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Cardlytics, Inc.（CDLX）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
Cardlytics, Inc.的季度营收约是RBB Bancorp的1.6倍（$50.9M vs $32.3M），RBB Bancorp同比增速更快（12.6% vs -25.5%），RBB Bancorp自由现金流更多（$42.6M vs $13.0M），过去两年RBB Bancorp的营收复合增速更高（7.0% vs -9.6%）
Cardlytics是一家领先的购买智能与广告技术企业，与多家大型银行合作分析匿名消费者交易数据，为消费品牌、零售商及服务商提供基于真实消费行为的精准效果广告投放服务，核心业务覆盖北美与英国地区。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
CDLX vs RBB — 直观对比
营收规模更大
CDLX
是对方的1.6倍
$32.3M
营收增速更快
RBB
高出38.0%
-25.5%
自由现金流更多
RBB
多$29.6M
$13.0M
两年增速更快
RBB
近两年复合增速
-9.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $50.9M | $32.3M |
| 净利润 | — | $10.2M |
| 毛利率 | — | — |
| 营业利润率 | -12.0% | 39.5% |
| 净利率 | — | 31.5% |
| 营收同比 | -25.5% | 12.6% |
| 净利润同比 | — | 132.1% |
| 每股收益（稀释后） | $-0.15 | $0.59 |
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CDLXRBB
| Q4 25 | $50.9M | $32.3M | ||
| Q3 25 | $47.0M | $32.6M | ||
| Q2 25 | $58.0M | $35.8M | ||
| Q1 25 | $56.4M | $28.5M | ||
| Q4 24 | $68.3M | $28.7M | ||
| Q3 24 | $61.1M | $30.3M | ||
| Q2 24 | $64.0M | $27.5M | ||
| Q1 24 | $62.2M | $28.2M |
净利润CDLXRBB
| Q4 25 | — | $10.2M | ||
| Q3 25 | $-72.7M | $10.1M | ||
| Q2 25 | $-9.3M | $9.3M | ||
| Q1 25 | $-13.3M | $2.3M | ||
| Q4 24 | — | $4.4M | ||
| Q3 24 | $-145.2M | $7.0M | ||
| Q2 24 | $-4.3M | $7.2M | ||
| Q1 24 | $-24.3M | $8.0M |
营业利润率CDLXRBB
| Q4 25 | -12.0% | 39.5% | ||
| Q3 25 | -146.6% | 40.7% | ||
| Q2 25 | -22.0% | 36.1% | ||
| Q1 25 | -24.9% | 11.2% | ||
| Q4 24 | -12.2% | 17.6% | ||
| Q3 24 | -243.1% | 31.6% | ||
| Q2 24 | -24.7% | 35.6% | ||
| Q1 24 | -36.7% | 39.9% |
净利率CDLXRBB
| Q4 25 | — | 31.5% | ||
| Q3 25 | -154.7% | 31.2% | ||
| Q2 25 | -16.0% | 26.1% | ||
| Q1 25 | -23.5% | 8.0% | ||
| Q4 24 | — | 15.3% | ||
| Q3 24 | -237.6% | 23.1% | ||
| Q2 24 | -6.7% | 26.4% | ||
| Q1 24 | -39.0% | 28.4% |
每股收益（稀释后）CDLXRBB
| Q4 25 | $-0.15 | $0.59 | ||
| Q3 25 | $-1.36 | $0.59 | ||
| Q2 25 | $-0.18 | $0.52 | ||
| Q1 25 | $-0.26 | $0.13 | ||
| Q4 24 | $-0.36 | $0.26 | ||
| Q3 24 | $-2.90 | $0.39 | ||
| Q2 24 | $-0.09 | $0.39 | ||
| Q1 24 | $-0.56 | $0.43 |
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 | $48.7M | $212.3M |
| 总债务越低越好 | $212.6M | $119.9M |
| 股东权益账面价值 | $-6.5M | $523.4M |
| 总资产 | $285.6M | $4.2B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资CDLXRBB
| Q4 25 | $48.7M | $212.3M | ||
| Q3 25 | $44.0M | $234.9M | ||
| Q2 25 | $46.7M | $191.9M | ||
| Q1 25 | $52.0M | $238.8M | ||
| Q4 24 | $65.6M | $257.7M | ||
| Q3 24 | $67.0M | $349.4M | ||
| Q2 24 | $71.2M | $252.8M | ||
| Q1 24 | $97.8M | — |
总债务CDLXRBB
| Q4 25 | $212.6M | $119.9M | ||
| Q3 25 | $214.6M | $119.8M | ||
| Q2 25 | $214.3M | $119.7M | ||
| Q1 25 | $213.9M | $119.6M | ||
| Q4 24 | $213.6M | $119.5M | ||
| Q3 24 | $213.2M | $119.4M | ||
| Q2 24 | $212.9M | $119.3M | ||
| Q1 24 | $257.9M | $119.2M |
股东权益CDLXRBB
| Q4 25 | $-6.5M | $523.4M | ||
| Q3 25 | $-4.7M | $514.3M | ||
| Q2 25 | $58.7M | $517.7M | ||
| Q1 25 | $64.1M | $510.3M | ||
| Q4 24 | $70.0M | $507.9M | ||
| Q3 24 | $69.7M | $509.7M | ||
| Q2 24 | $210.0M | $511.3M | ||
| Q1 24 | $199.1M | $514.0M |
总资产CDLXRBB
| Q4 25 | $285.6M | $4.2B | ||
| Q3 25 | $292.8M | $4.2B | ||
| Q2 25 | $361.1M | $4.1B | ||
| Q1 25 | $369.1M | $4.0B | ||
| Q4 24 | $392.7M | $4.0B | ||
| Q3 24 | $399.4M | $4.0B | ||
| Q2 24 | $534.4M | $3.9B | ||
| Q1 24 | $569.0M | $3.9B |
负债/权益比CDLXRBB
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | 3.65× | 0.23× | ||
| Q1 25 | 3.34× | 0.23× | ||
| Q4 24 | 3.05× | 0.24× | ||
| Q3 24 | 3.06× | 0.23× | ||
| Q2 24 | 1.01× | 0.23× | ||
| Q1 24 | 1.29× | 0.23× |
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 | $13.0M | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $13.0M | $42.6M |
| 自由现金流率自由现金流/营收 | 25.5% | 131.8% |
| 资本支出强度资本支出/营收 | 0.0% | 2.5% |
| 现金转化率经营现金流/净利润 | — | 4.26× |
| 过去12个月自由现金流最近4个季度 | $8.8M | $73.5M |
8季度趋势，按日历期对齐
经营现金流CDLXRBB
| Q4 25 | $13.0M | $43.4M | ||
| Q3 25 | $1.8M | $2.1M | ||
| Q2 25 | $1.2M | $21.7M | ||
| Q1 25 | $-6.7M | $7.8M | ||
| Q4 24 | $3.0M | $58.5M | ||
| Q3 24 | $1.4M | $24.5M | ||
| Q2 24 | $4.4M | $11.7M | ||
| Q1 24 | $-17.6M | $4.8M |
自由现金流CDLXRBB
| Q4 25 | $13.0M | $42.6M | ||
| Q3 25 | $1.7M | $1.8M | ||
| Q2 25 | $903.0K | $21.6M | ||
| Q1 25 | $-6.8M | $7.6M | ||
| Q4 24 | $2.9M | $57.7M | ||
| Q3 24 | $878.0K | $24.2M | ||
| Q2 24 | $4.1M | $11.5M | ||
| Q1 24 | $-18.3M | $4.7M |
自由现金流率CDLXRBB
| Q4 25 | 25.5% | 131.8% | ||
| Q3 25 | 3.7% | 5.4% | ||
| Q2 25 | 1.6% | 60.2% | ||
| Q1 25 | -12.1% | 26.7% | ||
| Q4 24 | 4.2% | 201.0% | ||
| Q3 24 | 1.4% | 80.0% | ||
| Q2 24 | 6.5% | 42.0% | ||
| Q1 24 | -29.4% | 16.6% |
资本支出强度CDLXRBB
| Q4 25 | 0.0% | 2.5% | ||
| Q3 25 | 0.0% | 1.1% | ||
| Q2 25 | 0.6% | 0.3% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | 0.2% | 2.7% | ||
| Q3 24 | 0.8% | 0.8% | ||
| Q2 24 | 0.4% | 0.5% | ||
| Q1 24 | 1.0% | 0.5% |
现金转化率CDLXRBB
| Q4 25 | — | 4.26× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | — | 2.32× | ||
| Q1 25 | — | 3.39× | ||
| Q4 24 | — | 13.34× | ||
| Q3 24 | — | 3.50× | ||
| Q2 24 | — | 1.61× | ||
| Q1 24 | — | 0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
