vs
Lemonade, Inc.（LMND）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
Lemonade, Inc.的季度营收约是Ribbon Communications Inc.的1.4倍（$228.1M vs $162.6M），Ribbon Communications Inc.净利率更高（54.8% vs -9.5%，领先64.3%），Lemonade, Inc.同比增速更快（53.3% vs -10.3%），过去两年Lemonade, Inc.的营收复合增速更高（38.4% vs -8.1%）
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。
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。
LMND vs RBBN — 直观对比
营收规模更大
LMND
是对方的1.4倍
$162.6M
营收增速更快
LMND
高出63.6%
-10.3%
净利率更高
RBBN
高出64.3%
-9.5%
两年增速更快
LMND
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $228.1M | $162.6M |
| 净利润 | $-21.7M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | -9.0% | 37.6% |
| 净利率 | -9.5% | 54.8% |
| 营收同比 | 53.3% | -10.3% |
| 净利润同比 | 27.7% | — |
| 每股收益（稀释后） | $-0.27 | $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LMNDRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $228.1M | $227.3M | ||
| Q3 25 | $194.5M | $215.4M | ||
| Q2 25 | $164.1M | $220.6M | ||
| Q1 25 | $151.2M | $181.3M | ||
| Q4 24 | $148.8M | $251.4M | ||
| Q3 24 | $136.6M | $210.2M | ||
| Q2 24 | $122.0M | $192.6M |
净利润LMNDRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | $-21.7M | — | ||
| Q3 25 | $-37.5M | $-12.1M | ||
| Q2 25 | $-43.9M | $-11.1M | ||
| Q1 25 | $-62.4M | $-26.2M | ||
| Q4 24 | $-30.0M | — | ||
| Q3 24 | $-67.7M | $-13.4M | ||
| Q2 24 | $-57.2M | $-16.8M |
毛利率LMNDRBBN
| 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LMNDRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | -9.0% | 4.1% | ||
| Q3 25 | -18.7% | 1.3% | ||
| Q2 25 | -26.0% | 1.9% | ||
| Q1 25 | -40.6% | -10.8% | ||
| Q4 24 | -25.4% | 13.2% | ||
| Q3 24 | -48.2% | -0.4% | ||
| Q2 24 | -45.2% | -1.0% |
净利率LMNDRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | -9.5% | — | ||
| Q3 25 | -19.3% | -5.6% | ||
| Q2 25 | -26.8% | -5.0% | ||
| Q1 25 | -41.3% | -14.5% | ||
| Q4 24 | -20.2% | — | ||
| Q3 24 | -49.6% | -6.4% | ||
| Q2 24 | -46.9% | -8.7% |
每股收益（稀释后）LMNDRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $-0.27 | $0.50 | ||
| Q3 25 | $-0.51 | $-0.07 | ||
| Q2 25 | $-0.60 | $-0.06 | ||
| Q1 25 | $-0.86 | $-0.15 | ||
| Q4 24 | $-0.42 | $0.05 | ||
| Q3 24 | $-0.95 | $-0.08 | ||
| Q2 24 | $-0.81 | $-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 | $399.1M | $67.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $533.6M | $419.1M |
| 总资产 | $1.9B | — |
| 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LMNDRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | $399.1M | $96.4M | ||
| Q3 25 | $369.4M | $74.8M | ||
| Q2 25 | $398.8M | $60.5M | ||
| Q1 25 | $329.7M | $71.2M | ||
| Q4 24 | $403.5M | $87.8M | ||
| Q3 24 | $360.9M | $37.2M | ||
| Q2 24 | $387.2M | $64.6M |
总债务LMNDRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $342.1M | ||
| Q3 25 | — | $344.3M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $347.4M | ||
| Q4 24 | — | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益LMNDRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $533.6M | $449.0M | ||
| Q3 25 | $516.2M | $360.1M | ||
| Q2 25 | $527.1M | $370.4M | ||
| Q1 25 | $545.5M | $381.8M | ||
| Q4 24 | $593.4M | $404.6M | ||
| Q3 24 | $593.0M | $395.5M | ||
| Q2 24 | $635.2M | $405.0M |
总资产LMNDRBBN
| Q1 26 | — | — | ||
| Q4 25 | $1.9B | $1.2B | ||
| Q3 25 | $1.9B | $1.1B | ||
| Q2 25 | $1.9B | $1.1B | ||
| Q1 25 | $1.9B | $1.1B | ||
| Q4 24 | $1.8B | $1.2B | ||
| Q3 24 | $1.8B | $1.1B | ||
| Q2 24 | $1.7B | $1.1B |
负债/权益比LMNDRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.76× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | — | 0.94× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 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 | $-16.5M | — |
| 自由现金流经营现金流 - 资本支出 | $-25.9M | — |
| 自由现金流率自由现金流/营收 | -11.4% | — |
| 资本支出强度资本支出/营收 | 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 | $-69.4M | — |
8季度趋势，按日历期对齐
经营现金流LMNDRBBN
| Q1 26 | — | — | ||
| Q4 25 | $-16.5M | $29.2M | ||
| Q3 25 | $4.5M | $26.5M | ||
| Q2 25 | $5.5M | $-795.0K | ||
| Q1 25 | $-47.2M | $-3.5M | ||
| Q4 24 | $-11.4M | $61.8M | ||
| Q3 24 | $16.3M | $-14.8M | ||
| Q2 24 | $-11.7M | $-9.8M |
自由现金流LMNDRBBN
| Q1 26 | — | — | ||
| Q4 25 | $-25.9M | $27.3M | ||
| Q3 25 | $2.6M | $21.0M | ||
| Q2 25 | $3.4M | $-6.5M | ||
| Q1 25 | $-49.5M | $-15.7M | ||
| Q4 24 | $-20.8M | $53.8M | ||
| Q3 24 | $14.1M | $-23.7M | ||
| Q2 24 | $-13.2M | $-12.9M |
自由现金流率LMNDRBBN
| Q1 26 | — | — | ||
| Q4 25 | -11.4% | 12.0% | ||
| Q3 25 | 1.3% | 9.7% | ||
| Q2 25 | 2.1% | -2.9% | ||
| Q1 25 | -32.7% | -8.7% | ||
| Q4 24 | -14.0% | 21.4% | ||
| Q3 24 | 10.3% | -11.3% | ||
| Q2 24 | -10.8% | -6.7% |
资本支出强度LMNDRBBN
| Q1 26 | — | — | ||
| Q4 25 | 4.1% | 0.9% | ||
| Q3 25 | 1.0% | 2.6% | ||
| Q2 25 | 1.3% | 2.6% | ||
| Q1 25 | 1.5% | 6.7% | ||
| Q4 24 | 6.3% | 3.2% | ||
| Q3 24 | 1.6% | 4.2% | ||
| Q2 24 | 1.2% | 1.6% |
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
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
