vs
M/I HOMES, INC.（MHO）とHANOVER INSURANCE GROUP, INC.（THG）の財務データ比較。上の社名をクリックして会社を切り替えられます
HANOVER INSURANCE GROUP, INC.の直近四半期売上が大きい（$1.7B vs $1.1B、M/I HOMES, INC.の約1.5倍）。HANOVER INSURANCE GROUP, INC.の純利益率が高く（11.9% vs 5.6%、差は6.3%）。HANOVER INSURANCE GROUP, INC.の前年同期比売上増加率が高い（5.5% vs -4.8%）。HANOVER INSURANCE GROUP, INC.の直近四半期フリーキャッシュフローが多い（$377.0M vs $-13.0M）。過去8四半期でM/I HOMES, INC.の売上複合成長率が高い（4.7% vs 3.8%）
M/Iホームズ社は米国有数の住宅建設企業で、一戸建て住宅、タウンハウス、二世帯住宅の設計・施工・販売を手がけ、米国複数州で事業を展開しています。初回購入層、住み替え層、高級住宅購入層を主な顧客とし、省エネ設計や個別要望に応じたカスタマイズオプションを提供しています。
ハノーバー保険グループは米国マサチューセッツ州ウースターに本社を置く保険会社です。1852年に損害保険会社として設立され、原名で上場を続けていましたが、1990年代初頭にオルメリカ損害保険会社に社名を変更しました。
MHO vs THG — 直接比較
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $1.1B | $1.7B |
| 純利益 | $64.0M | $198.5M |
| 粗利率 | 17.4% | — |
| 営業利益率 | 6.5% | 17.3% |
| 純利益率 | 5.6% | 11.9% |
| 売上前年比 | -4.8% | 5.5% |
| 純利益前年比 | -52.1% | 18.2% |
| EPS（希薄化後） | $2.42 | $5.46 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $1.1B | $1.7B | ||
| Q3 25 | $1.1B | $1.7B | ||
| Q2 25 | $1.2B | $1.7B | ||
| Q1 25 | $976.1M | $1.6B | ||
| Q4 24 | $1.2B | $1.6B | ||
| Q3 24 | $1.1B | $1.6B | ||
| Q2 24 | $1.1B | $1.5B | ||
| Q1 24 | $1.0B | $1.6B |
| Q4 25 | $64.0M | $198.5M | ||
| Q3 25 | $106.5M | $178.7M | ||
| Q2 25 | $121.2M | $157.1M | ||
| Q1 25 | $111.2M | $128.2M | ||
| Q4 24 | $133.5M | $167.9M | ||
| Q3 24 | $145.4M | $102.1M | ||
| Q2 24 | $146.7M | $40.5M | ||
| Q1 24 | $138.1M | $115.5M |
| Q4 25 | 17.4% | — | ||
| Q3 25 | 24.5% | — | ||
| Q2 25 | 24.7% | — | ||
| Q1 25 | 25.9% | — | ||
| Q4 24 | 24.6% | — | ||
| Q3 24 | 27.1% | — | ||
| Q2 24 | 27.9% | — | ||
| Q1 24 | 27.1% | — |
| Q4 25 | 6.5% | 17.3% | ||
| Q3 25 | 12.0% | 14.9% | ||
| Q2 25 | 13.4% | 12.7% | ||
| Q1 25 | 14.4% | 11.6% | ||
| Q4 24 | 13.6% | 16.1% | ||
| Q3 24 | 15.9% | 9.6% | ||
| Q2 24 | 16.8% | 6.2% | ||
| Q1 24 | 16.6% | 9.7% |
| Q4 25 | 5.6% | 11.9% | ||
| Q3 25 | 9.4% | 10.7% | ||
| Q2 25 | 10.4% | 9.5% | ||
| Q1 25 | 11.4% | 8.0% | ||
| Q4 24 | 11.1% | 10.6% | ||
| Q3 24 | 12.7% | 6.5% | ||
| Q2 24 | 13.2% | 2.6% | ||
| Q1 24 | 13.2% | 7.4% |
| Q4 25 | $2.42 | $5.46 | ||
| Q3 25 | $3.92 | $4.90 | ||
| Q2 25 | $4.42 | $4.30 | ||
| Q1 25 | $3.98 | $3.50 | ||
| Q4 24 | $4.71 | $4.60 | ||
| Q3 24 | $5.10 | $2.80 | ||
| Q2 24 | $5.12 | $1.12 | ||
| Q1 24 | $4.78 | $3.18 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | — | $1.1B |
| 総負債低いほど良い | — | $843.3M |
| 株主資本純資産 | $3.2B | $3.6B |
| 総資産 | $4.8B | $16.9B |
| 負債/資本比率低いほどレバレッジが低い | — | 0.24× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | — | $1.1B | ||
| Q3 25 | — | $915.7M | ||
| Q2 25 | — | $244.1M | ||
| Q1 25 | — | $315.1M | ||
| Q4 24 | — | $435.5M | ||
| Q3 24 | — | $427.1M | ||
| Q2 24 | — | $337.6M | ||
| Q1 24 | — | $264.6M |
| Q4 25 | — | $843.3M | ||
| Q3 25 | — | $843.0M | ||
| Q2 25 | — | $347.8M | ||
| Q1 25 | — | $722.5M | ||
| Q4 24 | — | $722.3M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $3.2B | $3.6B | ||
| Q3 25 | $3.1B | $3.4B | ||
| Q2 25 | $3.1B | $3.2B | ||
| Q1 25 | $3.0B | $3.0B | ||
| Q4 24 | $2.9B | $2.8B | ||
| Q3 24 | $2.8B | $2.9B | ||
| Q2 24 | $2.7B | $2.6B | ||
| Q1 24 | $2.6B | $2.5B |
| Q4 25 | $4.8B | $16.9B | ||
| Q3 25 | $4.8B | $16.8B | ||
| Q2 25 | $4.7B | $15.7B | ||
| Q1 25 | $4.6B | $15.5B | ||
| Q4 24 | $4.5B | $15.3B | ||
| Q3 24 | $4.5B | $15.4B | ||
| Q2 24 | $4.3B | $14.9B | ||
| Q1 24 | $4.2B | $14.6B |
| Q4 25 | — | 0.24× | ||
| Q3 25 | — | 0.25× | ||
| Q2 25 | — | 0.11× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $-8.7M | $378.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $-13.0M | $377.0M |
| FCFマージンFCF / 売上 | -1.1% | 22.6% |
| 設備投資強度設備投資 / 売上 | 0.4% | 0.1% |
| キャッシュ転換率営業CF / 純利益 | -0.14× | 1.91× |
| 直近12ヶ月FCF直近4四半期 | $127.7M | $1.2B |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $-8.7M | $378.2M | ||
| Q3 25 | $43.4M | $554.4M | ||
| Q2 25 | $37.8M | $206.6M | ||
| Q1 25 | $64.9M | $38.9M | ||
| Q4 24 | $104.4M | $213.5M | ||
| Q3 24 | $-67.9M | $394.7M | ||
| Q2 24 | $27.5M | $139.5M | ||
| Q1 24 | $115.8M | $58.7M |
| Q4 25 | $-13.0M | $377.0M | ||
| Q3 25 | $42.0M | $551.4M | ||
| Q2 25 | $35.1M | $204.9M | ||
| Q1 25 | $63.5M | $37.1M | ||
| Q4 24 | $102.3M | $210.5M | ||
| Q3 24 | $-68.5M | $392.3M | ||
| Q2 24 | $22.0M | $137.3M | ||
| Q1 24 | $115.5M | $56.1M |
| Q4 25 | -1.1% | 22.6% | ||
| Q3 25 | 3.7% | 33.1% | ||
| Q2 25 | 3.0% | 12.4% | ||
| Q1 25 | 6.5% | 2.3% | ||
| Q4 24 | 8.5% | 13.3% | ||
| Q3 24 | -6.0% | 25.1% | ||
| Q2 24 | 2.0% | 8.9% | ||
| Q1 24 | 11.0% | 3.6% |
| Q4 25 | 0.4% | 0.1% | ||
| Q3 25 | 0.1% | 0.2% | ||
| Q2 25 | 0.2% | 0.1% | ||
| Q1 25 | 0.1% | 0.1% | ||
| Q4 24 | 0.2% | 0.2% | ||
| Q3 24 | 0.1% | 0.2% | ||
| Q2 24 | 0.5% | 0.1% | ||
| Q1 24 | 0.0% | 0.2% |
| Q4 25 | -0.14× | 1.91× | ||
| Q3 25 | 0.41× | 3.10× | ||
| Q2 25 | 0.31× | 1.32× | ||
| Q1 25 | 0.58× | 0.30× | ||
| Q4 24 | 0.78× | 1.27× | ||
| Q3 24 | -0.47× | 3.87× | ||
| Q2 24 | 0.19× | 3.44× | ||
| Q1 24 | 0.84× | 0.51× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
MHO
| Southern Homebuilding | $615.6M | 54% |
| Northern Homebuilding | $503.9M | 44% |
| Financial Service | $27.8M | 2% |
| Land | $4.7M | 0% |
THG
| Personal Lines Segment | $684.6M | 41% |
| Core Commercial Lines Segment | $617.8M | 37% |
| Specialty Lines Segment | $377.9M | 23% |
