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ASSURED GUARANTY LTD（AGO）与RADIAN GROUP INC（RDN）财务数据对比。点击上方公司名可切换其他公司
过去两年RADIAN GROUP INC的营收复合增速更高（-10.2% 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。
瑞迪安集团（Radian Group Inc.）是一家专业的 mortgage 保险公司，业务涵盖抵押贷款保险、风险管控、房地产服务及产权服务等多个板块，为住房金融市场提供完善的配套服务支持，助力行业降低信贷相关风险。
AGO vs RDN — 直观对比
营收规模更大
RDN
是对方的Infinity倍
$0
两年增速更快
RDN
近两年复合增速
-100.0%
损益表 — Q4 2024 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $0 | $257.8M |
| 净利润 | $18.0M | $154.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 88.9% |
| 净利率 | — | 60.1% |
| 营收同比 | — | -18.4% |
| 净利润同比 | -95.2% | 4.4% |
| 每股收益（稀释后） | $0.40 | $1.11 |
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AGORDN
| Q4 25 | — | $257.8M | ||
| Q3 25 | — | $303.2M | ||
| Q2 25 | — | $318.0M | ||
| Q1 25 | — | $318.1M | ||
| Q4 24 | $0 | $315.9M | ||
| Q3 24 | $0 | $333.9M | ||
| Q2 24 | $0 | $321.1M | ||
| Q1 24 | $0 | $319.4M |
净利润AGORDN
| Q4 25 | — | $154.8M | ||
| Q3 25 | — | $141.4M | ||
| Q2 25 | — | $141.8M | ||
| Q1 25 | — | $144.6M | ||
| Q4 24 | $18.0M | $148.3M | ||
| Q3 24 | $171.0M | $151.9M | ||
| Q2 24 | $78.0M | $151.9M | ||
| Q1 24 | $109.0M | $152.4M |
毛利率AGORDN
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 97.4% | ||
| Q1 25 | — | 97.2% | ||
| Q4 24 | — | 96.9% | ||
| Q3 24 | — | 97.1% | ||
| Q2 24 | — | 97.0% | ||
| Q1 24 | — | 97.1% |
营业利润率AGORDN
| Q4 25 | — | 88.9% | ||
| Q3 25 | — | 65.5% | ||
| Q2 25 | — | 55.0% | ||
| Q1 25 | — | 59.2% | ||
| Q4 24 | — | 59.9% | ||
| Q3 24 | — | 58.5% | ||
| Q2 24 | — | 58.6% | ||
| Q1 24 | — | 62.2% |
净利率AGORDN
| Q4 25 | — | 60.1% | ||
| Q3 25 | — | 46.7% | ||
| Q2 25 | — | 44.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 46.9% | ||
| Q3 24 | — | 45.5% | ||
| Q2 24 | — | 47.3% | ||
| Q1 24 | — | 47.7% |
每股收益（稀释后）AGORDN
| Q4 25 | — | $1.11 | ||
| Q3 25 | — | $1.03 | ||
| Q2 25 | — | $1.02 | ||
| Q1 25 | — | $0.98 | ||
| Q4 24 | $0.40 | $0.97 | ||
| Q3 24 | $3.17 | $0.99 | ||
| Q2 24 | $1.41 | $0.98 | ||
| Q1 24 | $1.89 | $0.98 |
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 | $24.8M |
| 总债务越低越好 | $1.7B | — |
| 股东权益账面价值 | $5.5B | $4.8B |
| 总资产 | $11.9B | $8.1B |
| 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AGORDN
| Q4 25 | — | $24.8M | ||
| Q3 25 | — | $15.3M | ||
| Q2 25 | — | $22.1M | ||
| Q1 25 | — | $24.2M | ||
| Q4 24 | $1.2B | $38.8M | ||
| Q3 24 | $1.5B | $28.1M | ||
| Q2 24 | $1.7B | $13.8M | ||
| Q1 24 | $1.6B | $27.0M |
总债务AGORDN
| 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AGORDN
| Q4 25 | — | $4.8B | ||
| Q3 25 | — | $4.7B | ||
| Q2 25 | — | $4.5B | ||
| Q1 25 | — | $4.6B | ||
| Q4 24 | $5.5B | $4.6B | ||
| Q3 24 | $5.7B | $4.7B | ||
| Q2 24 | $5.5B | $4.5B | ||
| Q1 24 | $5.6B | $4.4B |
总资产AGORDN
| Q4 25 | — | $8.1B | ||
| Q3 25 | — | $8.2B | ||
| Q2 25 | — | $9.6B | ||
| Q1 25 | — | $8.8B | ||
| Q4 24 | $11.9B | $8.7B | ||
| Q3 24 | $12.3B | $8.4B | ||
| Q2 24 | $12.1B | $8.1B | ||
| Q1 24 | $12.2B | $7.8B |
负债/权益比AGORDN
| 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 | $407.0M |
| 自由现金流经营现金流 - 资本支出 | — | $406.1M |
| 自由现金流率自由现金流/营收 | — | 157.5% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | 2.56× | 2.63× |
| 过去12个月自由现金流最近4个季度 | — | $115.7M |
8季度趋势，按日历期对齐
经营现金流AGORDN
| Q4 25 | — | $407.0M | ||
| Q3 25 | — | $358.4M | ||
| Q2 25 | — | $-713.3M | ||
| Q1 25 | — | $67.8M | ||
| Q4 24 | $46.0M | $-269.4M | ||
| Q3 24 | $17.0M | $-237.9M | ||
| Q2 24 | $58.0M | $-207.3M | ||
| Q1 24 | $-74.0M | $51.0M |
自由现金流AGORDN
| Q4 25 | — | $406.1M | ||
| Q3 25 | — | $357.6M | ||
| Q2 25 | — | $-714.6M | ||
| Q1 25 | — | $66.6M | ||
| Q4 24 | — | $-269.8M | ||
| Q3 24 | — | $-238.1M | ||
| Q2 24 | — | $-208.3M | ||
| Q1 24 | — | $49.5M |
自由现金流率AGORDN
| Q4 25 | — | 157.5% | ||
| Q3 25 | — | 117.9% | ||
| Q2 25 | — | -224.7% | ||
| Q1 25 | — | 20.9% | ||
| Q4 24 | — | -85.4% | ||
| Q3 24 | — | -71.3% | ||
| Q2 24 | — | -64.9% | ||
| Q1 24 | — | 15.5% |
资本支出强度AGORDN
| Q4 25 | — | 0.3% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.5% |
现金转化率AGORDN
| Q4 25 | — | 2.63× | ||
| Q3 25 | — | 2.53× | ||
| Q2 25 | — | -5.03× | ||
| Q1 25 | — | 0.47× | ||
| Q4 24 | 2.56× | -1.82× | ||
| Q3 24 | 0.10× | -1.57× | ||
| Q2 24 | 0.74× | -1.36× | ||
| Q1 24 | -0.68× | 0.34× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
