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NAVIENT CORP（NAVI）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
GIBRALTAR INDUSTRIES, INC.的季度营收约是NAVIENT CORP的1.6倍（$225.0M vs $137.0M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs -38.3%），过去两年GIBRALTAR INDUSTRIES, INC.的营收复合增速更高（-12.3% 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。
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。
NAVI vs ROCK — 直观对比
营收规模更大
ROCK
是对方的1.6倍
$137.0M
营收增速更快
ROCK
高出63.2%
-38.3%
两年增速更快
ROCK
近两年复合增速
-30.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $137.0M | $225.0M |
| 净利润 | $-6.0M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | -5.9% | 7.9% |
| 净利率 | -5.0% | — |
| 营收同比 | -38.3% | 24.9% |
| 净利润同比 | -125.0% | — |
| 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NAVIROCK
| Q4 25 | $137.0M | $225.0M | ||
| Q3 25 | $161.0M | $310.9M | ||
| Q2 25 | $156.0M | $309.5M | ||
| Q1 25 | $156.0M | $290.0M | ||
| Q4 24 | $222.0M | $180.1M | ||
| Q3 24 | $396.0M | $277.1M | ||
| Q2 24 | $247.0M | $273.6M | ||
| Q1 24 | $287.0M | $292.5M |
净利润NAVIROCK
| Q4 25 | $-6.0M | — | ||
| Q3 25 | $-86.0M | $-89.1M | ||
| Q2 25 | $14.0M | $26.0M | ||
| Q1 25 | $-2.0M | $21.1M | ||
| Q4 24 | $24.0M | — | ||
| Q3 24 | $-2.0M | $34.0M | ||
| Q2 24 | $36.0M | $32.2M | ||
| Q1 24 | $73.0M | $24.9M |
毛利率NAVIROCK
| 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NAVIROCK
| Q4 25 | -5.9% | 7.9% | ||
| Q3 25 | -72.7% | 12.8% | ||
| Q2 25 | 11.5% | 12.8% | ||
| Q1 25 | -3.2% | 8.8% | ||
| Q4 24 | 11.7% | 13.3% | ||
| Q3 24 | 3.0% | 15.6% | ||
| Q2 24 | 19.4% | 14.9% | ||
| Q1 24 | 30.7% | 10.8% |
净利率NAVIROCK
| Q4 25 | -5.0% | — | ||
| Q3 25 | -53.4% | -28.6% | ||
| Q2 25 | 9.0% | 8.4% | ||
| Q1 25 | -1.3% | 7.3% | ||
| Q4 24 | 10.8% | — | ||
| Q3 24 | -0.5% | 12.3% | ||
| Q2 24 | 14.6% | 11.8% | ||
| Q1 24 | 25.4% | 8.5% |
每股收益（稀释后）NAVIROCK
| Q4 25 | $-0.05 | — | ||
| Q3 25 | $-0.87 | $-2.98 | ||
| Q2 25 | $0.13 | $0.87 | ||
| Q1 25 | $-0.02 | — | ||
| Q4 24 | $0.24 | — | ||
| Q3 24 | $-0.02 | $1.11 | ||
| Q2 24 | $0.32 | $1.05 | ||
| 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 | $115.7M |
| 总债务越低越好 | $40.6B | $0 |
| 股东权益账面价值 | $2.4B | $950.4M |
| 总资产 | $48.7B | $1.4B |
| 负债/权益比越低杠杆越低 | 16.94× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资NAVIROCK
| Q4 25 | $637.0M | $115.7M | ||
| Q3 25 | $571.0M | $89.4M | ||
| Q2 25 | $712.0M | $43.3M | ||
| Q1 25 | $642.0M | $25.1M | ||
| Q4 24 | $722.0M | $269.5M | ||
| Q3 24 | $1.1B | $228.9M | ||
| Q2 24 | $1.1B | $179.1M | ||
| Q1 24 | $823.0M | $146.7M |
总债务NAVIROCK
| Q4 25 | $40.6B | $0 | ||
| Q3 25 | $41.4B | $0 | ||
| Q2 25 | $42.3B | $0 | ||
| Q1 25 | $42.9B | $0 | ||
| Q4 24 | $43.2B | $0 | ||
| Q3 24 | $44.7B | $0 | ||
| Q2 24 | $47.5B | $0 | ||
| Q1 24 | $50.8B | $0 |
股东权益NAVIROCK
| Q4 25 | $2.4B | $950.4M | ||
| Q3 25 | $2.4B | $951.8M | ||
| Q2 25 | $2.6B | $1.0B | ||
| Q1 25 | $2.6B | $1.0B | ||
| Q4 24 | $2.6B | $1.0B | ||
| Q3 24 | $2.7B | $1.0B | ||
| Q2 24 | $2.7B | $975.7M | ||
| Q1 24 | $2.8B | $940.2M |
总资产NAVIROCK
| Q4 25 | $48.7B | $1.4B | ||
| Q3 25 | $49.3B | $1.4B | ||
| Q2 25 | $50.2B | $1.5B | ||
| Q1 25 | $51.0B | $1.4B | ||
| Q4 24 | $51.8B | $1.4B | ||
| Q3 24 | $53.4B | $1.4B | ||
| Q2 24 | $56.6B | $1.4B | ||
| Q1 24 | $59.0B | $1.3B |
负债/权益比NAVIROCK
| Q4 25 | 16.94× | 0.00× | ||
| Q3 25 | 16.98× | 0.00× | ||
| Q2 25 | 16.52× | 0.00× | ||
| Q1 25 | 16.56× | 0.00× | ||
| Q4 24 | 16.35× | 0.00× | ||
| Q3 24 | 16.59× | 0.00× | ||
| Q2 24 | 17.30× | 0.00× | ||
| Q1 24 | 18.38× | 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 | $441.0M | $35.5M |
| 自由现金流经营现金流 - 资本支出 | — | $26.2M |
| 自由现金流率自由现金流/营收 | — | 11.7% |
| 资本支出强度资本支出/营收 | — | 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 | — | $120.6M |
8季度趋势，按日历期对齐
经营现金流NAVIROCK
| Q4 25 | $441.0M | $35.5M | ||
| Q3 25 | $70.0M | $73.0M | ||
| Q2 25 | $126.0M | $44.9M | ||
| Q1 25 | $71.0M | $13.7M | ||
| Q4 24 | $459.0M | $19.9M | ||
| Q3 24 | $-10.0M | $64.7M | ||
| Q2 24 | $279.0M | $36.5M | ||
| Q1 24 | $182.0M | $53.2M |
自由现金流NAVIROCK
| Q4 25 | — | $26.2M | ||
| Q3 25 | — | $64.8M | ||
| Q2 25 | — | $27.3M | ||
| Q1 25 | — | $2.3M | ||
| Q4 24 | — | $14.1M | ||
| Q3 24 | — | $60.5M | ||
| Q2 24 | — | $33.5M | ||
| Q1 24 | — | $48.8M |
自由现金流率NAVIROCK
| Q4 25 | — | 11.7% | ||
| Q3 25 | — | 20.8% | ||
| Q2 25 | — | 8.8% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 7.8% | ||
| Q3 24 | — | 21.8% | ||
| Q2 24 | — | 12.2% | ||
| Q1 24 | — | 16.7% |
资本支出强度NAVIROCK
| Q4 25 | — | 4.1% | ||
| Q3 25 | — | 2.6% | ||
| Q2 25 | — | 5.7% | ||
| Q1 25 | — | 3.9% | ||
| Q4 24 | — | 3.3% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.1% | ||
| Q1 24 | — | 1.5% |
现金转化率NAVIROCK
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 9.00× | 1.73× | ||
| Q1 25 | — | 0.65× | ||
| Q4 24 | 19.13× | — | ||
| Q3 24 | — | 1.90× | ||
| Q2 24 | 7.75× | 1.13× | ||
| Q1 24 | 2.49× | 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
NAVI
暂无分部数据
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
