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Rocket Companies, Inc.（RKT）与U-Haul Holding Co（UHAL）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U-Haul Holding Co的1.9倍（$2.7B vs $1.4B），U-Haul Holding Co净利率更高（2.6% vs 2.5%，领先0.1%），Rocket Companies, Inc.同比增速更快（52.2% vs 1.9%），U-Haul Holding Co自由现金流更多（$-447.6M vs $-1.3B）
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。
U-Haul控股公司是总部位于美国亚利桑那州凤凰城的移动货车、拖车及自助仓储租赁企业，1945年由伦纳德·肖恩与安娜·玛丽·卡蒂在华盛顿州里奇菲尔德创立，最初起步于卡蒂家族的车库，后通过加油站加盟模式扩张，业务覆盖美国全部50个州及加拿大10个省份。
RKT vs UHAL — 直观对比
营收规模更大
RKT
是对方的1.9倍
$1.4B
营收增速更快
RKT
高出50.2%
1.9%
净利率更高
UHAL
高出0.1%
2.5%
自由现金流更多
UHAL
多$822.0M
$-1.3B
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.7B | $1.4B |
| 净利润 | $68.0M | $37.0M |
| 毛利率 | — | 96.4% |
| 营业利润率 | 6.3% | 2.4% |
| 净利率 | 2.5% | 2.6% |
| 营收同比 | 52.2% | 1.9% |
| 净利润同比 | 100.8% | -45.0% |
| 每股收益（稀释后） | $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RKTUHAL
| Q4 25 | $2.7B | $1.4B | ||
| Q3 25 | $1.6B | $1.7B | ||
| Q2 25 | $1.4B | $232.1M | ||
| Q1 25 | $1.0B | — | ||
| Q4 24 | $1.8B | — | ||
| Q3 24 | $646.9M | — | ||
| Q2 24 | $1.3B | — | ||
| Q1 24 | $1.4B | — |
净利润RKTUHAL
| Q4 25 | $68.0M | $37.0M | ||
| Q3 25 | $-123.9M | $105.5M | ||
| Q2 25 | $-1.8M | $142.3M | ||
| Q1 25 | $-10.4M | — | ||
| Q4 24 | $33.9M | — | ||
| Q3 24 | $-22.0M | — | ||
| Q2 24 | $1.3M | — | ||
| Q1 24 | $16.2M | — |
毛利率RKTUHAL
| Q4 25 | — | 96.4% | ||
| Q3 25 | — | 96.1% | ||
| Q2 25 | — | 68.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | 58.9% | — | ||
| Q3 24 | -8.4% | — | ||
| Q2 24 | 47.4% | — | ||
| Q1 24 | 51.2% | — |
营业利润率RKTUHAL
| Q4 25 | 6.3% | 2.4% | ||
| Q3 25 | -11.5% | 12.7% | ||
| Q2 25 | 1.8% | — | ||
| Q1 25 | -21.5% | — | ||
| Q4 24 | 38.1% | — | ||
| Q3 24 | -76.9% | — | ||
| Q2 24 | 14.8% | — | ||
| Q1 24 | 21.6% | — |
净利率RKTUHAL
| Q4 25 | 2.5% | 2.6% | ||
| Q3 25 | -7.7% | 6.1% | ||
| Q2 25 | -0.1% | 61.3% | ||
| Q1 25 | -1.0% | — | ||
| Q4 24 | 1.9% | — | ||
| Q3 24 | -3.4% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 1.2% | — |
每股收益（稀释后）RKTUHAL
| Q4 25 | $0.10 | — | ||
| Q3 25 | $-0.06 | — | ||
| Q2 25 | $-0.01 | — | ||
| Q1 25 | $-0.08 | — | ||
| Q4 24 | $0.28 | — | ||
| Q3 24 | $-0.19 | — | ||
| Q2 24 | $0.01 | — | ||
| Q1 24 | $0.11 | — |
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 | $1.0B |
| 总债务越低越好 | — | $8.1B |
| 股东权益账面价值 | $22.9B | $7.7B |
| 总资产 | $60.7B | $21.6B |
| 负债/权益比越低杠杆越低 | — | 1.04× |
8季度趋势，按日历期对齐
现金及短期投资RKTUHAL
| Q4 25 | $2.7B | $1.0B | ||
| Q3 25 | $5.8B | $1.1B | ||
| Q2 25 | $5.1B | $877.2M | ||
| Q1 25 | $1.4B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.3B | — | ||
| Q1 24 | $861.4M | — |
总债务RKTUHAL
| Q4 25 | — | $8.1B | ||
| Q3 25 | — | $7.7B | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益RKTUHAL
| Q4 25 | $22.9B | $7.7B | ||
| Q3 25 | $8.9B | $7.8B | ||
| Q2 25 | $7.4B | $7.7B | ||
| Q1 25 | $8.6B | — | ||
| Q4 24 | $9.0B | — | ||
| Q3 24 | $8.4B | — | ||
| Q2 24 | $8.8B | — | ||
| Q1 24 | $8.6B | — |
总资产RKTUHAL
| Q4 25 | $60.7B | $21.6B | ||
| Q3 25 | $33.6B | $21.4B | ||
| Q2 25 | $30.4B | $20.8B | ||
| Q1 25 | $25.3B | — | ||
| Q4 24 | $24.5B | — | ||
| Q3 24 | $25.1B | — | ||
| Q2 24 | $23.6B | — | ||
| Q1 24 | $22.2B | — |
负债/权益比RKTUHAL
| Q4 25 | — | 1.04× | ||
| Q3 25 | — | 1.00× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $240.6M |
| 自由现金流经营现金流 - 资本支出 | $-1.3B | $-447.6M |
| 自由现金流率自由现金流/营收 | -47.2% | -31.6% |
| 资本支出强度资本支出/营收 | 1.5% | 48.6% |
| 现金转化率经营现金流/净利润 | -18.08× | 6.51× |
| 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RKTUHAL
| Q4 25 | $-1.2B | $240.6M | ||
| Q3 25 | $-50.3M | $551.6M | ||
| Q2 25 | $-1.9B | $598.4M | ||
| Q1 25 | $-797.0M | — | ||
| Q4 24 | $1.8B | — | ||
| Q3 24 | $-1.3B | — | ||
| Q2 24 | $-122.3M | — | ||
| Q1 24 | $-3.0B | — |
自由现金流RKTUHAL
| Q4 25 | $-1.3B | $-447.6M | ||
| Q3 25 | $-71.8M | $-446.3M | ||
| Q2 25 | $-1.9B | $-318.2M | ||
| Q1 25 | $-811.0M | — | ||
| Q4 24 | $1.8B | — | ||
| Q3 24 | $-1.4B | — | ||
| Q2 24 | $-138.3M | — | ||
| Q1 24 | $-3.0B | — |
自由现金流率RKTUHAL
| Q4 25 | -47.2% | -31.6% | ||
| Q3 25 | -4.5% | -25.9% | ||
| Q2 25 | -137.2% | -137.1% | ||
| Q1 25 | -78.2% | — | ||
| Q4 24 | 103.1% | — | ||
| Q3 24 | -209.6% | — | ||
| Q2 24 | -10.6% | — | ||
| Q1 24 | -218.7% | — |
资本支出强度RKTUHAL
| Q4 25 | 1.5% | 48.6% | ||
| Q3 25 | 1.3% | 58.0% | ||
| Q2 25 | 1.1% | 395.0% | ||
| Q1 25 | 1.4% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.9% | — | ||
| Q2 24 | 1.2% | — | ||
| Q1 24 | 1.0% | — |
现金转化率RKTUHAL
| Q4 25 | -18.08× | 6.51× | ||
| Q3 25 | — | 5.23× | ||
| Q2 25 | — | 4.20× | ||
| Q1 25 | — | — | ||
| Q4 24 | 54.42× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | -94.46× | — | ||
| Q1 24 | -185.80× | — |
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
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% |
UHAL
| Long Term Contract With Customer | $1.2B | 82% |
| CA | $74.0M | 5% |
| Life Insurance | $56.2M | 4% |
| Accident And Health Insurance Segment | $49.8M | 4% |
| Investments Segment | $47.3M | 3% |
| Property And Casualty Insurance | $42.5M | 3% |
| Mercury | $1.6M | 0% |
