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NERDWALLET, INC.（NRDS）与ROYAL GOLD INC（RGLD）财务数据对比。点击上方公司名可切换其他公司
ROYAL GOLD INC的季度营收约是NERDWALLET, INC.的1.7倍（$375.3M vs $225.4M），ROYAL GOLD INC净利率更高（24.9% vs 6.2%，领先18.7%），ROYAL GOLD INC同比增速更快（85.3% vs 22.6%），过去两年ROYAL GOLD INC的营收复合增速更高（58.8% vs 18.0%）
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。
Royal Gold Inc.是全球领先的贵金属流权与特许权经营企业，收购并管理多元化的矿业项目流权、净熔炼收益特许权及相关权益，资产覆盖黄金、白银、铜等品类，业务遍及多地区，无需直接承担采矿运营风险。
NRDS vs RGLD — 直观对比
营收规模更大
RGLD
是对方的1.7倍
$225.4M
营收增速更快
RGLD
高出62.7%
22.6%
净利率更高
RGLD
高出18.7%
6.2%
两年增速更快
RGLD
近两年复合增速
18.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $225.4M | $375.3M |
| 净利润 | $14.0M | $93.6M |
| 毛利率 | 94.0% | 64.6% |
| 营业利润率 | 8.6% | 56.2% |
| 净利率 | 6.2% | 24.9% |
| 营收同比 | 22.6% | 85.3% |
| 净利润同比 | -63.7% | -12.8% |
| 每股收益（稀释后） | $0.19 | $1.04 |
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NRDSRGLD
| Q4 25 | $225.4M | $375.3M | ||
| Q3 25 | $215.1M | $252.1M | ||
| Q2 25 | $186.9M | $209.6M | ||
| Q1 25 | $209.2M | $193.4M | ||
| Q4 24 | $183.8M | $202.6M | ||
| Q3 24 | $191.3M | $193.8M | ||
| Q2 24 | $150.6M | $174.1M | ||
| Q1 24 | $161.9M | $148.9M |
净利润NRDSRGLD
| Q4 25 | $14.0M | $93.6M | ||
| Q3 25 | $26.3M | $126.8M | ||
| Q2 25 | $8.2M | $132.3M | ||
| Q1 25 | $200.0K | $113.5M | ||
| Q4 24 | $38.6M | $107.4M | ||
| Q3 24 | $100.0K | $96.2M | ||
| Q2 24 | $-9.4M | $81.2M | ||
| Q1 24 | $1.1M | $47.2M |
毛利率NRDSRGLD
| Q4 25 | 94.0% | 64.6% | ||
| Q3 25 | 92.9% | 73.6% | ||
| Q2 25 | 91.1% | 72.6% | ||
| Q1 25 | 91.3% | 69.4% | ||
| Q4 24 | 90.9% | 70.3% | ||
| Q3 24 | 90.7% | 66.6% | ||
| Q2 24 | 90.1% | 64.7% | ||
| Q1 24 | 91.2% | 58.4% |
营业利润率NRDSRGLD
| Q4 25 | 8.6% | 56.2% | ||
| Q3 25 | 16.0% | 64.4% | ||
| Q2 25 | 5.7% | 67.7% | ||
| Q1 25 | 0.3% | 63.6% | ||
| Q4 24 | 4.7% | 65.9% | ||
| Q3 24 | 3.5% | 61.3% | ||
| Q2 24 | -6.4% | 58.6% | ||
| Q1 24 | 2.3% | 50.7% |
净利率NRDSRGLD
| Q4 25 | 6.2% | 24.9% | ||
| Q3 25 | 12.2% | 50.3% | ||
| Q2 25 | 4.4% | 63.1% | ||
| Q1 25 | 0.1% | 58.7% | ||
| Q4 24 | 21.0% | 53.0% | ||
| Q3 24 | 0.1% | 49.7% | ||
| Q2 24 | -6.2% | 46.6% | ||
| Q1 24 | 0.7% | 31.7% |
每股收益（稀释后）NRDSRGLD
| Q4 25 | $0.19 | $1.04 | ||
| Q3 25 | $0.34 | $1.92 | ||
| Q2 25 | $0.11 | $2.01 | ||
| Q1 25 | $0.00 | $1.72 | ||
| Q4 24 | $0.49 | $1.63 | ||
| Q3 24 | $0.00 | $1.46 | ||
| Q2 24 | $-0.12 | $1.23 | ||
| Q1 24 | $0.01 | $0.72 |
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 | $233.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $374.5M | $7.2B |
| 总资产 | $461.1M | $9.5B |
| 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NRDSRGLD
| Q4 25 | $98.3M | $233.7M | ||
| Q3 25 | $120.6M | $172.8M | ||
| Q2 25 | $105.3M | $248.2M | ||
| Q1 25 | $92.2M | $240.8M | ||
| Q4 24 | $66.3M | $195.5M | ||
| Q3 24 | $71.7M | $127.9M | ||
| Q2 24 | $113.8M | $74.2M | ||
| Q1 24 | $110.9M | $137.9M |
总债务NRDSRGLD
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $50.0M | ||
| Q1 24 | — | — |
股东权益NRDSRGLD
| Q4 25 | $374.5M | $7.2B | ||
| Q3 25 | $402.4M | $3.4B | ||
| Q2 25 | $390.0M | $3.3B | ||
| Q1 25 | $371.6M | $3.2B | ||
| Q4 24 | $364.2M | $3.1B | ||
| Q3 24 | $322.4M | $3.0B | ||
| Q2 24 | $379.4M | $3.0B | ||
| Q1 24 | $378.7M | $2.9B |
总资产NRDSRGLD
| Q4 25 | $461.1M | $9.5B | ||
| Q3 25 | $492.8M | $4.5B | ||
| Q2 25 | $476.0M | $3.6B | ||
| Q1 25 | $475.0M | $3.5B | ||
| Q4 24 | $437.6M | $3.4B | ||
| Q3 24 | $402.4M | $3.3B | ||
| Q2 24 | $446.2M | $3.3B | ||
| Q1 24 | $446.1M | $3.3B |
负债/权益比NRDSRGLD
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.02× | ||
| Q1 24 | — | — |
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 | $241.7M |
| 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% | — |
| 现金转化率经营现金流/净利润 | 2.78× | 2.58× |
| 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NRDSRGLD
| Q4 25 | $38.9M | $241.7M | ||
| Q3 25 | $48.5M | $174.0M | ||
| Q2 25 | $17.5M | $152.8M | ||
| Q1 25 | $26.7M | $136.4M | ||
| Q4 24 | $9.9M | $141.1M | ||
| Q3 24 | $29.0M | $136.7M | ||
| Q2 24 | $10.2M | $113.5M | ||
| Q1 24 | $22.7M | $138.3M |
自由现金流NRDSRGLD
| Q4 25 | $38.6M | — | ||
| Q3 25 | $48.4M | — | ||
| Q2 25 | $16.8M | — | ||
| Q1 25 | $26.5M | — | ||
| Q4 24 | $9.7M | — | ||
| Q3 24 | $28.9M | — | ||
| Q2 24 | $9.9M | — | ||
| Q1 24 | — | — |
自由现金流率NRDSRGLD
| Q4 25 | 17.1% | — | ||
| Q3 25 | 22.5% | — | ||
| Q2 25 | 9.0% | — | ||
| Q1 25 | 12.7% | — | ||
| Q4 24 | 5.3% | — | ||
| Q3 24 | 15.1% | — | ||
| Q2 24 | 6.6% | — | ||
| Q1 24 | — | — |
资本支出强度NRDSRGLD
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.2% | — | ||
| Q1 24 | 0.0% | — |
现金转化率NRDSRGLD
| Q4 25 | 2.78× | 2.58× | ||
| Q3 25 | 1.84× | 1.37× | ||
| Q2 25 | 2.13× | 1.15× | ||
| Q1 25 | 133.50× | 1.20× | ||
| Q4 24 | 0.26× | 1.31× | ||
| Q3 24 | 290.00× | 1.42× | ||
| Q2 24 | — | 1.40× | ||
| Q1 24 | 20.64× | 2.93× |
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% |
RGLD
| Gold | $216.9M | 58% |
| Pueblo Viejo | $47.3M | 13% |
| Andacollo | $32.6M | 9% |
| Silver | $32.1M | 9% |
| Other | $27.2M | 7% |
| Copper | $13.7M | 4% |
| Cortez Legacy Zone | $5.4M | 1% |
