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NERDWALLET, INC.（NRDS）与GIBRALTAR INDUSTRIES, INC.（ROCK）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GIBRALTAR INDUSTRIES, INC.的1.0倍（$225.4M vs $225.0M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 22.6%），NERDWALLET, INC.自由现金流更多（$38.6M vs $26.2M），过去两年NERDWALLET, INC.的营收复合增速更高（18.0% vs -12.3%）
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。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
NRDS vs ROCK — 直观对比
营收规模更大
NRDS
是对方的1.0倍
$225.0M
营收增速更快
ROCK
高出2.3%
22.6%
自由现金流更多
NRDS
多$12.4M
$26.2M
两年增速更快
NRDS
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $225.4M | $225.0M |
| 净利润 | $14.0M | — |
| 毛利率 | 94.0% | 25.3% |
| 营业利润率 | 8.6% | 7.9% |
| 净利率 | 6.2% | — |
| 营收同比 | 22.6% | 24.9% |
| 净利润同比 | -63.7% | — |
| 每股收益（稀释后） | $0.19 | — |
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NRDSROCK
| Q4 25 | $225.4M | $225.0M | ||
| Q3 25 | $215.1M | $310.9M | ||
| Q2 25 | $186.9M | $309.5M | ||
| Q1 25 | $209.2M | $290.0M | ||
| Q4 24 | $183.8M | $180.1M | ||
| Q3 24 | $191.3M | $277.1M | ||
| Q2 24 | $150.6M | $273.6M | ||
| Q1 24 | $161.9M | $292.5M |
净利润NRDSROCK
| Q4 25 | $14.0M | — | ||
| Q3 25 | $26.3M | $-89.1M | ||
| Q2 25 | $8.2M | $26.0M | ||
| Q1 25 | $200.0K | $21.1M | ||
| Q4 24 | $38.6M | — | ||
| Q3 24 | $100.0K | $34.0M | ||
| Q2 24 | $-9.4M | $32.2M | ||
| Q1 24 | $1.1M | $24.9M |
毛利率NRDSROCK
| Q4 25 | 94.0% | 25.3% | ||
| Q3 25 | 92.9% | 26.6% | ||
| Q2 25 | 91.1% | 28.4% | ||
| Q1 25 | 91.3% | 26.8% | ||
| Q4 24 | 90.9% | 29.0% | ||
| Q3 24 | 90.7% | 29.4% | ||
| Q2 24 | 90.1% | 30.5% | ||
| Q1 24 | 91.2% | 28.9% |
营业利润率NRDSROCK
| Q4 25 | 8.6% | 7.9% | ||
| Q3 25 | 16.0% | 12.8% | ||
| Q2 25 | 5.7% | 12.8% | ||
| Q1 25 | 0.3% | 8.8% | ||
| Q4 24 | 4.7% | 13.3% | ||
| Q3 24 | 3.5% | 15.6% | ||
| Q2 24 | -6.4% | 14.9% | ||
| Q1 24 | 2.3% | 10.8% |
净利率NRDSROCK
| Q4 25 | 6.2% | — | ||
| Q3 25 | 12.2% | -28.6% | ||
| Q2 25 | 4.4% | 8.4% | ||
| Q1 25 | 0.1% | 7.3% | ||
| Q4 24 | 21.0% | — | ||
| Q3 24 | 0.1% | 12.3% | ||
| Q2 24 | -6.2% | 11.8% | ||
| Q1 24 | 0.7% | 8.5% |
每股收益（稀释后）NRDSROCK
| Q4 25 | $0.19 | — | ||
| Q3 25 | $0.34 | $-2.98 | ||
| Q2 25 | $0.11 | $0.87 | ||
| Q1 25 | $0.00 | — | ||
| Q4 24 | $0.49 | — | ||
| Q3 24 | $0.00 | $1.11 | ||
| Q2 24 | $-0.12 | $1.05 | ||
| 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 | $115.7M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $374.5M | $950.4M |
| 总资产 | $461.1M | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资NRDSROCK
| Q4 25 | $98.3M | $115.7M | ||
| Q3 25 | $120.6M | $89.4M | ||
| Q2 25 | $105.3M | $43.3M | ||
| Q1 25 | $92.2M | $25.1M | ||
| Q4 24 | $66.3M | $269.5M | ||
| Q3 24 | $71.7M | $228.9M | ||
| Q2 24 | $113.8M | $179.1M | ||
| Q1 24 | $110.9M | $146.7M |
总债务NRDSROCK
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $0 |
股东权益NRDSROCK
| Q4 25 | $374.5M | $950.4M | ||
| Q3 25 | $402.4M | $951.8M | ||
| Q2 25 | $390.0M | $1.0B | ||
| Q1 25 | $371.6M | $1.0B | ||
| Q4 24 | $364.2M | $1.0B | ||
| Q3 24 | $322.4M | $1.0B | ||
| Q2 24 | $379.4M | $975.7M | ||
| Q1 24 | $378.7M | $940.2M |
总资产NRDSROCK
| Q4 25 | $461.1M | $1.4B | ||
| Q3 25 | $492.8M | $1.4B | ||
| Q2 25 | $476.0M | $1.5B | ||
| Q1 25 | $475.0M | $1.4B | ||
| Q4 24 | $437.6M | $1.4B | ||
| Q3 24 | $402.4M | $1.4B | ||
| Q2 24 | $446.2M | $1.4B | ||
| Q1 24 | $446.1M | $1.3B |
负债/权益比NRDSROCK
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| 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 | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $38.6M | $26.2M |
| 自由现金流率自由现金流/营收 | 17.1% | 11.7% |
| 资本支出强度资本支出/营收 | 0.1% | 4.1% |
| 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 | $120.6M |
8季度趋势，按日历期对齐
经营现金流NRDSROCK
| Q4 25 | $38.9M | $35.5M | ||
| Q3 25 | $48.5M | $73.0M | ||
| Q2 25 | $17.5M | $44.9M | ||
| Q1 25 | $26.7M | $13.7M | ||
| Q4 24 | $9.9M | $19.9M | ||
| Q3 24 | $29.0M | $64.7M | ||
| Q2 24 | $10.2M | $36.5M | ||
| Q1 24 | $22.7M | $53.2M |
自由现金流NRDSROCK
| Q4 25 | $38.6M | $26.2M | ||
| Q3 25 | $48.4M | $64.8M | ||
| Q2 25 | $16.8M | $27.3M | ||
| Q1 25 | $26.5M | $2.3M | ||
| Q4 24 | $9.7M | $14.1M | ||
| Q3 24 | $28.9M | $60.5M | ||
| Q2 24 | $9.9M | $33.5M | ||
| Q1 24 | — | $48.8M |
自由现金流率NRDSROCK
| Q4 25 | 17.1% | 11.7% | ||
| Q3 25 | 22.5% | 20.8% | ||
| Q2 25 | 9.0% | 8.8% | ||
| Q1 25 | 12.7% | 0.8% | ||
| Q4 24 | 5.3% | 7.8% | ||
| Q3 24 | 15.1% | 21.8% | ||
| Q2 24 | 6.6% | 12.2% | ||
| Q1 24 | — | 16.7% |
资本支出强度NRDSROCK
| Q4 25 | 0.1% | 4.1% | ||
| Q3 25 | 0.0% | 2.6% | ||
| Q2 25 | 0.4% | 5.7% | ||
| Q1 25 | 0.1% | 3.9% | ||
| Q4 24 | 0.1% | 3.3% | ||
| Q3 24 | 0.1% | 1.5% | ||
| Q2 24 | 0.2% | 1.1% | ||
| Q1 24 | 0.0% | 1.5% |
现金转化率NRDSROCK
| Q4 25 | 2.78× | — | ||
| Q3 25 | 1.84× | — | ||
| Q2 25 | 2.13× | 1.73× | ||
| Q1 25 | 133.50× | 0.65× | ||
| Q4 24 | 0.26× | — | ||
| Q3 24 | 290.00× | 1.90× | ||
| Q2 24 | — | 1.13× | ||
| Q1 24 | 20.64× | 2.13× |
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% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
