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NERDWALLET, INC.（NRDS）与RESOURCES CONNECTION, INC.（RGP）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RESOURCES CONNECTION, INC.的1.9倍（$225.4M vs $117.7M），NERDWALLET, INC.净利率更高（6.2% vs -10.8%，领先17.0%），NERDWALLET, INC.同比增速更快（22.6% vs -19.2%），NERDWALLET, INC.自由现金流更多（$38.6M vs $15.6M），过去两年NERDWALLET, INC.的营收复合增速更高（18.0% vs -11.8%）
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。
RGP原名 Resources Global Professionals，是 Resources Connection, Inc. 的核心运营主体，面向全球客户提供多领域专业咨询服务，覆盖财务会计、信息管理、治理风险合规、人力资本、法务监管、企业咨询与重组、战略传播以及供应链管理等板块。
NRDS vs RGP — 直观对比
营收规模更大
NRDS
是对方的1.9倍
$117.7M
营收增速更快
NRDS
高出41.8%
-19.2%
净利率更高
NRDS
高出17.0%
-10.8%
自由现金流更多
NRDS
多$23.0M
$15.6M
两年增速更快
NRDS
近两年复合增速
-11.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $225.4M | $117.7M |
| 净利润 | $14.0M | $-12.7M |
| 毛利率 | 94.0% | 37.1% |
| 营业利润率 | 8.6% | -10.3% |
| 净利率 | 6.2% | -10.8% |
| 营收同比 | 22.6% | -19.2% |
| 净利润同比 | -63.7% | 81.6% |
| 每股收益（稀释后） | $0.19 | $-0.38 |
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NRDSRGP
| Q4 25 | $225.4M | $117.7M | ||
| Q3 25 | $215.1M | $120.2M | ||
| Q2 25 | $186.9M | $139.3M | ||
| Q1 25 | $209.2M | $129.4M | ||
| Q4 24 | $183.8M | $145.6M | ||
| Q3 24 | $191.3M | $136.9M | ||
| Q2 24 | $150.6M | $148.2M | ||
| Q1 24 | $161.9M | $151.3M |
净利润NRDSRGP
| Q4 25 | $14.0M | $-12.7M | ||
| Q3 25 | $26.3M | $-2.4M | ||
| Q2 25 | $8.2M | $-73.3M | ||
| Q1 25 | $200.0K | $-44.1M | ||
| Q4 24 | $38.6M | $-68.7M | ||
| Q3 24 | $100.0K | $-5.7M | ||
| Q2 24 | $-9.4M | $10.5M | ||
| Q1 24 | $1.1M | $2.5M |
毛利率NRDSRGP
| Q4 25 | 94.0% | 37.1% | ||
| Q3 25 | 92.9% | 39.5% | ||
| Q2 25 | 91.1% | 40.2% | ||
| Q1 25 | 91.3% | 35.1% | ||
| Q4 24 | 90.9% | 38.5% | ||
| Q3 24 | 90.7% | 36.5% | ||
| Q2 24 | 90.1% | 40.2% | ||
| Q1 24 | 91.2% | 37.0% |
营业利润率NRDSRGP
| Q4 25 | 8.6% | -10.3% | ||
| Q3 25 | 16.0% | -1.7% | ||
| Q2 25 | 5.7% | -47.0% | ||
| Q1 25 | 0.3% | -38.4% | ||
| Q4 24 | 4.7% | -52.7% | ||
| Q3 24 | 3.5% | -3.5% | ||
| Q2 24 | -6.4% | 7.6% | ||
| Q1 24 | 2.3% | 2.8% |
净利率NRDSRGP
| Q4 25 | 6.2% | -10.8% | ||
| Q3 25 | 12.2% | -2.0% | ||
| Q2 25 | 4.4% | -52.6% | ||
| Q1 25 | 0.1% | -34.0% | ||
| Q4 24 | 21.0% | -47.2% | ||
| Q3 24 | 0.1% | -4.2% | ||
| Q2 24 | -6.2% | 7.1% | ||
| Q1 24 | 0.7% | 1.7% |
每股收益（稀释后）NRDSRGP
| Q4 25 | $0.19 | $-0.38 | ||
| Q3 25 | $0.34 | $-0.07 | ||
| Q2 25 | $0.11 | $-2.21 | ||
| Q1 25 | $0.00 | $-1.34 | ||
| Q4 24 | $0.49 | $-2.08 | ||
| Q3 24 | $0.00 | $-0.17 | ||
| Q2 24 | $-0.12 | $0.31 | ||
| Q1 24 | $0.01 | $0.08 |
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 | $98.3M | $89.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $374.5M | $194.6M |
| 总资产 | $461.1M | $289.3M |
| 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NRDSRGP
| Q4 25 | $98.3M | $89.8M | ||
| Q3 25 | $120.6M | $77.5M | ||
| Q2 25 | $105.3M | $86.1M | ||
| Q1 25 | $92.2M | $72.5M | ||
| Q4 24 | $66.3M | $78.2M | ||
| Q3 24 | $71.7M | $89.6M | ||
| Q2 24 | $113.8M | $108.9M | ||
| Q1 24 | $110.9M | $113.8M |
股东权益NRDSRGP
| Q4 25 | $374.5M | $194.6M | ||
| Q3 25 | $402.4M | $206.4M | ||
| Q2 25 | $390.0M | $207.1M | ||
| Q1 25 | $371.6M | $277.8M | ||
| Q4 24 | $364.2M | $325.7M | ||
| Q3 24 | $322.4M | $407.2M | ||
| Q2 24 | $379.4M | $418.8M | ||
| Q1 24 | $378.7M | $414.9M |
总资产NRDSRGP
| Q4 25 | $461.1M | $289.3M | ||
| Q3 25 | $492.8M | $287.2M | ||
| Q2 25 | $476.0M | $304.7M | ||
| Q1 25 | $475.0M | $375.6M | ||
| Q4 24 | $437.6M | $424.9M | ||
| Q3 24 | $402.4M | $512.9M | ||
| Q2 24 | $446.2M | $510.9M | ||
| Q1 24 | $446.1M | $523.2M |
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 | $15.9M |
| 自由现金流经营现金流 - 资本支出 | $38.6M | $15.6M |
| 自由现金流率自由现金流/营收 | 17.1% | 13.2% |
| 资本支出强度资本支出/营收 | 0.1% | 0.3% |
| 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 | $24.3M |
8季度趋势，按日历期对齐
经营现金流NRDSRGP
| Q4 25 | $38.9M | $15.9M | ||
| Q3 25 | $48.5M | $-7.8M | ||
| Q2 25 | $17.5M | $16.8M | ||
| Q1 25 | $26.7M | $659.0K | ||
| Q4 24 | $9.9M | $1.8M | ||
| Q3 24 | $29.0M | $-309.0K | ||
| Q2 24 | $10.2M | $3.2M | ||
| Q1 24 | $22.7M | $20.5M |
自由现金流NRDSRGP
| Q4 25 | $38.6M | $15.6M | ||
| Q3 25 | $48.4M | $-8.0M | ||
| Q2 25 | $16.8M | $16.5M | ||
| Q1 25 | $26.5M | $238.0K | ||
| Q4 24 | $9.7M | $61.0K | ||
| Q3 24 | $28.9M | $-575.0K | ||
| Q2 24 | $9.9M | $3.0M | ||
| Q1 24 | — | $20.4M |
自由现金流率NRDSRGP
| Q4 25 | 17.1% | 13.2% | ||
| Q3 25 | 22.5% | -6.6% | ||
| Q2 25 | 9.0% | 11.8% | ||
| Q1 25 | 12.7% | 0.2% | ||
| Q4 24 | 5.3% | 0.0% | ||
| Q3 24 | 15.1% | -0.4% | ||
| Q2 24 | 6.6% | 2.1% | ||
| Q1 24 | — | 13.5% |
资本支出强度NRDSRGP
| Q4 25 | 0.1% | 0.3% | ||
| Q3 25 | 0.0% | 0.1% | ||
| Q2 25 | 0.4% | 0.2% | ||
| Q1 25 | 0.1% | 0.3% | ||
| Q4 24 | 0.1% | 1.2% | ||
| Q3 24 | 0.1% | 0.2% | ||
| Q2 24 | 0.2% | 0.1% | ||
| Q1 24 | 0.0% | 0.1% |
现金转化率NRDSRGP
| Q4 25 | 2.78× | — | ||
| Q3 25 | 1.84× | — | ||
| Q2 25 | 2.13× | — | ||
| Q1 25 | 133.50× | — | ||
| Q4 24 | 0.26× | — | ||
| Q3 24 | 290.00× | — | ||
| Q2 24 | — | 0.30× | ||
| Q1 24 | 20.64× | 8.04× |
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% |
RGP
| US | $93.7M | 80% |
| Non Us | $24.0M | 20% |
