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Northern Trust（NTRS）与Rocket Companies, Inc.（RKT）财务数据对比。点击上方公司名可切换其他公司
Rocket Companies, Inc.的季度营收约是Northern Trust的1.2倍（$2.7B vs $2.2B），Northern Trust净利率更高（23.7% vs 2.5%，领先21.2%），Rocket Companies, Inc.同比增速更快（52.2% vs 13.8%），过去两年Rocket Companies, Inc.的营收复合增速更高（39.5% vs 37.8%）
Northern Trust是总部位于美国伊利诺伊州芝加哥的专业金融服务企业，主要服务对象包括各类企业、机构投资者以及超高净值个人客户，是美国规模最大、持续运营历史最悠久的银行机构之一。截至2025年12月末，其管理资产规模达1.8万亿美元，托管资产规模达14.9万亿美元。
Rocket Companies, Inc.是美国金融科技及住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。公司依托旗舰子公司Rocket Mortgage跻身美国最大抵押贷款提供商行列，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
NTRS vs RKT — 直观对比
营收规模更大
RKT
是对方的1.2倍
$2.2B
营收增速更快
RKT
高出38.4%
13.8%
净利率更高
NTRS
高出21.2%
2.5%
两年增速更快
RKT
近两年复合增速
37.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.2B | $2.7B |
| 净利润 | $525.5M | $68.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.3% |
| 净利率 | 23.7% | 2.5% |
| 营收同比 | 13.8% | 52.2% |
| 净利润同比 | 13.0% | 100.8% |
| 每股收益（稀释后） | $2.71 | $0.10 |
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NTRSRKT
| Q1 26 | $2.2B | — | ||
| Q4 25 | $1.3B | $2.7B | ||
| Q3 25 | $1.3B | $1.6B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.2B | $1.0B | ||
| Q4 24 | $1.2B | $1.8B | ||
| Q3 24 | $1.2B | $646.9M | ||
| Q2 24 | $1.2B | $1.3B |
净利润NTRSRKT
| Q1 26 | $525.5M | — | ||
| Q4 25 | $466.0M | $68.0M | ||
| Q3 25 | $457.6M | $-123.9M | ||
| Q2 25 | $421.3M | $-1.8M | ||
| Q1 25 | $392.0M | $-10.4M | ||
| Q4 24 | $455.4M | $33.9M | ||
| Q3 24 | $464.9M | $-22.0M | ||
| Q2 24 | $896.1M | $1.3M |
毛利率NTRSRKT
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 58.9% | ||
| Q3 24 | — | -8.4% | ||
| Q2 24 | — | 47.4% |
营业利润率NTRSRKT
| Q1 26 | — | — | ||
| Q4 25 | 48.5% | 6.3% | ||
| Q3 25 | 49.0% | -11.5% | ||
| Q2 25 | 45.9% | 1.8% | ||
| Q1 25 | 43.0% | -21.5% | ||
| Q4 24 | 48.6% | 38.1% | ||
| Q3 24 | 50.2% | -76.9% | ||
| Q2 24 | — | 14.8% |
净利率NTRSRKT
| Q1 26 | 23.7% | — | ||
| Q4 25 | 35.6% | 2.5% | ||
| Q3 25 | 36.2% | -7.7% | ||
| Q2 25 | 34.2% | -0.1% | ||
| Q1 25 | 32.3% | -1.0% | ||
| Q4 24 | 37.3% | 1.9% | ||
| Q3 24 | 38.9% | -3.4% | ||
| Q2 24 | 76.8% | 0.1% |
每股收益（稀释后）NTRSRKT
| Q1 26 | $2.71 | — | ||
| Q4 25 | $2.42 | $0.10 | ||
| Q3 25 | $2.29 | $-0.06 | ||
| Q2 25 | $2.13 | $-0.01 | ||
| Q1 25 | $1.90 | $-0.08 | ||
| Q4 24 | $2.25 | $0.28 | ||
| Q3 24 | $2.22 | $-0.19 | ||
| Q2 24 | $4.34 | $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 | — | $2.7B |
| 总债务越低越好 | $2.9B | — |
| 股东权益账面价值 | $13.0B | $22.9B |
| 总资产 | $174.6B | $60.7B |
| 负债/权益比越低杠杆越低 | 0.22× | — |
8季度趋势，按日历期对齐
现金及短期投资NTRSRKT
| Q1 26 | — | — | ||
| Q4 25 | — | $2.7B | ||
| Q3 25 | — | $5.8B | ||
| Q2 25 | — | $5.1B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.3B |
总债务NTRSRKT
| Q1 26 | $2.9B | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益NTRSRKT
| Q1 26 | $13.0B | — | ||
| Q4 25 | $13.0B | $22.9B | ||
| Q3 25 | $13.0B | $8.9B | ||
| Q2 25 | $12.9B | $7.4B | ||
| Q1 25 | $12.9B | $8.6B | ||
| Q4 24 | $12.8B | $9.0B | ||
| Q3 24 | $12.7B | $8.4B | ||
| Q2 24 | $12.7B | $8.8B |
总资产NTRSRKT
| Q1 26 | $174.6B | — | ||
| Q4 25 | $177.1B | $60.7B | ||
| Q3 25 | $170.3B | $33.6B | ||
| Q2 25 | $171.9B | $30.4B | ||
| Q1 25 | $165.1B | $25.3B | ||
| Q4 24 | $155.5B | $24.5B | ||
| Q3 24 | $155.8B | $25.1B | ||
| Q2 24 | $156.8B | $23.6B |
负债/权益比NTRSRKT
| Q1 26 | 0.22× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $-1.2B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.3B |
| 自由现金流率自由现金流/营收 | — | -47.2% |
| 资本支出强度资本支出/营收 | — | 1.5% |
| 现金转化率经营现金流/净利润 | — | -18.08× |
| 过去12个月自由现金流最近4个季度 | — | $-4.0B |
8季度趋势，按日历期对齐
经营现金流NTRSRKT
| Q1 26 | — | — | ||
| Q4 25 | $388.4M | $-1.2B | ||
| Q3 25 | $525.8M | $-50.3M | ||
| Q2 25 | $1.9B | $-1.9B | ||
| Q1 25 | $2.7B | $-797.0M | ||
| Q4 24 | $-2.6B | $1.8B | ||
| Q3 24 | $611.1M | $-1.3B | ||
| Q2 24 | $3.0B | $-122.3M |
自由现金流NTRSRKT
| Q1 26 | — | — | ||
| Q4 25 | $355.6M | $-1.3B | ||
| Q3 25 | $509.4M | $-71.8M | ||
| Q2 25 | $1.9B | $-1.9B | ||
| Q1 25 | $2.7B | $-811.0M | ||
| Q4 24 | $-2.7B | $1.8B | ||
| Q3 24 | $585.4M | $-1.4B | ||
| Q2 24 | $3.0B | $-138.3M |
自由现金流率NTRSRKT
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | -47.2% | ||
| Q3 25 | 40.3% | -4.5% | ||
| Q2 25 | 150.8% | -137.2% | ||
| Q1 25 | 225.5% | -78.2% | ||
| Q4 24 | -218.9% | 103.1% | ||
| Q3 24 | 48.9% | -209.6% | ||
| Q2 24 | 254.7% | -10.6% |
资本支出强度NTRSRKT
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 1.5% | ||
| Q3 25 | 1.3% | 1.3% | ||
| Q2 25 | 1.0% | 1.1% | ||
| Q1 25 | 1.0% | 1.4% | ||
| Q4 24 | 3.3% | 1.1% | ||
| Q3 24 | 2.1% | 2.9% | ||
| Q2 24 | 1.8% | 1.2% |
现金转化率NTRSRKT
| Q1 26 | — | — | ||
| Q4 25 | 0.83× | -18.08× | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 4.44× | — | ||
| Q1 25 | 7.01× | — | ||
| Q4 24 | -5.79× | 54.42× | ||
| Q3 24 | 1.31× | — | ||
| Q2 24 | 3.34× | -94.46× |
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
NTRS
| Trust, Investment and Other Servicing Fees | $1.3B | 61% |
| Other | $871.8M | 39% |
RKT
| Other | $1.4B | 51% |
| Direct To Customer Segment | $945.8M | 35% |
| Partner Network Segment | $216.7M | 8% |
| Subscription Revenue | $91.3M | 3% |
| Closing Fees | $47.1M | 2% |
| Appraisal Revenue | $10.7M | 0% |
