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NETSOL TECHNOLOGIES INC（NTWK）与RIVERVIEW BANCORP INC（RVSB）财务数据对比。点击上方公司名可切换其他公司
NETSOL TECHNOLOGIES INC的季度营收约是RIVERVIEW BANCORP INC的1.3倍（$18.8M vs $14.0M），RIVERVIEW BANCORP INC净利率更高（9.8% vs 1.3%，领先8.5%），NETSOL TECHNOLOGIES INC同比增速更快（21.1% vs 10.4%），RIVERVIEW BANCORP INC自由现金流更多（$-736.0K vs $-5.1M），过去两年RIVERVIEW BANCORP INC的营收复合增速更高（24.6% vs 10.3%）
NETSOL科技公司是一家总部位于加利福尼亚州恩西诺的美国软件企业，核心业务为开发汽车租赁领域相关软件产品，为汽车租赁行业提供专业的数字化技术支持。
Riverview Bancorp Inc.是一家总部位于美国的银行控股公司，主营个人与商业银行业务，服务覆盖太平洋西北地区，提供存款、消费贷款、住房抵押贷款、商业信贷及小企业金融等产品，服务零售客户与本地企业群体。
NTWK vs RVSB — 直观对比
营收规模更大
NTWK
是对方的1.3倍
$14.0M
营收增速更快
NTWK
高出10.7%
10.4%
净利率更高
RVSB
高出8.5%
1.3%
自由现金流更多
RVSB
多$4.4M
$-5.1M
两年增速更快
RVSB
近两年复合增速
10.3%
损益表 — Q2 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $18.8M | $14.0M |
| 净利润 | $246.8K | $1.4M |
| 毛利率 | 48.0% | — |
| 营业利润率 | 6.9% | 12.4% |
| 净利率 | 1.3% | 9.8% |
| 营收同比 | 21.1% | 10.4% |
| 净利润同比 | 121.5% | 11.8% |
| 每股收益（稀释后） | $0.02 | $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NTWKRVSB
| Q4 25 | $18.8M | $14.0M | ||
| Q3 25 | $15.0M | $13.6M | ||
| Q2 25 | $18.4M | $13.3M | ||
| Q1 25 | $17.5M | $12.9M | ||
| Q4 24 | $15.5M | $12.7M | ||
| Q3 24 | $14.6M | $12.8M | ||
| Q2 24 | $16.4M | $12.2M | ||
| Q1 24 | $15.5M | $9.0M |
净利润NTWKRVSB
| Q4 25 | $246.8K | $1.4M | ||
| Q3 25 | $-2.4M | $1.1M | ||
| Q2 25 | $2.6M | $1.2M | ||
| Q1 25 | $1.4M | $1.1M | ||
| Q4 24 | $-1.1M | $1.2M | ||
| Q3 24 | $70.8K | $1.6M | ||
| Q2 24 | $-82.9K | $966.0K | ||
| Q1 24 | $327.5K | $-3.0M |
毛利率NTWKRVSB
| Q4 25 | 48.0% | — | ||
| Q3 25 | 39.4% | — | ||
| Q2 25 | 56.2% | — | ||
| Q1 25 | 49.8% | — | ||
| Q4 24 | 44.5% | — | ||
| Q3 24 | 45.0% | — | ||
| Q2 24 | 51.5% | — | ||
| Q1 24 | 48.3% | — |
营业利润率NTWKRVSB
| Q4 25 | 6.9% | 12.4% | ||
| Q3 25 | -12.2% | 10.2% | ||
| Q2 25 | 17.4% | 11.7% | ||
| Q1 25 | 8.9% | 11.3% | ||
| Q4 24 | -3.1% | 12.4% | ||
| Q3 24 | -5.2% | 15.5% | ||
| Q2 24 | 4.9% | 10.0% | ||
| Q1 24 | 8.5% | -47.5% |
净利率NTWKRVSB
| Q4 25 | 1.3% | 9.8% | ||
| Q3 25 | -15.7% | 8.1% | ||
| Q2 25 | 14.0% | 9.2% | ||
| Q1 25 | 8.1% | 8.9% | ||
| Q4 24 | -7.4% | 9.7% | ||
| Q3 24 | 0.5% | 12.2% | ||
| Q2 24 | -0.5% | 7.9% | ||
| Q1 24 | 2.1% | -34.7% |
每股收益（稀释后）NTWKRVSB
| Q4 25 | $0.02 | $0.07 | ||
| Q3 25 | $-0.20 | $0.05 | ||
| Q2 25 | $0.22 | $0.06 | ||
| Q1 25 | $0.12 | $0.05 | ||
| Q4 24 | $-0.10 | $0.06 | ||
| Q3 24 | $0.01 | $0.07 | ||
| Q2 24 | $-0.01 | $0.05 | ||
| Q1 24 | $0.03 | $-0.14 |
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 | $18.1M | $28.6M |
| 总债务越低越好 | $337.0K | — |
| 股东权益账面价值 | $35.9M | $164.2M |
| 总资产 | $62.7M | $1.5B |
| 负债/权益比越低杠杆越低 | 0.01× | — |
8季度趋势，按日历期对齐
现金及短期投资NTWKRVSB
| Q4 25 | $18.1M | $28.6M | ||
| Q3 25 | $22.7M | $32.8M | ||
| Q2 25 | $17.4M | $34.2M | ||
| Q1 25 | $18.8M | $29.4M | ||
| Q4 24 | $21.3M | $25.3M | ||
| Q3 24 | $24.5M | $31.0M | ||
| Q2 24 | $19.1M | $27.8M | ||
| Q1 24 | $12.3M | $23.6M |
总债务NTWKRVSB
| Q4 25 | $337.0K | — | ||
| Q3 25 | $218.2K | — | ||
| Q2 25 | $134.6K | — | ||
| Q1 25 | $86.8K | — | ||
| Q4 24 | $87.0K | — | ||
| Q3 24 | $92.6K | — | ||
| Q2 24 | $95.8K | — | ||
| Q1 24 | $130.4K | — |
股东权益NTWKRVSB
| Q4 25 | $35.9M | $164.2M | ||
| Q3 25 | $35.8M | $163.5M | ||
| Q2 25 | $37.8M | $162.0M | ||
| Q1 25 | $35.5M | $160.0M | ||
| Q4 24 | $33.9M | $158.3M | ||
| Q3 24 | $34.7M | $160.8M | ||
| Q2 24 | $34.8M | $155.9M | ||
| Q1 24 | $35.3M | $155.6M |
总资产NTWKRVSB
| Q4 25 | $62.7M | $1.5B | ||
| Q3 25 | $62.6M | $1.5B | ||
| Q2 25 | $62.4M | $1.5B | ||
| Q1 25 | $58.1M | $1.5B | ||
| Q4 24 | $59.1M | $1.5B | ||
| Q3 24 | $62.8M | $1.5B | ||
| Q2 24 | $64.2M | $1.5B | ||
| Q1 24 | $63.3M | $1.5B |
负债/权益比NTWKRVSB
| Q4 25 | 0.01× | — | ||
| Q3 25 | 0.01× | — | ||
| 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 | $-4.7M | $-506.0K |
| 自由现金流经营现金流 - 资本支出 | $-5.1M | $-736.0K |
| 自由现金流率自由现金流/营收 | -27.2% | -5.2% |
| 资本支出强度资本支出/营收 | 2.0% | 1.6% |
| 现金转化率经营现金流/净利润 | -19.24× | -0.37× |
| 过去12个月自由现金流最近4个季度 | $-1.0M | $20.4M |
8季度趋势，按日历期对齐
经营现金流NTWKRVSB
| Q4 25 | $-4.7M | $-506.0K | ||
| Q3 25 | $5.3M | $16.8M | ||
| Q2 25 | $441.0K | $-697.0K | ||
| Q1 25 | $-363.4K | $8.3M | ||
| Q4 24 | $-5.1M | $2.2M | ||
| Q3 24 | $5.5M | $764.0K | ||
| Q2 24 | $6.5M | $5.4M | ||
| Q1 24 | $-4.2M | $12.8M |
自由现金流NTWKRVSB
| Q4 25 | $-5.1M | $-736.0K | ||
| Q3 25 | $4.8M | $16.4M | ||
| Q2 25 | $-44.1K | $-773.0K | ||
| Q1 25 | $-693.0K | $5.6M | ||
| Q4 24 | $-5.6M | $1.9M | ||
| Q3 24 | $5.4M | $-1.4M | ||
| Q2 24 | $6.1M | $5.3M | ||
| Q1 24 | $-4.6M | $7.1M |
自由现金流率NTWKRVSB
| Q4 25 | -27.2% | -5.2% | ||
| Q3 25 | 32.1% | 120.1% | ||
| Q2 25 | -0.2% | -5.8% | ||
| Q1 25 | -4.0% | 43.1% | ||
| Q4 24 | -36.1% | 15.0% | ||
| Q3 24 | 37.1% | -11.3% | ||
| Q2 24 | 37.0% | 43.7% | ||
| Q1 24 | -29.6% | 79.0% |
资本支出强度NTWKRVSB
| Q4 25 | 2.0% | 1.6% | ||
| Q3 25 | 3.2% | 2.9% | ||
| Q2 25 | 2.6% | 0.6% | ||
| Q1 25 | 1.9% | 21.0% | ||
| Q4 24 | 3.0% | 2.4% | ||
| Q3 24 | 0.7% | 17.3% | ||
| Q2 24 | 2.6% | 0.9% | ||
| Q1 24 | 2.4% | 62.0% |
现金转化率NTWKRVSB
| Q4 25 | -19.24× | -0.37× | ||
| Q3 25 | — | 15.25× | ||
| Q2 25 | 0.17× | -0.57× | ||
| Q1 25 | -0.26× | 7.20× | ||
| Q4 24 | — | 1.79× | ||
| Q3 24 | 77.94× | 0.49× | ||
| Q2 24 | — | 5.63× | ||
| Q1 24 | -12.84× | — |
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
NTWK
| Core Revenue | $18.0M | 96% |
| Other | $816.8K | 4% |
RVSB
暂无分部数据
