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NI Holdings, Inc.（NODK）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
NI Holdings, Inc.的季度营收约是REGIS CORP的1.1倍（$61.0M vs $57.1M），REGIS CORP净利率更高（0.8% vs -5.2%，领先6.0%），REGIS CORP同比增速更快（22.3% vs -17.5%），过去两年REGIS CORP的营收复合增速更高（7.8% vs -9.5%）
NI Holdings, Inc.是一家总部位于美国的保险控股企业，核心业务为提供财产及意外伤害保险产品，覆盖个人车险、家庭财产险、小型商业保险等品类，服务美国多州的个人消费者及小微企业客户。
瑞吉斯公司是一家美国美发沙龙运营商，总部位于明尼苏达州明尼阿波利斯市。截至2021年8月，该集团旗下拥有5563家加盟沙龙以及276家直营门店，是北美地区规模领先的美发沙龙连锁经营企业。
NODK vs RGS — 直观对比
营收规模更大
NODK
是对方的1.1倍
$57.1M
营收增速更快
RGS
高出39.7%
-17.5%
净利率更高
RGS
高出6.0%
-5.2%
两年增速更快
RGS
近两年复合增速
-9.5%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $61.0M | $57.1M |
| 净利润 | $-3.2M | $456.0K |
| 毛利率 | 30.8% | — |
| 营业利润率 | -4.7% | 10.8% |
| 净利率 | -5.2% | 0.8% |
| 营收同比 | -17.5% | 22.3% |
| 净利润同比 | -132.0% | -94.0% |
| 每股收益（稀释后） | $-0.16 | $0.16 |
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NODKRGS
| Q4 25 | $61.0M | $57.1M | ||
| Q3 25 | $76.6M | $59.0M | ||
| Q2 25 | $76.1M | $60.4M | ||
| Q1 25 | $71.4M | $57.0M | ||
| Q4 24 | $73.9M | $46.7M | ||
| Q3 24 | $89.0M | $46.1M | ||
| Q2 24 | $87.8M | $49.4M | ||
| Q1 24 | $74.5M | $49.2M |
净利润NODKRGS
| Q4 25 | $-3.2M | $456.0K | ||
| Q3 25 | $-1.7M | $1.4M | ||
| Q2 25 | $-12.1M | $116.5M | ||
| Q1 25 | $6.5M | $250.0K | ||
| Q4 24 | $9.8M | $7.6M | ||
| Q3 24 | $-2.7M | $-853.0K | ||
| Q2 24 | $-19.6M | $91.2M | ||
| Q1 24 | $6.4M | $-2.3M |
毛利率NODKRGS
| Q4 25 | 30.8% | — | ||
| Q3 25 | 20.5% | — | ||
| Q2 25 | 8.4% | — | ||
| Q1 25 | 40.6% | — | ||
| Q4 24 | 52.7% | — | ||
| Q3 24 | 20.4% | — | ||
| Q2 24 | 18.0% | — | ||
| Q1 24 | 39.9% | — |
营业利润率NODKRGS
| Q4 25 | -4.7% | 10.8% | ||
| Q3 25 | -2.4% | 10.0% | ||
| Q2 25 | -20.1% | 12.1% | ||
| Q1 25 | 10.8% | 8.8% | ||
| Q4 24 | 18.7% | 11.8% | ||
| Q3 24 | -3.9% | 4.6% | ||
| Q2 24 | -10.3% | — | ||
| Q1 24 | 11.9% | 8.3% |
净利率NODKRGS
| Q4 25 | -5.2% | 0.8% | ||
| Q3 25 | -2.2% | 2.3% | ||
| Q2 25 | -15.8% | 192.9% | ||
| Q1 25 | 9.0% | 0.4% | ||
| Q4 24 | 13.3% | 16.4% | ||
| Q3 24 | -3.0% | -1.9% | ||
| Q2 24 | -22.3% | 184.7% | ||
| Q1 24 | 8.6% | -4.7% |
每股收益（稀释后）NODKRGS
| Q4 25 | $-0.16 | $0.16 | ||
| Q3 25 | $-0.08 | $0.49 | ||
| Q2 25 | $-0.57 | $43.67 | ||
| Q1 25 | $0.31 | $0.08 | ||
| Q4 24 | $0.48 | $2.71 | ||
| Q3 24 | $-0.13 | $-0.36 | ||
| Q2 24 | $-0.94 | $38.40 | ||
| Q1 24 | $0.30 | $-1.00 |
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 | $52.2M | $18.4M |
| 总债务越低越好 | $2.4M | $113.3M |
| 股东权益账面价值 | $240.3M | $188.7M |
| 总资产 | $506.0M | $588.3M |
| 负债/权益比越低杠杆越低 | 0.01× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资NODKRGS
| Q4 25 | $52.2M | $18.4M | ||
| Q3 25 | $24.7M | $16.6M | ||
| Q2 25 | $56.8M | $17.0M | ||
| Q1 25 | $57.2M | $13.3M | ||
| Q4 24 | $51.4M | $10.2M | ||
| Q3 24 | $39.1M | $6.3M | ||
| Q2 24 | $51.4M | $10.1M | ||
| Q1 24 | $68.5M | $5.9M |
总债务NODKRGS
| Q4 25 | $2.4M | $113.3M | ||
| Q3 25 | $2.4M | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | $2.4M | $111.5M | ||
| Q3 24 | $2.4M | $95.2M | ||
| Q2 24 | $2.4M | $99.5M | ||
| Q1 24 | $2.4M | $179.7M |
股东权益NODKRGS
| Q4 25 | $240.3M | $188.7M | ||
| Q3 25 | $243.8M | $187.6M | ||
| Q2 25 | $243.3M | $185.6M | ||
| Q1 25 | $254.0M | $68.6M | ||
| Q4 24 | $244.6M | $66.7M | ||
| Q3 24 | $241.4M | $56.4M | ||
| Q2 24 | $236.1M | $56.8M | ||
| Q1 24 | $255.8M | $-35.8M |
总资产NODKRGS
| Q4 25 | $506.0M | $588.3M | ||
| Q3 25 | $543.8M | $592.1M | ||
| Q2 25 | $620.1M | $599.0M | ||
| Q1 25 | $525.4M | $511.2M | ||
| Q4 24 | $526.5M | $530.1M | ||
| Q3 24 | $559.9M | $508.9M | ||
| Q2 24 | $571.0M | $530.5M | ||
| Q1 24 | $674.5M | $543.7M |
负债/权益比NODKRGS
| Q4 25 | 0.01× | 0.60× | ||
| Q3 25 | 0.01× | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | 0.01× | 1.67× | ||
| Q3 24 | 0.01× | 1.69× | ||
| Q2 24 | 0.01× | 1.75× | ||
| Q1 24 | 0.01× | — |
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 | $13.2M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | — | $891.0K |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 资本支出强度资本支出/营收 | 0.0% | 1.4% |
| 现金转化率经营现金流/净利润 | — | 3.65× |
| 过去12个月自由现金流最近4个季度 | — | $14.9M |
8季度趋势，按日历期对齐
经营现金流NODKRGS
| Q4 25 | $13.2M | $1.7M | ||
| Q3 25 | $-44.8M | $2.3M | ||
| Q2 25 | $6.4M | $6.8M | ||
| Q1 25 | $9.9M | $6.2M | ||
| Q4 24 | $21.7M | $2.1M | ||
| Q3 24 | $-18.0M | $-1.3M | ||
| Q2 24 | $18.1M | $5.1M | ||
| Q1 24 | $16.7M | $-277.0K |
自由现金流NODKRGS
| Q4 25 | — | $891.0K | ||
| Q3 25 | $-44.8M | $1.9M | ||
| Q2 25 | $6.2M | $6.2M | ||
| Q1 25 | $9.9M | $5.9M | ||
| Q4 24 | $21.5M | $1.7M | ||
| Q3 24 | $-18.1M | $-1.4M | ||
| Q2 24 | $17.5M | $5.1M | ||
| Q1 24 | $16.6M | $-326.0K |
自由现金流率NODKRGS
| Q4 25 | — | 1.6% | ||
| Q3 25 | -58.6% | 3.2% | ||
| Q2 25 | 8.2% | 10.3% | ||
| Q1 25 | 13.8% | 10.3% | ||
| Q4 24 | 29.1% | 3.6% | ||
| Q3 24 | -20.4% | -3.0% | ||
| Q2 24 | 20.0% | 10.3% | ||
| Q1 24 | 22.3% | -0.7% |
资本支出强度NODKRGS
| Q4 25 | 0.0% | 1.4% | ||
| Q3 25 | 0.0% | 0.7% | ||
| Q2 25 | 0.2% | 0.9% | ||
| Q1 25 | 0.0% | 0.6% | ||
| Q4 24 | 0.3% | 0.9% | ||
| Q3 24 | 0.2% | 0.0% | ||
| Q2 24 | 0.7% | 0.0% | ||
| Q1 24 | 0.1% | 0.1% |
现金转化率NODKRGS
| Q4 25 | — | 3.65× | ||
| Q3 25 | — | 1.68× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | 1.53× | 24.80× | ||
| Q4 24 | 2.21× | 0.28× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.06× | ||
| Q1 24 | 2.60× | — |
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
NODK
暂无分部数据
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
