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RADIAN GROUP INC（RDN）与GIBRALTAR INDUSTRIES, INC.（ROCK）财务数据对比。点击上方公司名可切换其他公司
RADIAN GROUP INC的季度营收约是GIBRALTAR INDUSTRIES, INC.的1.3倍（$300.5M vs $225.0M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 2.7%），RADIAN GROUP INC自由现金流更多（$115.7M vs $26.2M），过去两年RADIAN GROUP INC的营收复合增速更高（-0.2% vs -12.3%）
瑞迪安集团（Radian Group Inc.）是一家专业的 mortgage 保险公司，业务涵盖抵押贷款保险、风险管控、房地产服务及产权服务等多个板块，为住房金融市场提供完善的配套服务支持，助力行业降低信贷相关风险。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
RDN vs ROCK — 直观对比
营收规模更大
RDN
是对方的1.3倍
$225.0M
营收增速更快
ROCK
高出22.3%
2.7%
自由现金流更多
RDN
多$89.4M
$26.2M
两年增速更快
RDN
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $300.5M | $225.0M |
| 净利润 | $154.8M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | 76.2% | 7.9% |
| 净利率 | 51.5% | — |
| 营收同比 | 2.7% | 24.9% |
| 净利润同比 | 4.4% | — |
| 每股收益（稀释后） | $1.11 | — |
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RDNROCK
| Q4 25 | $300.5M | $225.0M | ||
| Q3 25 | $303.2M | $310.9M | ||
| Q2 25 | $298.6M | $309.5M | ||
| Q1 25 | $294.8M | $290.0M | ||
| Q4 24 | $292.7M | $180.1M | ||
| Q3 24 | $313.4M | $277.1M | ||
| Q2 24 | $298.6M | $273.6M | ||
| Q1 24 | $301.7M | $292.5M |
净利润RDNROCK
| Q4 25 | $154.8M | — | ||
| Q3 25 | $141.4M | $-89.1M | ||
| Q2 25 | $141.8M | $26.0M | ||
| Q1 25 | $144.6M | $21.1M | ||
| Q4 24 | $148.3M | — | ||
| Q3 24 | $151.9M | $34.0M | ||
| Q2 24 | $151.9M | $32.2M | ||
| Q1 24 | $152.4M | $24.9M |
毛利率RDNROCK
| Q4 25 | — | 25.3% | ||
| Q3 25 | — | 26.6% | ||
| Q2 25 | 97.2% | 28.4% | ||
| Q1 25 | 97.0% | 26.8% | ||
| Q4 24 | 96.6% | 29.0% | ||
| Q3 24 | 97.0% | 29.4% | ||
| Q2 24 | 96.8% | 30.5% | ||
| Q1 24 | 96.9% | 28.9% |
营业利润率RDNROCK
| Q4 25 | 76.2% | 7.9% | ||
| Q3 25 | 65.5% | 12.8% | ||
| Q2 25 | 58.6% | 12.8% | ||
| Q1 25 | 63.9% | 8.8% | ||
| Q4 24 | 83.6% | 13.3% | ||
| Q3 24 | 68.4% | 15.6% | ||
| Q2 24 | 63.0% | 14.9% | ||
| Q1 24 | 65.8% | 10.8% |
净利率RDNROCK
| Q4 25 | 51.5% | — | ||
| Q3 25 | 46.7% | -28.6% | ||
| Q2 25 | 47.5% | 8.4% | ||
| Q1 25 | 49.0% | 7.3% | ||
| Q4 24 | 50.7% | — | ||
| Q3 24 | 48.5% | 12.3% | ||
| Q2 24 | 50.9% | 11.8% | ||
| Q1 24 | 50.5% | 8.5% |
每股收益（稀释后）RDNROCK
| Q4 25 | $1.11 | — | ||
| Q3 25 | $1.03 | $-2.98 | ||
| Q2 25 | $1.02 | $0.87 | ||
| Q1 25 | $0.98 | — | ||
| Q4 24 | $0.97 | — | ||
| Q3 24 | $0.99 | $1.11 | ||
| Q2 24 | $0.98 | $1.05 | ||
| Q1 24 | $0.98 | — |
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 | $24.8M | $115.7M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $4.8B | $950.4M |
| 总资产 | $8.1B | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资RDNROCK
| Q4 25 | $24.8M | $115.7M | ||
| Q3 25 | $15.3M | $89.4M | ||
| Q2 25 | $22.1M | $43.3M | ||
| Q1 25 | $24.2M | $25.1M | ||
| Q4 24 | $19.2M | $269.5M | ||
| Q3 24 | $28.1M | $228.9M | ||
| Q2 24 | $13.8M | $179.1M | ||
| Q1 24 | $27.0M | $146.7M |
总债务RDNROCK
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $0 |
股东权益RDNROCK
| Q4 25 | $4.8B | $950.4M | ||
| Q3 25 | $4.7B | $951.8M | ||
| Q2 25 | $4.5B | $1.0B | ||
| Q1 25 | $4.6B | $1.0B | ||
| Q4 24 | $4.6B | $1.0B | ||
| Q3 24 | $4.7B | $1.0B | ||
| Q2 24 | $4.5B | $975.7M | ||
| Q1 24 | $4.4B | $940.2M |
总资产RDNROCK
| Q4 25 | $8.1B | $1.4B | ||
| Q3 25 | $8.2B | $1.4B | ||
| Q2 25 | $9.6B | $1.5B | ||
| Q1 25 | $8.8B | $1.4B | ||
| Q4 24 | $8.7B | $1.4B | ||
| Q3 24 | $8.4B | $1.4B | ||
| Q2 24 | $8.1B | $1.4B | ||
| Q1 24 | $7.8B | $1.3B |
负债/权益比RDNROCK
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| 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 | $119.9M | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $115.7M | $26.2M |
| 自由现金流率自由现金流/营收 | 38.5% | 11.7% |
| 资本支出强度资本支出/营收 | 1.4% | 4.1% |
| 现金转化率经营现金流/净利润 | 0.77× | — |
| 过去12个月自由现金流最近4个季度 | $-174.8M | $120.6M |
8季度趋势，按日历期对齐
经营现金流RDNROCK
| Q4 25 | $119.9M | $35.5M | ||
| Q3 25 | $358.4M | $73.0M | ||
| Q2 25 | $-713.3M | $44.9M | ||
| Q1 25 | $67.8M | $13.7M | ||
| Q4 24 | $-663.6M | $19.9M | ||
| Q3 24 | $-237.9M | $64.7M | ||
| Q2 24 | $-207.3M | $36.5M | ||
| Q1 24 | $51.0M | $53.2M |
自由现金流RDNROCK
| Q4 25 | $115.7M | $26.2M | ||
| Q3 25 | $357.6M | $64.8M | ||
| Q2 25 | $-714.6M | $27.3M | ||
| Q1 25 | $66.6M | $2.3M | ||
| Q4 24 | $-665.1M | $14.1M | ||
| Q3 24 | $-239.2M | $60.5M | ||
| Q2 24 | $-208.3M | $33.5M | ||
| Q1 24 | $49.5M | $48.8M |
自由现金流率RDNROCK
| Q4 25 | 38.5% | 11.7% | ||
| Q3 25 | 117.9% | 20.8% | ||
| Q2 25 | -239.4% | 8.8% | ||
| Q1 25 | 22.6% | 0.8% | ||
| Q4 24 | -227.3% | 7.8% | ||
| Q3 24 | -76.3% | 21.8% | ||
| Q2 24 | -69.8% | 12.2% | ||
| Q1 24 | 16.4% | 16.7% |
资本支出强度RDNROCK
| Q4 25 | 1.4% | 4.1% | ||
| Q3 25 | 0.3% | 2.6% | ||
| Q2 25 | 0.4% | 5.7% | ||
| Q1 25 | 0.4% | 3.9% | ||
| Q4 24 | 0.5% | 3.3% | ||
| Q3 24 | 0.4% | 1.5% | ||
| Q2 24 | 0.4% | 1.1% | ||
| Q1 24 | 0.5% | 1.5% |
现金转化率RDNROCK
| Q4 25 | 0.77× | — | ||
| Q3 25 | 2.53× | — | ||
| Q2 25 | -5.03× | 1.73× | ||
| Q1 25 | 0.47× | 0.65× | ||
| Q4 24 | -4.47× | — | ||
| Q3 24 | -1.57× | 1.90× | ||
| Q2 24 | -1.36× | 1.13× | ||
| Q1 24 | 0.34× | 2.13× |
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
RDN
暂无分部数据
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
