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NERDWALLET, INC.（NRDS）与STURM RUGER & CO INC（RGR）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STURM RUGER & CO INC的1.5倍（$225.4M vs $151.1M），NERDWALLET, INC.同比增速更快（22.6% vs 3.6%），NERDWALLET, INC.自由现金流更多（$38.6M vs $12.3M），过去两年NERDWALLET, INC.的营收复合增速更高（18.0% vs 5.1%）
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。
鲁格公司（Ruger）是总部位于美国康涅狄格州绍斯波特的枪械制造企业，除总部外，还在新罕布什尔州纽波特、北卡罗来纳州梅约丹以及亚利桑那州普雷斯科特设有生产工厂。公司由亚历山大·麦考密克·斯特姆与威廉·B·鲁格于1949年共同创立，自1969年起公开上市交易。
NRDS vs RGR — 直观对比
营收规模更大
NRDS
是对方的1.5倍
$151.1M
营收增速更快
NRDS
高出19.0%
3.6%
自由现金流更多
NRDS
多$26.3M
$12.3M
两年增速更快
NRDS
近两年复合增速
5.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $225.4M | $151.1M |
| 净利润 | $14.0M | — |
| 毛利率 | 94.0% | 17.8% |
| 营业利润率 | 8.6% | 2.3% |
| 净利率 | 6.2% | — |
| 营收同比 | 22.6% | 3.6% |
| 净利润同比 | -63.7% | — |
| 每股收益（稀释后） | $0.19 | $0.22 |
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NRDSRGR
| Q4 25 | $225.4M | $151.1M | ||
| Q3 25 | $215.1M | $126.8M | ||
| Q2 25 | $186.9M | $132.5M | ||
| Q1 25 | $209.2M | $135.7M | ||
| Q4 24 | $183.8M | $145.8M | ||
| Q3 24 | $191.3M | $122.3M | ||
| Q2 24 | $150.6M | $130.8M | ||
| Q1 24 | $161.9M | $136.8M |
净利润NRDSRGR
| Q4 25 | $14.0M | — | ||
| Q3 25 | $26.3M | $1.6M | ||
| Q2 25 | $8.2M | $-17.2M | ||
| Q1 25 | $200.0K | $7.8M | ||
| Q4 24 | $38.6M | — | ||
| Q3 24 | $100.0K | $4.7M | ||
| Q2 24 | $-9.4M | $8.3M | ||
| Q1 24 | $1.1M | $7.1M |
毛利率NRDSRGR
| Q4 25 | 94.0% | 17.8% | ||
| Q3 25 | 92.9% | 15.1% | ||
| Q2 25 | 91.1% | 3.9% | ||
| Q1 25 | 91.3% | 22.0% | ||
| Q4 24 | 90.9% | 22.8% | ||
| Q3 24 | 90.7% | 18.5% | ||
| Q2 24 | 90.1% | 22.3% | ||
| Q1 24 | 91.2% | 21.5% |
营业利润率NRDSRGR
| Q4 25 | 8.6% | 2.3% | ||
| Q3 25 | 16.0% | -2.7% | ||
| Q2 25 | 5.7% | -15.6% | ||
| Q1 25 | 0.3% | 6.2% | ||
| Q4 24 | 4.7% | 7.8% | ||
| Q3 24 | 3.5% | 3.1% | ||
| Q2 24 | -6.4% | 6.9% | ||
| Q1 24 | 2.3% | 5.5% |
净利率NRDSRGR
| Q4 25 | 6.2% | — | ||
| Q3 25 | 12.2% | 1.2% | ||
| Q2 25 | 4.4% | -13.0% | ||
| Q1 25 | 0.1% | 5.7% | ||
| Q4 24 | 21.0% | — | ||
| Q3 24 | 0.1% | 3.9% | ||
| Q2 24 | -6.2% | 6.3% | ||
| Q1 24 | 0.7% | 5.2% |
每股收益（稀释后）NRDSRGR
| Q4 25 | $0.19 | $0.22 | ||
| Q3 25 | $0.34 | $0.10 | ||
| Q2 25 | $0.11 | $-1.05 | ||
| Q1 25 | $0.00 | $0.46 | ||
| Q4 24 | $0.49 | $0.62 | ||
| Q3 24 | $0.00 | $0.28 | ||
| Q2 24 | $-0.12 | $0.47 | ||
| Q1 24 | $0.01 | $0.40 |
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 | $92.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $374.5M | $283.8M |
| 总资产 | $461.1M | $342.0M |
| 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NRDSRGR
| Q4 25 | $98.3M | $92.5M | ||
| Q3 25 | $120.6M | $80.8M | ||
| Q2 25 | $105.3M | $101.4M | ||
| Q1 25 | $92.2M | $108.3M | ||
| Q4 24 | $66.3M | $105.5M | ||
| Q3 24 | $71.7M | $96.0M | ||
| Q2 24 | $113.8M | $105.6M | ||
| Q1 24 | $110.9M | $115.3M |
股东权益NRDSRGR
| Q4 25 | $374.5M | $283.8M | ||
| Q3 25 | $402.4M | $279.6M | ||
| Q2 25 | $390.0M | $289.3M | ||
| Q1 25 | $371.6M | $321.5M | ||
| Q4 24 | $364.2M | $319.6M | ||
| Q3 24 | $322.4M | $314.9M | ||
| Q2 24 | $379.4M | $321.5M | ||
| Q1 24 | $378.7M | $332.0M |
总资产NRDSRGR
| Q4 25 | $461.1M | $342.0M | ||
| Q3 25 | $492.8M | $342.3M | ||
| Q2 25 | $476.0M | $349.5M | ||
| Q1 25 | $475.0M | $379.0M | ||
| Q4 24 | $437.6M | $384.0M | ||
| Q3 24 | $402.4M | $373.5M | ||
| Q2 24 | $446.2M | $376.7M | ||
| Q1 24 | $446.1M | $385.0M |
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 | $15.5M |
| 自由现金流经营现金流 - 资本支出 | $38.6M | $12.3M |
| 自由现金流率自由现金流/营收 | 17.1% | 8.2% |
| 资本支出强度资本支出/营收 | 0.1% | 2.1% |
| 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 | $38.5M |
8季度趋势，按日历期对齐
经营现金流NRDSRGR
| Q4 25 | $38.9M | $15.5M | ||
| Q3 25 | $48.5M | $12.9M | ||
| Q2 25 | $17.5M | $14.7M | ||
| Q1 25 | $26.7M | $11.1M | ||
| Q4 24 | $9.9M | $20.0M | ||
| Q3 24 | $29.0M | $9.4M | ||
| Q2 24 | $10.2M | $18.7M | ||
| Q1 24 | $22.7M | $7.3M |
自由现金流NRDSRGR
| Q4 25 | $38.6M | $12.3M | ||
| Q3 25 | $48.4M | $7.0M | ||
| Q2 25 | $16.8M | $9.1M | ||
| Q1 25 | $26.5M | $10.0M | ||
| Q4 24 | $9.7M | $16.4M | ||
| Q3 24 | $28.9M | $2.6M | ||
| Q2 24 | $9.9M | $10.1M | ||
| Q1 24 | — | $5.6M |
自由现金流率NRDSRGR
| Q4 25 | 17.1% | 8.2% | ||
| Q3 25 | 22.5% | 5.5% | ||
| Q2 25 | 9.0% | 6.9% | ||
| Q1 25 | 12.7% | 7.4% | ||
| Q4 24 | 5.3% | 11.2% | ||
| Q3 24 | 15.1% | 2.1% | ||
| Q2 24 | 6.6% | 7.7% | ||
| Q1 24 | — | 4.1% |
资本支出强度NRDSRGR
| Q4 25 | 0.1% | 2.1% | ||
| Q3 25 | 0.0% | 4.6% | ||
| Q2 25 | 0.4% | 4.2% | ||
| Q1 25 | 0.1% | 0.8% | ||
| Q4 24 | 0.1% | 2.5% | ||
| Q3 24 | 0.1% | 5.5% | ||
| Q2 24 | 0.2% | 6.6% | ||
| Q1 24 | 0.0% | 1.3% |
现金转化率NRDSRGR
| Q4 25 | 2.78× | — | ||
| Q3 25 | 1.84× | 8.15× | ||
| Q2 25 | 2.13× | — | ||
| Q1 25 | 133.50× | 1.43× | ||
| Q4 24 | 0.26× | — | ||
| Q3 24 | 290.00× | 1.98× | ||
| Q2 24 | — | 2.27× | ||
| Q1 24 | 20.64× | 1.04× |
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% |
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
