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Lemonade, Inc.（LMND）与STURM RUGER & CO INC（RGR）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STURM RUGER & CO INC的1.5倍（$228.1M vs $151.1M），Lemonade, Inc.同比增速更快（53.3% vs 3.6%），STURM RUGER & CO INC自由现金流更多（$12.3M vs $-25.9M），过去两年Lemonade, Inc.的营收复合增速更高（38.4% vs 5.1%）
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。
鲁格公司（Ruger）是总部位于美国康涅狄格州绍斯波特的枪械制造企业，除总部外，还在新罕布什尔州纽波特、北卡罗来纳州梅约丹以及亚利桑那州普雷斯科特设有生产工厂。公司由亚历山大·麦考密克·斯特姆与威廉·B·鲁格于1949年共同创立，自1969年起公开上市交易。
LMND vs RGR — 直观对比
营收规模更大
LMND
是对方的1.5倍
$151.1M
营收增速更快
LMND
高出49.7%
3.6%
自由现金流更多
RGR
多$38.2M
$-25.9M
两年增速更快
LMND
近两年复合增速
5.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $228.1M | $151.1M |
| 净利润 | $-21.7M | — |
| 毛利率 | — | 17.8% |
| 营业利润率 | -9.0% | 2.3% |
| 净利率 | -9.5% | — |
| 营收同比 | 53.3% | 3.6% |
| 净利润同比 | 27.7% | — |
| 每股收益（稀释后） | $-0.27 | $0.22 |
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LMNDRGR
| Q4 25 | $228.1M | $151.1M | ||
| Q3 25 | $194.5M | $126.8M | ||
| Q2 25 | $164.1M | $132.5M | ||
| Q1 25 | $151.2M | $135.7M | ||
| Q4 24 | $148.8M | $145.8M | ||
| Q3 24 | $136.6M | $122.3M | ||
| Q2 24 | $122.0M | $130.8M | ||
| Q1 24 | $119.1M | $136.8M |
净利润LMNDRGR
| Q4 25 | $-21.7M | — | ||
| Q3 25 | $-37.5M | $1.6M | ||
| Q2 25 | $-43.9M | $-17.2M | ||
| Q1 25 | $-62.4M | $7.8M | ||
| Q4 24 | $-30.0M | — | ||
| Q3 24 | $-67.7M | $4.7M | ||
| Q2 24 | $-57.2M | $8.3M | ||
| Q1 24 | $-47.3M | $7.1M |
毛利率LMNDRGR
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.5% |
营业利润率LMNDRGR
| Q4 25 | -9.0% | 2.3% | ||
| Q3 25 | -18.7% | -2.7% | ||
| Q2 25 | -26.0% | -15.6% | ||
| Q1 25 | -40.6% | 6.2% | ||
| Q4 24 | -25.4% | 7.8% | ||
| Q3 24 | -48.2% | 3.1% | ||
| Q2 24 | -45.2% | 6.9% | ||
| Q1 24 | -38.0% | 5.5% |
净利率LMNDRGR
| Q4 25 | -9.5% | — | ||
| Q3 25 | -19.3% | 1.2% | ||
| Q2 25 | -26.8% | -13.0% | ||
| Q1 25 | -41.3% | 5.7% | ||
| Q4 24 | -20.2% | — | ||
| Q3 24 | -49.6% | 3.9% | ||
| Q2 24 | -46.9% | 6.3% | ||
| Q1 24 | -39.7% | 5.2% |
每股收益（稀释后）LMNDRGR
| Q4 25 | $-0.27 | $0.22 | ||
| Q3 25 | $-0.51 | $0.10 | ||
| Q2 25 | $-0.60 | $-1.05 | ||
| Q1 25 | $-0.86 | $0.46 | ||
| Q4 24 | $-0.42 | $0.62 | ||
| Q3 24 | $-0.95 | $0.28 | ||
| Q2 24 | $-0.81 | $0.47 | ||
| Q1 24 | $-0.67 | $0.40 |
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 | $92.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $533.6M | $283.8M |
| 总资产 | $1.9B | $342.0M |
| 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LMNDRGR
| Q4 25 | $399.1M | $92.5M | ||
| Q3 25 | $369.4M | $80.8M | ||
| Q2 25 | $398.8M | $101.4M | ||
| Q1 25 | $329.7M | $108.3M | ||
| Q4 24 | $403.5M | $105.5M | ||
| Q3 24 | $360.9M | $96.0M | ||
| Q2 24 | $387.2M | $105.6M | ||
| Q1 24 | $300.8M | $115.3M |
股东权益LMNDRGR
| Q4 25 | $533.6M | $283.8M | ||
| Q3 25 | $516.2M | $279.6M | ||
| Q2 25 | $527.1M | $289.3M | ||
| Q1 25 | $545.5M | $321.5M | ||
| Q4 24 | $593.4M | $319.6M | ||
| Q3 24 | $593.0M | $314.9M | ||
| Q2 24 | $635.2M | $321.5M | ||
| Q1 24 | $676.4M | $332.0M |
总资产LMNDRGR
| Q4 25 | $1.9B | $342.0M | ||
| Q3 25 | $1.9B | $342.3M | ||
| Q2 25 | $1.9B | $349.5M | ||
| Q1 25 | $1.9B | $379.0M | ||
| Q4 24 | $1.8B | $384.0M | ||
| Q3 24 | $1.8B | $373.5M | ||
| Q2 24 | $1.7B | $376.7M | ||
| Q1 24 | $1.6B | $385.0M |
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 | $15.5M |
| 自由现金流经营现金流 - 资本支出 | $-25.9M | $12.3M |
| 自由现金流率自由现金流/营收 | -11.4% | 8.2% |
| 资本支出强度资本支出/营收 | 4.1% | 2.1% |
| 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 | $38.5M |
8季度趋势，按日历期对齐
经营现金流LMNDRGR
| Q4 25 | $-16.5M | $15.5M | ||
| Q3 25 | $4.5M | $12.9M | ||
| Q2 25 | $5.5M | $14.7M | ||
| Q1 25 | $-47.2M | $11.1M | ||
| Q4 24 | $-11.4M | $20.0M | ||
| Q3 24 | $16.3M | $9.4M | ||
| Q2 24 | $-11.7M | $18.7M | ||
| Q1 24 | $-29.8M | $7.3M |
自由现金流LMNDRGR
| Q4 25 | $-25.9M | $12.3M | ||
| Q3 25 | $2.6M | $7.0M | ||
| Q2 25 | $3.4M | $9.1M | ||
| Q1 25 | $-49.5M | $10.0M | ||
| Q4 24 | $-20.8M | $16.4M | ||
| Q3 24 | $14.1M | $2.6M | ||
| Q2 24 | $-13.2M | $10.1M | ||
| Q1 24 | $-32.3M | $5.6M |
自由现金流率LMNDRGR
| Q4 25 | -11.4% | 8.2% | ||
| Q3 25 | 1.3% | 5.5% | ||
| Q2 25 | 2.1% | 6.9% | ||
| Q1 25 | -32.7% | 7.4% | ||
| Q4 24 | -14.0% | 11.2% | ||
| Q3 24 | 10.3% | 2.1% | ||
| Q2 24 | -10.8% | 7.7% | ||
| Q1 24 | -27.1% | 4.1% |
资本支出强度LMNDRGR
| Q4 25 | 4.1% | 2.1% | ||
| Q3 25 | 1.0% | 4.6% | ||
| Q2 25 | 1.3% | 4.2% | ||
| Q1 25 | 1.5% | 0.8% | ||
| Q4 24 | 6.3% | 2.5% | ||
| Q3 24 | 1.6% | 5.5% | ||
| Q2 24 | 1.2% | 6.6% | ||
| Q1 24 | 2.1% | 1.3% |
现金转化率LMNDRGR
| Q4 25 | — | — | ||
| Q3 25 | — | 8.15× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.98× | ||
| Q2 24 | — | 2.27× | ||
| Q1 24 | — | 1.04× |
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
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
