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Lemonade, Inc.（LMND）与RESOURCES CONNECTION, INC.（RGP）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RESOURCES CONNECTION, INC.的1.9倍（$228.1M vs $117.7M），Lemonade, Inc.净利率更高（-9.5% vs -10.8%，领先1.2%），Lemonade, Inc.同比增速更快（53.3% vs -19.2%），RESOURCES CONNECTION, INC.自由现金流更多（$15.6M vs $-25.9M），过去两年Lemonade, Inc.的营收复合增速更高（38.4% vs -11.8%）
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。
RGP原名 Resources Global Professionals，是 Resources Connection, Inc. 的核心运营主体，面向全球客户提供多领域专业咨询服务，覆盖财务会计、信息管理、治理风险合规、人力资本、法务监管、企业咨询与重组、战略传播以及供应链管理等板块。
LMND vs RGP — 直观对比
营收规模更大
LMND
是对方的1.9倍
$117.7M
营收增速更快
LMND
高出72.4%
-19.2%
净利率更高
LMND
高出1.2%
-10.8%
自由现金流更多
RGP
多$41.5M
$-25.9M
两年增速更快
LMND
近两年复合增速
-11.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $228.1M | $117.7M |
| 净利润 | $-21.7M | $-12.7M |
| 毛利率 | — | 37.1% |
| 营业利润率 | -9.0% | -10.3% |
| 净利率 | -9.5% | -10.8% |
| 营收同比 | 53.3% | -19.2% |
| 净利润同比 | 27.7% | 81.6% |
| 每股收益（稀释后） | $-0.27 | $-0.38 |
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LMNDRGP
| Q4 25 | $228.1M | $117.7M | ||
| Q3 25 | $194.5M | $120.2M | ||
| Q2 25 | $164.1M | $139.3M | ||
| Q1 25 | $151.2M | $129.4M | ||
| Q4 24 | $148.8M | $145.6M | ||
| Q3 24 | $136.6M | $136.9M | ||
| Q2 24 | $122.0M | $148.2M | ||
| Q1 24 | $119.1M | $151.3M |
净利润LMNDRGP
| Q4 25 | $-21.7M | $-12.7M | ||
| Q3 25 | $-37.5M | $-2.4M | ||
| Q2 25 | $-43.9M | $-73.3M | ||
| Q1 25 | $-62.4M | $-44.1M | ||
| Q4 24 | $-30.0M | $-68.7M | ||
| Q3 24 | $-67.7M | $-5.7M | ||
| Q2 24 | $-57.2M | $10.5M | ||
| Q1 24 | $-47.3M | $2.5M |
毛利率LMNDRGP
| Q4 25 | — | 37.1% | ||
| Q3 25 | — | 39.5% | ||
| Q2 25 | — | 40.2% | ||
| Q1 25 | — | 35.1% | ||
| Q4 24 | — | 38.5% | ||
| Q3 24 | — | 36.5% | ||
| Q2 24 | — | 40.2% | ||
| Q1 24 | — | 37.0% |
营业利润率LMNDRGP
| Q4 25 | -9.0% | -10.3% | ||
| Q3 25 | -18.7% | -1.7% | ||
| Q2 25 | -26.0% | -47.0% | ||
| Q1 25 | -40.6% | -38.4% | ||
| Q4 24 | -25.4% | -52.7% | ||
| Q3 24 | -48.2% | -3.5% | ||
| Q2 24 | -45.2% | 7.6% | ||
| Q1 24 | -38.0% | 2.8% |
净利率LMNDRGP
| Q4 25 | -9.5% | -10.8% | ||
| Q3 25 | -19.3% | -2.0% | ||
| Q2 25 | -26.8% | -52.6% | ||
| Q1 25 | -41.3% | -34.0% | ||
| Q4 24 | -20.2% | -47.2% | ||
| Q3 24 | -49.6% | -4.2% | ||
| Q2 24 | -46.9% | 7.1% | ||
| Q1 24 | -39.7% | 1.7% |
每股收益（稀释后）LMNDRGP
| Q4 25 | $-0.27 | $-0.38 | ||
| Q3 25 | $-0.51 | $-0.07 | ||
| Q2 25 | $-0.60 | $-2.21 | ||
| Q1 25 | $-0.86 | $-1.34 | ||
| Q4 24 | $-0.42 | $-2.08 | ||
| Q3 24 | $-0.95 | $-0.17 | ||
| Q2 24 | $-0.81 | $0.31 | ||
| Q1 24 | $-0.67 | $0.08 |
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 | $89.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $533.6M | $194.6M |
| 总资产 | $1.9B | $289.3M |
| 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LMNDRGP
| Q4 25 | $399.1M | $89.8M | ||
| Q3 25 | $369.4M | $77.5M | ||
| Q2 25 | $398.8M | $86.1M | ||
| Q1 25 | $329.7M | $72.5M | ||
| Q4 24 | $403.5M | $78.2M | ||
| Q3 24 | $360.9M | $89.6M | ||
| Q2 24 | $387.2M | $108.9M | ||
| Q1 24 | $300.8M | $113.8M |
股东权益LMNDRGP
| Q4 25 | $533.6M | $194.6M | ||
| Q3 25 | $516.2M | $206.4M | ||
| Q2 25 | $527.1M | $207.1M | ||
| Q1 25 | $545.5M | $277.8M | ||
| Q4 24 | $593.4M | $325.7M | ||
| Q3 24 | $593.0M | $407.2M | ||
| Q2 24 | $635.2M | $418.8M | ||
| Q1 24 | $676.4M | $414.9M |
总资产LMNDRGP
| Q4 25 | $1.9B | $289.3M | ||
| Q3 25 | $1.9B | $287.2M | ||
| Q2 25 | $1.9B | $304.7M | ||
| Q1 25 | $1.9B | $375.6M | ||
| Q4 24 | $1.8B | $424.9M | ||
| Q3 24 | $1.8B | $512.9M | ||
| Q2 24 | $1.7B | $510.9M | ||
| Q1 24 | $1.6B | $523.2M |
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 | $15.9M |
| 自由现金流经营现金流 - 资本支出 | $-25.9M | $15.6M |
| 自由现金流率自由现金流/营收 | -11.4% | 13.2% |
| 资本支出强度资本支出/营收 | 4.1% | 0.3% |
| 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 | $24.3M |
8季度趋势，按日历期对齐
经营现金流LMNDRGP
| Q4 25 | $-16.5M | $15.9M | ||
| Q3 25 | $4.5M | $-7.8M | ||
| Q2 25 | $5.5M | $16.8M | ||
| Q1 25 | $-47.2M | $659.0K | ||
| Q4 24 | $-11.4M | $1.8M | ||
| Q3 24 | $16.3M | $-309.0K | ||
| Q2 24 | $-11.7M | $3.2M | ||
| Q1 24 | $-29.8M | $20.5M |
自由现金流LMNDRGP
| Q4 25 | $-25.9M | $15.6M | ||
| Q3 25 | $2.6M | $-8.0M | ||
| Q2 25 | $3.4M | $16.5M | ||
| Q1 25 | $-49.5M | $238.0K | ||
| Q4 24 | $-20.8M | $61.0K | ||
| Q3 24 | $14.1M | $-575.0K | ||
| Q2 24 | $-13.2M | $3.0M | ||
| Q1 24 | $-32.3M | $20.4M |
自由现金流率LMNDRGP
| Q4 25 | -11.4% | 13.2% | ||
| Q3 25 | 1.3% | -6.6% | ||
| Q2 25 | 2.1% | 11.8% | ||
| Q1 25 | -32.7% | 0.2% | ||
| Q4 24 | -14.0% | 0.0% | ||
| Q3 24 | 10.3% | -0.4% | ||
| Q2 24 | -10.8% | 2.1% | ||
| Q1 24 | -27.1% | 13.5% |
资本支出强度LMNDRGP
| Q4 25 | 4.1% | 0.3% | ||
| Q3 25 | 1.0% | 0.1% | ||
| Q2 25 | 1.3% | 0.2% | ||
| Q1 25 | 1.5% | 0.3% | ||
| Q4 24 | 6.3% | 1.2% | ||
| Q3 24 | 1.6% | 0.2% | ||
| Q2 24 | 1.2% | 0.1% | ||
| Q1 24 | 2.1% | 0.1% |
现金转化率LMNDRGP
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.30× | ||
| Q1 24 | — | 8.04× |
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
RGP
| US | $93.7M | 80% |
| Non Us | $24.0M | 20% |
