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NERDWALLET, INC.（NRDS）与Ranger Energy Services, Inc.（RNGR）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Ranger Energy Services, Inc.的1.6倍（$225.4M vs $142.2M），NERDWALLET, INC.净利率更高（6.2% vs 2.3%，领先4.0%），NERDWALLET, INC.同比增速更快（22.6% vs -0.6%），NERDWALLET, INC.自由现金流更多（$38.6M vs $17.1M），过去两年NERDWALLET, INC.的营收复合增速更高（18.0% vs 1.9%）
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。
Ranger Energy Services是北美领先的陆上油田服务提供商，为上游油气运营商提供完井、修井、钻机作业及产能优化等全套解决方案，业务主要覆盖美国本土的页岩和致密资源开采作业区。
NRDS vs RNGR — 直观对比
营收规模更大
NRDS
是对方的1.6倍
$142.2M
营收增速更快
NRDS
高出23.3%
-0.6%
净利率更高
NRDS
高出4.0%
2.3%
自由现金流更多
NRDS
多$21.5M
$17.1M
两年增速更快
NRDS
近两年复合增速
1.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $225.4M | $142.2M |
| 净利润 | $14.0M | $3.2M |
| 毛利率 | 94.0% | — |
| 营业利润率 | 8.6% | 2.3% |
| 净利率 | 6.2% | 2.3% |
| 营收同比 | 22.6% | -0.6% |
| 净利润同比 | -63.7% | -44.8% |
| 每股收益（稀释后） | $0.19 | $0.14 |
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NRDSRNGR
| Q4 25 | $225.4M | $142.2M | ||
| Q3 25 | $215.1M | $128.9M | ||
| Q2 25 | $186.9M | $140.6M | ||
| Q1 25 | $209.2M | $135.2M | ||
| Q4 24 | $183.8M | $143.1M | ||
| Q3 24 | $191.3M | $153.0M | ||
| Q2 24 | $150.6M | $138.1M | ||
| Q1 24 | $161.9M | $136.9M |
净利润NRDSRNGR
| Q4 25 | $14.0M | $3.2M | ||
| Q3 25 | $26.3M | $1.2M | ||
| Q2 25 | $8.2M | $7.3M | ||
| Q1 25 | $200.0K | $600.0K | ||
| Q4 24 | $38.6M | $5.8M | ||
| Q3 24 | $100.0K | $8.7M | ||
| Q2 24 | $-9.4M | $4.7M | ||
| Q1 24 | $1.1M | $-800.0K |
毛利率NRDSRNGR
| Q4 25 | 94.0% | — | ||
| Q3 25 | 92.9% | — | ||
| Q2 25 | 91.1% | — | ||
| Q1 25 | 91.3% | — | ||
| Q4 24 | 90.9% | — | ||
| Q3 24 | 90.7% | — | ||
| Q2 24 | 90.1% | — | ||
| Q1 24 | 91.2% | — |
营业利润率NRDSRNGR
| Q4 25 | 8.6% | 2.3% | ||
| Q3 25 | 16.0% | 2.0% | ||
| Q2 25 | 5.7% | 6.1% | ||
| Q1 25 | 0.3% | 0.7% | ||
| Q4 24 | 4.7% | 6.2% | ||
| Q3 24 | 3.5% | 8.4% | ||
| Q2 24 | -6.4% | 5.3% | ||
| Q1 24 | 2.3% | -0.4% |
净利率NRDSRNGR
| Q4 25 | 6.2% | 2.3% | ||
| Q3 25 | 12.2% | 0.9% | ||
| Q2 25 | 4.4% | 5.2% | ||
| Q1 25 | 0.1% | 0.4% | ||
| Q4 24 | 21.0% | 4.1% | ||
| Q3 24 | 0.1% | 5.7% | ||
| Q2 24 | -6.2% | 3.4% | ||
| Q1 24 | 0.7% | -0.6% |
每股收益（稀释后）NRDSRNGR
| Q4 25 | $0.19 | $0.14 | ||
| Q3 25 | $0.34 | $0.05 | ||
| Q2 25 | $0.11 | $0.32 | ||
| Q1 25 | $0.00 | $0.03 | ||
| Q4 24 | $0.49 | $0.24 | ||
| Q3 24 | $0.00 | $0.39 | ||
| Q2 24 | $-0.12 | $0.21 | ||
| Q1 24 | $0.01 | $-0.03 |
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 | $10.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $374.5M | $300.1M |
| 总资产 | $461.1M | $419.3M |
| 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NRDSRNGR
| Q4 25 | $98.3M | $10.3M | ||
| Q3 25 | $120.6M | $45.2M | ||
| Q2 25 | $105.3M | $48.9M | ||
| Q1 25 | $92.2M | $40.3M | ||
| Q4 24 | $66.3M | $40.9M | ||
| Q3 24 | $71.7M | $14.8M | ||
| Q2 24 | $113.8M | $8.7M | ||
| Q1 24 | $110.9M | $11.1M |
总债务NRDSRNGR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $0 |
股东权益NRDSRNGR
| Q4 25 | $374.5M | $300.1M | ||
| Q3 25 | $402.4M | $270.0M | ||
| Q2 25 | $390.0M | $276.9M | ||
| Q1 25 | $371.6M | $272.6M | ||
| Q4 24 | $364.2M | $273.8M | ||
| Q3 24 | $322.4M | $267.6M | ||
| Q2 24 | $379.4M | $260.5M | ||
| Q1 24 | $378.7M | $261.7M |
总资产NRDSRNGR
| Q4 25 | $461.1M | $419.3M | ||
| Q3 25 | $492.8M | $372.8M | ||
| Q2 25 | $476.0M | $381.7M | ||
| Q1 25 | $475.0M | $376.5M | ||
| Q4 24 | $437.6M | $381.6M | ||
| Q3 24 | $402.4M | $373.9M | ||
| Q2 24 | $446.2M | $359.6M | ||
| Q1 24 | $446.1M | $355.5M |
负债/权益比NRDSRNGR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 0.00× |
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 | $24.1M |
| 自由现金流经营现金流 - 资本支出 | $38.6M | $17.1M |
| 自由现金流率自由现金流/营收 | 17.1% | 12.0% |
| 资本支出强度资本支出/营收 | 0.1% | 4.9% |
| 现金转化率经营现金流/净利润 | 2.78× | 7.53× |
| 过去12个月自由现金流最近4个季度 | $130.3M | $42.9M |
8季度趋势，按日历期对齐
经营现金流NRDSRNGR
| Q4 25 | $38.9M | $24.1M | ||
| Q3 25 | $48.5M | $13.6M | ||
| Q2 25 | $17.5M | $20.7M | ||
| Q1 25 | $26.7M | $10.6M | ||
| Q4 24 | $9.9M | $32.7M | ||
| Q3 24 | $29.0M | $17.7M | ||
| Q2 24 | $10.2M | $22.1M | ||
| Q1 24 | $22.7M | $12.0M |
自由现金流NRDSRNGR
| Q4 25 | $38.6M | $17.1M | ||
| Q3 25 | $48.4M | $8.0M | ||
| Q2 25 | $16.8M | $14.4M | ||
| Q1 25 | $26.5M | $3.4M | ||
| Q4 24 | $9.7M | $27.3M | ||
| Q3 24 | $28.9M | $10.8M | ||
| Q2 24 | $9.9M | $6.8M | ||
| Q1 24 | — | $5.5M |
自由现金流率NRDSRNGR
| Q4 25 | 17.1% | 12.0% | ||
| Q3 25 | 22.5% | 6.2% | ||
| Q2 25 | 9.0% | 10.2% | ||
| Q1 25 | 12.7% | 2.5% | ||
| Q4 24 | 5.3% | 19.1% | ||
| Q3 24 | 15.1% | 7.1% | ||
| Q2 24 | 6.6% | 4.9% | ||
| Q1 24 | — | 4.0% |
资本支出强度NRDSRNGR
| Q4 25 | 0.1% | 4.9% | ||
| Q3 25 | 0.0% | 4.3% | ||
| Q2 25 | 0.4% | 4.5% | ||
| Q1 25 | 0.1% | 5.3% | ||
| Q4 24 | 0.1% | 3.8% | ||
| Q3 24 | 0.1% | 4.5% | ||
| Q2 24 | 0.2% | 11.1% | ||
| Q1 24 | 0.0% | 4.7% |
现金转化率NRDSRNGR
| Q4 25 | 2.78× | 7.53× | ||
| Q3 25 | 1.84× | 11.33× | ||
| Q2 25 | 2.13× | 2.84× | ||
| Q1 25 | 133.50× | 17.67× | ||
| Q4 24 | 0.26× | 5.64× | ||
| Q3 24 | 290.00× | 2.03× | ||
| Q2 24 | — | 4.70× | ||
| 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% |
RNGR
| High Specification Rigs | $92.3M | 65% |
| Processing Solutions And Ancillary Services | $37.5M | 26% |
| Wireline Services | $12.4M | 9% |
