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诺亚控股（NOAH）与RYVYL Inc.（RVYL）财务数据对比。点击上方公司名可切换其他公司
诺亚控股是一家总部位于中国上海的金融服务企业，也是国内规模领先的独立财富管理公司，专注为高净值人群提供全方位的财富管理与综合金融服务，在行业内拥有较高的品牌影响力与市场认可度。
RYVYL Inc.是一家全球金融科技企业，主要为中小企业提供嵌入式金融服务、销售点解决方案、支付处理及数字银行工具，核心市场覆盖北美和欧洲，业务聚焦零售、餐饮等领域的B2B支付基础设施服务。
NOAH vs RVYL — 直观对比
营收规模更大
NOAH
是对方的-0.0倍
$-9.6M
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.3K | $-9.6M |
| 净利润 | — | $-4.4M |
| 毛利率 | — | — |
| 营业利润率 | 69.3% | — |
| 净利率 | — | 46.1% |
| 营收同比 | — | -116.6% |
| 净利润同比 | — | 35.6% |
| 每股收益（稀释后） | — | $-28.13 |
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NOAHRVYL
| Q4 25 | $2.3K | $-9.6M | ||
| Q3 25 | $24.6M | $2.8M | ||
| Q2 25 | $2.4K | $2.8M | ||
| Q1 25 | $48.8M | $15.1M | ||
| Q4 24 | $9.2K | $-4.4M | ||
| Q3 24 | $24.2K | $2.8M | ||
| Q2 24 | — | $3.0M | ||
| Q1 24 | — | $16.8M |
净利润NOAHRVYL
| Q4 25 | — | $-4.4M | ||
| Q3 25 | — | $-2.0M | ||
| Q2 25 | — | $-8.4M | ||
| Q1 25 | — | $-2.8M | ||
| Q4 24 | — | $-6.9M | ||
| Q3 24 | — | $-5.2M | ||
| Q2 24 | — | $-12.1M | ||
| Q1 24 | — | $-2.7M |
毛利率NOAHRVYL
| Q4 25 | — | — | ||
| Q3 25 | — | 50.0% | ||
| Q2 25 | — | 43.8% | ||
| Q1 25 | — | 44.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 37.7% | ||
| Q2 24 | — | 37.9% | ||
| Q1 24 | — | 41.9% |
营业利润率NOAHRVYL
| Q4 25 | 69.3% | — | ||
| Q3 25 | — | -65.0% | ||
| Q2 25 | 73.8% | -118.1% | ||
| Q1 25 | 24.2% | -5.6% | ||
| Q4 24 | 29.8% | 187.9% | ||
| Q3 24 | 20.0% | -129.4% | ||
| Q2 24 | — | -449.0% | ||
| Q1 24 | — | -11.4% |
净利率NOAHRVYL
| Q4 25 | — | 46.1% | ||
| Q3 25 | — | -70.1% | ||
| Q2 25 | — | -302.1% | ||
| Q1 25 | — | -18.2% | ||
| Q4 24 | — | 155.0% | ||
| Q3 24 | — | -182.7% | ||
| Q2 24 | — | -407.5% | ||
| Q1 24 | — | -16.0% |
每股收益（稀释后）NOAHRVYL
| Q4 25 | — | $-28.13 | ||
| Q3 25 | — | $-0.07 | ||
| Q2 25 | — | $-0.80 | ||
| Q1 25 | — | $-0.33 | ||
| Q4 24 | — | $-137.16 | ||
| Q3 24 | — | $-0.76 | ||
| Q2 24 | — | $-1.88 | ||
| Q1 24 | — | $-0.45 |
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 | $96.8K | $7.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | — | $668.0K |
| 总资产 | $223.8K | $13.1M |
| 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NOAHRVYL
| Q4 25 | $96.8K | $7.4M | ||
| Q3 25 | $14.6M | $1.2M | ||
| Q2 25 | $102.5K | $210.0K | ||
| Q1 25 | $698.3M | $3.0M | ||
| Q4 24 | $93.1K | $2.6M | ||
| Q3 24 | $111.9K | $4.3M | ||
| Q2 24 | — | $6.4M | ||
| Q1 24 | — | $10.5M |
总债务NOAHRVYL
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $19.6M | ||
| Q4 24 | — | $17.4M | ||
| Q3 24 | — | $17.7M | ||
| Q2 24 | — | $17.5M | ||
| Q1 24 | — | $16.8M |
股东权益NOAHRVYL
| Q4 25 | — | $668.0K | ||
| Q3 25 | $26.0M | $-3.2M | ||
| Q2 25 | — | $-6.9M | ||
| Q1 25 | $1.4B | $-3.1M | ||
| Q4 24 | — | $-1.5M | ||
| Q3 24 | $184.8K | $6.3M | ||
| Q2 24 | — | $10.0M | ||
| Q1 24 | — | $20.5M |
总资产NOAHRVYL
| Q4 25 | $223.8K | $13.1M | ||
| Q3 25 | $31.6M | $23.4M | ||
| Q2 25 | $225.8K | $20.6M | ||
| Q1 25 | $1.6B | $108.1M | ||
| Q4 24 | $226.6K | $122.3M | ||
| Q3 24 | $236.7K | $127.3M | ||
| Q2 24 | — | $109.0M | ||
| Q1 24 | — | $131.9M |
负债/权益比NOAHRVYL
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 2.80× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | — | 0.82× |
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 | — | $-23.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-23.1M |
| 自由现金流率自由现金流/营收 | — | 241.6% |
| 资本支出强度资本支出/营收 | — | -0.8% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流NOAHRVYL
| Q4 25 | — | $-23.0M | ||
| Q3 25 | — | $-3.1M | ||
| Q2 25 | — | $12.4M | ||
| Q1 25 | $53.1M | $-15.6M | ||
| Q4 24 | — | $21.2M | ||
| Q3 24 | — | $16.4M | ||
| Q2 24 | — | $-12.8M | ||
| Q1 24 | — | $15.5M |
自由现金流NOAHRVYL
| Q4 25 | — | $-23.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $12.4M | ||
| Q1 25 | $41.8M | $-15.6M | ||
| Q4 24 | — | $21.1M | ||
| Q3 24 | — | $16.4M | ||
| Q2 24 | — | $-12.8M | ||
| Q1 24 | — | $15.5M |
自由现金流率NOAHRVYL
| Q4 25 | — | 241.6% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 444.4% | ||
| Q1 25 | 85.7% | -103.0% | ||
| Q4 24 | — | -478.5% | ||
| Q3 24 | — | 579.0% | ||
| Q2 24 | — | -432.2% | ||
| Q1 24 | — | 92.4% |
资本支出强度NOAHRVYL
| Q4 25 | — | -0.8% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | 23.1% | 0.1% | ||
| Q4 24 | — | -1.1% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.1% |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
