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loanDepot, Inc.（LDI）与GIBRALTAR INDUSTRIES, INC.（ROCK）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GIBRALTAR INDUSTRIES, INC.的1.4倍（$310.3M vs $225.0M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 20.5%），GIBRALTAR INDUSTRIES, INC.自由现金流更多（$26.2M vs $-648.0M），过去两年loanDepot, Inc.的营收复合增速更高（18.0% vs -12.3%）
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。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
LDI vs ROCK — 直观对比
营收规模更大
LDI
是对方的1.4倍
$225.0M
营收增速更快
ROCK
高出4.4%
20.5%
自由现金流更多
ROCK
多$674.2M
$-648.0M
两年增速更快
LDI
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $310.3M | $225.0M |
| 净利润 | $-22.5M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | -10.3% | 7.9% |
| 净利率 | -7.2% | — |
| 营收同比 | 20.5% | 24.9% |
| 净利润同比 | 32.4% | — |
| 每股收益（稀释后） | — | — |
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LDIROCK
| Q4 25 | $310.3M | $225.0M | ||
| Q3 25 | $323.3M | $310.9M | ||
| Q2 25 | $282.5M | $309.5M | ||
| Q1 25 | $273.6M | $290.0M | ||
| Q4 24 | $257.5M | $180.1M | ||
| Q3 24 | $314.6M | $277.1M | ||
| Q2 24 | $265.4M | $273.6M | ||
| Q1 24 | $222.8M | $292.5M |
净利润LDIROCK
| Q4 25 | $-22.5M | — | ||
| Q3 25 | $-4.9M | $-89.1M | ||
| Q2 25 | $-13.4M | $26.0M | ||
| Q1 25 | $-21.9M | $21.1M | ||
| Q4 24 | $-33.2M | — | ||
| Q3 24 | $1.4M | $34.0M | ||
| Q2 24 | $-32.2M | $32.2M | ||
| Q1 24 | $-34.3M | $24.9M |
毛利率LDIROCK
| Q4 25 | — | 25.3% | ||
| Q3 25 | — | 26.6% | ||
| Q2 25 | — | 28.4% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 29.0% | ||
| Q3 24 | — | 29.4% | ||
| Q2 24 | — | 30.5% | ||
| Q1 24 | — | 28.9% |
营业利润率LDIROCK
| Q4 25 | -10.3% | 7.9% | ||
| Q3 25 | -3.2% | 12.8% | ||
| Q2 25 | -11.4% | 12.8% | ||
| Q1 25 | -16.8% | 8.8% | ||
| Q4 24 | -32.7% | 13.3% | ||
| Q3 24 | 1.1% | 15.6% | ||
| Q2 24 | -29.1% | 14.9% | ||
| Q1 24 | -38.2% | 10.8% |
净利率LDIROCK
| Q4 25 | -7.2% | — | ||
| Q3 25 | -1.5% | -28.6% | ||
| Q2 25 | -4.7% | 8.4% | ||
| Q1 25 | -8.0% | 7.3% | ||
| Q4 24 | -12.9% | — | ||
| Q3 24 | 0.4% | 12.3% | ||
| Q2 24 | -12.1% | 11.8% | ||
| Q1 24 | -15.4% | 8.5% |
每股收益（稀释后）LDIROCK
| Q4 25 | — | — | ||
| Q3 25 | — | $-2.98 | ||
| Q2 25 | — | $0.87 | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $0.01 | $1.11 | ||
| Q2 24 | $-0.18 | $1.05 | ||
| Q1 24 | $-0.19 | — |
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 | $115.7M |
| 总债务越低越好 | $2.1B | $0 |
| 股东权益账面价值 | $386.0M | $950.4M |
| 总资产 | $6.9B | $1.4B |
| 负债/权益比越低杠杆越低 | 5.44× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资LDIROCK
| Q4 25 | $337.2M | $115.7M | ||
| Q3 25 | $459.2M | $89.4M | ||
| Q2 25 | $408.6M | $43.3M | ||
| Q1 25 | $371.5M | $25.1M | ||
| Q4 24 | $421.6M | $269.5M | ||
| Q3 24 | $483.0M | $228.9M | ||
| Q2 24 | $533.2M | $179.1M | ||
| Q1 24 | $603.7M | $146.7M |
总债务LDIROCK
| Q4 25 | $2.1B | $0 | ||
| Q3 25 | $2.1B | $0 | ||
| Q2 25 | $2.1B | $0 | ||
| Q1 25 | $2.0B | $0 | ||
| Q4 24 | $2.0B | $0 | ||
| Q3 24 | $2.0B | $0 | ||
| Q2 24 | $2.0B | $0 | ||
| Q1 24 | $2.3B | $0 |
股东权益LDIROCK
| Q4 25 | $386.0M | $950.4M | ||
| Q3 25 | $433.3M | $951.8M | ||
| Q2 25 | $439.1M | $1.0B | ||
| Q1 25 | $469.3M | $1.0B | ||
| Q4 24 | $506.6M | $1.0B | ||
| Q3 24 | $592.0M | $1.0B | ||
| Q2 24 | $578.9M | $975.7M | ||
| Q1 24 | $637.3M | $940.2M |
总资产LDIROCK
| Q4 25 | $6.9B | $1.4B | ||
| Q3 25 | $6.2B | $1.4B | ||
| Q2 25 | $6.2B | $1.5B | ||
| Q1 25 | $6.4B | $1.4B | ||
| Q4 24 | $6.3B | $1.4B | ||
| Q3 24 | $6.4B | $1.4B | ||
| Q2 24 | $5.9B | $1.4B | ||
| Q1 24 | $6.2B | $1.3B |
负债/权益比LDIROCK
| Q4 25 | 5.44× | 0.00× | ||
| Q3 25 | 4.83× | 0.00× | ||
| Q2 25 | 4.70× | 0.00× | ||
| Q1 25 | 4.30× | 0.00× | ||
| Q4 24 | 4.00× | 0.00× | ||
| Q3 24 | 3.31× | 0.00× | ||
| Q2 24 | 3.41× | 0.00× | ||
| Q1 24 | 3.63× | 0.00× |
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 | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $-648.0M | $26.2M |
| 自由现金流率自由现金流/营收 | -208.9% | 11.7% |
| 资本支出强度资本支出/营收 | 3.0% | 4.1% |
| 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 | $120.6M |
8季度趋势，按日历期对齐
经营现金流LDIROCK
| Q4 25 | $-638.7M | $35.5M | ||
| Q3 25 | $43.4M | $73.0M | ||
| Q2 25 | $67.6M | $44.9M | ||
| Q1 25 | $-179.9M | $13.7M | ||
| Q4 24 | $47.7M | $19.9M | ||
| Q3 24 | $-349.2M | $64.7M | ||
| Q2 24 | $-278.3M | $36.5M | ||
| Q1 24 | $-278.5M | $53.2M |
自由现金流LDIROCK
| Q4 25 | $-648.0M | $26.2M | ||
| Q3 25 | $38.7M | $64.8M | ||
| Q2 25 | $61.4M | $27.3M | ||
| Q1 25 | $-186.7M | $2.3M | ||
| Q4 24 | $40.8M | $14.1M | ||
| Q3 24 | $-356.4M | $60.5M | ||
| Q2 24 | $-285.7M | $33.5M | ||
| Q1 24 | $-283.3M | $48.8M |
自由现金流率LDIROCK
| Q4 25 | -208.9% | 11.7% | ||
| Q3 25 | 12.0% | 20.8% | ||
| Q2 25 | 21.7% | 8.8% | ||
| Q1 25 | -68.2% | 0.8% | ||
| Q4 24 | 15.8% | 7.8% | ||
| Q3 24 | -113.3% | 21.8% | ||
| Q2 24 | -107.7% | 12.2% | ||
| Q1 24 | -127.2% | 16.7% |
资本支出强度LDIROCK
| Q4 25 | 3.0% | 4.1% | ||
| Q3 25 | 1.5% | 2.6% | ||
| Q2 25 | 2.2% | 5.7% | ||
| Q1 25 | 2.5% | 3.9% | ||
| Q4 24 | 2.7% | 3.3% | ||
| Q3 24 | 2.3% | 1.5% | ||
| Q2 24 | 2.8% | 1.1% | ||
| Q1 24 | 2.1% | 1.5% |
现金转化率LDIROCK
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 1.73× | ||
| Q1 25 | — | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | -255.05× | 1.90× | ||
| Q2 24 | — | 1.13× | ||
| Q1 24 | — | 2.13× |
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
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
