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NMI Holdings, Inc.（NMIH）与红罗宾美食汉堡（RRGB）财务数据对比。点击上方公司名可切换其他公司
红罗宾美食汉堡的季度营收约是NMI Holdings, Inc.的1.6倍（$283.7M vs $180.7M），NMI Holdings, Inc.净利率更高（52.1% vs 1.4%，领先50.7%），NMI Holdings, Inc.同比增速更快（8.5% vs -5.5%），NMI Holdings, Inc.自由现金流更多（$412.5M vs $3.4M），过去两年NMI Holdings, Inc.的营收复合增速更高（7.5% vs -15.3%）
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。
红罗宾美食汉堡公司是总部位于美国的休闲餐饮连锁品牌，主打多款风味丰富的精品汉堡，同时供应开胃小食、招牌奶昔、沙拉、三明治等餐品，在全美多州开设门店，提供堂食、外带服务，主打适合全年龄段的家庭友好消费场景。
NMIH vs RRGB — 直观对比
营收规模更大
RRGB
是对方的1.6倍
$180.7M
营收增速更快
NMIH
高出14.0%
-5.5%
净利率更高
NMIH
高出50.7%
1.4%
自由现金流更多
NMIH
多$409.1M
$3.4M
两年增速更快
NMIH
近两年复合增速
-15.3%
损益表 — Q4 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $180.7M | $283.7M |
| 净利润 | $94.2M | $4.0M |
| 毛利率 | — | — |
| 营业利润率 | 67.0% | 3.5% |
| 净利率 | 52.1% | 1.4% |
| 营收同比 | 8.5% | -5.5% |
| 净利润同比 | 9.3% | 142.1% |
| 每股收益（稀释后） | $1.21 | $0.21 |
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NMIHRRGB
| Q4 25 | $180.7M | — | ||
| Q3 25 | $178.7M | $283.7M | ||
| Q2 25 | $173.8M | $392.4M | ||
| Q1 25 | $173.2M | — | ||
| Q4 24 | $166.5M | — | ||
| Q3 24 | $166.1M | $300.2M | ||
| Q2 24 | $162.1M | $388.5M | ||
| Q1 24 | $156.3M | — |
净利润NMIHRRGB
| Q4 25 | $94.2M | — | ||
| Q3 25 | $96.0M | $4.0M | ||
| Q2 25 | $96.2M | $1.2M | ||
| Q1 25 | $102.6M | — | ||
| Q4 24 | $86.2M | — | ||
| Q3 24 | $92.8M | $-9.5M | ||
| Q2 24 | $92.1M | $-9.5M | ||
| Q1 24 | $89.0M | — |
营业利润率NMIHRRGB
| Q4 25 | 67.0% | — | ||
| Q3 25 | 69.2% | 3.5% | ||
| Q2 25 | 71.1% | 2.3% | ||
| Q1 25 | 75.8% | — | ||
| Q4 24 | 66.6% | — | ||
| Q3 24 | 71.8% | -1.5% | ||
| Q2 24 | 73.2% | -0.5% | ||
| Q1 24 | 73.3% | — |
净利率NMIHRRGB
| Q4 25 | 52.1% | — | ||
| Q3 25 | 53.7% | 1.4% | ||
| Q2 25 | 55.3% | 0.3% | ||
| Q1 25 | 59.2% | — | ||
| Q4 24 | 51.8% | — | ||
| Q3 24 | 55.9% | -3.2% | ||
| Q2 24 | 56.8% | -2.4% | ||
| Q1 24 | 57.0% | — |
每股收益（稀释后）NMIHRRGB
| Q4 25 | $1.21 | — | ||
| Q3 25 | $1.22 | $0.21 | ||
| Q2 25 | $1.21 | $0.07 | ||
| Q1 25 | $1.28 | — | ||
| Q4 24 | $1.07 | — | ||
| Q3 24 | $1.15 | $-0.61 | ||
| Q2 24 | $1.13 | $-0.61 | ||
| Q1 24 | $1.08 | — |
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 | — | $24.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.6B | $-78.6M |
| 总资产 | $3.8B | $586.9M |
| 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NMIHRRGB
| Q4 25 | — | — | ||
| Q3 25 | — | $24.4M | ||
| Q2 25 | — | $24.1M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $23.1M | ||
| Q2 24 | — | $30.6M | ||
| Q1 24 | — | — |
股东权益NMIHRRGB
| Q4 25 | $2.6B | — | ||
| Q3 25 | $2.5B | $-78.6M | ||
| Q2 25 | $2.4B | $-80.4M | ||
| Q1 25 | $2.3B | — | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $2.2B | $-36.5M | ||
| Q2 24 | $2.0B | $-29.1M | ||
| Q1 24 | $2.0B | — |
总资产NMIHRRGB
| Q4 25 | $3.8B | — | ||
| Q3 25 | $3.7B | $586.9M | ||
| Q2 25 | $3.6B | $606.2M | ||
| Q1 25 | $3.5B | — | ||
| Q4 24 | $3.3B | — | ||
| Q3 24 | $3.3B | $689.1M | ||
| Q2 24 | $3.1B | $717.1M | ||
| Q1 24 | $3.0B | — |
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 | $419.3M | $9.9M |
| 自由现金流经营现金流 - 资本支出 | $412.5M | $3.4M |
| 自由现金流率自由现金流/营收 | 228.2% | 1.2% |
| 资本支出强度资本支出/营收 | 3.8% | 2.3% |
| 现金转化率经营现金流/净利润 | 4.45× | 2.49× |
| 过去12个月自由现金流最近4个季度 | $764.9M | $11.4M |
8季度趋势，按日历期对齐
经营现金流NMIHRRGB
| Q4 25 | $419.3M | — | ||
| Q3 25 | $128.0M | $9.9M | ||
| Q2 25 | $128.4M | $19.6M | ||
| Q1 25 | $101.2M | — | ||
| Q4 24 | $393.6M | — | ||
| Q3 24 | $128.4M | $512.0K | ||
| Q2 24 | $117.8M | $13.7M | ||
| Q1 24 | $111.6M | — |
自由现金流NMIHRRGB
| Q4 25 | $412.5M | — | ||
| Q3 25 | $126.3M | $3.4M | ||
| Q2 25 | $126.7M | $7.6M | ||
| Q1 25 | $99.4M | — | ||
| Q4 24 | $386.7M | — | ||
| Q3 24 | $126.9M | $-5.1M | ||
| Q2 24 | $115.9M | $5.5M | ||
| Q1 24 | $109.4M | — |
自由现金流率NMIHRRGB
| Q4 25 | 228.2% | — | ||
| Q3 25 | 70.7% | 1.2% | ||
| Q2 25 | 72.9% | 1.9% | ||
| Q1 25 | 57.4% | — | ||
| Q4 24 | 232.2% | — | ||
| Q3 24 | 76.4% | -1.7% | ||
| Q2 24 | 71.5% | 1.4% | ||
| Q1 24 | 70.0% | — |
资本支出强度NMIHRRGB
| Q4 25 | 3.8% | — | ||
| Q3 25 | 1.0% | 2.3% | ||
| Q2 25 | 0.9% | 3.1% | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | 4.1% | — | ||
| Q3 24 | 0.9% | 1.9% | ||
| Q2 24 | 1.1% | 2.1% | ||
| Q1 24 | 1.4% | — |
现金转化率NMIHRRGB
| Q4 25 | 4.45× | — | ||
| Q3 25 | 1.33× | 2.49× | ||
| Q2 25 | 1.33× | 15.67× | ||
| Q1 25 | 0.99× | — | ||
| Q4 24 | 4.57× | — | ||
| Q3 24 | 1.38× | — | ||
| Q2 24 | 1.28× | — | ||
| Q1 24 | 1.25× | — |
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
RRGB
| Food And Beverage | $279.3M | 98% |
| Franchise | $3.2M | 1% |
| Products And Services Gift Card | $1.8M | 1% |
| Product And Service Gift Card And Other | $1.2M | 0% |
