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Pagaya Technologies Ltd.（PGY）与Revolve Group, Inc.（RVLV）财务数据对比。点击上方公司名可切换其他公司
Revolve Group, Inc.的季度营收约是Pagaya Technologies Ltd.的1.0倍（$324.4M vs $321.0M），Pagaya Technologies Ltd.净利率更高（10.7% vs 5.7%，领先5.0%），Pagaya Technologies Ltd.同比增速更快（16.5% vs 10.4%），Pagaya Technologies Ltd.自由现金流更多（$76.7M vs $-13.3M），过去两年Pagaya Technologies Ltd.的营收复合增速更高（16.4% vs 9.5%）
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。
Revolve Theatre Company是总部位于英国泰晤士河畔亨利的剧团，专注于创作演出政治题材和莎士比亚系列戏剧作品，由奥利弗·登奇、乔·莫里斯与汤姆·史密斯共同创立运营。
PGY vs RVLV — 直观对比
营收规模更大
RVLV
是对方的1.0倍
$321.0M
营收增速更快
PGY
高出6.0%
10.4%
净利率更高
PGY
高出5.0%
5.7%
自由现金流更多
PGY
多$90.0M
$-13.3M
两年增速更快
PGY
近两年复合增速
9.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $321.0M | $324.4M |
| 净利润 | $34.3M | $18.6M |
| 毛利率 | 40.8% | 53.3% |
| 营业利润率 | 24.8% | 6.3% |
| 净利率 | 10.7% | 5.7% |
| 营收同比 | 16.5% | 10.4% |
| 净利润同比 | 114.4% | 50.4% |
| 每股收益（稀释后） | $0.40 | $0.27 |
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PGYRVLV
| Q4 25 | $321.0M | $324.4M | ||
| Q3 25 | $339.9M | $295.6M | ||
| Q2 25 | $317.7M | $309.0M | ||
| Q1 25 | $282.7M | $296.7M | ||
| Q4 24 | $275.7M | $293.7M | ||
| Q3 24 | $249.3M | $283.1M | ||
| Q2 24 | $242.6M | $282.5M | ||
| Q1 24 | $237.0M | $270.6M |
净利润PGYRVLV
| Q4 25 | $34.3M | $18.6M | ||
| Q3 25 | $22.5M | $21.2M | ||
| Q2 25 | $16.7M | $10.2M | ||
| Q1 25 | $7.9M | $11.8M | ||
| Q4 24 | $-237.9M | $12.3M | ||
| Q3 24 | $-67.5M | $11.0M | ||
| Q2 24 | $-74.8M | $15.4M | ||
| Q1 24 | $-21.2M | $10.9M |
毛利率PGYRVLV
| Q4 25 | 40.8% | 53.3% | ||
| Q3 25 | 41.0% | 54.6% | ||
| Q2 25 | 39.7% | 54.1% | ||
| Q1 25 | 40.9% | 52.0% | ||
| Q4 24 | 42.6% | 52.5% | ||
| Q3 24 | 40.2% | 51.2% | ||
| Q2 24 | 40.0% | 54.0% | ||
| Q1 24 | 38.9% | 52.3% |
营业利润率PGYRVLV
| Q4 25 | 24.8% | 6.3% | ||
| Q3 25 | 23.5% | 7.1% | ||
| Q2 25 | 17.8% | 5.8% | ||
| Q1 25 | 16.9% | 5.0% | ||
| Q4 24 | 11.5% | 3.9% | ||
| Q3 24 | 9.0% | 5.0% | ||
| Q2 24 | 2.1% | 5.8% | ||
| Q1 24 | 3.2% | 3.4% |
净利率PGYRVLV
| Q4 25 | 10.7% | 5.7% | ||
| Q3 25 | 6.6% | 7.2% | ||
| Q2 25 | 5.2% | 3.3% | ||
| Q1 25 | 2.8% | 4.0% | ||
| Q4 24 | -86.3% | 4.2% | ||
| Q3 24 | -27.1% | 3.9% | ||
| Q2 24 | -30.8% | 5.4% | ||
| Q1 24 | -9.0% | 4.0% |
每股收益（稀释后）PGYRVLV
| Q4 25 | $0.40 | $0.27 | ||
| Q3 25 | $0.23 | $0.29 | ||
| Q2 25 | $0.20 | $0.14 | ||
| Q1 25 | $0.10 | $0.16 | ||
| Q4 24 | $-3.36 | $0.18 | ||
| Q3 24 | $-0.93 | $0.15 | ||
| Q2 24 | $-1.04 | $0.21 | ||
| Q1 24 | $-0.33 | $0.15 |
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 | $292.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $480.0M | $512.5M |
| 总资产 | $1.5B | $765.0M |
| 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PGYRVLV
| Q4 25 | $235.3M | $292.3M | ||
| Q3 25 | $218.3M | $315.4M | ||
| Q2 25 | $183.0M | $310.7M | ||
| Q1 25 | $186.8M | $300.8M | ||
| Q4 24 | $187.9M | $256.6M | ||
| Q3 24 | $147.1M | $252.8M | ||
| Q2 24 | $233.6M | $244.7M | ||
| Q1 24 | $274.5M | $273.4M |
总债务PGYRVLV
| 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PGYRVLV
| Q4 25 | $480.0M | $512.5M | ||
| Q3 25 | $438.3M | $490.2M | ||
| Q2 25 | $366.8M | $468.6M | ||
| Q1 25 | $335.5M | $453.4M | ||
| Q4 24 | $326.5M | $437.8M | ||
| Q3 24 | $462.3M | $420.8M | ||
| Q2 24 | $526.0M | $405.8M | ||
| Q1 24 | $626.8M | $389.9M |
总资产PGYRVLV
| Q4 25 | $1.5B | $765.0M | ||
| Q3 25 | $1.5B | $751.3M | ||
| Q2 25 | $1.4B | $722.9M | ||
| Q1 25 | $1.3B | $713.9M | ||
| Q4 24 | $1.3B | $665.5M | ||
| Q3 24 | $1.4B | $670.9M | ||
| Q2 24 | $1.5B | $657.8M | ||
| Q1 24 | $1.5B | $650.0M |
负债/权益比PGYRVLV
| 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 | $-10.2M |
| 自由现金流经营现金流 - 资本支出 | $76.7M | $-13.3M |
| 自由现金流率自由现金流/营收 | 23.9% | -4.1% |
| 资本支出强度资本支出/营收 | 1.0% | 1.0% |
| 现金转化率经营现金流/净利润 | 2.33× | -0.55× |
| 过去12个月自由现金流最近4个季度 | $224.7M | $48.0M |
8季度趋势，按日历期对齐
经营现金流PGYRVLV
| Q4 25 | $79.8M | $-10.2M | ||
| Q3 25 | $67.0M | $11.8M | ||
| Q2 25 | $57.4M | $12.6M | ||
| Q1 25 | $34.4M | $45.1M | ||
| Q4 24 | $27.9M | $3.9M | ||
| Q3 24 | $-7.1M | $9.1M | ||
| Q2 24 | $9.3M | $-24.7M | ||
| Q1 24 | $17.7M | $38.4M |
自由现金流PGYRVLV
| Q4 25 | $76.7M | $-13.3M | ||
| Q3 25 | $63.8M | $7.5M | ||
| Q2 25 | $53.5M | $10.4M | ||
| Q1 25 | $30.7M | $43.4M | ||
| Q4 24 | $23.9M | $2.1M | ||
| Q3 24 | $-11.3M | $8.0M | ||
| Q2 24 | $4.9M | $-25.7M | ||
| Q1 24 | $12.6M | $36.7M |
自由现金流率PGYRVLV
| Q4 25 | 23.9% | -4.1% | ||
| Q3 25 | 18.8% | 2.5% | ||
| Q2 25 | 16.9% | 3.4% | ||
| Q1 25 | 10.8% | 14.6% | ||
| Q4 24 | 8.7% | 0.7% | ||
| Q3 24 | -4.6% | 2.8% | ||
| Q2 24 | 2.0% | -9.1% | ||
| Q1 24 | 5.3% | 13.5% |
资本支出强度PGYRVLV
| Q4 25 | 1.0% | 1.0% | ||
| Q3 25 | 1.0% | 1.5% | ||
| Q2 25 | 1.2% | 0.7% | ||
| Q1 25 | 1.3% | 0.6% | ||
| Q4 24 | 1.4% | 0.6% | ||
| Q3 24 | 1.7% | 0.4% | ||
| Q2 24 | 1.8% | 0.4% | ||
| Q1 24 | 2.2% | 0.6% |
现金转化率PGYRVLV
| Q4 25 | 2.33× | -0.55× | ||
| Q3 25 | 2.97× | 0.56× | ||
| Q2 25 | 3.44× | 1.24× | ||
| Q1 25 | 4.36× | 3.82× | ||
| Q4 24 | — | 0.32× | ||
| Q3 24 | — | 0.83× | ||
| Q2 24 | — | -1.60× | ||
| Q1 24 | — | 3.53× |
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% |
RVLV
| Fashion Apparel | $155.1M | 48% |
| Dresses | $76.4M | 24% |
| Handbags Shoes And Accessories | $67.6M | 21% |
| Beauty | $20.3M | 6% |
| Manufactured Product Other | $5.0M | 2% |
| Breakage On Store Credit And Gift Cards | $900.0K | 0% |
