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AIFU Inc.（AIFU）与Hagerty, Inc.（HGTY）财务数据对比。点击上方公司名可切换其他公司
Hagerty, Inc.的季度营收约是AIFU Inc.的12.6倍（$150.8M vs $12.0M）。AIFU Inc.净利率更高（25.3% vs 18.9%，领先6.4%）
哈格蒂（Hagerty, Inc.）是美国知名汽车生活方式及会员服务企业，同时是全球规模最大的经典老爷车特种保险供应商，总部位于密歇根州特拉弗斯城，业务范围覆盖加拿大、德国及英国市场。
AIFU vs HGTY — 直观对比
营收规模更大
HGTY
是对方的12.6倍
$12.0M
净利率更高
AIFU
高出6.4%
18.9%
损益表 — Q3 2023 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $12.0M | $150.8M |
| 净利润 | $3.0M | $28.6M |
| 毛利率 | — | — |
| 营业利润率 | 5.2% | 26.3% |
| 净利率 | 25.3% | 18.9% |
| 营收同比 | — | 30.7% |
| 净利润同比 | — | 238.4% |
| 每股收益（稀释后） | — | — |
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AIFUHGTY
| Q4 25 | — | $150.8M | ||
| Q3 25 | — | $190.0M | ||
| Q2 25 | — | $188.5M | ||
| Q1 25 | — | $148.4M | ||
| Q4 24 | — | $115.4M | ||
| Q3 24 | — | $157.7M | ||
| Q2 24 | — | $155.6M | ||
| Q1 24 | — | $120.1M |
净利润AIFUHGTY
| Q4 25 | — | $28.6M | ||
| Q3 25 | — | $46.2M | ||
| Q2 25 | — | $47.2M | ||
| Q1 25 | — | $27.3M | ||
| Q4 24 | — | $8.4M | ||
| Q3 24 | — | $19.0M | ||
| Q2 24 | — | $42.7M | ||
| Q1 24 | — | $8.2M |
营业利润率AIFUHGTY
| Q4 25 | — | 26.3% | ||
| Q3 25 | — | 18.1% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 17.3% | ||
| Q4 24 | — | 5.2% | ||
| Q3 24 | — | 6.4% | ||
| Q2 24 | — | 24.5% | ||
| Q1 24 | — | 10.2% |
净利率AIFUHGTY
| Q4 25 | — | 18.9% | ||
| Q3 25 | — | 24.3% | ||
| Q2 25 | — | 25.0% | ||
| Q1 25 | — | 18.4% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | — | 27.4% | ||
| Q1 24 | — | 6.8% |
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 | $28.3M | $160.2M |
| 总债务越低越好 | — | $177.9M |
| 股东权益账面价值 | $40.5M | $221.3M |
| 总资产 | $75.8M | $2.1B |
| 负债/权益比越低杠杆越低 | — | 0.80× |
8季度趋势，按日历期对齐
现金及短期投资AIFUHGTY
| Q4 25 | — | $160.2M | ||
| Q3 25 | — | $290.5M | ||
| Q2 25 | — | $259.6M | ||
| Q1 25 | — | $232.7M | ||
| Q4 24 | — | $178.7M | ||
| Q3 24 | — | $208.9M | ||
| Q2 24 | — | $186.4M | ||
| Q1 24 | — | $131.2M |
总债务AIFUHGTY
| Q4 25 | — | $177.9M | ||
| Q3 25 | — | $104.4M | ||
| Q2 25 | — | $153.4M | ||
| Q1 25 | — | $132.6M | ||
| Q4 24 | — | $105.0M | ||
| Q3 24 | — | $122.9M | ||
| Q2 24 | — | $98.0M | ||
| Q1 24 | — | $91.5M |
股东权益AIFUHGTY
| Q4 25 | — | $221.3M | ||
| Q3 25 | — | $211.7M | ||
| Q2 25 | — | $172.3M | ||
| Q1 25 | — | $162.9M | ||
| Q4 24 | — | $150.3M | ||
| Q3 24 | — | $148.3M | ||
| Q2 24 | — | $94.4M | ||
| Q1 24 | — | $93.5M |
总资产AIFUHGTY
| Q4 25 | — | $2.1B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $2.0B | ||
| Q1 25 | — | $1.8B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.8B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.6B |
负债/权益比AIFUHGTY
| Q4 25 | — | 0.80× | ||
| Q3 25 | — | 0.49× | ||
| Q2 25 | — | 0.89× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.70× | ||
| Q3 24 | — | 0.83× | ||
| Q2 24 | — | 1.04× | ||
| Q1 24 | — | 0.98× |
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 | $242.5K | $29.1M |
| 自由现金流经营现金流 - 资本支出 | — | $23.1M |
| 自由现金流率自由现金流/营收 | — | 15.3% |
| 资本支出强度资本支出/营收 | — | 4.0% |
| 现金转化率经营现金流/净利润 | 0.08× | 1.02× |
| 过去12个月自由现金流最近4个季度 | — | $194.5M |
8季度趋势，按日历期对齐
经营现金流AIFUHGTY
| Q4 25 | — | $29.1M | ||
| Q3 25 | — | $92.2M | ||
| Q2 25 | — | $53.9M | ||
| Q1 25 | — | $43.8M | ||
| Q4 24 | — | $-12.6M | ||
| Q3 24 | — | $67.4M | ||
| Q2 24 | — | $64.0M | ||
| Q1 24 | — | $58.2M |
自由现金流AIFUHGTY
| Q4 25 | — | $23.1M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $47.7M | ||
| Q1 25 | — | $38.4M | ||
| Q4 24 | — | $-16.7M | ||
| Q3 24 | — | $62.0M | ||
| Q2 24 | — | $56.6M | ||
| Q1 24 | — | $53.7M |
自由现金流率AIFUHGTY
| Q4 25 | — | 15.3% | ||
| Q3 25 | — | 44.9% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | -14.5% | ||
| Q3 24 | — | 39.3% | ||
| Q2 24 | — | 36.4% | ||
| Q1 24 | — | 44.7% |
资本支出强度AIFUHGTY
| Q4 25 | — | 4.0% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | 3.6% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 3.4% | ||
| Q2 24 | — | 4.8% | ||
| Q1 24 | — | 3.8% |
现金转化率AIFUHGTY
| Q4 25 | — | 1.02× | ||
| Q3 25 | — | 2.00× | ||
| Q2 25 | — | 1.14× | ||
| Q1 25 | — | 1.61× | ||
| Q4 24 | — | -1.50× | ||
| Q3 24 | — | 3.55× | ||
| Q2 24 | — | 1.50× | ||
| Q1 24 | — | 7.10× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
