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NAVIENT CORP（NAVI）与RE/MAX Holdings, Inc.（RMAX）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RE/MAX Holdings, Inc.的1.9倍（$137.0M vs $71.1M），RE/MAX Holdings, Inc.净利率更高（2.0% vs -5.0%，领先7.1%），RE/MAX Holdings, Inc.同比增速更快（-1.8% vs -38.3%），过去两年RE/MAX Holdings, Inc.的营收复合增速更高（-4.7% 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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
NAVI vs RMAX — 直观对比
营收规模更大
NAVI
是对方的1.9倍
$71.1M
营收增速更快
RMAX
高出36.5%
-38.3%
净利率更高
RMAX
高出7.1%
-5.0%
两年增速更快
RMAX
近两年复合增速
-30.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $137.0M | $71.1M |
| 净利润 | $-6.0M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | -5.9% | 13.1% |
| 净利率 | -5.0% | 2.0% |
| 营收同比 | -38.3% | -1.8% |
| 净利润同比 | -125.0% | -75.2% |
| 每股收益（稀释后） | $-0.05 | — |
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NAVIRMAX
| Q4 25 | $137.0M | $71.1M | ||
| Q3 25 | $161.0M | $73.2M | ||
| Q2 25 | $156.0M | $72.8M | ||
| Q1 25 | $156.0M | $74.5M | ||
| Q4 24 | $222.0M | $72.5M | ||
| Q3 24 | $396.0M | $78.5M | ||
| Q2 24 | $247.0M | $78.5M | ||
| Q1 24 | $287.0M | $78.3M |
净利润NAVIRMAX
| Q4 25 | $-6.0M | $1.4M | ||
| Q3 25 | $-86.0M | $4.0M | ||
| Q2 25 | $14.0M | $4.7M | ||
| Q1 25 | $-2.0M | $-2.0M | ||
| Q4 24 | $24.0M | $5.8M | ||
| Q3 24 | $-2.0M | $966.0K | ||
| Q2 24 | $36.0M | $3.7M | ||
| Q1 24 | $73.0M | $-3.4M |
营业利润率NAVIRMAX
| Q4 25 | -5.9% | 13.1% | ||
| Q3 25 | -72.7% | 25.0% | ||
| Q2 25 | 11.5% | 19.3% | ||
| Q1 25 | -3.2% | 7.2% | ||
| Q4 24 | 11.7% | 5.9% | ||
| Q3 24 | 3.0% | 19.4% | ||
| Q2 24 | 19.4% | 20.6% | ||
| Q1 24 | 30.7% | 5.8% |
净利率NAVIRMAX
| Q4 25 | -5.0% | 2.0% | ||
| Q3 25 | -53.4% | 5.4% | ||
| Q2 25 | 9.0% | 6.4% | ||
| Q1 25 | -1.3% | -2.6% | ||
| Q4 24 | 10.8% | 8.0% | ||
| Q3 24 | -0.5% | 1.2% | ||
| Q2 24 | 14.6% | 4.7% | ||
| Q1 24 | 25.4% | -4.3% |
每股收益（稀释后）NAVIRMAX
| Q4 25 | $-0.05 | — | ||
| Q3 25 | $-0.87 | — | ||
| Q2 25 | $0.13 | — | ||
| Q1 25 | $-0.02 | — | ||
| Q4 24 | $0.24 | — | ||
| Q3 24 | $-0.02 | — | ||
| Q2 24 | $0.32 | — | ||
| Q1 24 | $0.64 | — |
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 | $118.7M |
| 总债务越低越好 | $40.6B | $432.2M |
| 股东权益账面价值 | $2.4B | $452.4M |
| 总资产 | $48.7B | $582.5M |
| 负债/权益比越低杠杆越低 | 16.94× | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资NAVIRMAX
| Q4 25 | $637.0M | $118.7M | ||
| Q3 25 | $571.0M | $107.5M | ||
| Q2 25 | $712.0M | $94.3M | ||
| Q1 25 | $642.0M | $89.1M | ||
| Q4 24 | $722.0M | $96.6M | ||
| Q3 24 | $1.1B | $83.8M | ||
| Q2 24 | $1.1B | $66.1M | ||
| Q1 24 | $823.0M | $82.1M |
总债务NAVIRMAX
| Q4 25 | $40.6B | $432.2M | ||
| Q3 25 | $41.4B | $433.3M | ||
| Q2 25 | $42.3B | $434.4M | ||
| Q1 25 | $42.9B | $435.3M | ||
| Q4 24 | $43.2B | $436.2M | ||
| Q3 24 | $44.7B | $437.2M | ||
| Q2 24 | $47.5B | $438.1M | ||
| Q1 24 | $50.8B | $439.0M |
股东权益NAVIRMAX
| Q4 25 | $2.4B | $452.4M | ||
| Q3 25 | $2.4B | $448.1M | ||
| Q2 25 | $2.6B | $442.4M | ||
| Q1 25 | $2.6B | $433.5M | ||
| Q4 24 | $2.6B | $429.5M | ||
| Q3 24 | $2.7B | $423.1M | ||
| Q2 24 | $2.7B | $418.4M | ||
| Q1 24 | $2.8B | $412.0M |
总资产NAVIRMAX
| Q4 25 | $48.7B | $582.5M | ||
| Q3 25 | $49.3B | $582.2M | ||
| Q2 25 | $50.2B | $574.8M | ||
| Q1 25 | $51.0B | $571.4M | ||
| Q4 24 | $51.8B | $581.6M | ||
| Q3 24 | $53.4B | $578.6M | ||
| Q2 24 | $56.6B | $571.4M | ||
| Q1 24 | $59.0B | $566.7M |
负债/权益比NAVIRMAX
| Q4 25 | 16.94× | 0.96× | ||
| Q3 25 | 16.98× | 0.97× | ||
| Q2 25 | 16.52× | 0.98× | ||
| Q1 25 | 16.56× | 1.00× | ||
| Q4 24 | 16.35× | 1.02× | ||
| Q3 24 | 16.59× | 1.03× | ||
| Q2 24 | 17.30× | 1.05× | ||
| Q1 24 | 18.38× | 1.07× |
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 | $40.9M |
| 自由现金流经营现金流 - 资本支出 | — | $33.5M |
| 自由现金流率自由现金流/营收 | — | 47.1% |
| 资本支出强度资本支出/营收 | — | 10.4% |
| 现金转化率经营现金流/净利润 | — | 28.39× |
| 过去12个月自由现金流最近4个季度 | — | $56.8M |
8季度趋势，按日历期对齐
经营现金流NAVIRMAX
| Q4 25 | $441.0M | $40.9M | ||
| Q3 25 | $70.0M | $17.7M | ||
| Q2 25 | $126.0M | $4.6M | ||
| Q1 25 | $71.0M | $5.7M | ||
| Q4 24 | $459.0M | $59.7M | ||
| Q3 24 | $-10.0M | $17.6M | ||
| Q2 24 | $279.0M | $15.9M | ||
| Q1 24 | $182.0M | $9.4M |
自由现金流NAVIRMAX
| Q4 25 | — | $33.5M | ||
| Q3 25 | — | $16.4M | ||
| Q2 25 | — | $2.9M | ||
| Q1 25 | — | $4.0M | ||
| Q4 24 | — | $53.0M | ||
| Q3 24 | — | $16.3M | ||
| Q2 24 | — | $14.0M | ||
| Q1 24 | — | $6.8M |
自由现金流率NAVIRMAX
| Q4 25 | — | 47.1% | ||
| Q3 25 | — | 22.4% | ||
| Q2 25 | — | 4.0% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | — | 73.2% | ||
| Q3 24 | — | 20.8% | ||
| Q2 24 | — | 17.8% | ||
| Q1 24 | — | 8.6% |
资本支出强度NAVIRMAX
| Q4 25 | — | 10.4% | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 2.3% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 2.4% | ||
| Q1 24 | — | 3.3% |
现金转化率NAVIRMAX
| Q4 25 | — | 28.39× | ||
| Q3 25 | — | 4.45× | ||
| Q2 25 | 9.00× | 0.97× | ||
| Q1 25 | — | — | ||
| Q4 24 | 19.13× | 10.28× | ||
| Q3 24 | — | 18.22× | ||
| Q2 24 | 7.75× | 4.29× | ||
| Q1 24 | 2.49× | — |
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
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
