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Lemonade, Inc.（LMND）与OneStream, Inc.（OS）财务数据对比。点击上方公司名可切换其他公司
Lemonade, Inc.的季度营收约是OneStream, Inc.的1.4倍（$228.1M vs $163.7M），OneStream, Inc.净利率更高（0.6% vs -9.5%，领先10.1%），Lemonade, Inc.同比增速更快（53.3% vs 23.6%），OneStream, Inc.自由现金流更多（$25.6M vs $-25.9M），过去两年Lemonade, Inc.的营收复合增速更高（38.4% vs 21.8%）
Lemonade, Inc.是一家总部位于美国纽约的保险公司，在美国市场提供租客险、房屋险、车险、宠物险及定期寿险，在德国、荷兰推出财产及责任保险，法国市场提供租客险，当前拥有约290万用户，采用人工智能及聊天机器人替代人工处理理赔申请。
Blue Stream面向美国佛罗里达州科勒尔斯普林斯、韦斯顿两地的居民及商业客户，提供有线电视、有线固话、数字录像服务，以及最高速率达1G的宽带互联网接入服务，深耕当地通信市场，为用户提供稳定可靠的多元通信解决方案。
LMND vs OS — 直观对比
营收规模更大
LMND
是对方的1.4倍
$163.7M
营收增速更快
LMND
高出29.7%
23.6%
净利率更高
OS
高出10.1%
-9.5%
自由现金流更多
OS
多$51.5M
$-25.9M
两年增速更快
LMND
近两年复合增速
21.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $228.1M | $163.7M |
| 净利润 | $-21.7M | $999.0K |
| 毛利率 | — | 69.8% |
| 营业利润率 | -9.0% | -3.2% |
| 净利率 | -9.5% | 0.6% |
| 营收同比 | 53.3% | 23.6% |
| 净利润同比 | 27.7% | — |
| 每股收益（稀释后） | $-0.27 | — |
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LMNDOS
| Q4 25 | $228.1M | $163.7M | ||
| Q3 25 | $194.5M | $154.3M | ||
| Q2 25 | $164.1M | $147.6M | ||
| Q1 25 | $151.2M | $136.3M | ||
| Q4 24 | $148.8M | $132.5M | ||
| Q3 24 | $136.6M | $129.1M | ||
| Q2 24 | $122.0M | $117.5M | ||
| Q1 24 | $119.1M | $110.3M |
净利润LMNDOS
| Q4 25 | $-21.7M | $999.0K | ||
| Q3 25 | $-37.5M | $-8.8M | ||
| Q2 25 | $-43.9M | $-18.4M | ||
| Q1 25 | $-62.4M | $-24.0M | ||
| Q4 24 | $-30.0M | — | ||
| Q3 24 | $-67.7M | $-171.9M | ||
| Q2 24 | $-57.2M | $-7.8M | ||
| Q1 24 | $-47.3M | $-5.0M |
毛利率LMNDOS
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 68.1% | ||
| Q2 25 | — | 68.6% | ||
| Q1 25 | — | 68.0% | ||
| Q4 24 | — | 66.8% | ||
| Q3 24 | — | 50.1% | ||
| Q2 24 | — | 68.5% | ||
| Q1 24 | — | 69.1% |
营业利润率LMNDOS
| Q4 25 | -9.0% | -3.2% | ||
| Q3 25 | -18.7% | -11.3% | ||
| Q2 25 | -26.0% | -21.8% | ||
| Q1 25 | -40.6% | -29.3% | ||
| Q4 24 | -25.4% | -35.8% | ||
| Q3 24 | -48.2% | -197.6% | ||
| Q2 24 | -45.2% | -9.8% | ||
| Q1 24 | -38.0% | -4.9% |
净利率LMNDOS
| Q4 25 | -9.5% | 0.6% | ||
| Q3 25 | -19.3% | -5.7% | ||
| Q2 25 | -26.8% | -12.5% | ||
| Q1 25 | -41.3% | -17.6% | ||
| Q4 24 | -20.2% | — | ||
| Q3 24 | -49.6% | -133.1% | ||
| Q2 24 | -46.9% | -6.7% | ||
| Q1 24 | -39.7% | -4.5% |
每股收益（稀释后）LMNDOS
| Q4 25 | $-0.27 | — | ||
| Q3 25 | $-0.51 | — | ||
| Q2 25 | $-0.60 | — | ||
| Q1 25 | $-0.86 | — | ||
| Q4 24 | $-0.42 | — | ||
| Q3 24 | $-0.95 | $-1.06 | ||
| Q2 24 | $-0.81 | — | ||
| Q1 24 | $-0.67 | — |
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 | $399.1M | $693.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $533.6M | $504.7M |
| 总资产 | $1.9B | $1.0B |
| 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LMNDOS
| Q4 25 | $399.1M | $693.6M | ||
| Q3 25 | $369.4M | $653.9M | ||
| Q2 25 | $398.8M | $652.1M | ||
| Q1 25 | $329.7M | $593.9M | ||
| Q4 24 | $403.5M | $544.2M | ||
| Q3 24 | $360.9M | $495.5M | ||
| Q2 24 | $387.2M | $140.5M | ||
| Q1 24 | $300.8M | — |
股东权益LMNDOS
| Q4 25 | $533.6M | $504.7M | ||
| Q3 25 | $516.2M | $472.1M | ||
| Q2 25 | $527.1M | $458.2M | ||
| Q1 25 | $545.5M | $412.9M | ||
| Q4 24 | $593.4M | $386.2M | ||
| Q3 24 | $593.0M | $458.2M | ||
| Q2 24 | $635.2M | $97.5M | ||
| Q1 24 | $676.4M | $102.5M |
总资产LMNDOS
| Q4 25 | $1.9B | $1.0B | ||
| Q3 25 | $1.9B | $949.4M | ||
| Q2 25 | $1.9B | $910.5M | ||
| Q1 25 | $1.9B | $867.3M | ||
| Q4 24 | $1.8B | $823.2M | ||
| Q3 24 | $1.8B | $750.1M | ||
| Q2 24 | $1.7B | $379.7M | ||
| Q1 24 | $1.6B | — |
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 | $-16.5M | $25.8M |
| 自由现金流经营现金流 - 资本支出 | $-25.9M | $25.6M |
| 自由现金流率自由现金流/营收 | -11.4% | 15.7% |
| 资本支出强度资本支出/营收 | 4.1% | 0.1% |
| 现金转化率经营现金流/净利润 | — | 25.79× |
| 过去12个月自由现金流最近4个季度 | $-69.4M | $95.6M |
8季度趋势，按日历期对齐
经营现金流LMNDOS
| Q4 25 | $-16.5M | $25.8M | ||
| Q3 25 | $4.5M | $5.0M | ||
| Q2 25 | $5.5M | $29.7M | ||
| Q1 25 | $-47.2M | $36.2M | ||
| Q4 24 | $-11.4M | — | ||
| Q3 24 | $16.3M | $2.4M | ||
| Q2 24 | $-11.7M | $8.1M | ||
| Q1 24 | $-29.8M | $25.5M |
自由现金流LMNDOS
| Q4 25 | $-25.9M | $25.6M | ||
| Q3 25 | $2.6M | $4.8M | ||
| Q2 25 | $3.4M | $29.4M | ||
| Q1 25 | $-49.5M | $35.8M | ||
| Q4 24 | $-20.8M | — | ||
| Q3 24 | $14.1M | $1.3M | ||
| Q2 24 | $-13.2M | $7.7M | ||
| Q1 24 | $-32.3M | $24.9M |
自由现金流率LMNDOS
| Q4 25 | -11.4% | 15.7% | ||
| Q3 25 | 1.3% | 3.1% | ||
| Q2 25 | 2.1% | 19.9% | ||
| Q1 25 | -32.7% | 26.3% | ||
| Q4 24 | -14.0% | — | ||
| Q3 24 | 10.3% | 1.0% | ||
| Q2 24 | -10.8% | 6.6% | ||
| Q1 24 | -27.1% | 22.5% |
资本支出强度LMNDOS
| Q4 25 | 4.1% | 0.1% | ||
| Q3 25 | 1.0% | 0.1% | ||
| Q2 25 | 1.3% | 0.2% | ||
| Q1 25 | 1.5% | 0.3% | ||
| Q4 24 | 6.3% | — | ||
| Q3 24 | 1.6% | 0.8% | ||
| Q2 24 | 1.2% | 0.3% | ||
| Q1 24 | 2.1% | 0.6% |
现金转化率LMNDOS
| Q4 25 | — | 25.79× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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
LMND
暂无分部数据
OS
| Subscription And Circulation | $150.3M | 92% |
| Professional Services And Other | $9.4M | 6% |
| License | $4.0M | 2% |
