vs
Nerdy Inc.（NRDY）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
Nerdy Inc.的季度营收约是RBB Bancorp的1.5倍（$49.1M vs $32.3M），RBB Bancorp净利率更高（31.5% vs -18.8%，领先50.3%），RBB Bancorp同比增速更快（12.6% vs 2.3%），RBB Bancorp自由现金流更多（$42.6M vs $-4.3M），过去两年RBB Bancorp的营收复合增速更高（7.0% vs -4.4%）
Nerdy Inc.是总部位于美国的知名教育科技企业，旗下运营Varsity Tutors等在线学习平台，提供一对一实时辅导、点播课程、备考资源及技能培训内容，服务K12学生、高校学习者及职场人士，覆盖多类学业与职业能力提升需求。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
NRDY vs RBB — 直观对比
营收规模更大
NRDY
是对方的1.5倍
$32.3M
营收增速更快
RBB
高出10.2%
2.3%
净利率更高
RBB
高出50.3%
-18.8%
自由现金流更多
RBB
多$46.8M
$-4.3M
两年增速更快
RBB
近两年复合增速
-4.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $49.1M | $32.3M |
| 净利润 | $-9.2M | $10.2M |
| 毛利率 | 51.0% | — |
| 营业利润率 | -28.3% | 39.5% |
| 净利率 | -18.8% | 31.5% |
| 营收同比 | 2.3% | 12.6% |
| 净利润同比 | 8.9% | 132.1% |
| 每股收益（稀释后） | $-0.07 | $0.59 |
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NRDYRBB
| Q4 25 | $49.1M | $32.3M | ||
| Q3 25 | $37.0M | $32.6M | ||
| Q2 25 | $45.3M | $35.8M | ||
| Q1 25 | $47.6M | $28.5M | ||
| Q4 24 | $48.0M | $28.7M | ||
| Q3 24 | $37.5M | $30.3M | ||
| Q2 24 | $51.0M | $27.5M | ||
| Q1 24 | $53.7M | $28.2M |
净利润NRDYRBB
| Q4 25 | $-9.2M | $10.2M | ||
| Q3 25 | $-12.3M | $10.1M | ||
| Q2 25 | $-7.9M | $9.3M | ||
| Q1 25 | $-10.5M | $2.3M | ||
| Q4 24 | $-10.1M | $4.4M | ||
| Q3 24 | $-15.9M | $7.0M | ||
| Q2 24 | $-9.1M | $7.2M | ||
| Q1 24 | $-7.4M | $8.0M |
毛利率NRDYRBB
| Q4 25 | 51.0% | — | ||
| Q3 25 | 62.9% | — | ||
| Q2 25 | 61.5% | — | ||
| Q1 25 | 58.0% | — | ||
| Q4 24 | 66.6% | — | ||
| Q3 24 | 70.5% | — | ||
| Q2 24 | 65.7% | — | ||
| Q1 24 | 68.0% | — |
营业利润率NRDYRBB
| Q4 25 | -28.3% | 39.5% | ||
| Q3 25 | -51.5% | 40.7% | ||
| Q2 25 | -27.1% | 36.1% | ||
| Q1 25 | -34.8% | 11.2% | ||
| Q4 24 | -34.0% | 17.6% | ||
| Q3 24 | -68.5% | 31.6% | ||
| Q2 24 | -29.9% | 35.6% | ||
| Q1 24 | -23.9% | 39.9% |
净利率NRDYRBB
| Q4 25 | -18.8% | 31.5% | ||
| Q3 25 | -33.2% | 31.2% | ||
| Q2 25 | -17.4% | 26.1% | ||
| Q1 25 | -22.1% | 8.0% | ||
| Q4 24 | -21.1% | 15.3% | ||
| Q3 24 | -42.4% | 23.1% | ||
| Q2 24 | -17.8% | 26.4% | ||
| Q1 24 | -13.9% | 28.4% |
每股收益（稀释后）NRDYRBB
| Q4 25 | $-0.07 | $0.59 | ||
| Q3 25 | $-0.10 | $0.59 | ||
| Q2 25 | $-0.07 | $0.52 | ||
| Q1 25 | $-0.09 | $0.13 | ||
| Q4 24 | $-0.09 | $0.26 | ||
| Q3 24 | $-0.14 | $0.39 | ||
| Q2 24 | $-0.08 | $0.39 | ||
| Q1 24 | $-0.07 | $0.43 |
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 | $47.9M | $212.3M |
| 总债务越低越好 | — | $119.9M |
| 股东权益账面价值 | $19.0M | $523.4M |
| 总资产 | $76.2M | $4.2B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资NRDYRBB
| Q4 25 | $47.9M | $212.3M | ||
| Q3 25 | $32.7M | $234.9M | ||
| Q2 25 | $36.7M | $191.9M | ||
| Q1 25 | $44.9M | $238.8M | ||
| Q4 24 | $52.5M | $257.7M | ||
| Q3 24 | $65.0M | $349.4M | ||
| Q2 24 | $69.8M | $252.8M | ||
| Q1 24 | $77.0M | — |
总债务NRDYRBB
| Q4 25 | — | $119.9M | ||
| Q3 25 | — | $119.8M | ||
| Q2 25 | — | $119.7M | ||
| Q1 25 | — | $119.6M | ||
| Q4 24 | — | $119.5M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | $119.3M | ||
| Q1 24 | — | $119.2M |
股东权益NRDYRBB
| Q4 25 | $19.0M | $523.4M | ||
| Q3 25 | $24.3M | $514.3M | ||
| Q2 25 | $31.8M | $517.7M | ||
| Q1 25 | $34.4M | $510.3M | ||
| Q4 24 | $39.5M | $507.9M | ||
| Q3 24 | $43.3M | $509.7M | ||
| Q2 24 | $52.2M | $511.3M | ||
| Q1 24 | $52.8M | $514.0M |
总资产NRDYRBB
| Q4 25 | $76.2M | $4.2B | ||
| Q3 25 | $70.4M | $4.2B | ||
| Q2 25 | $73.7M | $4.1B | ||
| Q1 25 | $83.0M | $4.0B | ||
| Q4 24 | $92.5M | $4.0B | ||
| Q3 24 | $106.8M | $4.0B | ||
| Q2 24 | $111.3M | $3.9B | ||
| Q1 24 | $121.3M | $3.9B |
负债/权益比NRDYRBB
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | — | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $-2.9M | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $-4.3M | $42.6M |
| 自由现金流率自由现金流/营收 | -8.7% | 131.8% |
| 资本支出强度资本支出/营收 | 2.7% | 2.5% |
| 现金转化率经营现金流/净利润 | — | 4.26× |
| 过去12个月自由现金流最近4个季度 | $-24.2M | $73.5M |
8季度趋势，按日历期对齐
经营现金流NRDYRBB
| Q4 25 | $-2.9M | $43.4M | ||
| Q3 25 | $-2.4M | $2.1M | ||
| Q2 25 | $-7.0M | $21.7M | ||
| Q1 25 | $-6.4M | $7.8M | ||
| Q4 24 | $-11.3M | $58.5M | ||
| Q3 24 | $-3.1M | $24.5M | ||
| Q2 24 | $-5.6M | $11.7M | ||
| Q1 24 | $4.4M | $4.8M |
自由现金流NRDYRBB
| Q4 25 | $-4.3M | $42.6M | ||
| Q3 25 | $-4.1M | $1.8M | ||
| Q2 25 | $-8.2M | $21.6M | ||
| Q1 25 | $-7.6M | $7.6M | ||
| Q4 24 | $-12.5M | $57.7M | ||
| Q3 24 | $-5.0M | $24.2M | ||
| Q2 24 | $-7.1M | $11.5M | ||
| Q1 24 | $2.1M | $4.7M |
自由现金流率NRDYRBB
| Q4 25 | -8.7% | 131.8% | ||
| Q3 25 | -11.2% | 5.4% | ||
| Q2 25 | -18.1% | 60.2% | ||
| Q1 25 | -16.0% | 26.7% | ||
| Q4 24 | -26.0% | 201.0% | ||
| Q3 24 | -13.3% | 80.0% | ||
| Q2 24 | -14.0% | 42.0% | ||
| Q1 24 | 4.0% | 16.6% |
资本支出强度NRDYRBB
| Q4 25 | 2.7% | 2.5% | ||
| Q3 25 | 4.6% | 1.1% | ||
| Q2 25 | 2.6% | 0.3% | ||
| Q1 25 | 2.5% | 0.6% | ||
| Q4 24 | 2.4% | 2.7% | ||
| Q3 24 | 5.2% | 0.8% | ||
| Q2 24 | 3.0% | 0.5% | ||
| Q1 24 | 4.1% | 0.5% |
现金转化率NRDYRBB
| Q4 25 | — | 4.26× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | — | 2.32× | ||
| Q1 25 | — | 3.39× | ||
| Q4 24 | — | 13.34× | ||
| Q3 24 | — | 3.50× | ||
| Q2 24 | — | 1.61× | ||
| Q1 24 | — | 0.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
