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Arch Capital Group（ACGL）与ACNB CORP（ACNB）财务数据对比。点击上方公司名可切换其他公司
Arch Capital Group的季度营收约是ACNB CORP的104.6倍（$4.9B vs $47.2M）。Arch Capital Group净利率更高（25.1% vs 22.9%，领先2.2%）。ACNB CORP同比增速更快（42.2% vs 8.5%）。Arch Capital Group自由现金流更多（$1.4B vs $12.6M）。过去两年ACNB CORP的营收复合增速更高（22.1% vs 11.9%）
百慕大注册上市企业Arch Capital Group面向全球提供保险、再保险及按揭保险服务，专注于特种类保险业务，承保保险业内难度较高的特殊风险。公司总部位于百慕大，在北美、欧洲、亚洲及澳洲共设有60个办事处，实现全球布局运营。
ACNB集团是总部位于美国宾夕法尼亚州的金融控股公司，提供零售及商业银行服务、财富管理、信托服务、财产及意外伤害保险等金融产品，主要服务宾夕法尼亚州中南部、马里兰州北部的当地居民及中小企业客户。
ACGL vs ACNB — 直观对比
营收规模更大
ACGL
是对方的104.6倍
$47.2M
营收增速更快
ACNB
高出33.7%
8.5%
净利率更高
ACGL
高出2.2%
22.9%
自由现金流更多
ACGL
多$1.4B
$12.6M
两年增速更快
ACNB
近两年复合增速
11.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $47.2M |
| 净利润 | $1.2B | $10.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 27.9% |
| 净利率 | 25.1% | 22.9% |
| 营收同比 | 8.5% | 42.2% |
| 净利润同比 | 32.4% | 63.8% |
| 每股收益（稀释后） | $3.33 | $1.10 |
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ACGLACNB
| Q4 25 | $4.9B | $47.2M | ||
| Q3 25 | $5.1B | $50.9M | ||
| Q2 25 | $5.2B | $50.3M | ||
| Q1 25 | $4.7B | $43.5M | ||
| Q4 24 | $4.5B | $33.2M | ||
| Q3 24 | $4.7B | $34.1M | ||
| Q2 24 | $4.2B | $33.3M | ||
| Q1 24 | $3.9B | $31.6M |
净利润ACGLACNB
| Q4 25 | $1.2B | $10.8M | ||
| Q3 25 | $1.4B | $14.9M | ||
| Q2 25 | $1.2B | $11.6M | ||
| Q1 25 | $574.0M | $-272.0K | ||
| Q4 24 | $935.0M | $6.6M | ||
| Q3 24 | $988.0M | $7.2M | ||
| Q2 24 | $1.3B | $11.3M | ||
| Q1 24 | $1.1B | $6.8M |
营业利润率ACGLACNB
| Q4 25 | — | 27.9% | ||
| Q3 25 | — | 37.2% | ||
| Q2 25 | — | 29.7% | ||
| Q1 25 | — | -1.3% | ||
| Q4 24 | — | 24.8% | ||
| Q3 24 | — | 27.6% | ||
| Q2 24 | — | 42.8% | ||
| Q1 24 | — | 26.9% |
净利率ACGLACNB
| Q4 25 | 25.1% | 22.9% | ||
| Q3 25 | 26.4% | 29.2% | ||
| Q2 25 | 23.7% | 23.2% | ||
| Q1 25 | 12.3% | -0.6% | ||
| Q4 24 | 20.6% | 19.9% | ||
| Q3 24 | 20.9% | 21.1% | ||
| Q2 24 | 30.0% | 33.9% | ||
| Q1 24 | 28.4% | 21.4% |
每股收益（稀释后）ACGLACNB
| Q4 25 | $3.33 | $1.10 | ||
| Q3 25 | $3.56 | $1.42 | ||
| Q2 25 | $3.23 | $1.11 | ||
| Q1 25 | $1.48 | $-0.03 | ||
| Q4 24 | $2.41 | $0.77 | ||
| Q3 24 | $2.56 | $0.84 | ||
| Q2 24 | $3.30 | $1.32 | ||
| Q1 24 | $2.92 | $0.80 |
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 | $993.0M | $65.6M |
| 总债务越低越好 | — | $255.4M |
| 股东权益账面价值 | $24.2B | $420.0M |
| 总资产 | $79.2B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.61× |
8季度趋势，按日历期对齐
现金及短期投资ACGLACNB
| Q4 25 | $993.0M | $65.6M | ||
| Q3 25 | $1.1B | $102.1M | ||
| Q2 25 | $983.0M | $103.1M | ||
| Q1 25 | $1.2B | $123.6M | ||
| Q4 24 | $979.0M | $47.3M | ||
| Q3 24 | $1.0B | $58.1M | ||
| Q2 24 | $1.0B | $86.3M | ||
| Q1 24 | $993.0M | $53.1M |
总债务ACGLACNB
| Q4 25 | — | $255.4M | ||
| Q3 25 | — | $255.4M | ||
| Q2 25 | — | $255.4M | ||
| Q1 25 | — | $255.3M | ||
| Q4 24 | — | $255.3M | ||
| Q3 24 | — | $255.3M | ||
| Q2 24 | — | $255.3M | ||
| Q1 24 | — | $255.3M |
股东权益ACGLACNB
| Q4 25 | $24.2B | $420.0M | ||
| Q3 25 | $23.7B | $408.6M | ||
| Q2 25 | $23.0B | $395.2M | ||
| Q1 25 | $21.5B | $386.9M | ||
| Q4 24 | $20.8B | $303.3M | ||
| Q3 24 | $22.3B | $306.8M | ||
| Q2 24 | $20.7B | $289.3M | ||
| Q1 24 | $19.4B | $279.9M |
总资产ACGLACNB
| Q4 25 | $79.2B | $3.2B | ||
| Q3 25 | $79.2B | $3.3B | ||
| Q2 25 | $78.8B | $3.3B | ||
| Q1 25 | $75.2B | $3.3B | ||
| Q4 24 | $70.9B | $2.4B | ||
| Q3 24 | $73.7B | $2.4B | ||
| Q2 24 | $65.5B | $2.5B | ||
| Q1 24 | $62.8B | $2.4B |
负债/权益比ACGLACNB
| Q4 25 | — | 0.61× | ||
| Q3 25 | — | 0.62× | ||
| Q2 25 | — | 0.65× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.84× | ||
| Q3 24 | — | 0.83× | ||
| Q2 24 | — | 0.88× | ||
| Q1 24 | — | 0.91× |
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 | $1.4B | $12.8M |
| 自由现金流经营现金流 - 资本支出 | $1.4B | $12.6M |
| 自由现金流率自由现金流/营收 | 28.2% | 26.7% |
| 资本支出强度资本支出/营收 | 0.2% | 0.4% |
| 现金转化率经营现金流/净利润 | 1.13× | 1.18× |
| 过去12个月自由现金流最近4个季度 | $6.1B | $52.2M |
8季度趋势，按日历期对齐
经营现金流ACGLACNB
| Q4 25 | $1.4B | $12.8M | ||
| Q3 25 | $2.2B | $23.2M | ||
| Q2 25 | $1.1B | $17.8M | ||
| Q1 25 | $1.5B | $-71.0K | ||
| Q4 24 | $1.6B | $5.7M | ||
| Q3 24 | $2.0B | $13.6M | ||
| Q2 24 | $1.5B | $9.7M | ||
| Q1 24 | $1.6B | $10.8M |
自由现金流ACGLACNB
| Q4 25 | $1.4B | $12.6M | ||
| Q3 25 | $2.2B | $22.8M | ||
| Q2 25 | $1.1B | $17.6M | ||
| Q1 25 | $1.4B | $-730.0K | ||
| Q4 24 | $1.6B | $5.3M | ||
| Q3 24 | $2.0B | $13.3M | ||
| Q2 24 | $1.5B | $9.4M | ||
| Q1 24 | $1.5B | $10.7M |
自由现金流率ACGLACNB
| Q4 25 | 28.2% | 26.7% | ||
| Q3 25 | 42.6% | 44.7% | ||
| Q2 25 | 21.3% | 35.0% | ||
| Q1 25 | 31.0% | -1.7% | ||
| Q4 24 | 34.3% | 16.1% | ||
| Q3 24 | 42.5% | 39.1% | ||
| Q2 24 | 35.6% | 28.3% | ||
| Q1 24 | 39.3% | 33.9% |
资本支出强度ACGLACNB
| Q4 25 | 0.2% | 0.4% | ||
| Q3 25 | 0.2% | 0.8% | ||
| Q2 25 | 0.2% | 0.4% | ||
| Q1 25 | 0.2% | 1.5% | ||
| Q4 24 | 0.3% | 1.1% | ||
| Q3 24 | 0.3% | 0.7% | ||
| Q2 24 | 0.3% | 0.9% | ||
| Q1 24 | 0.4% | 0.2% |
现金转化率ACGLACNB
| Q4 25 | 1.13× | 1.18× | ||
| Q3 25 | 1.62× | 1.56× | ||
| Q2 25 | 0.91× | 1.52× | ||
| Q1 25 | 2.54× | — | ||
| Q4 24 | 1.68× | 0.87× | ||
| Q3 24 | 2.04× | 1.88× | ||
| Q2 24 | 1.20× | 0.86× | ||
| Q1 24 | 1.40× | 1.60× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
