $127.2M | ||
| Q2 25 | $366.8M | $90.4M | ||
| Q1 25 | $335.5M | $52.7M | ||
| Q4 24 | $326.5M | $17.7M | ||
| Q3 24 | $462.3M | $-5.1M | ||
| Q2 24 | $526.0M | $-52.6M | ||
| Q1 24 | $626.8M | $-86.4M |
总资产PGYRPD
| Q4 25 | $1.5B | $1.7B | ||
| Q3 25 | $1.5B | $1.7B | ||
| Q2 25 | $1.4B | $1.6B | ||
| Q1 25 | $1.3B | $1.6B | ||
| Q4 24 | $1.3B | $1.7B | ||
| Q3 24 | $1.4B | $1.6B | ||
| Q2 24 | $1.5B | $1.5B | ||
| Q1 24 | $1.5B | $1.5B |
负债/权益比PGYRPD
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.95× | — | ||
| Q4 24 | — | — | ||
| 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 | $37.6M |
| 自由现金流经营现金流 - 资本支出 | $76.7M | $36.4M |
| 自由现金流率自由现金流/营收 | 23.9% | 16.8% |
| 资本支出强度资本支出/营收 | 1.0% | 0.5% |
| 现金转化率经营现金流/净利润 | 2.33× | 12.01× |
| 过去12个月自由现金流最近4个季度 | $224.7M | $146.2M |
8季度趋势，按日历期对齐
经营现金流PGYRPD
| Q4 25 | $79.8M | $37.6M | ||
| Q3 25 | $67.0M | $39.0M | ||
| Q2 25 | $57.4M | $47.5M | ||
| Q1 25 | $34.4M | $29.8M | ||
| Q4 24 | $27.9M | $63.8M | ||
| Q3 24 | $-7.1M | $44.0M | ||
| Q2 24 | $9.3M | $32.9M | ||
| Q1 24 | $17.7M | $31.1M |
自由现金流PGYRPD
| Q4 25 | $76.7M | $36.4M | ||
| Q3 25 | $63.8M | $34.8M | ||
| Q2 25 | $53.5M | $46.6M | ||
| Q1 25 | $30.7M | $28.4M | ||
| Q4 24 | $23.9M | $62.6M | ||
| Q3 24 | $-11.3M | $42.6M | ||
| Q2 24 | $4.9M | $32.6M | ||
| Q1 24 | $12.6M | $30.4M |
自由现金流率PGYRPD
| Q4 25 | 23.9% | 16.8% | ||
| Q3 25 | 18.8% | 16.0% | ||
| Q2 25 | 16.9% | 21.8% | ||
| Q1 25 | 10.8% | 13.5% | ||
| Q4 24 | 8.7% | 28.9% | ||
| Q3 24 | -4.6% | 19.9% | ||
| Q2 24 | 2.0% | 15.7% | ||
| Q1 24 | 5.3% | 14.8% |
资本支出强度PGYRPD
| Q4 25 | 1.0% | 0.5% | ||
| Q3 25 | 1.0% | 1.9% | ||
| Q2 25 | 1.2% | 0.4% | ||
| Q1 25 | 1.3% | 0.6% | ||
| Q4 24 | 1.4% | 0.5% | ||
| Q3 24 | 1.7% | 0.6% | ||
| Q2 24 | 1.8% | 0.1% | ||
| Q1 24 | 2.2% | 0.3% |
现金转化率PGYRPD
| Q4 25 | 2.33× | 12.01× | ||
| Q3 25 | 2.97× | 3.97× | ||
| Q2 25 | 3.44× | 5.70× | ||
| Q1 25 | 4.36× | 14.14× | ||
| Q4 24 | — | 29.36× | ||
| Q3 24 | — | 2.85× | ||
| Q2 24 | — | 5.03× | ||
| Q1 24 | — | 22.10× |
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% |
RPD
| Products | $209.1M | 96% |
| Services | $8.2M | 4% |
