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NERDWALLET, INC.（NRDS）与Rocket Lab Corp（RKLB）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Rocket Lab Corp的1.3倍（$225.4M vs $179.7M），NERDWALLET, INC.净利率更高（6.2% vs -29.5%，领先35.7%），Rocket Lab Corp同比增速更快（35.7% vs 22.6%），NERDWALLET, INC.自由现金流更多（$38.6M vs $-114.2M），过去两年Rocket Lab Corp的营收复合增速更高（39.2% 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。
Rocket Lab是公开上市的航空航天制造商及发射服务提供商，旗下Electron轨道火箭主打小型卫星发射，截至2026年1月已成功完成超75次任务，是全球现役发射次数最多的小型运载火箭。公司还开发了Electron的亚轨道改型HASTE用作高超音速技术测试平台，下一代可复用中型运载火箭Neutron目前也在研发中。
NRDS vs RKLB — 直观对比
营收规模更大
NRDS
是对方的1.3倍
$179.7M
营收增速更快
RKLB
高出13.1%
22.6%
净利率更高
NRDS
高出35.7%
-29.5%
自由现金流更多
NRDS
多$152.8M
$-114.2M
两年增速更快
RKLB
近两年复合增速
18.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $225.4M | $179.7M |
| 净利润 | $14.0M | $-52.9M |
| 毛利率 | 94.0% | 38.0% |
| 营业利润率 | 8.6% | -28.4% |
| 净利率 | 6.2% | -29.5% |
| 营收同比 | 22.6% | 35.7% |
| 净利润同比 | -63.7% | -1.1% |
| 每股收益（稀释后） | $0.19 | $-0.09 |
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NRDSRKLB
| Q4 25 | $225.4M | $179.7M | ||
| Q3 25 | $215.1M | $155.1M | ||
| Q2 25 | $186.9M | $144.5M | ||
| Q1 25 | $209.2M | $122.6M | ||
| Q4 24 | $183.8M | $132.4M | ||
| Q3 24 | $191.3M | $104.8M | ||
| Q2 24 | $150.6M | $106.3M | ||
| Q1 24 | $161.9M | $92.8M |
净利润NRDSRKLB
| Q4 25 | $14.0M | $-52.9M | ||
| Q3 25 | $26.3M | $-18.3M | ||
| Q2 25 | $8.2M | $-66.4M | ||
| Q1 25 | $200.0K | $-60.6M | ||
| Q4 24 | $38.6M | $-52.3M | ||
| Q3 24 | $100.0K | $-51.9M | ||
| Q2 24 | $-9.4M | $-41.6M | ||
| Q1 24 | $1.1M | $-44.3M |
毛利率NRDSRKLB
| Q4 25 | 94.0% | 38.0% | ||
| Q3 25 | 92.9% | 37.0% | ||
| Q2 25 | 91.1% | 32.1% | ||
| Q1 25 | 91.3% | 28.8% | ||
| Q4 24 | 90.9% | 27.8% | ||
| Q3 24 | 90.7% | 26.7% | ||
| Q2 24 | 90.1% | 25.6% | ||
| Q1 24 | 91.2% | 26.1% |
营业利润率NRDSRKLB
| Q4 25 | 8.6% | -28.4% | ||
| Q3 25 | 16.0% | -38.0% | ||
| Q2 25 | 5.7% | -41.3% | ||
| Q1 25 | 0.3% | -48.3% | ||
| Q4 24 | 4.7% | -38.9% | ||
| Q3 24 | 3.5% | -49.5% | ||
| Q2 24 | -6.4% | -40.7% | ||
| Q1 24 | 2.3% | -46.4% |
净利率NRDSRKLB
| Q4 25 | 6.2% | -29.5% | ||
| Q3 25 | 12.2% | -11.8% | ||
| Q2 25 | 4.4% | -46.0% | ||
| Q1 25 | 0.1% | -49.5% | ||
| Q4 24 | 21.0% | -39.5% | ||
| Q3 24 | 0.1% | -49.6% | ||
| Q2 24 | -6.2% | -39.2% | ||
| Q1 24 | 0.7% | -47.7% |
每股收益（稀释后）NRDSRKLB
| Q4 25 | $0.19 | $-0.09 | ||
| Q3 25 | $0.34 | $-0.03 | ||
| Q2 25 | $0.11 | $-0.13 | ||
| Q1 25 | $0.00 | $-0.12 | ||
| Q4 24 | $0.49 | $-0.11 | ||
| Q3 24 | $0.00 | $-0.10 | ||
| Q2 24 | $-0.12 | $-0.08 | ||
| Q1 24 | $0.01 | $-0.09 |
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 | $1.0B |
| 总债务越低越好 | — | $152.4M |
| 股东权益账面价值 | $374.5M | $1.7B |
| 总资产 | $461.1M | $2.3B |
| 负债/权益比越低杠杆越低 | — | 0.09× |
8季度趋势，按日历期对齐
现金及短期投资NRDSRKLB
| Q4 25 | $98.3M | $1.0B | ||
| Q3 25 | $120.6M | $976.7M | ||
| Q2 25 | $105.3M | $688.1M | ||
| Q1 25 | $92.2M | $428.4M | ||
| Q4 24 | $66.3M | $419.0M | ||
| Q3 24 | $71.7M | $442.4M | ||
| Q2 24 | $113.8M | $496.8M | ||
| Q1 24 | $110.9M | $492.5M |
总债务NRDSRKLB
| Q4 25 | — | $152.4M | ||
| Q3 25 | — | $347.0M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $345.9M | ||
| Q4 24 | — | $345.4M | ||
| Q3 24 | — | $61.2M | ||
| Q2 24 | — | $64.2M | ||
| Q1 24 | — | $66.8M |
股东权益NRDSRKLB
| Q4 25 | $374.5M | $1.7B | ||
| Q3 25 | $402.4M | $1.3B | ||
| Q2 25 | $390.0M | $688.5M | ||
| Q1 25 | $371.6M | $431.3M | ||
| Q4 24 | $364.2M | $382.5M | ||
| Q3 24 | $322.4M | $419.8M | ||
| Q2 24 | $379.4M | $455.2M | ||
| Q1 24 | $378.7M | $478.9M |
总资产NRDSRKLB
| Q4 25 | $461.1M | $2.3B | ||
| Q3 25 | $492.8M | $2.2B | ||
| Q2 25 | $476.0M | $1.6B | ||
| Q1 25 | $475.0M | $1.3B | ||
| Q4 24 | $437.6M | $1.2B | ||
| Q3 24 | $402.4M | $1.2B | ||
| Q2 24 | $446.2M | $1.2B | ||
| Q1 24 | $446.1M | $1.2B |
负债/权益比NRDSRKLB
| Q4 25 | — | 0.09× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.50× | ||
| Q1 25 | — | 0.80× | ||
| Q4 24 | — | 0.90× | ||
| Q3 24 | — | 0.15× | ||
| Q2 24 | — | 0.14× | ||
| Q1 24 | — | 0.14× |
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 | $-64.5M |
| 自由现金流经营现金流 - 资本支出 | $38.6M | $-114.2M |
| 自由现金流率自由现金流/营收 | 17.1% | -63.6% |
| 资本支出强度资本支出/营收 | 0.1% | 27.6% |
| 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 | $-321.8M |
8季度趋势，按日历期对齐
经营现金流NRDSRKLB
| Q4 25 | $38.9M | $-64.5M | ||
| Q3 25 | $48.5M | $-23.5M | ||
| Q2 25 | $17.5M | $-23.2M | ||
| Q1 25 | $26.7M | $-54.2M | ||
| Q4 24 | $9.9M | $-2.4M | ||
| Q3 24 | $29.0M | $-30.9M | ||
| Q2 24 | $10.2M | $-13.0M | ||
| Q1 24 | $22.7M | $-2.6M |
自由现金流NRDSRKLB
| Q4 25 | $38.6M | $-114.2M | ||
| Q3 25 | $48.4M | $-69.4M | ||
| Q2 25 | $16.8M | $-55.3M | ||
| Q1 25 | $26.5M | $-82.9M | ||
| Q4 24 | $9.7M | $-23.9M | ||
| Q3 24 | $28.9M | $-41.9M | ||
| Q2 24 | $9.9M | $-28.3M | ||
| Q1 24 | — | $-21.8M |
自由现金流率NRDSRKLB
| Q4 25 | 17.1% | -63.6% | ||
| Q3 25 | 22.5% | -44.8% | ||
| Q2 25 | 9.0% | -38.3% | ||
| Q1 25 | 12.7% | -67.6% | ||
| Q4 24 | 5.3% | -18.1% | ||
| Q3 24 | 15.1% | -40.0% | ||
| Q2 24 | 6.6% | -26.7% | ||
| Q1 24 | — | -23.5% |
资本支出强度NRDSRKLB
| Q4 25 | 0.1% | 27.6% | ||
| Q3 25 | 0.0% | 29.6% | ||
| Q2 25 | 0.4% | 22.2% | ||
| Q1 25 | 0.1% | 23.4% | ||
| Q4 24 | 0.1% | 16.3% | ||
| Q3 24 | 0.1% | 10.5% | ||
| Q2 24 | 0.2% | 14.4% | ||
| Q1 24 | 0.0% | 20.7% |
现金转化率NRDSRKLB
| 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% |
RKLB
| Products | $94.0M | 52% |
| Transferred Over Time | $87.3M | 49% |
