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NERDWALLET, INC.（NRDS）与BRC Group Holdings, Inc.（RILY）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BRC Group Holdings, Inc.的1.2倍（$225.4M vs $188.3M），BRC Group Holdings, Inc.净利率更高（47.9% vs 6.2%，领先41.7%），NERDWALLET, INC.同比增速更快（22.6% vs -21.9%），过去两年NERDWALLET, INC.的营收复合增速更高（18.0% vs -15.4%）
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。
NRDS vs RILY — 直观对比
营收规模更大
NRDS
是对方的1.2倍
$188.3M
营收增速更快
NRDS
高出44.5%
-21.9%
净利率更高
RILY
高出41.7%
6.2%
两年增速更快
NRDS
近两年复合增速
-15.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $225.4M | $188.3M |
| 净利润 | $14.0M | $90.3M |
| 毛利率 | 94.0% | 79.5% |
| 营业利润率 | 8.6% | 32.3% |
| 净利率 | 6.2% | 47.9% |
| 营收同比 | 22.6% | -21.9% |
| 净利润同比 | -63.7% | 1710.8% |
| 每股收益（稀释后） | $0.19 | $2.78 |
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NRDSRILY
| Q4 25 | $225.4M | $188.3M | ||
| Q3 25 | $215.1M | $215.3M | ||
| Q2 25 | $186.9M | $188.2M | ||
| Q1 25 | $209.2M | $197.2M | ||
| Q4 24 | $183.8M | $241.0M | ||
| Q3 24 | $191.3M | $225.5M | ||
| Q2 24 | $150.6M | $256.0M | ||
| Q1 24 | $161.9M | $263.4M |
净利润NRDSRILY
| Q4 25 | $14.0M | $90.3M | ||
| Q3 25 | $26.3M | $91.1M | ||
| Q2 25 | $8.2M | $139.5M | ||
| Q1 25 | $200.0K | $-10.0M | ||
| Q4 24 | $38.6M | $-5.6M | ||
| Q3 24 | $100.0K | $-284.4M | ||
| Q2 24 | $-9.4M | $-433.6M | ||
| Q1 24 | $1.1M | $-49.2M |
毛利率NRDSRILY
| Q4 25 | 94.0% | 79.5% | ||
| Q3 25 | 92.9% | 83.7% | ||
| Q2 25 | 91.1% | 81.3% | ||
| Q1 25 | 91.3% | 81.4% | ||
| Q4 24 | 90.9% | 79.8% | ||
| Q3 24 | 90.7% | 82.1% | ||
| Q2 24 | 90.1% | 84.5% | ||
| Q1 24 | 91.2% | 85.3% |
营业利润率NRDSRILY
| Q4 25 | 8.6% | 32.3% | ||
| Q3 25 | 16.0% | 30.4% | ||
| Q2 25 | 5.7% | 5.7% | ||
| Q1 25 | 0.3% | -31.2% | ||
| Q4 24 | 4.7% | -69.2% | ||
| Q3 24 | 3.5% | -36.4% | ||
| Q2 24 | -6.4% | -90.8% | ||
| Q1 24 | 2.3% | -6.1% |
净利率NRDSRILY
| Q4 25 | 6.2% | 47.9% | ||
| Q3 25 | 12.2% | 42.3% | ||
| Q2 25 | 4.4% | 74.1% | ||
| Q1 25 | 0.1% | -5.1% | ||
| Q4 24 | 21.0% | -2.3% | ||
| Q3 24 | 0.1% | -126.1% | ||
| Q2 24 | -6.2% | -169.4% | ||
| Q1 24 | 0.7% | -18.7% |
每股收益（稀释后）NRDSRILY
| Q4 25 | $0.19 | $2.78 | ||
| Q3 25 | $0.34 | $2.91 | ||
| Q2 25 | $0.11 | $4.50 | ||
| Q1 25 | $0.00 | $-0.39 | ||
| Q4 24 | $0.49 | $-0.01 | ||
| Q3 24 | $0.00 | $-9.39 | ||
| Q2 24 | $-0.12 | $-14.35 | ||
| Q1 24 | $0.01 | $-1.71 |
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 | $226.6M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $374.5M | $-171.5M |
| 总资产 | $461.1M | $1.7B |
| 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NRDSRILY
| Q4 25 | $98.3M | $226.6M | ||
| Q3 25 | $120.6M | $184.2M | ||
| Q2 25 | $105.3M | $267.4M | ||
| Q1 25 | $92.2M | $138.3M | ||
| Q4 24 | $66.3M | $146.9M | ||
| Q3 24 | $71.7M | $159.2M | ||
| Q2 24 | $113.8M | $236.9M | ||
| Q1 24 | $110.9M | $190.7M |
总债务NRDSRILY
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益NRDSRILY
| Q4 25 | $374.5M | $-171.5M | ||
| Q3 25 | $402.4M | $-260.5M | ||
| Q2 25 | $390.0M | $-351.7M | ||
| Q1 25 | $371.6M | $-496.8M | ||
| Q4 24 | $364.2M | $-488.2M | ||
| Q3 24 | $322.4M | $-497.6M | ||
| Q2 24 | $379.4M | $-218.3M | ||
| Q1 24 | $378.7M | $228.4M |
总资产NRDSRILY
| Q4 25 | $461.1M | $1.7B | ||
| Q3 25 | $492.8M | $1.7B | ||
| Q2 25 | $476.0M | $1.5B | ||
| Q1 25 | $475.0M | $1.5B | ||
| Q4 24 | $437.6M | $1.8B | ||
| Q3 24 | $402.4M | $2.2B | ||
| Q2 24 | $446.2M | $3.2B | ||
| Q1 24 | $446.1M | $5.0B |
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 | $26.2M |
| 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× | 0.29× |
| 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NRDSRILY
| Q4 25 | $38.9M | $26.2M | ||
| Q3 25 | $48.5M | $-60.6M | ||
| Q2 25 | $17.5M | $-25.6M | ||
| Q1 25 | $26.7M | $184.0K | ||
| Q4 24 | $9.9M | $-2.7M | ||
| Q3 24 | $29.0M | $19.5M | ||
| Q2 24 | $10.2M | $111.5M | ||
| Q1 24 | $22.7M | $135.4M |
自由现金流NRDSRILY
| 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NRDSRILY
| 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NRDSRILY
| 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NRDSRILY
| Q4 25 | 2.78× | 0.29× | ||
| Q3 25 | 1.84× | -0.66× | ||
| Q2 25 | 2.13× | -0.18× | ||
| 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% |
RILY
| Transferred At Point In Time | $101.4M | 54% |
| Wealth Management Segment | $30.7M | 16% |
| Corporate Finance Consulting And Investment Banking Fees | $27.1M | 14% |
| Services And Fees | $24.8M | 13% |
| Commissions Fees And Reimbursed Expenses | $4.8M | 3% |
