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Guidewire Software, Inc.（GWRE）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
Guidewire Software, Inc.的季度营收约是BRC Group Holdings, Inc.的1.8倍（$332.6M vs $188.3M），BRC Group Holdings, Inc.净利率更高（47.9% vs 9.4%，领先38.5%），Guidewire Software, Inc.同比增速更快（26.5% vs -21.9%），过去两年Guidewire Software, Inc.的营收复合增速更高（17.5% vs -15.4%）
Guidewire Software是总部位于美国加利福尼亚州圣马特奥的软件企业，面向美国及全球的财产与意外伤害保险经营机构提供专业行业平台，支持险企优化业务流程、推进数字化升级，满足保险行业的各类专业化运营需求。
GWRE vs RILY — 直观对比
营收规模更大
GWRE
是对方的1.8倍
$188.3M
营收增速更快
GWRE
高出48.4%
-21.9%
净利率更高
RILY
高出38.5%
9.4%
两年增速更快
GWRE
近两年复合增速
-15.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $332.6M | $188.3M |
| 净利润 | $31.3M | $90.3M |
| 毛利率 | 63.0% | 79.5% |
| 营业利润率 | 5.6% | 32.3% |
| 净利率 | 9.4% | 47.9% |
| 营收同比 | 26.5% | -21.9% |
| 净利润同比 | 242.6% | 1710.8% |
| 每股收益（稀释后） | $0.36 | $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GWRERILY
| Q4 25 | $332.6M | $188.3M | ||
| Q3 25 | $356.6M | $215.3M | ||
| Q2 25 | $293.5M | $188.2M | ||
| Q1 25 | $289.5M | $197.2M | ||
| Q4 24 | $262.9M | $241.0M | ||
| Q3 24 | $291.5M | $225.5M | ||
| Q2 24 | $240.7M | $256.0M | ||
| Q1 24 | $240.9M | $263.4M |
净利润GWRERILY
| Q4 25 | $31.3M | $90.3M | ||
| Q3 25 | $52.0M | $91.1M | ||
| Q2 25 | $46.0M | $139.5M | ||
| Q1 25 | $-37.3M | $-10.0M | ||
| Q4 24 | $9.1M | $-5.6M | ||
| Q3 24 | $16.8M | $-284.4M | ||
| Q2 24 | $-5.5M | $-433.6M | ||
| Q1 24 | $9.7M | $-49.2M |
毛利率GWRERILY
| Q4 25 | 63.0% | 79.5% | ||
| Q3 25 | 65.0% | 83.7% | ||
| Q2 25 | 62.2% | 81.3% | ||
| Q1 25 | 61.9% | 81.4% | ||
| Q4 24 | 60.2% | 79.8% | ||
| Q3 24 | 64.0% | 82.1% | ||
| Q2 24 | 59.1% | 84.5% | ||
| Q1 24 | 59.1% | 85.3% |
营业利润率GWRERILY
| Q4 25 | 5.6% | 32.3% | ||
| Q3 25 | 8.3% | 30.4% | ||
| Q2 25 | 1.5% | 5.7% | ||
| Q1 25 | 4.0% | -31.2% | ||
| Q4 24 | -1.8% | -69.2% | ||
| Q3 24 | 3.5% | -36.4% | ||
| Q2 24 | -6.9% | -90.8% | ||
| Q1 24 | -5.2% | -6.1% |
净利率GWRERILY
| Q4 25 | 9.4% | 47.9% | ||
| Q3 25 | 14.6% | 42.3% | ||
| Q2 25 | 15.7% | 74.1% | ||
| Q1 25 | -12.9% | -5.1% | ||
| Q4 24 | 3.5% | -2.3% | ||
| Q3 24 | 5.7% | -126.1% | ||
| Q2 24 | -2.3% | -169.4% | ||
| Q1 24 | 4.0% | -18.7% |
每股收益（稀释后）GWRERILY
| Q4 25 | $0.36 | $2.78 | ||
| Q3 25 | $0.61 | $2.91 | ||
| Q2 25 | $0.54 | $4.50 | ||
| Q1 25 | $-0.45 | $-0.39 | ||
| Q4 24 | $0.11 | $-0.01 | ||
| Q3 24 | $0.21 | $-9.39 | ||
| Q2 24 | $-0.07 | $-14.35 | ||
| Q1 24 | $0.12 | $-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 | $1.0B | $226.6M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $1.5B | $-171.5M |
| 总资产 | $2.6B | $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GWRERILY
| Q4 25 | $1.0B | $226.6M | ||
| Q3 25 | $1.1B | $184.2M | ||
| Q2 25 | $920.4M | $267.4M | ||
| Q1 25 | $1.2B | $138.3M | ||
| Q4 24 | $1.3B | $146.9M | ||
| Q3 24 | $1.0B | $159.2M | ||
| Q2 24 | $782.3M | $236.9M | ||
| Q1 24 | $777.6M | $190.7M |
总债务GWRERILY
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | $398.9M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益GWRERILY
| Q4 25 | $1.5B | $-171.5M | ||
| Q3 25 | $1.5B | $-260.5M | ||
| Q2 25 | $1.4B | $-351.7M | ||
| Q1 25 | $1.3B | $-496.8M | ||
| Q4 24 | $1.3B | $-488.2M | ||
| Q3 24 | $1.3B | $-497.6M | ||
| Q2 24 | $1.3B | $-218.3M | ||
| Q1 24 | $1.3B | $228.4M |
总资产GWRERILY
| Q4 25 | $2.6B | $1.7B | ||
| Q3 25 | $2.7B | $1.7B | ||
| Q2 25 | $2.5B | $1.5B | ||
| Q1 25 | $2.5B | $1.5B | ||
| Q4 24 | $2.6B | $1.8B | ||
| Q3 24 | $2.2B | $2.2B | ||
| Q2 24 | $2.0B | $3.2B | ||
| Q1 24 | $2.0B | $5.0B |
负债/权益比GWRERILY
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-67.4M | $26.2M |
| 自由现金流经营现金流 - 资本支出 | $-72.3M | — |
| 自由现金流率自由现金流/营收 | -21.7% | — |
| 资本支出强度资本支出/营收 | 1.5% | — |
| 现金转化率经营现金流/净利润 | -2.15× | 0.29× |
| 过去12个月自由现金流最近4个季度 | $286.0M | — |
8季度趋势，按日历期对齐
经营现金流GWRERILY
| Q4 25 | $-67.4M | $26.2M | ||
| Q3 25 | $244.8M | $-60.6M | ||
| Q2 25 | $32.4M | $-25.6M | ||
| Q1 25 | $86.0M | $184.0K | ||
| Q4 24 | $-62.3M | $-2.7M | ||
| Q3 24 | $193.8M | $19.5M | ||
| Q2 24 | $4.8M | $111.5M | ||
| Q1 24 | $69.3M | $135.4M |
自由现金流GWRERILY
| Q4 25 | $-72.3M | — | ||
| Q3 25 | $241.4M | — | ||
| Q2 25 | $31.6M | — | ||
| Q1 25 | $85.2M | — | ||
| Q4 24 | $-63.1M | — | ||
| Q3 24 | $192.1M | — | ||
| Q2 24 | $4.1M | — | ||
| Q1 24 | $66.3M | — |
自由现金流率GWRERILY
| Q4 25 | -21.7% | — | ||
| Q3 25 | 67.7% | — | ||
| Q2 25 | 10.8% | — | ||
| Q1 25 | 29.4% | — | ||
| Q4 24 | -24.0% | — | ||
| Q3 24 | 65.9% | — | ||
| Q2 24 | 1.7% | — | ||
| Q1 24 | 27.5% | — |
资本支出强度GWRERILY
| Q4 25 | 1.5% | — | ||
| Q3 25 | 1.0% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 1.2% | — |
现金转化率GWRERILY
| Q4 25 | -2.15× | 0.29× | ||
| Q3 25 | 4.71× | -0.66× | ||
| Q2 25 | 0.70× | -0.18× | ||
| Q1 25 | — | — | ||
| Q4 24 | -6.82× | — | ||
| Q3 24 | 11.56× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 7.15× | — |
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
GWRE
| Subscription | $222.7M | 67% |
| Services | $62.4M | 19% |
| Other | $33.1M | 10% |
| Support | $14.5M | 4% |
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% |
