vs
Lemonade, Inc.（LMND）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
Lemonade, Inc.的季度营收约是GIBRALTAR INDUSTRIES, INC.的1.0倍（$228.1M vs $225.0M），Lemonade, Inc.同比增速更快（53.3% vs 24.9%），GIBRALTAR INDUSTRIES, INC.自由现金流更多（$26.2M vs $-25.9M），过去两年Lemonade, Inc.的营收复合增速更高（38.4% vs -12.3%）
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。
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。
LMND vs ROCK — 直观对比
营收规模更大
LMND
是对方的1.0倍
$225.0M
营收增速更快
LMND
高出28.3%
24.9%
自由现金流更多
ROCK
多$52.1M
$-25.9M
两年增速更快
LMND
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $228.1M | $225.0M |
| 净利润 | $-21.7M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | -9.0% | 7.9% |
| 净利率 | -9.5% | — |
| 营收同比 | 53.3% | 24.9% |
| 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LMNDROCK
| Q4 25 | $228.1M | $225.0M | ||
| Q3 25 | $194.5M | $310.9M | ||
| Q2 25 | $164.1M | $309.5M | ||
| Q1 25 | $151.2M | $290.0M | ||
| Q4 24 | $148.8M | $180.1M | ||
| Q3 24 | $136.6M | $277.1M | ||
| Q2 24 | $122.0M | $273.6M | ||
| Q1 24 | $119.1M | $292.5M |
净利润LMNDROCK
| Q4 25 | $-21.7M | — | ||
| Q3 25 | $-37.5M | $-89.1M | ||
| Q2 25 | $-43.9M | $26.0M | ||
| Q1 25 | $-62.4M | $21.1M | ||
| Q4 24 | $-30.0M | — | ||
| Q3 24 | $-67.7M | $34.0M | ||
| Q2 24 | $-57.2M | $32.2M | ||
| Q1 24 | $-47.3M | $24.9M |
毛利率LMNDROCK
| 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LMNDROCK
| Q4 25 | -9.0% | 7.9% | ||
| Q3 25 | -18.7% | 12.8% | ||
| Q2 25 | -26.0% | 12.8% | ||
| Q1 25 | -40.6% | 8.8% | ||
| Q4 24 | -25.4% | 13.3% | ||
| Q3 24 | -48.2% | 15.6% | ||
| Q2 24 | -45.2% | 14.9% | ||
| Q1 24 | -38.0% | 10.8% |
净利率LMNDROCK
| Q4 25 | -9.5% | — | ||
| Q3 25 | -19.3% | -28.6% | ||
| Q2 25 | -26.8% | 8.4% | ||
| Q1 25 | -41.3% | 7.3% | ||
| Q4 24 | -20.2% | — | ||
| Q3 24 | -49.6% | 12.3% | ||
| Q2 24 | -46.9% | 11.8% | ||
| Q1 24 | -39.7% | 8.5% |
每股收益（稀释后）LMNDROCK
| Q4 25 | $-0.27 | — | ||
| Q3 25 | $-0.51 | $-2.98 | ||
| Q2 25 | $-0.60 | $0.87 | ||
| Q1 25 | $-0.86 | — | ||
| Q4 24 | $-0.42 | — | ||
| Q3 24 | $-0.95 | $1.11 | ||
| Q2 24 | $-0.81 | $1.05 | ||
| 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 | $115.7M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $533.6M | $950.4M |
| 总资产 | $1.9B | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资LMNDROCK
| Q4 25 | $399.1M | $115.7M | ||
| Q3 25 | $369.4M | $89.4M | ||
| Q2 25 | $398.8M | $43.3M | ||
| Q1 25 | $329.7M | $25.1M | ||
| Q4 24 | $403.5M | $269.5M | ||
| Q3 24 | $360.9M | $228.9M | ||
| Q2 24 | $387.2M | $179.1M | ||
| Q1 24 | $300.8M | $146.7M |
总债务LMNDROCK
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $0 |
股东权益LMNDROCK
| Q4 25 | $533.6M | $950.4M | ||
| Q3 25 | $516.2M | $951.8M | ||
| Q2 25 | $527.1M | $1.0B | ||
| Q1 25 | $545.5M | $1.0B | ||
| Q4 24 | $593.4M | $1.0B | ||
| Q3 24 | $593.0M | $1.0B | ||
| Q2 24 | $635.2M | $975.7M | ||
| Q1 24 | $676.4M | $940.2M |
总资产LMNDROCK
| Q4 25 | $1.9B | $1.4B | ||
| Q3 25 | $1.9B | $1.4B | ||
| Q2 25 | $1.9B | $1.5B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $1.8B | $1.4B | ||
| Q3 24 | $1.8B | $1.4B | ||
| Q2 24 | $1.7B | $1.4B | ||
| Q1 24 | $1.6B | $1.3B |
负债/权益比LMNDROCK
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 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 | $-16.5M | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $-25.9M | $26.2M |
| 自由现金流率自由现金流/营收 | -11.4% | 11.7% |
| 资本支出强度资本支出/营收 | 4.1% | 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 | $120.6M |
8季度趋势，按日历期对齐
经营现金流LMNDROCK
| Q4 25 | $-16.5M | $35.5M | ||
| Q3 25 | $4.5M | $73.0M | ||
| Q2 25 | $5.5M | $44.9M | ||
| Q1 25 | $-47.2M | $13.7M | ||
| Q4 24 | $-11.4M | $19.9M | ||
| Q3 24 | $16.3M | $64.7M | ||
| Q2 24 | $-11.7M | $36.5M | ||
| Q1 24 | $-29.8M | $53.2M |
自由现金流LMNDROCK
| Q4 25 | $-25.9M | $26.2M | ||
| Q3 25 | $2.6M | $64.8M | ||
| Q2 25 | $3.4M | $27.3M | ||
| Q1 25 | $-49.5M | $2.3M | ||
| Q4 24 | $-20.8M | $14.1M | ||
| Q3 24 | $14.1M | $60.5M | ||
| Q2 24 | $-13.2M | $33.5M | ||
| Q1 24 | $-32.3M | $48.8M |
自由现金流率LMNDROCK
| Q4 25 | -11.4% | 11.7% | ||
| Q3 25 | 1.3% | 20.8% | ||
| Q2 25 | 2.1% | 8.8% | ||
| Q1 25 | -32.7% | 0.8% | ||
| Q4 24 | -14.0% | 7.8% | ||
| Q3 24 | 10.3% | 21.8% | ||
| Q2 24 | -10.8% | 12.2% | ||
| Q1 24 | -27.1% | 16.7% |
资本支出强度LMNDROCK
| Q4 25 | 4.1% | 4.1% | ||
| Q3 25 | 1.0% | 2.6% | ||
| Q2 25 | 1.3% | 5.7% | ||
| Q1 25 | 1.5% | 3.9% | ||
| Q4 24 | 6.3% | 3.3% | ||
| Q3 24 | 1.6% | 1.5% | ||
| Q2 24 | 1.2% | 1.1% | ||
| Q1 24 | 2.1% | 1.5% |
现金转化率LMNDROCK
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 1.73× | ||
| Q1 25 | — | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 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
LMND
暂无分部数据
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
