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AMERICAN COASTAL INSURANCE Corp（ACIC）与RENAISSANCERE HOLDINGS LTD（RNR）财务数据对比。点击上方公司名可切换其他公司
RENAISSANCERE HOLDINGS LTD的季度营收约是AMERICAN COASTAL INSURANCE Corp的34.4倍（$3.0B vs $86.4M）。AMERICAN COASTAL INSURANCE Corp净利率更高（30.8% vs 25.6%，领先5.2%）。RENAISSANCERE HOLDINGS LTD同比增速更快（29.6% vs 9.0%）。过去两年AMERICAN COASTAL INSURANCE Corp的营收复合增速更高（13.9% vs 6.9%）
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。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
ACIC vs RNR — 直观对比
营收规模更大
RNR
是对方的34.4倍
$86.4M
营收增速更快
RNR
高出20.7%
9.0%
净利率更高
ACIC
高出5.2%
25.6%
两年增速更快
ACIC
近两年复合增速
6.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $86.4M | $3.0B |
| 净利润 | $26.6M | $760.5M |
| 毛利率 | — | — |
| 营业利润率 | 43.2% | 42.5% |
| 净利率 | 30.8% | 25.6% |
| 营收同比 | 9.0% | 29.6% |
| 净利润同比 | 437.1% | 501.0% |
| 每股收益（稀释后） | $0.54 | $16.16 |
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ACICRNR
| Q4 25 | $86.4M | $3.0B | ||
| Q3 25 | $90.4M | $3.2B | ||
| Q2 25 | $86.5M | $3.2B | ||
| Q1 25 | $72.2M | $3.5B | ||
| Q4 24 | $79.3M | $2.3B | ||
| Q3 24 | $82.1M | $4.0B | ||
| Q2 24 | $68.7M | $2.8B | ||
| Q1 24 | $66.6M | $2.6B |
净利润ACICRNR
| Q4 25 | $26.6M | $760.5M | ||
| Q3 25 | $32.5M | $916.5M | ||
| Q2 25 | $26.4M | $835.4M | ||
| Q1 25 | $21.3M | $170.0M | ||
| Q4 24 | $4.9M | $-189.7M | ||
| Q3 24 | $28.1M | $1.2B | ||
| Q2 24 | $19.1M | $503.9M | ||
| Q1 24 | $23.6M | $373.6M |
营业利润率ACICRNR
| Q4 25 | 43.2% | 42.5% | ||
| Q3 25 | 46.1% | 46.3% | ||
| Q2 25 | 41.8% | 41.8% | ||
| Q1 25 | 34.8% | -2.0% | ||
| Q4 24 | 11.2% | -3.6% | ||
| Q3 24 | 43.9% | 43.7% | ||
| Q2 24 | 35.1% | 25.0% | ||
| Q1 24 | 45.9% | 24.4% |
净利率ACICRNR
| Q4 25 | 30.8% | 25.6% | ||
| Q3 25 | 35.9% | 28.7% | ||
| Q2 25 | 30.6% | 26.1% | ||
| Q1 25 | 29.6% | 4.9% | ||
| Q4 24 | 6.2% | -8.3% | ||
| Q3 24 | 34.2% | 29.8% | ||
| Q2 24 | 27.8% | 17.8% | ||
| Q1 24 | 35.4% | 14.4% |
每股收益（稀释后）ACICRNR
| Q4 25 | $0.54 | $16.16 | ||
| Q3 25 | $0.65 | $19.40 | ||
| Q2 25 | $0.53 | $17.20 | ||
| Q1 25 | $0.43 | $3.27 | ||
| Q4 24 | $0.10 | $-3.76 | ||
| Q3 24 | $0.57 | $22.62 | ||
| Q2 24 | $0.39 | $9.41 | ||
| Q1 24 | $0.48 | $6.94 |
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 | $1.7B |
| 总债务越低越好 | $150.0M | $2.3B |
| 股东权益账面价值 | $317.6M | $11.6B |
| 总资产 | $1.1B | $53.8B |
| 负债/权益比越低杠杆越低 | 0.47× | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资ACICRNR
| Q4 25 | $198.8M | $1.7B | ||
| Q3 25 | $267.9M | $1.7B | ||
| Q2 25 | $315.5M | $1.4B | ||
| Q1 25 | $167.2M | $1.6B | ||
| Q4 24 | $137.0M | $1.7B | ||
| Q3 24 | $183.1M | $1.6B | ||
| Q2 24 | $229.4M | $1.6B | ||
| Q1 24 | $285.4M | $1.6B |
总债务ACICRNR
| Q4 25 | $150.0M | $2.3B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $2.3B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | $150.0M | $1.9B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $1.9B |
股东权益ACICRNR
| Q4 25 | $317.6M | $11.6B | ||
| Q3 25 | $327.2M | $11.5B | ||
| Q2 25 | $292.3M | $10.8B | ||
| Q1 25 | $260.9M | $10.3B | ||
| Q4 24 | $235.7M | $10.6B | ||
| Q3 24 | $259.6M | $11.2B | ||
| Q2 24 | $223.1M | $10.2B | ||
| Q1 24 | $204.0M | $9.8B |
总资产ACICRNR
| Q4 25 | $1.1B | $53.8B | ||
| Q3 25 | $1.2B | $54.5B | ||
| Q2 25 | $1.3B | $54.7B | ||
| Q1 25 | $1.2B | $53.6B | ||
| Q4 24 | $1.2B | $50.7B | ||
| Q3 24 | $1.1B | $52.8B | ||
| Q2 24 | $1.3B | $51.6B | ||
| Q1 24 | $1.1B | $50.9B |
负债/权益比ACICRNR
| Q4 25 | 0.47× | 0.20× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.21× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | 0.64× | 0.18× | ||
| Q3 24 | — | 0.17× | ||
| Q2 24 | — | 0.19× | ||
| Q1 24 | — | 0.19× |
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 | $483.0M |
| 自由现金流经营现金流 - 资本支出 | $-47.8M | — |
| 自由现金流率自由现金流/营收 | -55.4% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 现金转化率经营现金流/净利润 | -1.80× | 0.64× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ACICRNR
| Q4 25 | $-47.8M | $483.0M | ||
| Q3 25 | $-35.6M | $1.6B | ||
| Q2 25 | $127.9M | $1.5B | ||
| Q1 25 | $26.4M | $157.8M | ||
| Q4 24 | $1.6M | $778.9M | ||
| Q3 24 | $-9.0M | $1.5B | ||
| Q2 24 | $126.4M | $1.2B | ||
| Q1 24 | $124.5M | $683.5M |
自由现金流ACICRNR
| Q4 25 | $-47.8M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $26.3M | — | ||
| Q4 24 | $1.6M | — | ||
| Q3 24 | $-9.0M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率ACICRNR
| Q4 25 | -55.4% | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 36.5% | — | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | -10.9% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度ACICRNR
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.0% | — | ||
| Q1 24 | 0.0% | — |
现金转化率ACICRNR
| Q4 25 | -1.80× | 0.64× | ||
| Q3 25 | -1.10× | 1.73× | ||
| Q2 25 | 4.84× | 1.76× | ||
| Q1 25 | 1.24× | 0.93× | ||
| Q4 24 | 0.32× | — | ||
| Q3 24 | -0.32× | 1.26× | ||
| Q2 24 | 6.63× | 2.41× | ||
| Q1 24 | 5.27× | 1.83× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
