vs
loanDepot, Inc.（LDI）与Ribbon Communications Inc.（RBBN）财务数据对比。点击上方公司名可切换其他公司
loanDepot, Inc.的季度营收约是Ribbon Communications Inc.的1.9倍（$310.3M vs $162.6M），Ribbon Communications Inc.净利率更高（54.8% vs -7.2%，领先62.0%），loanDepot, Inc.同比增速更快（20.5% vs -10.3%），过去两年loanDepot, Inc.的营收复合增速更高（18.0% vs -8.1%）
loanDepot, Inc.是一家总部位于美国加利福尼亚州欧文市的非银行控股公司，主营抵押贷款及其他非抵押类贷款产品的销售业务，是美国市场上颇具规模的消费信贷服务提供商。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
LDI vs RBBN — 直观对比
营收规模更大
LDI
是对方的1.9倍
$162.6M
营收增速更快
LDI
高出30.8%
-10.3%
净利率更高
RBBN
高出62.0%
-7.2%
两年增速更快
LDI
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $310.3M | $162.6M |
| 净利润 | $-22.5M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | -10.3% | 37.6% |
| 净利率 | -7.2% | 54.8% |
| 营收同比 | 20.5% | -10.3% |
| 净利润同比 | 32.4% | — |
| 每股收益（稀释后） | — | $0.50 |
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LDIRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $310.3M | $227.3M | ||
| Q3 25 | $323.3M | $215.4M | ||
| Q2 25 | $282.5M | $220.6M | ||
| Q1 25 | $273.6M | $181.3M | ||
| Q4 24 | $257.5M | $251.4M | ||
| Q3 24 | $314.6M | $210.2M | ||
| Q2 24 | $265.4M | $192.6M |
净利润LDIRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | $-22.5M | — | ||
| Q3 25 | $-4.9M | $-12.1M | ||
| Q2 25 | $-13.4M | $-11.1M | ||
| Q1 25 | $-21.9M | $-26.2M | ||
| Q4 24 | $-33.2M | — | ||
| Q3 24 | $1.4M | $-13.4M | ||
| Q2 24 | $-32.2M | $-16.8M |
毛利率LDIRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率LDIRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | -10.3% | 4.1% | ||
| Q3 25 | -3.2% | 1.3% | ||
| Q2 25 | -11.4% | 1.9% | ||
| Q1 25 | -16.8% | -10.8% | ||
| Q4 24 | -32.7% | 13.2% | ||
| Q3 24 | 1.1% | -0.4% | ||
| Q2 24 | -29.1% | -1.0% |
净利率LDIRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | -7.2% | — | ||
| Q3 25 | -1.5% | -5.6% | ||
| Q2 25 | -4.7% | -5.0% | ||
| Q1 25 | -8.0% | -14.5% | ||
| Q4 24 | -12.9% | — | ||
| Q3 24 | 0.4% | -6.4% | ||
| Q2 24 | -12.1% | -8.7% |
每股收益（稀释后）LDIRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | — | $0.50 | ||
| Q3 25 | — | $-0.07 | ||
| Q2 25 | — | $-0.06 | ||
| Q1 25 | — | $-0.15 | ||
| Q4 24 | — | $0.05 | ||
| Q3 24 | $0.01 | $-0.08 | ||
| Q2 24 | $-0.18 | $-0.10 |
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 | $337.2M | $67.6M |
| 总债务越低越好 | $2.1B | — |
| 股东权益账面价值 | $386.0M | $419.1M |
| 总资产 | $6.9B | — |
| 负债/权益比越低杠杆越低 | 5.44× | — |
8季度趋势，按日历期对齐
现金及短期投资LDIRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | $337.2M | $96.4M | ||
| Q3 25 | $459.2M | $74.8M | ||
| Q2 25 | $408.6M | $60.5M | ||
| Q1 25 | $371.5M | $71.2M | ||
| Q4 24 | $421.6M | $87.8M | ||
| Q3 24 | $483.0M | $37.2M | ||
| Q2 24 | $533.2M | $64.6M |
总债务LDIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $2.1B | $342.1M | ||
| Q3 25 | $2.1B | $344.3M | ||
| Q2 25 | $2.1B | $346.5M | ||
| Q1 25 | $2.0B | $347.4M | ||
| Q4 24 | $2.0B | $348.3M | ||
| Q3 24 | $2.0B | $349.1M | ||
| Q2 24 | $2.0B | $350.0M |
股东权益LDIRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $386.0M | $449.0M | ||
| Q3 25 | $433.3M | $360.1M | ||
| Q2 25 | $439.1M | $370.4M | ||
| Q1 25 | $469.3M | $381.8M | ||
| Q4 24 | $506.6M | $404.6M | ||
| Q3 24 | $592.0M | $395.5M | ||
| Q2 24 | $578.9M | $405.0M |
总资产LDIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $6.9B | $1.2B | ||
| Q3 25 | $6.2B | $1.1B | ||
| Q2 25 | $6.2B | $1.1B | ||
| Q1 25 | $6.4B | $1.1B | ||
| Q4 24 | $6.3B | $1.2B | ||
| Q3 24 | $6.4B | $1.1B | ||
| Q2 24 | $5.9B | $1.1B |
负债/权益比LDIRBBN
| Q1 26 | — | — | ||
| Q4 25 | 5.44× | 0.76× | ||
| Q3 25 | 4.83× | 0.96× | ||
| Q2 25 | 4.70× | 0.94× | ||
| Q1 25 | 4.30× | 0.91× | ||
| Q4 24 | 4.00× | 0.86× | ||
| Q3 24 | 3.31× | 0.88× | ||
| Q2 24 | 3.41× | 0.86× |
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 | $-638.7M | — |
| 自由现金流经营现金流 - 资本支出 | $-648.0M | — |
| 自由现金流率自由现金流/营收 | -208.9% | — |
| 资本支出强度资本支出/营收 | 3.0% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $-734.6M | — |
8季度趋势，按日历期对齐
经营现金流LDIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $-638.7M | $29.2M | ||
| Q3 25 | $43.4M | $26.5M | ||
| Q2 25 | $67.6M | $-795.0K | ||
| Q1 25 | $-179.9M | $-3.5M | ||
| Q4 24 | $47.7M | $61.8M | ||
| Q3 24 | $-349.2M | $-14.8M | ||
| Q2 24 | $-278.3M | $-9.8M |
自由现金流LDIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $-648.0M | $27.3M | ||
| Q3 25 | $38.7M | $21.0M | ||
| Q2 25 | $61.4M | $-6.5M | ||
| Q1 25 | $-186.7M | $-15.7M | ||
| Q4 24 | $40.8M | $53.8M | ||
| Q3 24 | $-356.4M | $-23.7M | ||
| Q2 24 | $-285.7M | $-12.9M |
自由现金流率LDIRBBN
| Q1 26 | — | — | ||
| Q4 25 | -208.9% | 12.0% | ||
| Q3 25 | 12.0% | 9.7% | ||
| Q2 25 | 21.7% | -2.9% | ||
| Q1 25 | -68.2% | -8.7% | ||
| Q4 24 | 15.8% | 21.4% | ||
| Q3 24 | -113.3% | -11.3% | ||
| Q2 24 | -107.7% | -6.7% |
资本支出强度LDIRBBN
| Q1 26 | — | — | ||
| Q4 25 | 3.0% | 0.9% | ||
| Q3 25 | 1.5% | 2.6% | ||
| Q2 25 | 2.2% | 2.6% | ||
| Q1 25 | 2.5% | 6.7% | ||
| Q4 24 | 2.7% | 3.2% | ||
| Q3 24 | 2.3% | 4.2% | ||
| Q2 24 | 2.8% | 1.6% |
现金转化率LDIRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -255.05× | — | ||
| Q2 24 | — | — |
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
LDI
暂无分部数据
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
