vs
EverQuote, Inc.（EVER）与BRC Group Holdings, Inc.（RILY）财务数据对比。点击上方公司名可切换其他公司
EverQuote, Inc.的季度营收约是BRC Group Holdings, Inc.的1.0倍（$195.3M vs $188.3M），BRC Group Holdings, Inc.净利率更高（47.9% vs 29.6%，领先18.4%），EverQuote, Inc.同比增速更快（32.5% vs -21.9%），过去两年EverQuote, Inc.的营收复合增速更高（46.5% vs -15.4%）
EverQuote, Inc.是一家创立于2011年的在线保险比价交易平台，总部位于美国马萨诸塞州剑桥市，致力于连接保险消费者与合适的保险服务商，为用户提供便捷的线上保险选购对接服务。
EVER vs RILY — 直观对比
营收规模更大
EVER
是对方的1.0倍
$188.3M
营收增速更快
EVER
高出54.3%
-21.9%
净利率更高
RILY
高出18.4%
29.6%
两年增速更快
EVER
近两年复合增速
-15.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $195.3M | $188.3M |
| 净利润 | $57.8M | $90.3M |
| 毛利率 | 97.7% | 79.5% |
| 营业利润率 | 9.5% | 32.3% |
| 净利率 | 29.6% | 47.9% |
| 营收同比 | 32.5% | -21.9% |
| 净利润同比 | 369.3% | 1710.8% |
| 每股收益（稀释后） | $1.53 | $2.78 |
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EVERRILY
| Q4 25 | $195.3M | $188.3M | ||
| Q3 25 | $173.9M | $215.3M | ||
| Q2 25 | $156.6M | $188.2M | ||
| Q1 25 | $166.6M | $197.2M | ||
| Q4 24 | $147.5M | $241.0M | ||
| Q3 24 | $144.5M | $225.5M | ||
| Q2 24 | $117.1M | $256.0M | ||
| Q1 24 | $91.1M | $263.4M |
净利润EVERRILY
| Q4 25 | $57.8M | $90.3M | ||
| Q3 25 | $18.9M | $91.1M | ||
| Q2 25 | $14.7M | $139.5M | ||
| Q1 25 | $8.0M | $-10.0M | ||
| Q4 24 | $12.3M | $-5.6M | ||
| Q3 24 | $11.6M | $-284.4M | ||
| Q2 24 | $6.4M | $-433.6M | ||
| Q1 24 | $1.9M | $-49.2M |
毛利率EVERRILY
| Q4 25 | 97.7% | 79.5% | ||
| Q3 25 | 97.3% | 83.7% | ||
| Q2 25 | 96.9% | 81.3% | ||
| Q1 25 | 96.8% | 81.4% | ||
| Q4 24 | 96.3% | 79.8% | ||
| Q3 24 | 96.2% | 82.1% | ||
| Q2 24 | 95.7% | 84.5% | ||
| Q1 24 | 94.5% | 85.3% |
营业利润率EVERRILY
| Q4 25 | 9.5% | 32.3% | ||
| Q3 25 | 10.1% | 30.4% | ||
| Q2 25 | 9.0% | 5.7% | ||
| Q1 25 | 4.8% | -31.2% | ||
| Q4 24 | 8.2% | -69.2% | ||
| Q3 24 | 8.1% | -36.4% | ||
| Q2 24 | 5.4% | -90.8% | ||
| Q1 24 | 1.9% | -6.1% |
净利率EVERRILY
| Q4 25 | 29.6% | 47.9% | ||
| Q3 25 | 10.8% | 42.3% | ||
| Q2 25 | 9.4% | 74.1% | ||
| Q1 25 | 4.8% | -5.1% | ||
| Q4 24 | 8.3% | -2.3% | ||
| Q3 24 | 8.0% | -126.1% | ||
| Q2 24 | 5.5% | -169.4% | ||
| Q1 24 | 2.1% | -18.7% |
每股收益（稀释后）EVERRILY
| Q4 25 | $1.53 | $2.78 | ||
| Q3 25 | $0.50 | $2.91 | ||
| Q2 25 | $0.39 | $4.50 | ||
| Q1 25 | $0.21 | $-0.39 | ||
| Q4 24 | $0.35 | $-0.01 | ||
| Q3 24 | $0.31 | $-9.39 | ||
| Q2 24 | $0.17 | $-14.35 | ||
| Q1 24 | $0.05 | $-1.71 |
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 | $171.4M | $226.6M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $238.0M | $-171.5M |
| 总资产 | $326.9M | $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EVERRILY
| Q4 25 | $171.4M | $226.6M | ||
| Q3 25 | $145.8M | $184.2M | ||
| Q2 25 | $148.2M | $267.4M | ||
| Q1 25 | $125.0M | $138.3M | ||
| Q4 24 | $102.1M | $146.9M | ||
| Q3 24 | $82.8M | $159.2M | ||
| Q2 24 | $60.9M | $236.9M | ||
| Q1 24 | $48.6M | $190.7M |
总债务EVERRILY
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益EVERRILY
| Q4 25 | $238.0M | $-171.5M | ||
| Q3 25 | $174.9M | $-260.5M | ||
| Q2 25 | $170.3M | $-351.7M | ||
| Q1 25 | $149.5M | $-496.8M | ||
| Q4 24 | $135.4M | $-488.2M | ||
| Q3 24 | $117.7M | $-497.6M | ||
| Q2 24 | $100.8M | $-218.3M | ||
| Q1 24 | $88.3M | $228.4M |
总资产EVERRILY
| Q4 25 | $326.9M | $1.7B | ||
| Q3 25 | $256.1M | $1.7B | ||
| Q2 25 | $241.4M | $1.5B | ||
| Q1 25 | $232.1M | $1.5B | ||
| Q4 24 | $210.5M | $1.8B | ||
| Q3 24 | $180.5M | $2.2B | ||
| Q2 24 | $158.0M | $3.2B | ||
| Q1 24 | $135.4M | $5.0B |
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 | $27.0M | $26.2M |
| 自由现金流经营现金流 - 资本支出 | $25.8M | — |
| 自由现金流率自由现金流/营收 | 13.2% | — |
| 资本支出强度资本支出/营收 | 0.6% | — |
| 现金转化率经营现金流/净利润 | 0.47× | 0.29× |
| 过去12个月自由现金流最近4个季度 | $90.3M | — |
8季度趋势，按日历期对齐
经营现金流EVERRILY
| Q4 25 | $27.0M | $26.2M | ||
| Q3 25 | $19.8M | $-60.6M | ||
| Q2 25 | $25.3M | $-25.6M | ||
| Q1 25 | $23.3M | $184.0K | ||
| Q4 24 | $20.1M | $-2.7M | ||
| Q3 24 | $23.6M | $19.5M | ||
| Q2 24 | $12.4M | $111.5M | ||
| Q1 24 | $10.4M | $135.4M |
自由现金流EVERRILY
| Q4 25 | $25.8M | — | ||
| Q3 25 | $18.5M | — | ||
| Q2 25 | $23.8M | — | ||
| Q1 25 | $22.2M | — | ||
| Q4 24 | $19.1M | — | ||
| Q3 24 | $22.1M | — | ||
| Q2 24 | $11.5M | — | ||
| Q1 24 | $9.7M | — |
自由现金流率EVERRILY
| Q4 25 | 13.2% | — | ||
| Q3 25 | 10.6% | — | ||
| Q2 25 | 15.2% | — | ||
| Q1 25 | 13.3% | — | ||
| Q4 24 | 13.0% | — | ||
| Q3 24 | 15.3% | — | ||
| Q2 24 | 9.8% | — | ||
| Q1 24 | 10.6% | — |
资本支出强度EVERRILY
| Q4 25 | 0.6% | — | ||
| Q3 25 | 0.7% | — | ||
| Q2 25 | 0.9% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 0.7% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 0.7% | — | ||
| Q1 24 | 0.8% | — |
现金转化率EVERRILY
| Q4 25 | 0.47× | 0.29× | ||
| Q3 25 | 1.05× | -0.66× | ||
| Q2 25 | 1.72× | -0.18× | ||
| Q1 25 | 2.92× | — | ||
| Q4 24 | 1.64× | — | ||
| Q3 24 | 2.04× | — | ||
| Q2 24 | 1.93× | — | ||
| Q1 24 | 5.47× | — |
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
EVER
| Automotive | $179.9M | 92% |
| Home And Renters | $15.4M | 8% |
RILY
| Transferred At Point In Time | $101.4M | 54% |
| Wealth Management Segment | $30.7M | 16% |
| Corporate Finance Consulting And Investment Banking Fees | $27.1M | 14% |
| Services And Fees | $24.8M | 13% |
| Commissions Fees And Reimbursed Expenses | $4.8M | 3% |
