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ASSURED GUARANTY LTD（AGO）与MGIC INVESTMENT CORP（MTG）财务数据对比。点击上方公司名可切换其他公司
过去两年MGIC INVESTMENT CORP的营收复合增速更高（0.7% vs -100.0%）
Assured Guaranty旗下的Assured Investment Management（AIM）是一家主打信贷策略的机构资产管理公司，2023年7月停止运营时管理资产规模约152亿美元，曾被二级投资者评为全球最知名的对冲基金之一。
MGIC投资集团（纽交所代码：MTG）是美国专业的私人抵押贷款保险服务商，总部位于威斯康星州密尔沃基市，主要为美国本土住房抵押贷款业务提供保险解决方案，帮助贷款机构管控信用风险，助力普通消费者顺利获得购房贷款支持。
AGO vs MTG — 直观对比
营收规模更大
MTG
是对方的Infinity倍
$0
两年增速更快
MTG
近两年复合增速
-100.0%
损益表 — Q4 2024 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $0 | $298.7M |
| 净利润 | $18.0M | $169.3M |
| 毛利率 | — | — |
| 营业利润率 | — | 71.2% |
| 净利率 | — | 56.7% |
| 营收同比 | — | -0.9% |
| 净利润同比 | -95.2% | -8.3% |
| 每股收益（稀释后） | $0.40 | $0.75 |
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AGOMTG
| Q4 25 | — | $298.7M | ||
| Q3 25 | — | $304.5M | ||
| Q2 25 | — | $304.2M | ||
| Q1 25 | — | $306.2M | ||
| Q4 24 | $0 | $301.4M | ||
| Q3 24 | $0 | $306.6M | ||
| Q2 24 | $0 | $305.3M | ||
| Q1 24 | $0 | $294.4M |
净利润AGOMTG
| Q4 25 | — | $169.3M | ||
| Q3 25 | — | $191.1M | ||
| Q2 25 | — | $192.5M | ||
| Q1 25 | — | $185.5M | ||
| Q4 24 | $18.0M | $184.7M | ||
| Q3 24 | $171.0M | $200.0M | ||
| Q2 24 | $78.0M | $204.2M | ||
| Q1 24 | $109.0M | $174.1M |
营业利润率AGOMTG
| Q4 25 | — | 71.2% | ||
| Q3 25 | — | 77.2% | ||
| Q2 25 | — | 80.9% | ||
| Q1 25 | — | 76.6% | ||
| Q4 24 | — | 77.9% | ||
| Q3 24 | — | 82.9% | ||
| Q2 24 | — | 85.1% | ||
| Q1 24 | — | 74.7% |
净利率AGOMTG
| Q4 25 | — | 56.7% | ||
| Q3 25 | — | 62.8% | ||
| Q2 25 | — | 63.3% | ||
| Q1 25 | — | 60.6% | ||
| Q4 24 | — | 61.3% | ||
| Q3 24 | — | 65.2% | ||
| Q2 24 | — | 66.9% | ||
| Q1 24 | — | 59.1% |
每股收益（稀释后）AGOMTG
| Q4 25 | — | $0.75 | ||
| Q3 25 | — | $0.83 | ||
| Q2 25 | — | $0.81 | ||
| Q1 25 | — | $0.75 | ||
| Q4 24 | $0.40 | $0.71 | ||
| Q3 24 | $3.17 | $0.77 | ||
| Q2 24 | $1.41 | $0.77 | ||
| Q1 24 | $1.89 | $0.64 |
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 | $1.2B | $369.0M |
| 总债务越低越好 | $1.7B | — |
| 股东权益账面价值 | $5.5B | $5.1B |
| 总资产 | $11.9B | $6.6B |
| 负债/权益比越低杠杆越低 | 0.31× | — |
8季度趋势，按日历期对齐
现金及短期投资AGOMTG
| Q4 25 | — | $369.0M | ||
| Q3 25 | — | $266.9M | ||
| Q2 25 | — | $294.9M | ||
| Q1 25 | — | $207.0M | ||
| Q4 24 | $1.2B | $229.5M | ||
| Q3 24 | $1.5B | $288.6M | ||
| Q2 24 | $1.7B | $281.8M | ||
| Q1 24 | $1.6B | $431.3M |
总债务AGOMTG
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.7B | — |
股东权益AGOMTG
| Q4 25 | — | $5.1B | ||
| Q3 25 | — | $5.2B | ||
| Q2 25 | — | $5.2B | ||
| Q1 25 | — | $5.1B | ||
| Q4 24 | $5.5B | $5.2B | ||
| Q3 24 | $5.7B | $5.3B | ||
| Q2 24 | $5.5B | $5.1B | ||
| Q1 24 | $5.6B | $5.1B |
总资产AGOMTG
| Q4 25 | — | $6.6B | ||
| Q3 25 | — | $6.6B | ||
| Q2 25 | — | $6.5B | ||
| Q1 25 | — | $6.5B | ||
| Q4 24 | $11.9B | $6.5B | ||
| Q3 24 | $12.3B | $6.7B | ||
| Q2 24 | $12.1B | $6.5B | ||
| Q1 24 | $12.2B | $6.5B |
负债/权益比AGOMTG
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.31× | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | 0.31× | — | ||
| Q1 24 | 0.30× | — |
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 | $46.0M | $230.8M |
| 自由现金流经营现金流 - 资本支出 | — | $230.2M |
| 自由现金流率自由现金流/营收 | — | 77.1% |
| 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 | 2.56× | 1.36× |
| 过去12个月自由现金流最近4个季度 | — | $851.8M |
8季度趋势，按日历期对齐
经营现金流AGOMTG
| Q4 25 | — | $230.8M | ||
| Q3 25 | — | $215.4M | ||
| Q2 25 | — | $183.0M | ||
| Q1 25 | — | $223.7M | ||
| Q4 24 | $46.0M | $182.4M | ||
| Q3 24 | $17.0M | $182.9M | ||
| Q2 24 | $58.0M | $169.2M | ||
| Q1 24 | $-74.0M | $190.5M |
自由现金流AGOMTG
| Q4 25 | — | $230.2M | ||
| Q3 25 | — | $215.1M | ||
| Q2 25 | — | $183.0M | ||
| Q1 25 | — | $223.5M | ||
| Q4 24 | — | $181.9M | ||
| Q3 24 | — | $182.5M | ||
| Q2 24 | — | $169.0M | ||
| Q1 24 | — | — |
自由现金流率AGOMTG
| Q4 25 | — | 77.1% | ||
| Q3 25 | — | 70.6% | ||
| Q2 25 | — | 60.1% | ||
| Q1 25 | — | 73.0% | ||
| Q4 24 | — | 60.3% | ||
| Q3 24 | — | 59.5% | ||
| Q2 24 | — | 55.3% | ||
| Q1 24 | — | — |
资本支出强度AGOMTG
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.0% |
现金转化率AGOMTG
| Q4 25 | — | 1.36× | ||
| Q3 25 | — | 1.13× | ||
| Q2 25 | — | 0.95× | ||
| Q1 25 | — | 1.21× | ||
| Q4 24 | 2.56× | 0.99× | ||
| Q3 24 | 0.10× | 0.91× | ||
| Q2 24 | 0.74× | 0.83× | ||
| Q1 24 | -0.68× | 1.09× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
