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Lemonade, Inc.（LMND）与ROGERS CORP（ROG）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ROGERS CORP的1.1倍（$228.1M vs $200.5M），ROGERS CORP净利率更高（2.2% vs -9.5%，领先11.8%），Lemonade, Inc.同比增速更快（53.3% vs 5.2%），ROGERS CORP自由现金流更多（$1.1M vs $-25.9M），过去两年Lemonade, Inc.的营收复合增速更高（38.4% vs -3.3%）
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。
罗杰斯公司是一家专注于特种工程材料研发生产的企业，总部位于美国亚利桑那州钱德勒市，其产品广泛应用于先进电子、移动通信、清洁能源、航空航天等多个高科技领域，为全球客户提供高性能材料解决方案。
LMND vs ROG — 直观对比
营收规模更大
LMND
是对方的1.1倍
$200.5M
营收增速更快
LMND
高出48.0%
5.2%
净利率更高
ROG
高出11.8%
-9.5%
自由现金流更多
ROG
多$27.0M
$-25.9M
两年增速更快
LMND
近两年复合增速
-3.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $228.1M | $200.5M |
| 净利润 | $-21.7M | $4.5M |
| 毛利率 | — | 32.2% |
| 营业利润率 | -9.0% | — |
| 净利率 | -9.5% | 2.2% |
| 营收同比 | 53.3% | 5.2% |
| 净利润同比 | 27.7% | 421.4% |
| 每股收益（稀释后） | $-0.27 | $0.25 |
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LMNDROG
| Q1 26 | — | $200.5M | ||
| Q4 25 | $228.1M | $201.5M | ||
| Q3 25 | $194.5M | $216.0M | ||
| Q2 25 | $164.1M | $202.8M | ||
| Q1 25 | $151.2M | $190.5M | ||
| Q4 24 | $148.8M | $192.2M | ||
| Q3 24 | $136.6M | $210.3M | ||
| Q2 24 | $122.0M | $214.2M |
净利润LMNDROG
| Q1 26 | — | $4.5M | ||
| Q4 25 | $-21.7M | $4.6M | ||
| Q3 25 | $-37.5M | $8.6M | ||
| Q2 25 | $-43.9M | $-73.6M | ||
| Q1 25 | $-62.4M | $-1.4M | ||
| Q4 24 | $-30.0M | $-500.0K | ||
| Q3 24 | $-67.7M | $10.7M | ||
| Q2 24 | $-57.2M | $8.1M |
毛利率LMNDROG
| Q1 26 | — | 32.2% | ||
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 33.5% | ||
| Q2 25 | — | 31.6% | ||
| Q1 25 | — | 29.9% | ||
| Q4 24 | — | 32.1% | ||
| Q3 24 | — | 35.2% | ||
| Q2 24 | — | 34.1% |
营业利润率LMNDROG
| Q1 26 | — | — | ||
| Q4 25 | -9.0% | 3.5% | ||
| Q3 25 | -18.7% | 7.3% | ||
| Q2 25 | -26.0% | -33.3% | ||
| Q1 25 | -40.6% | -0.2% | ||
| Q4 24 | -25.4% | -6.6% | ||
| Q3 24 | -48.2% | 6.9% | ||
| Q2 24 | -45.2% | 5.3% |
净利率LMNDROG
| Q1 26 | — | 2.2% | ||
| Q4 25 | -9.5% | 2.3% | ||
| Q3 25 | -19.3% | 4.0% | ||
| Q2 25 | -26.8% | -36.3% | ||
| Q1 25 | -41.3% | -0.7% | ||
| Q4 24 | -20.2% | -0.3% | ||
| Q3 24 | -49.6% | 5.1% | ||
| Q2 24 | -46.9% | 3.8% |
每股收益（稀释后）LMNDROG
| Q1 26 | — | $0.25 | ||
| Q4 25 | $-0.27 | $0.20 | ||
| Q3 25 | $-0.51 | $0.48 | ||
| Q2 25 | $-0.60 | $-4.00 | ||
| Q1 25 | $-0.86 | $-0.08 | ||
| Q4 24 | $-0.42 | $-0.04 | ||
| Q3 24 | $-0.95 | $0.58 | ||
| Q2 24 | $-0.81 | $0.44 |
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 | $195.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $533.6M | $1.2B |
| 总资产 | $1.9B | $1.4B |
| 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LMNDROG
| Q1 26 | — | $195.8M | ||
| Q4 25 | $399.1M | $197.0M | ||
| Q3 25 | $369.4M | $167.8M | ||
| Q2 25 | $398.8M | $157.2M | ||
| Q1 25 | $329.7M | $175.6M | ||
| Q4 24 | $403.5M | $159.8M | ||
| Q3 24 | $360.9M | $146.4M | ||
| Q2 24 | $387.2M | $119.9M |
股东权益LMNDROG
| Q1 26 | — | $1.2B | ||
| Q4 25 | $533.6M | $1.2B | ||
| Q3 25 | $516.2M | $1.2B | ||
| Q2 25 | $527.1M | $1.2B | ||
| Q1 25 | $545.5M | $1.3B | ||
| Q4 24 | $593.4M | $1.3B | ||
| Q3 24 | $593.0M | $1.3B | ||
| Q2 24 | $635.2M | $1.3B |
总资产LMNDROG
| Q1 26 | — | $1.4B | ||
| Q4 25 | $1.9B | $1.4B | ||
| Q3 25 | $1.9B | $1.4B | ||
| Q2 25 | $1.9B | $1.5B | ||
| Q1 25 | $1.9B | $1.5B | ||
| Q4 24 | $1.8B | $1.5B | ||
| Q3 24 | $1.8B | $1.5B | ||
| Q2 24 | $1.7B | $1.5B |
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 | $5.8M |
| 自由现金流经营现金流 - 资本支出 | $-25.9M | $1.1M |
| 自由现金流率自由现金流/营收 | -11.4% | 0.5% |
| 资本支出强度资本支出/营收 | 4.1% | 2.3% |
| 现金转化率经营现金流/净利润 | — | 1.29× |
| 过去12个月自由现金流最近4个季度 | $-69.4M | $70.1M |
8季度趋势，按日历期对齐
经营现金流LMNDROG
| Q1 26 | — | $5.8M | ||
| Q4 25 | $-16.5M | $46.9M | ||
| Q3 25 | $4.5M | $28.9M | ||
| Q2 25 | $5.5M | $13.7M | ||
| Q1 25 | $-47.2M | $11.7M | ||
| Q4 24 | $-11.4M | $33.7M | ||
| Q3 24 | $16.3M | $42.4M | ||
| Q2 24 | $-11.7M | $22.9M |
自由现金流LMNDROG
| Q1 26 | — | $1.1M | ||
| Q4 25 | $-25.9M | $42.2M | ||
| Q3 25 | $2.6M | $21.2M | ||
| Q2 25 | $3.4M | $5.6M | ||
| Q1 25 | $-49.5M | $2.1M | ||
| Q4 24 | $-20.8M | $18.3M | ||
| Q3 24 | $14.1M | $25.2M | ||
| Q2 24 | $-13.2M | $8.8M |
自由现金流率LMNDROG
| Q1 26 | — | 0.5% | ||
| Q4 25 | -11.4% | 20.9% | ||
| Q3 25 | 1.3% | 9.8% | ||
| Q2 25 | 2.1% | 2.8% | ||
| Q1 25 | -32.7% | 1.1% | ||
| Q4 24 | -14.0% | 9.5% | ||
| Q3 24 | 10.3% | 12.0% | ||
| Q2 24 | -10.8% | 4.1% |
资本支出强度LMNDROG
| Q1 26 | — | 2.3% | ||
| Q4 25 | 4.1% | 2.3% | ||
| Q3 25 | 1.0% | 3.6% | ||
| Q2 25 | 1.3% | 4.0% | ||
| Q1 25 | 1.5% | 5.0% | ||
| Q4 24 | 6.3% | 8.0% | ||
| Q3 24 | 1.6% | 8.2% | ||
| Q2 24 | 1.2% | 6.6% |
现金转化率LMNDROG
| Q1 26 | — | 1.29× | ||
| Q4 25 | — | 10.20× | ||
| Q3 25 | — | 3.36× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.96× | ||
| Q2 24 | — | 2.83× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
