vs
Nerdy Inc.（NRDY）与REPUBLIC BANCORP INC（RBCAA）财务数据对比。点击上方公司名可切换其他公司
REPUBLIC BANCORP INC的季度营收约是Nerdy Inc.的1.9倍（$94.3M vs $49.1M），REPUBLIC BANCORP INC净利率更高（24.2% vs -18.8%，领先43.0%），REPUBLIC BANCORP INC同比增速更快（5.3% vs 2.3%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $-4.3M），过去两年Nerdy Inc.的营收复合增速更高（-4.4% vs -11.5%）
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。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
NRDY vs RBCAA — 直观对比
营收规模更大
RBCAA
是对方的1.9倍
$49.1M
营收增速更快
RBCAA
高出3.0%
2.3%
净利率更高
RBCAA
高出43.0%
-18.8%
自由现金流更多
RBCAA
多$165.4M
$-4.3M
两年增速更快
NRDY
近两年复合增速
-11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $49.1M | $94.3M |
| 净利润 | $-9.2M | $22.8M |
| 毛利率 | 51.0% | — |
| 营业利润率 | -28.3% | 29.3% |
| 净利率 | -18.8% | 24.2% |
| 营收同比 | 2.3% | 5.3% |
| 净利润同比 | 8.9% | 20.0% |
| 每股收益（稀释后） | $-0.07 | — |
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NRDYRBCAA
| Q4 25 | $49.1M | $94.3M | ||
| Q3 25 | $37.0M | $93.5M | ||
| Q2 25 | $45.3M | $93.8M | ||
| Q1 25 | $47.6M | $135.8M | ||
| Q4 24 | $48.0M | $89.5M | ||
| Q3 24 | $37.5M | $88.1M | ||
| Q2 24 | $51.0M | $86.9M | ||
| Q1 24 | $53.7M | $120.3M |
净利润NRDYRBCAA
| Q4 25 | $-9.2M | $22.8M | ||
| Q3 25 | $-12.3M | $29.7M | ||
| Q2 25 | $-7.9M | $31.5M | ||
| Q1 25 | $-10.5M | $47.3M | ||
| Q4 24 | $-10.1M | $19.0M | ||
| Q3 24 | $-15.9M | $26.5M | ||
| Q2 24 | $-9.1M | $25.2M | ||
| Q1 24 | $-7.4M | $30.6M |
毛利率NRDYRBCAA
| 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NRDYRBCAA
| Q4 25 | -28.3% | 29.3% | ||
| Q3 25 | -51.5% | 40.4% | ||
| Q2 25 | -27.1% | 43.0% | ||
| Q1 25 | -34.8% | 44.1% | ||
| Q4 24 | -34.0% | 25.8% | ||
| Q3 24 | -68.5% | 38.4% | ||
| Q2 24 | -29.9% | 37.0% | ||
| Q1 24 | -23.9% | 32.2% |
净利率NRDYRBCAA
| Q4 25 | -18.8% | 24.2% | ||
| Q3 25 | -33.2% | 31.8% | ||
| Q2 25 | -17.4% | 33.5% | ||
| Q1 25 | -22.1% | 34.8% | ||
| Q4 24 | -21.1% | 21.2% | ||
| Q3 24 | -42.4% | 30.1% | ||
| Q2 24 | -17.8% | 29.0% | ||
| Q1 24 | -13.9% | 25.4% |
每股收益（稀释后）NRDYRBCAA
| Q4 25 | $-0.07 | — | ||
| Q3 25 | $-0.10 | — | ||
| Q2 25 | $-0.07 | — | ||
| Q1 25 | $-0.09 | — | ||
| Q4 24 | $-0.09 | — | ||
| Q3 24 | $-0.14 | — | ||
| Q2 24 | $-0.08 | — | ||
| Q1 24 | $-0.07 | — |
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 | $220.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $19.0M | $1.1B |
| 总资产 | $76.2M | $7.0B |
| 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NRDYRBCAA
| Q4 25 | $47.9M | $220.0M | ||
| Q3 25 | $32.7M | $484.2M | ||
| Q2 25 | $36.7M | $484.8M | ||
| Q1 25 | $44.9M | $793.0M | ||
| Q4 24 | $52.5M | $432.2M | ||
| Q3 24 | $65.0M | $530.9M | ||
| Q2 24 | $69.8M | $400.1M | ||
| Q1 24 | $77.0M | $546.4M |
股东权益NRDYRBCAA
| Q4 25 | $19.0M | $1.1B | ||
| Q3 25 | $24.3M | $1.1B | ||
| Q2 25 | $31.8M | $1.1B | ||
| Q1 25 | $34.4M | $1.0B | ||
| Q4 24 | $39.5M | $992.0M | ||
| Q3 24 | $43.3M | $979.7M | ||
| Q2 24 | $52.2M | $955.4M | ||
| Q1 24 | $52.8M | $935.6M |
总资产NRDYRBCAA
| Q4 25 | $76.2M | $7.0B | ||
| Q3 25 | $70.4M | $7.0B | ||
| Q2 25 | $73.7M | $7.0B | ||
| Q1 25 | $83.0M | $7.1B | ||
| Q4 24 | $92.5M | $6.8B | ||
| Q3 24 | $106.8M | $6.7B | ||
| Q2 24 | $111.3M | $6.6B | ||
| Q1 24 | $121.3M | $6.9B |
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 | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $-4.3M | $161.1M |
| 自由现金流率自由现金流/营收 | -8.7% | 170.9% |
| 资本支出强度资本支出/营收 | 2.7% | 7.5% |
| 现金转化率经营现金流/净利润 | — | 7.37× |
| 过去12个月自由现金流最近4个季度 | $-24.2M | $288.6M |
8季度趋势，按日历期对齐
经营现金流NRDYRBCAA
| Q4 25 | $-2.9M | $168.2M | ||
| Q3 25 | $-2.4M | $33.3M | ||
| Q2 25 | $-7.0M | $8.4M | ||
| Q1 25 | $-6.4M | $93.2M | ||
| Q4 24 | $-11.3M | $149.0M | ||
| Q3 24 | $-3.1M | $51.3M | ||
| Q2 24 | $-5.6M | $4.0M | ||
| Q1 24 | $4.4M | $71.2M |
自由现金流NRDYRBCAA
| Q4 25 | $-4.3M | $161.1M | ||
| Q3 25 | $-4.1M | $30.8M | ||
| Q2 25 | $-8.2M | $5.2M | ||
| Q1 25 | $-7.6M | $91.6M | ||
| Q4 24 | $-12.5M | $143.2M | ||
| Q3 24 | $-5.0M | $49.8M | ||
| Q2 24 | $-7.1M | $2.7M | ||
| Q1 24 | $2.1M | $69.1M |
自由现金流率NRDYRBCAA
| Q4 25 | -8.7% | 170.9% | ||
| Q3 25 | -11.2% | 32.9% | ||
| Q2 25 | -18.1% | 5.5% | ||
| Q1 25 | -16.0% | 67.4% | ||
| Q4 24 | -26.0% | 160.0% | ||
| Q3 24 | -13.3% | 56.5% | ||
| Q2 24 | -14.0% | 3.1% | ||
| Q1 24 | 4.0% | 57.5% |
资本支出强度NRDYRBCAA
| Q4 25 | 2.7% | 7.5% | ||
| Q3 25 | 4.6% | 2.6% | ||
| Q2 25 | 2.6% | 3.5% | ||
| Q1 25 | 2.5% | 1.2% | ||
| Q4 24 | 2.4% | 6.5% | ||
| Q3 24 | 5.2% | 1.7% | ||
| Q2 24 | 3.0% | 1.5% | ||
| Q1 24 | 4.1% | 1.7% |
现金转化率NRDYRBCAA
| Q4 25 | — | 7.37× | ||
| Q3 25 | — | 1.12× | ||
| Q2 25 | — | 0.27× | ||
| Q1 25 | — | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | — | 1.93× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 2.33× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
