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Arch Capital Group（ACGL）与联合果品公司（UFCS）财务数据对比。点击上方公司名可切换其他公司
Arch Capital Group的季度营收约是联合果品公司的13.5倍（$4.9B vs $365.8M）。联合果品公司同比增速更快（9.8% vs 8.5%）。过去两年Arch Capital Group的营收复合增速更高（11.9% vs 11.2%）
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。
联合果品公司是一家美国跨国企业，主营在拉丁美洲种植园种植的热带水果贸易，产品销往美国与欧洲。公司1899年由波士顿果品公司与迈纳·C·基思的香蕉贸易企业合并成立，在20世纪上半叶发展蓬勃，掌控了中美洲、哥伦比亚加勒比海岸及西印度群岛的大片领地与运输网络。
ACGL vs UFCS — 直观对比
营收规模更大
ACGL
是对方的13.5倍
$365.8M
营收增速更快
UFCS
高出1.3%
8.5%
两年增速更快
ACGL
近两年复合增速
11.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $365.8M |
| 净利润 | $1.2B | — |
| 毛利率 | — | — |
| 营业利润率 | — | 13.2% |
| 净利率 | 25.1% | — |
| 营收同比 | 8.5% | 9.8% |
| 净利润同比 | 32.4% | — |
| 每股收益（稀释后） | $3.33 | $1.45 |
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ACGLUFCS
| Q4 25 | $4.9B | $365.8M | ||
| Q3 25 | $5.1B | $354.0M | ||
| Q2 25 | $5.2B | $335.5M | ||
| Q1 25 | $4.7B | $331.1M | ||
| Q4 24 | $4.5B | $333.2M | ||
| Q3 24 | $4.7B | $323.0M | ||
| Q2 24 | $4.2B | $301.2M | ||
| Q1 24 | $3.9B | $296.0M |
净利润ACGLUFCS
| Q4 25 | $1.2B | — | ||
| Q3 25 | $1.4B | $39.2M | ||
| Q2 25 | $1.2B | $22.9M | ||
| Q1 25 | $574.0M | $17.7M | ||
| Q4 24 | $935.0M | — | ||
| Q3 24 | $988.0M | $19.7M | ||
| Q2 24 | $1.3B | $-2.7M | ||
| Q1 24 | $1.1B | $13.5M |
营业利润率ACGLUFCS
| Q4 25 | — | 13.2% | ||
| Q3 25 | — | 13.7% | ||
| Q2 25 | — | 8.7% | ||
| Q1 25 | — | 6.6% | ||
| Q4 24 | — | 11.9% | ||
| Q3 24 | — | 7.7% | ||
| Q2 24 | — | -1.3% | ||
| Q1 24 | — | 5.5% |
净利率ACGLUFCS
| Q4 25 | 25.1% | — | ||
| Q3 25 | 26.4% | 11.1% | ||
| Q2 25 | 23.7% | 6.8% | ||
| Q1 25 | 12.3% | 5.3% | ||
| Q4 24 | 20.6% | — | ||
| Q3 24 | 20.9% | 6.1% | ||
| Q2 24 | 30.0% | -0.9% | ||
| Q1 24 | 28.4% | 4.6% |
每股收益（稀释后）ACGLUFCS
| Q4 25 | $3.33 | $1.45 | ||
| Q3 25 | $3.56 | $1.49 | ||
| Q2 25 | $3.23 | $0.87 | ||
| Q1 25 | $1.48 | $0.67 | ||
| Q4 24 | $2.41 | $1.22 | ||
| Q3 24 | $2.56 | $0.76 | ||
| Q2 24 | $3.30 | $-0.11 | ||
| Q1 24 | $2.92 | $0.52 |
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 | $156.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $24.2B | $941.2M |
| 总资产 | $79.2B | $3.8B |
| 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ACGLUFCS
| Q4 25 | $993.0M | $156.3M | ||
| Q3 25 | $1.1B | $233.7M | ||
| Q2 25 | $983.0M | $202.1M | ||
| Q1 25 | $1.2B | $183.7M | ||
| Q4 24 | $979.0M | $200.9M | ||
| Q3 24 | $1.0B | $197.4M | ||
| Q2 24 | $1.0B | $153.4M | ||
| Q1 24 | $993.0M | $217.8M |
股东权益ACGLUFCS
| Q4 25 | $24.2B | $941.2M | ||
| Q3 25 | $23.7B | $898.7M | ||
| Q2 25 | $23.0B | $845.7M | ||
| Q1 25 | $21.5B | $817.7M | ||
| Q4 24 | $20.8B | $781.5M | ||
| Q3 24 | $22.3B | $785.8M | ||
| Q2 24 | $20.7B | $726.6M | ||
| Q1 24 | $19.4B | $736.8M |
总资产ACGLUFCS
| Q4 25 | $79.2B | $3.8B | ||
| Q3 25 | $79.2B | $3.8B | ||
| Q2 25 | $78.8B | $3.7B | ||
| Q1 25 | $75.2B | $3.5B | ||
| Q4 24 | $70.9B | $3.5B | ||
| Q3 24 | $73.7B | $3.5B | ||
| Q2 24 | $65.5B | $3.4B | ||
| Q1 24 | $62.8B | $3.2B |
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 | $119.8M |
| 自由现金流经营现金流 - 资本支出 | $1.4B | — |
| 自由现金流率自由现金流/营收 | 28.2% | — |
| 资本支出强度资本支出/营收 | 0.2% | — |
| 现金转化率经营现金流/净利润 | 1.13× | — |
| 过去12个月自由现金流最近4个季度 | $6.1B | — |
8季度趋势，按日历期对齐
经营现金流ACGLUFCS
| Q4 25 | $1.4B | $119.8M | ||
| Q3 25 | $2.2B | $60.8M | ||
| Q2 25 | $1.1B | $53.4M | ||
| Q1 25 | $1.5B | $35.7M | ||
| Q4 24 | $1.6B | $156.3M | ||
| Q3 24 | $2.0B | $56.5M | ||
| Q2 24 | $1.5B | $91.3M | ||
| Q1 24 | $1.6B | $36.2M |
自由现金流ACGLUFCS
| Q4 25 | $1.4B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.1B | — | ||
| Q1 25 | $1.4B | — | ||
| Q4 24 | $1.6B | — | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
自由现金流率ACGLUFCS
| Q4 25 | 28.2% | — | ||
| Q3 25 | 42.6% | — | ||
| Q2 25 | 21.3% | — | ||
| Q1 25 | 31.0% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 42.5% | — | ||
| Q2 24 | 35.6% | — | ||
| Q1 24 | 39.3% | — |
资本支出强度ACGLUFCS
| Q4 25 | 0.2% | — | ||
| Q3 25 | 0.2% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 0.3% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 0.4% | — |
现金转化率ACGLUFCS
| Q4 25 | 1.13× | — | ||
| Q3 25 | 1.62× | 1.55× | ||
| Q2 25 | 0.91× | 2.33× | ||
| Q1 25 | 2.54× | 2.02× | ||
| Q4 24 | 1.68× | — | ||
| Q3 24 | 2.04× | 2.86× | ||
| Q2 24 | 1.20× | — | ||
| Q1 24 | 1.40× | 2.68× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
