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NERDWALLET, INC.（NRDS）与Resolute Holdings Management, Inc.（RHLD）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Resolute Holdings Management, Inc.的1.9倍（$225.4M vs $117.7M），NERDWALLET, INC.净利率更高（6.2% vs -1.5%，领先7.7%），Resolute Holdings Management, Inc.自由现金流更多（$189.2M vs $38.6M）
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。
Resolute Holdings Management, Inc.是一家澳大利亚矿业企业，核心业务布局于非洲地区，目前运营两座金矿，分别为位于马里的 Syama 金矿和塞内加尔的 Mako 金矿，专注于黄金资源的勘探、开采及相关运营管理工作。
NRDS vs RHLD — 直观对比
营收规模更大
NRDS
是对方的1.9倍
$117.7M
净利率更高
NRDS
高出7.7%
-1.5%
自由现金流更多
RHLD
多$150.6M
$38.6M
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $225.4M | $117.7M |
| 净利润 | $14.0M | $-1.7M |
| 毛利率 | 94.0% | 55.7% |
| 营业利润率 | 8.6% | 30.2% |
| 净利率 | 6.2% | -1.5% |
| 营收同比 | 22.6% | — |
| 净利润同比 | -63.7% | — |
| 每股收益（稀释后） | $0.19 | $-0.20 |
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NRDSRHLD
| Q4 25 | $225.4M | $117.7M | ||
| Q3 25 | $215.1M | $120.9M | ||
| Q2 25 | $186.9M | $119.6M | ||
| Q1 25 | $209.2M | $103.9M | ||
| Q4 24 | $183.8M | — | ||
| Q3 24 | $191.3M | — | ||
| Q2 24 | $150.6M | — | ||
| Q1 24 | $161.9M | — |
净利润NRDSRHLD
| Q4 25 | $14.0M | $-1.7M | ||
| Q3 25 | $26.3M | $-231.0K | ||
| Q2 25 | $8.2M | $-611.0K | ||
| Q1 25 | $200.0K | $-3.4M | ||
| Q4 24 | $38.6M | — | ||
| Q3 24 | $100.0K | — | ||
| Q2 24 | $-9.4M | — | ||
| Q1 24 | $1.1M | — |
毛利率NRDSRHLD
| Q4 25 | 94.0% | 55.7% | ||
| Q3 25 | 92.9% | 59.0% | ||
| Q2 25 | 91.1% | 57.5% | ||
| Q1 25 | 91.3% | 52.5% | ||
| Q4 24 | 90.9% | — | ||
| Q3 24 | 90.7% | — | ||
| Q2 24 | 90.1% | — | ||
| Q1 24 | 91.2% | — |
营业利润率NRDSRHLD
| Q4 25 | 8.6% | 30.2% | ||
| Q3 25 | 16.0% | 34.3% | ||
| Q2 25 | 5.7% | 34.0% | ||
| Q1 25 | 0.3% | 24.7% | ||
| Q4 24 | 4.7% | — | ||
| Q3 24 | 3.5% | — | ||
| Q2 24 | -6.4% | — | ||
| Q1 24 | 2.3% | — |
净利率NRDSRHLD
| Q4 25 | 6.2% | -1.5% | ||
| Q3 25 | 12.2% | -0.2% | ||
| Q2 25 | 4.4% | -0.5% | ||
| Q1 25 | 0.1% | -3.2% | ||
| Q4 24 | 21.0% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | -6.2% | — | ||
| Q1 24 | 0.7% | — |
每股收益（稀释后）NRDSRHLD
| Q4 25 | $0.19 | $-0.20 | ||
| Q3 25 | $0.34 | $-0.03 | ||
| Q2 25 | $0.11 | $-0.07 | ||
| Q1 25 | $0.00 | $-0.39 | ||
| Q4 24 | $0.49 | — | ||
| Q3 24 | $0.00 | — | ||
| Q2 24 | $-0.12 | — | ||
| Q1 24 | $0.01 | — |
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 | $205.5M |
| 总债务越低越好 | — | $169.8M |
| 股东权益账面价值 | $374.5M | $6.5M |
| 总资产 | $461.1M | $333.4M |
| 负债/权益比越低杠杆越低 | — | 26.03× |
8季度趋势，按日历期对齐
现金及短期投资NRDSRHLD
| Q4 25 | $98.3M | $205.5M | ||
| Q3 25 | $120.6M | $148.0M | ||
| Q2 25 | $105.3M | $99.9M | ||
| Q1 25 | $92.2M | $71.0M | ||
| Q4 24 | $66.3M | — | ||
| Q3 24 | $71.7M | — | ||
| Q2 24 | $113.8M | — | ||
| Q1 24 | $110.9M | — |
总债务NRDSRHLD
| Q4 25 | — | $169.8M | ||
| Q3 25 | — | $173.4M | ||
| Q2 25 | — | $177.1M | ||
| Q1 25 | — | $180.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益NRDSRHLD
| Q4 25 | $374.5M | $6.5M | ||
| Q3 25 | $402.4M | $10.8M | ||
| Q2 25 | $390.0M | $9.6M | ||
| Q1 25 | $371.6M | $8.9M | ||
| Q4 24 | $364.2M | — | ||
| Q3 24 | $322.4M | — | ||
| Q2 24 | $379.4M | — | ||
| Q1 24 | $378.7M | — |
总资产NRDSRHLD
| Q4 25 | $461.1M | $333.4M | ||
| Q3 25 | $492.8M | $293.2M | ||
| Q2 25 | $476.0M | $253.3M | ||
| Q1 25 | $475.0M | $214.3M | ||
| Q4 24 | $437.6M | — | ||
| Q3 24 | $402.4M | — | ||
| Q2 24 | $446.2M | — | ||
| Q1 24 | $446.1M | — |
负债/权益比NRDSRHLD
| Q4 25 | — | 26.03× | ||
| Q3 25 | — | 16.01× | ||
| Q2 25 | — | 18.42× | ||
| Q1 25 | — | 20.38× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $196.1M |
| 自由现金流经营现金流 - 资本支出 | $38.6M | $189.2M |
| 自由现金流率自由现金流/营收 | 17.1% | 160.8% |
| 资本支出强度资本支出/营收 | 0.1% | 5.8% |
| 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 | $313.2M |
8季度趋势，按日历期对齐
经营现金流NRDSRHLD
| Q4 25 | $38.9M | $196.1M | ||
| Q3 25 | $48.5M | $59.6M | ||
| Q2 25 | $17.5M | $48.9M | ||
| Q1 25 | $26.7M | $18.4M | ||
| Q4 24 | $9.9M | — | ||
| Q3 24 | $29.0M | — | ||
| Q2 24 | $10.2M | — | ||
| Q1 24 | $22.7M | — |
自由现金流NRDSRHLD
| Q4 25 | $38.6M | $189.2M | ||
| Q3 25 | $48.4M | $58.6M | ||
| Q2 25 | $16.8M | $47.5M | ||
| Q1 25 | $26.5M | $17.8M | ||
| Q4 24 | $9.7M | — | ||
| Q3 24 | $28.9M | — | ||
| Q2 24 | $9.9M | — | ||
| Q1 24 | — | — |
自由现金流率NRDSRHLD
| Q4 25 | 17.1% | 160.8% | ||
| Q3 25 | 22.5% | 48.5% | ||
| Q2 25 | 9.0% | 39.7% | ||
| Q1 25 | 12.7% | 17.1% | ||
| Q4 24 | 5.3% | — | ||
| Q3 24 | 15.1% | — | ||
| Q2 24 | 6.6% | — | ||
| Q1 24 | — | — |
资本支出强度NRDSRHLD
| Q4 25 | 0.1% | 5.8% | ||
| Q3 25 | 0.0% | 0.8% | ||
| Q2 25 | 0.4% | 1.2% | ||
| Q1 25 | 0.1% | 0.6% | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.2% | — | ||
| Q1 24 | 0.0% | — |
现金转化率NRDSRHLD
| 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 | — | — | ||
| 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% |
RHLD
暂无分部数据
