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NERDWALLET, INC.（NRDS）与LiveRamp Holdings, Inc.（RAMP）财务数据对比。点击上方公司名可切换其他公司
NERDWALLET, INC.的季度营收约是LiveRamp Holdings, Inc.的1.1倍（$225.4M vs $212.2M），LiveRamp Holdings, Inc.净利率更高（18.8% vs 6.2%，领先12.6%），NERDWALLET, INC.同比增速更快（22.6% vs 8.6%），过去两年NERDWALLET, INC.的营收复合增速更高（18.0% vs 11.1%）
NERDWALLET是一家美国个人金融服务企业，由陈Tim与雅各布·吉布森于2009年创立。该企业运营网站与移动应用，通过向用户推广各类金融产品实现盈利，为用户提供个人理财相关的信息参考与服务支持。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
NRDS vs RAMP — 直观对比
营收规模更大
NRDS
是对方的1.1倍
$212.2M
营收增速更快
NRDS
高出14.0%
8.6%
净利率更高
RAMP
高出12.6%
6.2%
两年增速更快
NRDS
近两年复合增速
11.1%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $225.4M | $212.2M |
| 净利润 | $14.0M | $39.9M |
| 毛利率 | 94.0% | 71.9% |
| 营业利润率 | 8.6% | 18.6% |
| 净利率 | 6.2% | 18.8% |
| 营收同比 | 22.6% | 8.6% |
| 净利润同比 | -63.7% | 255.7% |
| 每股收益（稀释后） | $0.19 | $0.62 |
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NRDSRAMP
| Q4 25 | $225.4M | $212.2M | ||
| Q3 25 | $215.1M | $199.8M | ||
| Q2 25 | $186.9M | $194.8M | ||
| Q1 25 | $209.2M | $188.7M | ||
| Q4 24 | $183.8M | $195.4M | ||
| Q3 24 | $191.3M | $185.5M | ||
| Q2 24 | $150.6M | $176.0M | ||
| Q1 24 | $161.9M | $171.9M |
净利润NRDSRAMP
| Q4 25 | $14.0M | $39.9M | ||
| Q3 25 | $26.3M | $27.4M | ||
| Q2 25 | $8.2M | $7.7M | ||
| Q1 25 | $200.0K | $-6.3M | ||
| Q4 24 | $38.6M | $11.2M | ||
| Q3 24 | $100.0K | $1.7M | ||
| Q2 24 | $-9.4M | $-7.5M | ||
| Q1 24 | $1.1M | $-5.4M |
毛利率NRDSRAMP
| Q4 25 | 94.0% | 71.9% | ||
| Q3 25 | 92.9% | 70.2% | ||
| Q2 25 | 91.1% | 70.1% | ||
| Q1 25 | 91.3% | 69.3% | ||
| Q4 24 | 90.9% | 71.9% | ||
| Q3 24 | 90.7% | 72.4% | ||
| Q2 24 | 90.1% | 70.6% | ||
| Q1 24 | 91.2% | 72.2% |
营业利润率NRDSRAMP
| Q4 25 | 8.6% | 18.6% | ||
| Q3 25 | 16.0% | 10.7% | ||
| Q2 25 | 5.7% | 3.7% | ||
| Q1 25 | 0.3% | -6.1% | ||
| Q4 24 | 4.7% | 7.5% | ||
| Q3 24 | 3.5% | 4.0% | ||
| Q2 24 | -6.4% | -3.0% | ||
| Q1 24 | 2.3% | -8.3% |
净利率NRDSRAMP
| Q4 25 | 6.2% | 18.8% | ||
| Q3 25 | 12.2% | 13.7% | ||
| Q2 25 | 4.4% | 4.0% | ||
| Q1 25 | 0.1% | -3.3% | ||
| Q4 24 | 21.0% | 5.7% | ||
| Q3 24 | 0.1% | 0.9% | ||
| Q2 24 | -6.2% | -4.3% | ||
| Q1 24 | 0.7% | -3.1% |
每股收益（稀释后）NRDSRAMP
| Q4 25 | $0.19 | $0.62 | ||
| Q3 25 | $0.34 | $0.42 | ||
| Q2 25 | $0.11 | $0.12 | ||
| Q1 25 | $0.00 | $-0.10 | ||
| Q4 24 | $0.49 | $0.17 | ||
| Q3 24 | $0.00 | $0.03 | ||
| Q2 24 | $-0.12 | $-0.11 | ||
| Q1 24 | $0.01 | $-0.09 |
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 | $98.3M | $403.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $374.5M | $962.3M |
| 总资产 | $461.1M | $1.3B |
| 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NRDSRAMP
| Q4 25 | $98.3M | $403.4M | ||
| Q3 25 | $120.6M | $376.9M | ||
| Q2 25 | $105.3M | $371.1M | ||
| Q1 25 | $92.2M | $420.8M | ||
| Q4 24 | $66.3M | $384.3M | ||
| Q3 24 | $71.7M | $348.4M | ||
| Q2 24 | $113.8M | $342.7M | ||
| Q1 24 | $110.9M | $368.9M |
股东权益NRDSRAMP
| Q4 25 | $374.5M | $962.3M | ||
| Q3 25 | $402.4M | $943.8M | ||
| Q2 25 | $390.0M | $947.8M | ||
| Q1 25 | $371.6M | $948.9M | ||
| Q4 24 | $364.2M | $957.7M | ||
| Q3 24 | $322.4M | $932.1M | ||
| Q2 24 | $379.4M | $951.9M | ||
| Q1 24 | $378.7M | $949.1M |
总资产NRDSRAMP
| Q4 25 | $461.1M | $1.3B | ||
| Q3 25 | $492.8M | $1.2B | ||
| Q2 25 | $476.0M | $1.2B | ||
| Q1 25 | $475.0M | $1.3B | ||
| Q4 24 | $437.6M | $1.3B | ||
| Q3 24 | $402.4M | $1.2B | ||
| Q2 24 | $446.2M | $1.2B | ||
| Q1 24 | $446.1M | $1.2B |
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 | $38.9M | — |
| 自由现金流经营现金流 - 资本支出 | $38.6M | — |
| 自由现金流率自由现金流/营收 | 17.1% | — |
| 资本支出强度资本支出/营收 | 0.1% | 0.1% |
| 现金转化率经营现金流/净利润 | 2.78× | — |
| 过去12个月自由现金流最近4个季度 | $130.3M | — |
8季度趋势，按日历期对齐
经营现金流NRDSRAMP
| Q4 25 | $38.9M | — | ||
| Q3 25 | $48.5M | $57.4M | ||
| Q2 25 | $17.5M | $-15.8M | ||
| Q1 25 | $26.7M | — | ||
| Q4 24 | $9.9M | $45.1M | ||
| Q3 24 | $29.0M | $55.6M | ||
| Q2 24 | $10.2M | $-9.3M | ||
| Q1 24 | $22.7M | — |
自由现金流NRDSRAMP
| Q4 25 | $38.6M | — | ||
| Q3 25 | $48.4M | $56.8M | ||
| Q2 25 | $16.8M | $-16.2M | ||
| Q1 25 | $26.5M | — | ||
| Q4 24 | $9.7M | $44.8M | ||
| Q3 24 | $28.9M | $55.4M | ||
| Q2 24 | $9.9M | $-9.6M | ||
| Q1 24 | — | — |
自由现金流率NRDSRAMP
| Q4 25 | 17.1% | — | ||
| Q3 25 | 22.5% | 28.4% | ||
| Q2 25 | 9.0% | -8.3% | ||
| Q1 25 | 12.7% | — | ||
| Q4 24 | 5.3% | 22.9% | ||
| Q3 24 | 15.1% | 29.8% | ||
| Q2 24 | 6.6% | -5.4% | ||
| Q1 24 | — | — |
资本支出强度NRDSRAMP
| Q4 25 | 0.1% | 0.1% | ||
| Q3 25 | 0.0% | 0.3% | ||
| Q2 25 | 0.4% | 0.2% | ||
| Q1 25 | 0.1% | 0.2% | ||
| Q4 24 | 0.1% | 0.1% | ||
| Q3 24 | 0.1% | 0.1% | ||
| Q2 24 | 0.2% | 0.1% | ||
| Q1 24 | 0.0% | 1.0% |
现金转化率NRDSRAMP
| Q4 25 | 2.78× | — | ||
| Q3 25 | 1.84× | 2.09× | ||
| Q2 25 | 2.13× | -2.04× | ||
| Q1 25 | 133.50× | — | ||
| Q4 24 | 0.26× | 4.02× | ||
| Q3 24 | 290.00× | 32.10× | ||
| Q2 24 | — | — | ||
| Q1 24 | 20.64× | — |
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
NRDS
| Insurance | $81.2M | 36% |
| Emerging Verticals | $52.9M | 23% |
| Loans | $42.3M | 19% |
| Credit Card | $26.5M | 12% |
| SMB Products | $22.5M | 10% |
RAMP
暂无分部数据
