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NMI Holdings, Inc.（NMIH）与RESOURCES CONNECTION, INC.（RGP）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RESOURCES CONNECTION, INC.的1.6倍（$183.5M vs $117.7M），NMI Holdings, Inc.净利率更高（54.1% vs -10.8%，领先64.9%），NMI Holdings, Inc.同比增速更快（5.9% vs -19.2%），过去两年NMI Holdings, Inc.的营收复合增速更高（6.4% vs -11.8%）
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。
RGP原名 Resources Global Professionals，是 Resources Connection, Inc. 的核心运营主体，面向全球客户提供多领域专业咨询服务，覆盖财务会计、信息管理、治理风险合规、人力资本、法务监管、企业咨询与重组、战略传播以及供应链管理等板块。
NMIH vs RGP — 直观对比
营收规模更大
NMIH
是对方的1.6倍
$117.7M
营收增速更快
NMIH
高出25.1%
-19.2%
净利率更高
NMIH
高出64.9%
-10.8%
两年增速更快
NMIH
近两年复合增速
-11.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $183.5M | $117.7M |
| 净利润 | $99.3M | $-12.7M |
| 毛利率 | — | 37.1% |
| 营业利润率 | — | -10.3% |
| 净利率 | 54.1% | -10.8% |
| 营收同比 | 5.9% | -19.2% |
| 净利润同比 | — | 81.6% |
| 每股收益（稀释后） | $1.28 | $-0.38 |
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NMIHRGP
| Q1 26 | $183.5M | — | ||
| Q4 25 | $180.7M | $117.7M | ||
| Q3 25 | $178.7M | $120.2M | ||
| Q2 25 | $173.8M | $139.3M | ||
| Q1 25 | $173.2M | $129.4M | ||
| Q4 24 | $166.5M | $145.6M | ||
| Q3 24 | $166.1M | $136.9M | ||
| Q2 24 | $162.1M | $148.2M |
净利润NMIHRGP
| Q1 26 | $99.3M | — | ||
| Q4 25 | $94.2M | $-12.7M | ||
| Q3 25 | $96.0M | $-2.4M | ||
| Q2 25 | $96.2M | $-73.3M | ||
| Q1 25 | $102.6M | $-44.1M | ||
| Q4 24 | $86.2M | $-68.7M | ||
| Q3 24 | $92.8M | $-5.7M | ||
| Q2 24 | $92.1M | $10.5M |
毛利率NMIHRGP
| Q1 26 | — | — | ||
| Q4 25 | — | 37.1% | ||
| Q3 25 | — | 39.5% | ||
| Q2 25 | — | 40.2% | ||
| Q1 25 | — | 35.1% | ||
| Q4 24 | — | 38.5% | ||
| Q3 24 | — | 36.5% | ||
| Q2 24 | — | 40.2% |
营业利润率NMIHRGP
| Q1 26 | — | — | ||
| Q4 25 | 67.0% | -10.3% | ||
| Q3 25 | 69.2% | -1.7% | ||
| Q2 25 | 71.1% | -47.0% | ||
| Q1 25 | 75.8% | -38.4% | ||
| Q4 24 | 66.6% | -52.7% | ||
| Q3 24 | 71.8% | -3.5% | ||
| Q2 24 | 73.2% | 7.6% |
净利率NMIHRGP
| Q1 26 | 54.1% | — | ||
| Q4 25 | 52.1% | -10.8% | ||
| Q3 25 | 53.7% | -2.0% | ||
| Q2 25 | 55.3% | -52.6% | ||
| Q1 25 | 59.2% | -34.0% | ||
| Q4 24 | 51.8% | -47.2% | ||
| Q3 24 | 55.9% | -4.2% | ||
| Q2 24 | 56.8% | 7.1% |
每股收益（稀释后）NMIHRGP
| Q1 26 | $1.28 | — | ||
| Q4 25 | $1.21 | $-0.38 | ||
| Q3 25 | $1.22 | $-0.07 | ||
| Q2 25 | $1.21 | $-2.21 | ||
| Q1 25 | $1.28 | $-1.34 | ||
| Q4 24 | $1.07 | $-2.08 | ||
| Q3 24 | $1.15 | $-0.17 | ||
| Q2 24 | $1.13 | $0.31 |
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 | $89.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.6B | $194.6M |
| 总资产 | $3.9B | $289.3M |
| 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NMIHRGP
| Q1 26 | $70.7M | — | ||
| Q4 25 | — | $89.8M | ||
| Q3 25 | — | $77.5M | ||
| Q2 25 | — | $86.1M | ||
| Q1 25 | — | $72.5M | ||
| Q4 24 | — | $78.2M | ||
| Q3 24 | — | $89.6M | ||
| Q2 24 | — | $108.9M |
股东权益NMIHRGP
| Q1 26 | $2.6B | — | ||
| Q4 25 | $2.6B | $194.6M | ||
| Q3 25 | $2.5B | $206.4M | ||
| Q2 25 | $2.4B | $207.1M | ||
| Q1 25 | $2.3B | $277.8M | ||
| Q4 24 | $2.2B | $325.7M | ||
| Q3 24 | $2.2B | $407.2M | ||
| Q2 24 | $2.0B | $418.8M |
总资产NMIHRGP
| Q1 26 | $3.9B | — | ||
| Q4 25 | $3.8B | $289.3M | ||
| Q3 25 | $3.7B | $287.2M | ||
| Q2 25 | $3.6B | $304.7M | ||
| Q1 25 | $3.5B | $375.6M | ||
| Q4 24 | $3.3B | $424.9M | ||
| Q3 24 | $3.3B | $512.9M | ||
| Q2 24 | $3.1B | $510.9M |
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 | — | $15.9M |
| 自由现金流经营现金流 - 资本支出 | — | $15.6M |
| 自由现金流率自由现金流/营收 | — | 13.2% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 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 | — | $24.3M |
8季度趋势，按日历期对齐
经营现金流NMIHRGP
| Q1 26 | — | — | ||
| Q4 25 | $419.3M | $15.9M | ||
| Q3 25 | $128.0M | $-7.8M | ||
| Q2 25 | $128.4M | $16.8M | ||
| Q1 25 | $101.2M | $659.0K | ||
| Q4 24 | $393.6M | $1.8M | ||
| Q3 24 | $128.4M | $-309.0K | ||
| Q2 24 | $117.8M | $3.2M |
自由现金流NMIHRGP
| Q1 26 | — | — | ||
| Q4 25 | $412.5M | $15.6M | ||
| Q3 25 | $126.3M | $-8.0M | ||
| Q2 25 | $126.7M | $16.5M | ||
| Q1 25 | $99.4M | $238.0K | ||
| Q4 24 | $386.7M | $61.0K | ||
| Q3 24 | $126.9M | $-575.0K | ||
| Q2 24 | $115.9M | $3.0M |
自由现金流率NMIHRGP
| Q1 26 | — | — | ||
| Q4 25 | 228.2% | 13.2% | ||
| Q3 25 | 70.7% | -6.6% | ||
| Q2 25 | 72.9% | 11.8% | ||
| Q1 25 | 57.4% | 0.2% | ||
| Q4 24 | 232.2% | 0.0% | ||
| Q3 24 | 76.4% | -0.4% | ||
| Q2 24 | 71.5% | 2.1% |
资本支出强度NMIHRGP
| Q1 26 | — | — | ||
| Q4 25 | 3.8% | 0.3% | ||
| Q3 25 | 1.0% | 0.1% | ||
| Q2 25 | 0.9% | 0.2% | ||
| Q1 25 | 1.0% | 0.3% | ||
| Q4 24 | 4.1% | 1.2% | ||
| Q3 24 | 0.9% | 0.2% | ||
| Q2 24 | 1.1% | 0.1% |
现金转化率NMIHRGP
| Q1 26 | — | — | ||
| Q4 25 | 4.45× | — | ||
| Q3 25 | 1.33× | — | ||
| Q2 25 | 1.33× | — | ||
| Q1 25 | 0.99× | — | ||
| Q4 24 | 4.57× | — | ||
| Q3 24 | 1.38× | — | ||
| Q2 24 | 1.28× | 0.30× |
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
RGP
| US | $93.7M | 80% |
| Non Us | $24.0M | 20% |
