vs
MAXIMUS, INC.（MMS）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 $1.3B、MAXIMUS, INC.の約1.2倍）。HANOVER INSURANCE GROUP, INC.の純利益率が高く（11.9% vs 7.0%、差は4.9%）。HANOVER INSURANCE GROUP, INC.の前年同期比売上増加率が高い（5.5% vs -4.1%）。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 $-250.7M）。過去8四半期でHANOVER INSURANCE GROUP, INC.の売上複合成長率が高い（3.8% vs -0.1%）
MAXIMUS社は米国の政府向けサービス企業で、米国、カナダ、英国などで事業を展開している。メディケイド、メディケア、医療改革、就労支援、学生ローン管理など各種政府プログラムに管理業務や関連サービスを提供する。本社はバージニア州タイソンズに所在し、従業員数3万9600人、2024会計年度の売上高は53億米ドルである。
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。
MMS vs THG — 直接比較
損益計算書 — Q1 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $1.3B | $1.7B |
| 純利益 | $93.9M | $198.5M |
| 粗利率 | 23.7% | — |
| 営業利益率 | 10.9% | 17.3% |
| 純利益率 | 7.0% | 11.9% |
| 売上前年比 | -4.1% | 5.5% |
| 純利益前年比 | 128.0% | 18.2% |
| EPS（希薄化後） | $1.70 | $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 | $1.3B | $1.7B | ||
| Q3 25 | $1.3B | $1.7B | ||
| Q2 25 | $1.3B | $1.7B | ||
| Q1 25 | $1.4B | $1.6B | ||
| Q4 24 | $1.4B | $1.6B | ||
| Q3 24 | $1.3B | $1.6B | ||
| Q2 24 | $1.3B | $1.5B | ||
| Q1 24 | $1.3B | $1.6B |
| Q4 25 | $93.9M | $198.5M | ||
| Q3 25 | $75.3M | $178.7M | ||
| Q2 25 | $106.0M | $157.1M | ||
| Q1 25 | $96.6M | $128.2M | ||
| Q4 24 | $41.2M | $167.9M | ||
| Q3 24 | $72.5M | $102.1M | ||
| Q2 24 | $89.8M | $40.5M | ||
| Q1 24 | $80.5M | $115.5M |
| Q4 25 | 23.7% | — | ||
| Q3 25 | 25.3% | — | ||
| Q2 25 | 26.7% | — | ||
| Q1 25 | 24.9% | — | ||
| Q4 24 | 21.5% | — | ||
| Q3 24 | 22.9% | — | ||
| Q2 24 | 25.3% | — | ||
| Q1 24 | 23.6% | — |
| Q4 25 | 10.9% | 17.3% | ||
| Q3 25 | 9.3% | 14.9% | ||
| Q2 25 | 12.3% | 12.7% | ||
| Q1 25 | 11.2% | 11.6% | ||
| Q4 24 | 6.2% | 16.1% | ||
| Q3 24 | 8.5% | 9.6% | ||
| Q2 24 | 10.8% | 6.2% | ||
| Q1 24 | 9.5% | 9.7% |
| Q4 25 | 7.0% | 11.9% | ||
| Q3 25 | 5.7% | 10.7% | ||
| Q2 25 | 7.9% | 9.5% | ||
| Q1 25 | 7.1% | 8.0% | ||
| Q4 24 | 2.9% | 10.6% | ||
| Q3 24 | 5.5% | 6.5% | ||
| Q2 24 | 6.8% | 2.6% | ||
| Q1 24 | 6.0% | 7.4% |
| Q4 25 | $1.70 | $5.46 | ||
| Q3 25 | $1.27 | $4.90 | ||
| Q2 25 | $1.86 | $4.30 | ||
| Q1 25 | $1.69 | $3.50 | ||
| Q4 24 | $0.69 | $4.60 | ||
| Q3 24 | $1.18 | $2.80 | ||
| Q2 24 | $1.46 | $1.12 | ||
| Q1 24 | $1.31 | $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 | $137.6M | $1.1B |
| 総負債低いほど良い | — | $843.3M |
| 株主資本純資産 | $1.7B | $3.6B |
| 総資産 | $4.2B | $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 | $137.6M | $1.1B | ||
| Q3 25 | $222.4M | $915.7M | ||
| Q2 25 | $59.8M | $244.1M | ||
| Q1 25 | $108.1M | $315.1M | ||
| Q4 24 | $72.7M | $435.5M | ||
| Q3 24 | $183.1M | $427.1M | ||
| Q2 24 | $102.8M | $337.6M | ||
| Q1 24 | $77.4M | $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 | $1.7B | $3.6B | ||
| Q3 25 | $1.7B | $3.4B | ||
| Q2 25 | $1.8B | $3.2B | ||
| Q1 25 | $1.7B | $3.0B | ||
| Q4 24 | $1.6B | $2.8B | ||
| Q3 24 | $1.8B | $2.9B | ||
| Q2 24 | $1.8B | $2.6B | ||
| Q1 24 | $1.8B | $2.5B |
| Q4 25 | $4.2B | $16.9B | ||
| Q3 25 | $4.1B | $16.8B | ||
| Q2 25 | $4.5B | $15.7B | ||
| Q1 25 | $4.2B | $15.5B | ||
| Q4 24 | $4.1B | $15.3B | ||
| Q3 24 | $4.1B | $15.4B | ||
| Q2 24 | $4.0B | $14.9B | ||
| Q1 24 | $4.0B | $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 | $-244.4M | $378.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $-250.7M | $377.0M |
| FCFマージンFCF / 売上 | -18.6% | 22.6% |
| 設備投資強度設備投資 / 売上 | 0.5% | 0.1% |
| キャッシュ転換率営業CF / 純利益 | -2.60× | 1.91× |
| 直近12ヶ月FCF直近4四半期 | $218.5M | $1.2B |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $-244.4M | $378.2M | ||
| Q3 25 | $649.4M | $554.4M | ||
| Q2 25 | $-182.7M | $206.6M | ||
| Q1 25 | $42.7M | $38.9M | ||
| Q4 24 | $-80.0M | $213.5M | ||
| Q3 24 | $163.8M | $394.7M | ||
| Q2 24 | $199.3M | $139.5M | ||
| Q1 24 | $130.5M | $58.7M |
| Q4 25 | $-250.7M | $377.0M | ||
| Q3 25 | $641.8M | $551.4M | ||
| Q2 25 | $-198.2M | $204.9M | ||
| Q1 25 | $25.5M | $37.1M | ||
| Q4 24 | $-103.0M | $210.5M | ||
| Q3 24 | $131.9M | $392.3M | ||
| Q2 24 | $164.6M | $137.3M | ||
| Q1 24 | $105.2M | $56.1M |
| Q4 25 | -18.6% | 22.6% | ||
| Q3 25 | 48.7% | 33.1% | ||
| Q2 25 | -14.7% | 12.4% | ||
| Q1 25 | 1.9% | 2.3% | ||
| Q4 24 | -7.3% | 13.3% | ||
| Q3 24 | 10.0% | 25.1% | ||
| Q2 24 | 12.5% | 8.9% | ||
| Q1 24 | 7.8% | 3.6% |
| Q4 25 | 0.5% | 0.1% | ||
| Q3 25 | 0.6% | 0.2% | ||
| Q2 25 | 1.1% | 0.1% | ||
| Q1 25 | 1.3% | 0.1% | ||
| Q4 24 | 1.6% | 0.2% | ||
| Q3 24 | 2.4% | 0.2% | ||
| Q2 24 | 2.6% | 0.1% | ||
| Q1 24 | 1.9% | 0.2% |
| Q4 25 | -2.60× | 1.91× | ||
| Q3 25 | 8.63× | 3.10× | ||
| Q2 25 | -1.72× | 1.32× | ||
| Q1 25 | 0.44× | 0.30× | ||
| Q4 24 | -1.94× | 1.27× | ||
| Q3 24 | 2.26× | 3.87× | ||
| Q2 24 | 2.22× | 3.44× | ||
| Q1 24 | 1.62× | 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
MMS
| Clinical Services | $523.7M | 39% |
| Cost Plus Contracts | $386.4M | 29% |
| Outside The United States | $143.2M | 11% |
| International Government Agencies | $141.0M | 10% |
| Technology Solutions | $74.8M | 6% |
| Employment And Other | $70.2M | 5% |
| Other Including Local Municipalities And Commercial Customers | $17.6M | 1% |
THG
| Personal Lines Segment | $684.6M | 41% |
| Core Commercial Lines Segment | $617.8M | 37% |
| Specialty Lines Segment | $377.9M | 23% |
