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Roadzen Inc.（RDZN）与Rocky Mountain Chocolate Factory, Inc.（RMCF）财务数据对比。点击上方公司名可切换其他公司
Roadzen Inc.的季度营收约是Rocky Mountain Chocolate Factory, Inc.的1.9倍（$14.4M vs $7.5M），Rocky Mountain Chocolate Factory, Inc.净利率更高（-2.1% vs -63.7%，领先61.7%），Roadzen Inc.同比增速更快（18.8% vs -4.4%），过去两年Roadzen Inc.的营收复合增速更高（19.8% vs 1.9%）
Roadzen Inc是一家全球化保险科技企业，主打AI驱动的车险、出行风险管理及联网车辆服务，客户覆盖保险公司、车队运营商及汽车行业企业，业务遍及北美、欧洲、亚洲市场，致力于优化保险运营流程、降低风险成本并提升用户体验。
落基山巧克力厂是美国知名巧克力企业，同时开展国际特许经营业务，集糖果生产与零售运营于一体，总部位于美国科罗拉多州杜兰戈，除美国本土门店外，在巴拿马、菲律宾也设有经营网点。
RDZN vs RMCF — 直观对比
营收规模更大
RDZN
是对方的1.9倍
$7.5M
营收增速更快
RDZN
高出23.2%
-4.4%
净利率更高
RMCF
高出61.7%
-63.7%
两年增速更快
RDZN
近两年复合增速
1.9%
损益表 — Q3 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $14.4M | $7.5M |
| 净利润 | $-9.1M | $-155.0K |
| 毛利率 | 63.7% | 34.0% |
| 营业利润率 | -16.5% | 1.1% |
| 净利率 | -63.7% | -2.1% |
| 营收同比 | 18.8% | -4.4% |
| 净利润同比 | -263.4% | 81.7% |
| 每股收益（稀释后） | $-0.12 | $-0.02 |
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RDZNRMCF
| Q4 25 | $14.4M | $7.5M | ||
| Q3 25 | $13.7M | $6.8M | ||
| Q2 25 | $10.9M | $6.4M | ||
| Q1 25 | $11.4M | $8.9M | ||
| Q4 24 | $12.1M | $7.9M | ||
| Q3 24 | $11.9M | $6.4M | ||
| Q2 24 | $8.9M | $6.4M | ||
| Q1 24 | $10.0M | $7.3M |
净利润RDZNRMCF
| Q4 25 | $-9.1M | $-155.0K | ||
| Q3 25 | $-2.1M | $-662.0K | ||
| Q2 25 | $-4.0M | $-324.0K | ||
| Q1 25 | $-135.7K | $-2.9M | ||
| Q4 24 | $-2.5M | $-847.0K | ||
| Q3 24 | $-21.8M | $-722.0K | ||
| Q2 24 | $-48.4M | $-1.7M | ||
| Q1 24 | $-34.0M | $-1.6M |
毛利率RDZNRMCF
| Q4 25 | 63.7% | 34.0% | ||
| Q3 25 | 55.7% | 23.6% | ||
| Q2 25 | 58.9% | 31.1% | ||
| Q1 25 | 65.7% | 10.8% | ||
| Q4 24 | 64.6% | 23.4% | ||
| Q3 24 | 56.1% | 31.8% | ||
| Q2 24 | 39.2% | 12.8% | ||
| Q1 24 | 73.4% | 24.3% |
营业利润率RDZNRMCF
| Q4 25 | -16.5% | 1.1% | ||
| Q3 25 | -24.4% | -7.0% | ||
| Q2 25 | -23.2% | -2.3% | ||
| Q1 25 | -32.5% | -30.3% | ||
| Q4 24 | -26.2% | -8.9% | ||
| Q3 24 | -198.3% | -14.3% | ||
| Q2 24 | -340.3% | -25.4% | ||
| Q1 24 | -349.1% | -21.7% |
净利率RDZNRMCF
| Q4 25 | -63.7% | -2.1% | ||
| Q3 25 | -15.4% | -9.7% | ||
| Q2 25 | -36.9% | -5.1% | ||
| Q1 25 | -1.2% | -32.5% | ||
| Q4 24 | -20.8% | -10.7% | ||
| Q3 24 | -183.7% | -11.3% | ||
| Q2 24 | -542.0% | -25.9% | ||
| Q1 24 | -339.7% | -21.9% |
每股收益（稀释后）RDZNRMCF
| Q4 25 | $-0.12 | $-0.02 | ||
| Q3 25 | $-0.03 | $-0.09 | ||
| Q2 25 | $-0.05 | $-0.04 | ||
| Q1 25 | $0.03 | $-0.38 | ||
| Q4 24 | $-0.04 | $-0.11 | ||
| Q3 24 | $-0.32 | $-0.11 | ||
| Q2 24 | $-0.71 | $-0.26 | ||
| Q1 24 | $6.32 | $-0.25 |
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 | $5.1M | $641.0K |
| 总债务越低越好 | $4.8M | — |
| 股东权益账面价值 | $-26.6M | $6.0M |
| 总资产 | $44.9M | $20.7M |
| 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RDZNRMCF
| Q4 25 | $5.1M | $641.0K | ||
| Q3 25 | $5.0M | $2.0M | ||
| Q2 25 | $3.1M | $893.0K | ||
| Q1 25 | $4.8M | $720.0K | ||
| Q4 24 | $5.8M | $1.1M | ||
| Q3 24 | $6.0M | $973.0K | ||
| Q2 24 | $7.8M | $637.0K | ||
| Q1 24 | $11.2M | $2.1M |
总债务RDZNRMCF
| Q4 25 | $4.8M | — | ||
| Q3 25 | $4.8M | — | ||
| Q2 25 | $150.3K | — | ||
| Q1 25 | $139.8K | — | ||
| Q4 24 | $117.1K | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $1.4M | — | ||
| Q1 24 | $1.5M | — |
股东权益RDZNRMCF
| Q4 25 | $-26.6M | $6.0M | ||
| Q3 25 | $-28.0M | $6.1M | ||
| Q2 25 | $-28.1M | $6.7M | ||
| Q1 25 | $-25.1M | $7.0M | ||
| Q4 24 | $-29.2M | $9.8M | ||
| Q3 24 | $-33.1M | $10.5M | ||
| Q2 24 | $-32.5M | $9.0M | ||
| Q1 24 | $-10.1M | $10.6M |
总资产RDZNRMCF
| Q4 25 | $44.9M | $20.7M | ||
| Q3 25 | $41.5M | $22.3M | ||
| Q2 25 | $33.0M | $20.1M | ||
| Q1 25 | $32.6M | $21.2M | ||
| Q4 24 | $32.0M | $21.6M | ||
| Q3 24 | $29.1M | $21.1M | ||
| Q2 24 | $34.1M | $19.0M | ||
| Q1 24 | $58.1M | $20.6M |
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 | $-7.5M | $-1.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.3M |
| 自由现金流率自由现金流/营收 | — | -16.9% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流RDZNRMCF
| Q4 25 | $-7.5M | $-1.2M | ||
| Q3 25 | $-6.1M | $-488.0K | ||
| Q2 25 | $-2.9M | $350.0K | ||
| Q1 25 | $-18.1M | $1.2M | ||
| Q4 24 | $-3.2M | $-2.1M | ||
| Q3 24 | $-5.6M | $-3.5M | ||
| Q2 24 | $-5.7M | $-2.2M | ||
| Q1 24 | $-19.2M | $129.0K |
自由现金流RDZNRMCF
| Q4 25 | — | $-1.3M | ||
| Q3 25 | — | $-544.0K | ||
| Q2 25 | — | $182.0K | ||
| Q1 25 | $-18.6M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $-4.6M | ||
| Q2 24 | — | $-2.6M | ||
| Q1 24 | $-19.7M | $-352.3K |
自由现金流率RDZNRMCF
| Q4 25 | — | -16.9% | ||
| Q3 25 | — | -8.0% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | -162.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -72.6% | ||
| Q2 24 | — | -40.2% | ||
| Q1 24 | -196.7% | -4.9% |
资本支出强度RDZNRMCF
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | 3.7% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 17.5% | ||
| Q2 24 | — | 6.5% | ||
| Q1 24 | 4.6% | 6.6% |
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
RDZN
| Insurance Service | $8.0M | 56% |
| Commision And Distrubution Service | $6.4M | 44% |
RMCF
| Manufacturing | $5.9M | 78% |
| Transferred At Point In Time | $1.2M | 16% |
| Other | $414.0K | 5% |
