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NAVIENT CORP（NAVI）与RCI HOSPITALITY HOLDINGS, INC.（RICK）财务数据对比。点击上方公司名可切换其他公司
NAVIENT CORP的季度营收约是RCI HOSPITALITY HOLDINGS, INC.的1.9倍（$137.0M vs $70.9M），NAVIENT CORP净利率更高（-5.0% vs -7.8%，领先2.7%），RCI HOSPITALITY HOLDINGS, INC.同比增速更快（-3.1% vs -38.3%），过去两年RCI HOSPITALITY HOLDINGS, INC.的营收复合增速更高（-2.0% 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。
RCI Hospitality控股通过子公司经营脱衣舞俱乐部、夜总会、运动酒吧与餐厅，同时还运营一家为成人俱乐部行业提供服务的传媒会展企业。公司于1995年完成首次公开募股上市，目前在纳斯达克全球市场挂牌交易。
NAVI vs RICK — 直观对比
营收规模更大
NAVI
是对方的1.9倍
$70.9M
营收增速更快
RICK
高出35.1%
-38.3%
净利率更高
NAVI
高出2.7%
-7.8%
两年增速更快
RICK
近两年复合增速
-30.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $137.0M | $70.9M |
| 净利润 | $-6.0M | $-5.5M |
| 毛利率 | — | — |
| 营业利润率 | -5.9% | -0.7% |
| 净利率 | -5.0% | -7.8% |
| 营收同比 | -38.3% | -3.1% |
| 净利润同比 | -125.0% | -2354.9% |
| 每股收益（稀释后） | $-0.05 | $-0.60 |
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NAVIRICK
| Q4 25 | $137.0M | — | ||
| Q3 25 | $161.0M | $70.9M | ||
| Q2 25 | $156.0M | $71.1M | ||
| Q1 25 | $156.0M | $65.9M | ||
| Q4 24 | $222.0M | $71.5M | ||
| Q3 24 | $396.0M | $73.2M | ||
| Q2 24 | $247.0M | $76.2M | ||
| Q1 24 | $287.0M | $72.3M |
净利润NAVIRICK
| Q4 25 | $-6.0M | — | ||
| Q3 25 | $-86.0M | $-5.5M | ||
| Q2 25 | $14.0M | $4.1M | ||
| Q1 25 | $-2.0M | $3.2M | ||
| Q4 24 | $24.0M | $9.0M | ||
| Q3 24 | $-2.0M | $244.0K | ||
| Q2 24 | $36.0M | $-5.2M | ||
| Q1 24 | $73.0M | $774.0K |
营业利润率NAVIRICK
| Q4 25 | -5.9% | — | ||
| Q3 25 | -72.7% | -0.7% | ||
| Q2 25 | 11.5% | 12.2% | ||
| Q1 25 | -3.2% | 12.4% | ||
| Q4 24 | 11.7% | 19.5% | ||
| Q3 24 | 3.0% | 4.8% | ||
| Q2 24 | 19.4% | -3.3% | ||
| Q1 24 | 30.7% | 6.4% |
净利率NAVIRICK
| Q4 25 | -5.0% | — | ||
| Q3 25 | -53.4% | -7.8% | ||
| Q2 25 | 9.0% | 5.7% | ||
| Q1 25 | -1.3% | 4.9% | ||
| Q4 24 | 10.8% | 12.6% | ||
| Q3 24 | -0.5% | 0.3% | ||
| Q2 24 | 14.6% | -6.9% | ||
| Q1 24 | 25.4% | 1.1% |
每股收益（稀释后）NAVIRICK
| Q4 25 | $-0.05 | — | ||
| Q3 25 | $-0.87 | $-0.60 | ||
| Q2 25 | $0.13 | $0.46 | ||
| Q1 25 | $-0.02 | $0.36 | ||
| Q4 24 | $0.24 | $1.01 | ||
| Q3 24 | $-0.02 | $0.04 | ||
| Q2 24 | $0.32 | $-0.56 | ||
| Q1 24 | $0.64 | $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 | $637.0M | $33.7M |
| 总债务越低越好 | $40.6B | $238.2M |
| 股东权益账面价值 | $2.4B | $261.1M |
| 总资产 | $48.7B | $596.9M |
| 负债/权益比越低杠杆越低 | 16.94× | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资NAVIRICK
| Q4 25 | $637.0M | — | ||
| Q3 25 | $571.0M | $33.7M | ||
| Q2 25 | $712.0M | $29.3M | ||
| Q1 25 | $642.0M | $32.7M | ||
| Q4 24 | $722.0M | $34.7M | ||
| Q3 24 | $1.1B | $32.4M | ||
| Q2 24 | $1.1B | $34.9M | ||
| Q1 24 | $823.0M | $20.0M |
总债务NAVIRICK
| Q4 25 | $40.6B | — | ||
| Q3 25 | $41.4B | $238.2M | ||
| Q2 25 | $42.3B | $243.8M | ||
| Q1 25 | $42.9B | $244.1M | ||
| Q4 24 | $43.2B | — | ||
| Q3 24 | $44.7B | $241.1M | ||
| Q2 24 | $47.5B | — | ||
| Q1 24 | $50.8B | — |
股东权益NAVIRICK
| Q4 25 | $2.4B | — | ||
| Q3 25 | $2.4B | $261.1M | ||
| Q2 25 | $2.6B | $269.5M | ||
| Q1 25 | $2.6B | $268.8M | ||
| Q4 24 | $2.6B | $269.0M | ||
| Q3 24 | $2.7B | $263.4M | ||
| Q2 24 | $2.7B | $271.2M | ||
| Q1 24 | $2.8B | $285.8M |
总资产NAVIRICK
| Q4 25 | $48.7B | — | ||
| Q3 25 | $49.3B | $596.9M | ||
| Q2 25 | $50.2B | $597.4M | ||
| Q1 25 | $51.0B | $589.8M | ||
| Q4 24 | $51.8B | $586.2M | ||
| Q3 24 | $53.4B | $584.4M | ||
| Q2 24 | $56.6B | $601.0M | ||
| Q1 24 | $59.0B | $609.9M |
负债/权益比NAVIRICK
| Q4 25 | 16.94× | — | ||
| Q3 25 | 16.98× | 0.91× | ||
| Q2 25 | 16.52× | 0.90× | ||
| Q1 25 | 16.56× | 0.91× | ||
| Q4 24 | 16.35× | — | ||
| Q3 24 | 16.59× | 0.92× | ||
| Q2 24 | 17.30× | — | ||
| Q1 24 | 18.38× | — |
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 | $13.7M |
| 自由现金流经营现金流 - 资本支出 | — | $11.5M |
| 自由现金流率自由现金流/营收 | — | 16.2% |
| 资本支出强度资本支出/营收 | — | 3.2% |
| 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 | — | $34.9M |
8季度趋势，按日历期对齐
经营现金流NAVIRICK
| Q4 25 | $441.0M | — | ||
| Q3 25 | $70.0M | $13.7M | ||
| Q2 25 | $126.0M | $13.8M | ||
| Q1 25 | $71.0M | $8.5M | ||
| Q4 24 | $459.0M | $13.3M | ||
| Q3 24 | $-10.0M | $15.7M | ||
| Q2 24 | $279.0M | $15.8M | ||
| Q1 24 | $182.0M | $10.8M |
自由现金流NAVIRICK
| Q4 25 | — | — | ||
| Q3 25 | — | $11.5M | ||
| Q2 25 | — | $10.1M | ||
| Q1 25 | — | $5.7M | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | — | $10.3M | ||
| Q2 24 | — | $9.3M | ||
| Q1 24 | — | $3.2M |
自由现金流率NAVIRICK
| Q4 25 | — | — | ||
| Q3 25 | — | 16.2% | ||
| Q2 25 | — | 14.2% | ||
| Q1 25 | — | 8.6% | ||
| Q4 24 | — | 10.6% | ||
| Q3 24 | — | 14.0% | ||
| Q2 24 | — | 12.3% | ||
| Q1 24 | — | 4.4% |
资本支出强度NAVIRICK
| Q4 25 | — | — | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 5.2% | ||
| Q1 25 | — | 4.3% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | 8.4% | ||
| Q1 24 | — | 10.6% |
现金转化率NAVIRICK
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 9.00× | 3.40× | ||
| Q1 25 | — | 2.65× | ||
| Q4 24 | 19.13× | 1.48× | ||
| Q3 24 | — | 64.14× | ||
| Q2 24 | 7.75× | — | ||
| Q1 24 | 2.49× | 14.00× |
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
RICK
| Transferred At Point In Time | $60.8M | 86% |
| Food And Merchandise | $10.4M | 15% |
