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NAVIENT CORP（NAVI）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
Ribbon Communications Inc.的季度营收约是NAVIENT CORP的1.2倍（$162.6M vs $137.0M），Ribbon Communications Inc.净利率更高（54.8% vs -5.0%，领先59.8%），Ribbon Communications Inc.同比增速更快（-10.3% vs -38.3%），过去两年Ribbon Communications Inc.的营收复合增速更高（-8.1% vs -30.9%）
纳文特公司是一家总部位于美国特拉华州威尔明顿的金融服务企业，前身是学生贷款服务商。公司于2014年由学生贷款机构萨利美拆分而来，目前在美国各地设有办事处，共有约4500名员工，2018年时曾承接全美四分之一的学生贷款业务，2024年被禁止承接联邦学生贷款业务。
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。
NAVI vs RBBN — 直观对比
营收规模更大
RBBN
是对方的1.2倍
$137.0M
营收增速更快
RBBN
高出28.0%
-38.3%
净利率更高
RBBN
高出59.8%
-5.0%
两年增速更快
RBBN
近两年复合增速
-30.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $137.0M | $162.6M |
| 净利润 | $-6.0M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | -5.9% | 37.6% |
| 净利率 | -5.0% | 54.8% |
| 营收同比 | -38.3% | -10.3% |
| 净利润同比 | -125.0% | — |
| 每股收益（稀释后） | $-0.05 | $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NAVIRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $137.0M | $227.3M | ||
| Q3 25 | $161.0M | $215.4M | ||
| Q2 25 | $156.0M | $220.6M | ||
| Q1 25 | $156.0M | $181.3M | ||
| Q4 24 | $222.0M | $251.4M | ||
| Q3 24 | $396.0M | $210.2M | ||
| Q2 24 | $247.0M | $192.6M |
净利润NAVIRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | $-6.0M | — | ||
| Q3 25 | $-86.0M | $-12.1M | ||
| Q2 25 | $14.0M | $-11.1M | ||
| Q1 25 | $-2.0M | $-26.2M | ||
| Q4 24 | $24.0M | — | ||
| Q3 24 | $-2.0M | $-13.4M | ||
| Q2 24 | $36.0M | $-16.8M |
毛利率NAVIRBBN
| 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NAVIRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | -5.9% | 4.1% | ||
| Q3 25 | -72.7% | 1.3% | ||
| Q2 25 | 11.5% | 1.9% | ||
| Q1 25 | -3.2% | -10.8% | ||
| Q4 24 | 11.7% | 13.2% | ||
| Q3 24 | 3.0% | -0.4% | ||
| Q2 24 | 19.4% | -1.0% |
净利率NAVIRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | -5.0% | — | ||
| Q3 25 | -53.4% | -5.6% | ||
| Q2 25 | 9.0% | -5.0% | ||
| Q1 25 | -1.3% | -14.5% | ||
| Q4 24 | 10.8% | — | ||
| Q3 24 | -0.5% | -6.4% | ||
| Q2 24 | 14.6% | -8.7% |
每股收益（稀释后）NAVIRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $-0.05 | $0.50 | ||
| Q3 25 | $-0.87 | $-0.07 | ||
| Q2 25 | $0.13 | $-0.06 | ||
| Q1 25 | $-0.02 | $-0.15 | ||
| Q4 24 | $0.24 | $0.05 | ||
| Q3 24 | $-0.02 | $-0.08 | ||
| Q2 24 | $0.32 | $-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 | $637.0M | $67.6M |
| 总债务越低越好 | $40.6B | — |
| 股东权益账面价值 | $2.4B | $419.1M |
| 总资产 | $48.7B | — |
| 负债/权益比越低杠杆越低 | 16.94× | — |
8季度趋势，按日历期对齐
现金及短期投资NAVIRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | $637.0M | $96.4M | ||
| Q3 25 | $571.0M | $74.8M | ||
| Q2 25 | $712.0M | $60.5M | ||
| Q1 25 | $642.0M | $71.2M | ||
| Q4 24 | $722.0M | $87.8M | ||
| Q3 24 | $1.1B | $37.2M | ||
| Q2 24 | $1.1B | $64.6M |
总债务NAVIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $40.6B | $342.1M | ||
| Q3 25 | $41.4B | $344.3M | ||
| Q2 25 | $42.3B | $346.5M | ||
| Q1 25 | $42.9B | $347.4M | ||
| Q4 24 | $43.2B | $348.3M | ||
| Q3 24 | $44.7B | $349.1M | ||
| Q2 24 | $47.5B | $350.0M |
股东权益NAVIRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $2.4B | $449.0M | ||
| Q3 25 | $2.4B | $360.1M | ||
| Q2 25 | $2.6B | $370.4M | ||
| Q1 25 | $2.6B | $381.8M | ||
| Q4 24 | $2.6B | $404.6M | ||
| Q3 24 | $2.7B | $395.5M | ||
| Q2 24 | $2.7B | $405.0M |
总资产NAVIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $48.7B | $1.2B | ||
| Q3 25 | $49.3B | $1.1B | ||
| Q2 25 | $50.2B | $1.1B | ||
| Q1 25 | $51.0B | $1.1B | ||
| Q4 24 | $51.8B | $1.2B | ||
| Q3 24 | $53.4B | $1.1B | ||
| Q2 24 | $56.6B | $1.1B |
负债/权益比NAVIRBBN
| Q1 26 | — | — | ||
| Q4 25 | 16.94× | 0.76× | ||
| Q3 25 | 16.98× | 0.96× | ||
| Q2 25 | 16.52× | 0.94× | ||
| Q1 25 | 16.56× | 0.91× | ||
| Q4 24 | 16.35× | 0.86× | ||
| Q3 24 | 16.59× | 0.88× | ||
| Q2 24 | 17.30× | 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 | $441.0M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流NAVIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $441.0M | $29.2M | ||
| Q3 25 | $70.0M | $26.5M | ||
| Q2 25 | $126.0M | $-795.0K | ||
| Q1 25 | $71.0M | $-3.5M | ||
| Q4 24 | $459.0M | $61.8M | ||
| Q3 24 | $-10.0M | $-14.8M | ||
| Q2 24 | $279.0M | $-9.8M |
自由现金流NAVIRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $27.3M | ||
| Q3 25 | — | $21.0M | ||
| Q2 25 | — | $-6.5M | ||
| Q1 25 | — | $-15.7M | ||
| Q4 24 | — | $53.8M | ||
| Q3 24 | — | $-23.7M | ||
| Q2 24 | — | $-12.9M |
自由现金流率NAVIRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 12.0% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | -2.9% | ||
| Q1 25 | — | -8.7% | ||
| Q4 24 | — | 21.4% | ||
| Q3 24 | — | -11.3% | ||
| Q2 24 | — | -6.7% |
资本支出强度NAVIRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 2.6% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 6.7% | ||
| Q4 24 | — | 3.2% | ||
| Q3 24 | — | 4.2% | ||
| Q2 24 | — | 1.6% |
现金转化率NAVIRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 9.00× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 19.13× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 7.75× | — |
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
NAVI
暂无分部数据
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
