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OptimumBank Holdings, Inc.（OPHC）与Rent the Runway, Inc.（RENT）财务数据对比。点击上方公司名可切换其他公司
OptimumBank Holdings, Inc.的季度营收约是Rent the Runway, Inc.的1.3倍（$13.6M vs $10.6M），Rent the Runway, Inc.净利率更高（721.7% vs 35.7%，领先686.0%），OptimumBank Holdings, Inc.同比增速更快（32.0% vs 10.4%），过去两年OptimumBank Holdings, Inc.的营收复合增速更高（23.0% vs 1.0%）
OptimumBank Holdings, Inc.是总部位于美国佛罗里达州的银行控股企业，旗下运营社区银行OptimumBank，面向佛罗里达州南部的个人消费者与中小企业，提供存款、各类贷款、财富管理等综合银行服务。
Rent the Runway Inc.是总部位于纽约的美国电商平台，由珍妮弗·海曼与珍妮弗·弗莱斯于2009年11月创立，主打设计师品牌服饰与配饰的租赁、订阅以及购买服务，是设计师服饰共享租赁模式的开创平台之一。
OPHC vs RENT — 直观对比
营收规模更大
OPHC
是对方的1.3倍
$10.6M
营收增速更快
OPHC
高出21.6%
10.4%
净利率更高
RENT
高出686.0%
35.7%
两年增速更快
OPHC
近两年复合增速
1.0%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $13.6M | $10.6M |
| 净利润 | $4.9M | $76.5M |
| 毛利率 | — | -126.4% |
| 营业利润率 | 47.5% | -152.8% |
| 净利率 | 35.7% | 721.7% |
| 营收同比 | 32.0% | 10.4% |
| 净利润同比 | 22.9% | 504.8% |
| 每股收益（稀释后） | $-0.08 | $13.65 |
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OPHCRENT
| Q4 25 | $13.6M | $10.6M | ||
| Q3 25 | $13.0M | $11.7M | ||
| Q2 25 | $12.1M | $7.6M | ||
| Q1 25 | $10.7M | $11.8M | ||
| Q4 24 | $10.3M | $9.6M | ||
| Q3 24 | $10.1M | $10.4M | ||
| Q2 24 | $9.9M | $8.9M | ||
| Q1 24 | $9.0M | $10.4M |
净利润OPHCRENT
| Q4 25 | $4.9M | $76.5M | ||
| Q3 25 | $4.3M | $-26.4M | ||
| Q2 25 | $3.6M | $-26.1M | ||
| Q1 25 | $3.9M | $-13.4M | ||
| Q4 24 | $3.9M | $-18.9M | ||
| Q3 24 | $3.3M | $-15.6M | ||
| Q2 24 | $3.5M | $-22.0M | ||
| Q1 24 | $2.4M | $-24.8M |
毛利率OPHCRENT
| Q4 25 | — | -126.4% | ||
| Q3 25 | — | -92.3% | ||
| Q2 25 | — | -168.4% | ||
| Q1 25 | — | -71.2% | ||
| Q4 24 | — | -122.9% | ||
| Q3 24 | — | -98.1% | ||
| Q2 24 | — | -131.5% | ||
| Q1 24 | — | -93.3% |
营业利润率OPHCRENT
| Q4 25 | 47.5% | -152.8% | ||
| Q3 25 | 43.5% | -171.8% | ||
| Q2 25 | 40.2% | -259.2% | ||
| Q1 25 | 48.8% | -65.3% | ||
| Q4 24 | 51.5% | -142.7% | ||
| Q3 24 | 44.0% | -92.3% | ||
| Q2 24 | 46.9% | -185.4% | ||
| Q1 24 | 35.9% | -185.6% |
净利率OPHCRENT
| Q4 25 | 35.7% | 721.7% | ||
| Q3 25 | 33.2% | -225.6% | ||
| Q2 25 | 29.8% | -343.4% | ||
| Q1 25 | 36.3% | -113.6% | ||
| Q4 24 | 38.3% | -196.9% | ||
| Q3 24 | 32.8% | -150.0% | ||
| Q2 24 | 35.2% | -247.2% | ||
| Q1 24 | 26.4% | -238.5% |
每股收益（稀释后）OPHCRENT
| Q4 25 | $-0.08 | $13.65 | ||
| Q3 25 | $0.18 | $-6.55 | ||
| Q2 25 | $0.29 | $-6.58 | ||
| Q1 25 | $0.32 | $-2.72 | ||
| Q4 24 | $-0.17 | $-4.70 | ||
| Q3 24 | $0.15 | $-4.17 | ||
| Q2 24 | $0.34 | $-6.03 | ||
| Q1 24 | $0.31 | $-5.36 |
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 | — | $50.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $121.9M | $-35.1M |
| 总资产 | $1.1B | $231.0M |
| 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OPHCRENT
| Q4 25 | — | $50.7M | ||
| Q3 25 | — | $43.6M | ||
| Q2 25 | — | $70.4M | ||
| Q1 25 | — | $77.4M | ||
| Q4 24 | — | $74.1M | ||
| Q3 24 | — | $76.6M | ||
| Q2 24 | — | $82.0M | ||
| Q1 24 | — | $84.0M |
总债务OPHCRENT
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $340.6M | ||
| Q1 25 | — | $333.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益OPHCRENT
| Q4 25 | $121.9M | $-35.1M | ||
| Q3 25 | $116.9M | $-232.1M | ||
| Q2 25 | $111.3M | $-207.1M | ||
| Q1 25 | $108.0M | $-182.5M | ||
| Q4 24 | $103.2M | $-171.2M | ||
| Q3 24 | $92.7M | $-154.5M | ||
| Q2 24 | $87.0M | $-141.3M | ||
| Q1 24 | $83.0M | $-122.3M |
总资产OPHCRENT
| Q4 25 | $1.1B | $231.0M | ||
| Q3 25 | $1.1B | $219.0M | ||
| Q2 25 | $999.1M | $245.3M | ||
| Q1 25 | $977.5M | $240.0M | ||
| Q4 24 | $932.9M | $251.6M | ||
| Q3 24 | $945.2M | $257.4M | ||
| Q2 24 | $899.8M | $278.4M | ||
| Q1 24 | $940.6M | $278.5M |
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 | $17.8M | $-1.4M |
| 自由现金流经营现金流 - 资本支出 | $16.9M | — |
| 自由现金流率自由现金流/营收 | 124.6% | — |
| 资本支出强度资本支出/营收 | 6.6% | — |
| 现金转化率经营现金流/净利润 | 3.68× | -0.02× |
| 过去12个月自由现金流最近4个季度 | $27.6M | — |
8季度趋势，按日历期对齐
经营现金流OPHCRENT
| Q4 25 | $17.8M | $-1.4M | ||
| Q3 25 | $1.9M | $-10.5M | ||
| Q2 25 | $6.2M | $8.3M | ||
| Q1 25 | $3.1M | $1.4M | ||
| Q4 24 | $15.6M | $4.7M | ||
| Q3 24 | $4.0M | $2.2M | ||
| Q2 24 | $3.1M | $4.6M | ||
| Q1 24 | $2.5M | $-8.0M |
自由现金流OPHCRENT
| Q4 25 | $16.9M | — | ||
| Q3 25 | $1.9M | — | ||
| Q2 25 | $5.9M | — | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $14.6M | — | ||
| Q3 24 | $3.9M | — | ||
| Q2 24 | $2.7M | — | ||
| Q1 24 | $2.3M | — |
自由现金流率OPHCRENT
| Q4 25 | 124.6% | — | ||
| Q3 25 | 14.7% | — | ||
| Q2 25 | 48.5% | — | ||
| Q1 25 | 26.8% | — | ||
| Q4 24 | 141.9% | — | ||
| Q3 24 | 38.3% | — | ||
| Q2 24 | 27.5% | — | ||
| Q1 24 | 25.4% | — |
资本支出强度OPHCRENT
| Q4 25 | 6.6% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 2.5% | — | ||
| Q1 25 | 2.7% | — | ||
| Q4 24 | 9.6% | — | ||
| Q3 24 | 1.5% | — | ||
| Q2 24 | 3.6% | — | ||
| Q1 24 | 2.9% | — |
现金转化率OPHCRENT
| Q4 25 | 3.68× | -0.02× | ||
| Q3 25 | 0.44× | — | ||
| Q2 25 | 1.71× | — | ||
| Q1 25 | 0.81× | — | ||
| Q4 24 | 3.95× | — | ||
| Q3 24 | 1.21× | — | ||
| Q2 24 | 0.89× | — | ||
| Q1 24 | 1.07× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
