vs
Assurant（AIZ）与爱尔康（ALC）财务数据对比。点击上方公司名可切换其他公司
Assurant的季度营收约是爱尔康的1.3倍（$3.4B vs $2.6B），爱尔康净利率更高（6.8% vs 6.7%，领先0.1%），Assurant同比增速更快（7.9% vs 4.0%）
Assurant Inc.是总部位于美国亚特兰大的全球化风险管理产品及服务供应商，旗下业务覆盖财产意外险、电子设备延保、预售丧葬险等多个细分领域的特色保险产品，核心运营板块分为全球住房业务和全球生活方式业务两大板块。
爱尔康是瑞美合资的制药及医疗器械企业，专注于眼健康护理产品领域。公司注册地为瑞士弗里堡州，全球总部设于日内瓦，核心运营基地位于美国得克萨斯州沃思堡，当地员工规模约4500人。
AIZ vs ALC — 直观对比
营收规模更大
AIZ
是对方的1.3倍
$2.6B
营收增速更快
AIZ
高出3.9%
4.0%
净利率更高
ALC
高出0.1%
6.7%
损益表 — Q4 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $2.6B |
| 净利润 | $225.2M | $176.0M |
| 毛利率 | — | 53.5% |
| 营业利润率 | 8.5% | 9.5% |
| 净利率 | 6.7% | 6.8% |
| 营收同比 | 7.9% | 4.0% |
| 净利润同比 | 11.9% | -21.1% |
| 每股收益（稀释后） | $4.37 | $0.35 |
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AIZALC
| Q4 25 | $3.4B | — | ||
| Q3 25 | $3.2B | — | ||
| Q2 25 | $3.2B | $2.6B | ||
| Q1 25 | $3.1B | — | ||
| Q4 24 | $3.1B | — | ||
| Q3 24 | $3.0B | — | ||
| Q2 24 | $2.9B | $2.5B | ||
| Q1 24 | $2.9B | — |
净利润AIZALC
| Q4 25 | $225.2M | — | ||
| Q3 25 | $265.6M | — | ||
| Q2 25 | $235.3M | $176.0M | ||
| Q1 25 | $146.6M | — | ||
| Q4 24 | $201.3M | — | ||
| Q3 24 | $133.8M | — | ||
| Q2 24 | $188.7M | $223.0M | ||
| Q1 24 | $236.4M | — |
毛利率AIZALC
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 53.5% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 55.0% | ||
| Q1 24 | — | — |
营业利润率AIZALC
| Q4 25 | 8.5% | — | ||
| Q3 25 | 10.2% | — | ||
| Q2 25 | 9.2% | 9.5% | ||
| Q1 25 | 6.0% | — | ||
| Q4 24 | 8.1% | — | ||
| Q3 24 | 5.1% | — | ||
| Q2 24 | 8.0% | 12.7% | ||
| Q1 24 | 10.2% | — |
净利率AIZALC
| Q4 25 | 6.7% | — | ||
| Q3 25 | 8.2% | — | ||
| Q2 25 | 7.4% | 6.8% | ||
| Q1 25 | 4.8% | — | ||
| Q4 24 | 6.5% | — | ||
| Q3 24 | 4.5% | — | ||
| Q2 24 | 6.5% | 8.9% | ||
| Q1 24 | 8.2% | — |
每股收益（稀释后）AIZALC
| Q4 25 | $4.37 | — | ||
| Q3 25 | $5.17 | — | ||
| Q2 25 | $4.56 | $0.35 | ||
| Q1 25 | $2.83 | — | ||
| Q4 24 | $3.86 | — | ||
| Q3 24 | $2.55 | — | ||
| Q2 24 | $3.58 | $0.45 | ||
| Q1 24 | $4.47 | — |
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 | $1.8B | $1.4B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.9B | $22.1B |
| 总资产 | $36.3B | $31.4B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资AIZALC
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.7B | — | ||
| Q2 25 | $1.5B | $1.4B | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.8B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $1.7B | $1.4B | ||
| Q1 24 | $1.3B | — |
股东权益AIZALC
| Q4 25 | $5.9B | — | ||
| Q3 25 | $5.8B | — | ||
| Q2 25 | $5.5B | $22.1B | ||
| Q1 25 | $5.2B | — | ||
| Q4 24 | $5.1B | — | ||
| Q3 24 | $5.3B | — | ||
| Q2 24 | $5.0B | $20.9B | ||
| Q1 24 | $4.9B | — |
总资产AIZALC
| Q4 25 | $36.3B | — | ||
| Q3 25 | $35.8B | — | ||
| Q2 25 | $35.5B | $31.4B | ||
| Q1 25 | $35.0B | — | ||
| Q4 24 | $35.0B | — | ||
| Q3 24 | $35.3B | — | ||
| Q2 24 | $33.8B | $29.7B | ||
| Q1 24 | $33.2B | — |
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 | $671.0M | — |
| 自由现金流经营现金流 - 资本支出 | $611.7M | — |
| 自由现金流率自由现金流/营收 | 18.3% | — |
| 资本支出强度资本支出/营收 | 1.8% | — |
| 现金转化率经营现金流/净利润 | 2.98× | — |
| 过去12个月自由现金流最近4个季度 | $1.6B | — |
8季度趋势，按日历期对齐
经营现金流AIZALC
| Q4 25 | $671.0M | — | ||
| Q3 25 | $505.0M | — | ||
| Q2 25 | $265.5M | — | ||
| Q1 25 | $392.4M | — | ||
| Q4 24 | $102.8M | — | ||
| Q3 24 | $436.5M | — | ||
| Q2 24 | $710.9M | — | ||
| Q1 24 | $82.5M | — |
自由现金流AIZALC
| Q4 25 | $611.7M | — | ||
| Q3 25 | $442.1M | — | ||
| Q2 25 | $205.6M | — | ||
| Q1 25 | $339.0M | — | ||
| Q4 24 | $34.8M | — | ||
| Q3 24 | $389.4M | — | ||
| Q2 24 | $655.5M | — | ||
| Q1 24 | $31.7M | — |
自由现金流率AIZALC
| Q4 25 | 18.3% | — | ||
| Q3 25 | 13.7% | — | ||
| Q2 25 | 6.5% | — | ||
| Q1 25 | 11.0% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 13.1% | — | ||
| Q2 24 | 22.4% | — | ||
| Q1 24 | 1.1% | — |
资本支出强度AIZALC
| Q4 25 | 1.8% | — | ||
| Q3 25 | 1.9% | — | ||
| Q2 25 | 1.9% | — | ||
| Q1 25 | 1.7% | — | ||
| Q4 24 | 2.2% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 1.9% | — | ||
| Q1 24 | 1.8% | — |
现金转化率AIZALC
| Q4 25 | 2.98× | — | ||
| Q3 25 | 1.90× | — | ||
| Q2 25 | 1.13× | — | ||
| Q1 25 | 2.68× | — | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 3.26× | — | ||
| Q2 24 | 3.77× | — | ||
| Q1 24 | 0.35× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AIZ
| Global Lifestyle | $2.6B | 78% |
| Global Housing | $749.1M | 22% |
| Service Contracts And Sales | $34.5M | 1% |
ALC
暂无分部数据
