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NMI Holdings, Inc.（NMIH）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
NMI Holdings, Inc.的季度营收约是Ribbon Communications Inc.的1.1倍（$183.5M vs $162.6M），Ribbon Communications Inc.净利率更高（54.8% vs 54.1%，领先0.6%），NMI Holdings, Inc.同比增速更快（5.9% vs -10.3%），过去两年NMI Holdings, Inc.的营收复合增速更高（6.4% vs -8.1%）
NMI控股是美国头部私人抵押贷款保险服务商，主要为贷款机构提供抵押贷款担保保险产品，降低住房抵押贷款信用风险，服务美国本土住宅市场，助力符合资质的购房者获得购房便利，同时保护放贷机构免受违约损失。
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。
NMIH vs RBBN — 直观对比
营收规模更大
NMIH
是对方的1.1倍
$162.6M
营收增速更快
NMIH
高出16.2%
-10.3%
净利率更高
RBBN
高出0.6%
54.1%
两年增速更快
NMIH
近两年复合增速
-8.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $183.5M | $162.6M |
| 净利润 | $99.3M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | — | 37.6% |
| 净利率 | 54.1% | 54.8% |
| 营收同比 | 5.9% | -10.3% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $1.28 | $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NMIHRBBN
| Q1 26 | $183.5M | $162.6M | ||
| Q4 25 | $180.7M | $227.3M | ||
| Q3 25 | $178.7M | $215.4M | ||
| Q2 25 | $173.8M | $220.6M | ||
| Q1 25 | $173.2M | $181.3M | ||
| Q4 24 | $166.5M | $251.4M | ||
| Q3 24 | $166.1M | $210.2M | ||
| Q2 24 | $162.1M | $192.6M |
净利润NMIHRBBN
| Q1 26 | $99.3M | $89.1M | ||
| Q4 25 | $94.2M | — | ||
| Q3 25 | $96.0M | $-12.1M | ||
| Q2 25 | $96.2M | $-11.1M | ||
| Q1 25 | $102.6M | $-26.2M | ||
| Q4 24 | $86.2M | — | ||
| Q3 24 | $92.8M | $-13.4M | ||
| Q2 24 | $92.1M | $-16.8M |
毛利率NMIHRBBN
| 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NMIHRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 67.0% | 4.1% | ||
| Q3 25 | 69.2% | 1.3% | ||
| Q2 25 | 71.1% | 1.9% | ||
| Q1 25 | 75.8% | -10.8% | ||
| Q4 24 | 66.6% | 13.2% | ||
| Q3 24 | 71.8% | -0.4% | ||
| Q2 24 | 73.2% | -1.0% |
净利率NMIHRBBN
| Q1 26 | 54.1% | 54.8% | ||
| Q4 25 | 52.1% | — | ||
| Q3 25 | 53.7% | -5.6% | ||
| Q2 25 | 55.3% | -5.0% | ||
| Q1 25 | 59.2% | -14.5% | ||
| Q4 24 | 51.8% | — | ||
| Q3 24 | 55.9% | -6.4% | ||
| Q2 24 | 56.8% | -8.7% |
每股收益（稀释后）NMIHRBBN
| Q1 26 | $1.28 | $0.50 | ||
| Q4 25 | $1.21 | $0.50 | ||
| Q3 25 | $1.22 | $-0.07 | ||
| Q2 25 | $1.21 | $-0.06 | ||
| Q1 25 | $1.28 | $-0.15 | ||
| Q4 24 | $1.07 | $0.05 | ||
| Q3 24 | $1.15 | $-0.08 | ||
| Q2 24 | $1.13 | $-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 | $70.7M | $67.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.6B | $419.1M |
| 总资产 | $3.9B | — |
| 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NMIHRBBN
| Q1 26 | $70.7M | $67.6M | ||
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $74.8M | ||
| Q2 25 | — | $60.5M | ||
| Q1 25 | — | $71.2M | ||
| Q4 24 | — | $87.8M | ||
| Q3 24 | — | $37.2M | ||
| Q2 24 | — | $64.6M |
总债务NMIHRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $342.1M | ||
| Q3 25 | — | $344.3M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $347.4M | ||
| Q4 24 | — | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益NMIHRBBN
| Q1 26 | $2.6B | $419.1M | ||
| Q4 25 | $2.6B | $449.0M | ||
| Q3 25 | $2.5B | $360.1M | ||
| Q2 25 | $2.4B | $370.4M | ||
| Q1 25 | $2.3B | $381.8M | ||
| Q4 24 | $2.2B | $404.6M | ||
| Q3 24 | $2.2B | $395.5M | ||
| Q2 24 | $2.0B | $405.0M |
总资产NMIHRBBN
| Q1 26 | $3.9B | — | ||
| Q4 25 | $3.8B | $1.2B | ||
| Q3 25 | $3.7B | $1.1B | ||
| Q2 25 | $3.6B | $1.1B | ||
| Q1 25 | $3.5B | $1.1B | ||
| Q4 24 | $3.3B | $1.2B | ||
| Q3 24 | $3.3B | $1.1B | ||
| Q2 24 | $3.1B | $1.1B |
负债/权益比NMIHRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.76× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | — | 0.94× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 0.86× |
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
NMIH
暂无分部数据
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
