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AMERICAN COASTAL INSURANCE Corp（ACIC）与Bowhead Specialty Holdings Inc.（BOW）财务数据对比。点击上方公司名可切换其他公司
Bowhead Specialty Holdings Inc.的季度营收约是AMERICAN COASTAL INSURANCE Corp的1.8倍（$151.7M vs $86.4M）。AMERICAN COASTAL INSURANCE Corp净利率更高（30.8% vs 9.8%，领先21.0%）。Bowhead Specialty Holdings Inc.自由现金流更多（$58.6M vs $-47.8M）
美国海岸保险集团旗下的联合财产伤亡保险公司是一家总部位于美国佛罗里达州的财产伤亡保险公司，业务覆盖多个沿海州，可为客户提供商业地产、住宅、屋主以及洪水相关的各类保险产品。
Bowhead Specialty Holdings Inc.是一家专业保险控股企业，主营财产及意外伤害保险产品，聚焦北美地区服务不足的小众细分市场，为商业和个人客户提供定制化风险管理方案与专属保险保障服务。
ACIC vs BOW — 直观对比
营收规模更大
BOW
是对方的1.8倍
$86.4M
净利率更高
ACIC
高出21.0%
9.8%
自由现金流更多
BOW
多$106.4M
$-47.8M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $86.4M | $151.7M |
| 净利润 | $26.6M | $14.8M |
| 毛利率 | — | — |
| 营业利润率 | 43.2% | 11.7% |
| 净利率 | 30.8% | 9.8% |
| 营收同比 | 9.0% | — |
| 净利润同比 | 437.1% | — |
| 每股收益（稀释后） | $0.54 | $0.44 |
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ACICBOW
| Q4 25 | $86.4M | $151.7M | ||
| Q3 25 | $90.4M | $143.9M | ||
| Q2 25 | $86.5M | $133.3M | ||
| Q1 25 | $72.2M | $122.7M | ||
| Q4 24 | $79.3M | — | ||
| Q3 24 | $82.1M | $116.8M | ||
| Q2 24 | $68.7M | $98.9M | ||
| Q1 24 | $66.6M | — |
净利润ACICBOW
| Q4 25 | $26.6M | $14.8M | ||
| Q3 25 | $32.5M | $15.2M | ||
| Q2 25 | $26.4M | $12.3M | ||
| Q1 25 | $21.3M | $11.4M | ||
| Q4 24 | $4.9M | — | ||
| Q3 24 | $28.1M | $12.1M | ||
| Q2 24 | $19.1M | $5.5M | ||
| Q1 24 | $23.6M | — |
营业利润率ACICBOW
| Q4 25 | 43.2% | 11.7% | ||
| Q3 25 | 46.1% | 13.3% | ||
| Q2 25 | 41.8% | 11.9% | ||
| Q1 25 | 34.8% | 11.8% | ||
| Q4 24 | 11.2% | — | ||
| Q3 24 | 43.9% | 13.5% | ||
| Q2 24 | 35.1% | 7.5% | ||
| Q1 24 | 45.9% | — |
净利率ACICBOW
| Q4 25 | 30.8% | 9.8% | ||
| Q3 25 | 35.9% | 10.5% | ||
| Q2 25 | 30.6% | 9.3% | ||
| Q1 25 | 29.6% | 9.3% | ||
| Q4 24 | 6.2% | — | ||
| Q3 24 | 34.2% | 10.4% | ||
| Q2 24 | 27.8% | 5.6% | ||
| Q1 24 | 35.4% | — |
每股收益（稀释后）ACICBOW
| Q4 25 | $0.54 | $0.44 | ||
| Q3 25 | $0.65 | $0.45 | ||
| Q2 25 | $0.53 | $0.36 | ||
| Q1 25 | $0.43 | $0.34 | ||
| Q4 24 | $0.10 | — | ||
| Q3 24 | $0.57 | $0.36 | ||
| Q2 24 | $0.39 | $0.20 | ||
| Q1 24 | $0.48 | — |
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 | $198.8M | $193.5M |
| 总债务越低越好 | $150.0M | $146.4M |
| 股东权益账面价值 | $317.6M | $448.3M |
| 总资产 | $1.1B | $2.4B |
| 负债/权益比越低杠杆越低 | 0.47× | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资ACICBOW
| Q4 25 | $198.8M | $193.5M | ||
| Q3 25 | $267.9M | $197.9M | ||
| Q2 25 | $315.5M | $114.8M | ||
| Q1 25 | $167.2M | $88.0M | ||
| Q4 24 | $137.0M | — | ||
| Q3 24 | $183.1M | $132.9M | ||
| Q2 24 | $229.4M | $180.3M | ||
| Q1 24 | $285.4M | — |
总债务ACICBOW
| Q4 25 | $150.0M | $146.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $150.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ACICBOW
| Q4 25 | $317.6M | $448.3M | ||
| Q3 25 | $327.2M | $430.2M | ||
| Q2 25 | $292.3M | $407.2M | ||
| Q1 25 | $260.9M | $391.0M | ||
| Q4 24 | $235.7M | — | ||
| Q3 24 | $259.6M | $364.7M | ||
| Q2 24 | $223.1M | $339.9M | ||
| Q1 24 | $204.0M | — |
总资产ACICBOW
| Q4 25 | $1.1B | $2.4B | ||
| Q3 25 | $1.2B | $2.1B | ||
| Q2 25 | $1.3B | $1.9B | ||
| Q1 25 | $1.2B | $1.8B | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.1B | $1.5B | ||
| Q2 24 | $1.3B | $1.4B | ||
| Q1 24 | $1.1B | — |
负债/权益比ACICBOW
| Q4 25 | 0.47× | 0.33× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.64× | — | ||
| 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 | $-47.8M | $60.1M |
| 自由现金流经营现金流 - 资本支出 | $-47.8M | $58.6M |
| 自由现金流率自由现金流/营收 | -55.4% | 38.7% |
| 资本支出强度资本支出/营收 | 0.1% | 1.0% |
| 现金转化率经营现金流/净利润 | -1.80× | 4.05× |
| 过去12个月自由现金流最近4个季度 | — | $326.0M |
8季度趋势，按日历期对齐
经营现金流ACICBOW
| Q4 25 | $-47.8M | $60.1M | ||
| Q3 25 | $-35.6M | $114.7M | ||
| Q2 25 | $127.9M | $109.0M | ||
| Q1 25 | $26.4M | $47.7M | ||
| Q4 24 | $1.6M | — | ||
| Q3 24 | $-9.0M | $119.4M | ||
| Q2 24 | $126.4M | — | ||
| Q1 24 | $124.5M | — |
自由现金流ACICBOW
| Q4 25 | $-47.8M | $58.6M | ||
| Q3 25 | — | $113.5M | ||
| Q2 25 | — | $107.4M | ||
| Q1 25 | $26.3M | $46.5M | ||
| Q4 24 | $1.6M | — | ||
| Q3 24 | $-9.0M | $118.4M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率ACICBOW
| Q4 25 | -55.4% | 38.7% | ||
| Q3 25 | — | 78.8% | ||
| Q2 25 | — | 80.6% | ||
| Q1 25 | 36.5% | 37.9% | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | -10.9% | 101.4% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度ACICBOW
| Q4 25 | 0.1% | 1.0% | ||
| Q3 25 | 0.0% | 0.9% | ||
| Q2 25 | 0.0% | 1.2% | ||
| Q1 25 | 0.1% | 1.0% | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | 0.9% | ||
| Q2 24 | 0.0% | — | ||
| Q1 24 | 0.0% | — |
现金转化率ACICBOW
| Q4 25 | -1.80× | 4.05× | ||
| Q3 25 | -1.10× | 7.56× | ||
| Q2 25 | 4.84× | 8.83× | ||
| Q1 25 | 1.24× | 4.18× | ||
| Q4 24 | 0.32× | — | ||
| Q3 24 | -0.32× | 9.88× | ||
| Q2 24 | 6.63× | — | ||
| Q1 24 | 5.27× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
