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Assurant（AIZ）与爱玛客（ARMK）财务数据对比。点击上方公司名可切换其他公司
爱玛客的季度营收约是Assurant的1.4倍（$4.8B vs $3.4B），Assurant净利率更高（6.7% vs 2.0%，领先4.7%），Assurant同比增速更快（7.9% vs 6.1%），Assurant自由现金流更多（$611.7M vs $-904.4M），过去两年Assurant的营收复合增速更高（7.9% vs 7.3%）
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。
爱玛客是美国知名的餐饮服务与设施管理服务商，服务覆盖教育、司法监管、医疗、企业、休闲文旅等多个领域，业务遍布北美地区及英国、德国、智利、爱尔兰、西班牙在内的14个国家，为各场景客户提供专业后勤支持解决方案。
AIZ vs ARMK — 直观对比
营收规模更大
ARMK
是对方的1.4倍
$3.4B
营收增速更快
AIZ
高出1.8%
6.1%
净利率更高
AIZ
高出4.7%
2.0%
自由现金流更多
AIZ
多$1.5B
$-904.4M
两年增速更快
AIZ
近两年复合增速
7.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $4.8B |
| 净利润 | $225.2M | $96.2M |
| 毛利率 | — | — |
| 营业利润率 | 8.5% | 4.5% |
| 净利率 | 6.7% | 2.0% |
| 营收同比 | 7.9% | 6.1% |
| 净利润同比 | 11.9% | -9.0% |
| 每股收益（稀释后） | $4.37 | $0.36 |
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AIZARMK
| Q1 26 | — | $4.8B | ||
| Q4 25 | $3.4B | $5.0B | ||
| Q3 25 | $3.2B | — | ||
| Q2 25 | $3.2B | $4.6B | ||
| Q1 25 | $3.1B | $4.3B | ||
| Q4 24 | $3.1B | $4.6B | ||
| Q3 24 | $3.0B | $4.4B | ||
| Q2 24 | $2.9B | $4.4B |
净利润AIZARMK
| Q1 26 | — | $96.2M | ||
| Q4 25 | $225.2M | $87.1M | ||
| Q3 25 | $265.6M | — | ||
| Q2 25 | $235.3M | $71.8M | ||
| Q1 25 | $146.6M | $61.9M | ||
| Q4 24 | $201.3M | $105.6M | ||
| Q3 24 | $133.8M | $122.4M | ||
| Q2 24 | $188.7M | $58.1M |
营业利润率AIZARMK
| Q1 26 | — | 4.5% | ||
| Q4 25 | 8.5% | 4.3% | ||
| Q3 25 | 10.2% | — | ||
| Q2 25 | 9.2% | 3.9% | ||
| Q1 25 | 6.0% | 4.1% | ||
| Q4 24 | 8.1% | 4.8% | ||
| Q3 24 | 5.1% | 5.0% | ||
| Q2 24 | 8.0% | 3.7% |
净利率AIZARMK
| Q1 26 | — | 2.0% | ||
| Q4 25 | 6.7% | 1.7% | ||
| Q3 25 | 8.2% | — | ||
| Q2 25 | 7.4% | 1.6% | ||
| Q1 25 | 4.8% | 1.4% | ||
| Q4 24 | 6.5% | 2.3% | ||
| Q3 24 | 4.5% | 2.8% | ||
| Q2 24 | 6.5% | 1.3% |
每股收益（稀释后）AIZARMK
| Q1 26 | — | $0.36 | ||
| Q4 25 | $4.37 | $0.33 | ||
| Q3 25 | $5.17 | — | ||
| Q2 25 | $4.56 | $0.27 | ||
| Q1 25 | $2.83 | $0.23 | ||
| Q4 24 | $3.86 | $0.39 | ||
| Q3 24 | $2.55 | $0.46 | ||
| Q2 24 | $3.58 | $0.22 |
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 | $439.6M |
| 总债务越低越好 | — | $6.2B |
| 股东权益账面价值 | $5.9B | $3.2B |
| 总资产 | $36.3B | $13.5B |
| 负债/权益比越低杠杆越低 | — | 1.94× |
8季度趋势，按日历期对齐
现金及短期投资AIZARMK
| Q1 26 | — | $439.6M | ||
| Q4 25 | $1.8B | $639.1M | ||
| Q3 25 | $1.7B | — | ||
| Q2 25 | $1.5B | $501.5M | ||
| Q1 25 | $1.7B | $920.5M | ||
| Q4 24 | $1.8B | $484.1M | ||
| Q3 24 | $1.8B | $672.5M | ||
| Q2 24 | $1.7B | $436.1M |
总债务AIZARMK
| Q1 26 | — | $6.2B | ||
| Q4 25 | — | $5.4B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $6.3B | ||
| Q1 25 | — | $6.1B | ||
| Q4 24 | — | $5.0B | ||
| Q3 24 | — | $4.3B | ||
| Q2 24 | — | $5.0B |
股东权益AIZARMK
| Q1 26 | — | $3.2B | ||
| Q4 25 | $5.9B | $3.1B | ||
| Q3 25 | $5.8B | — | ||
| Q2 25 | $5.5B | $3.1B | ||
| Q1 25 | $5.2B | $3.0B | ||
| Q4 24 | $5.1B | $3.1B | ||
| Q3 24 | $5.3B | $3.0B | ||
| Q2 24 | $5.0B | $2.9B |
总资产AIZARMK
| Q1 26 | — | $13.5B | ||
| Q4 25 | $36.3B | $13.3B | ||
| Q3 25 | $35.8B | — | ||
| Q2 25 | $35.5B | $13.3B | ||
| Q1 25 | $35.0B | $13.5B | ||
| Q4 24 | $35.0B | $12.7B | ||
| Q3 24 | $35.3B | $12.7B | ||
| Q2 24 | $33.8B | $12.5B |
负债/权益比AIZARMK
| Q1 26 | — | 1.94× | ||
| Q4 25 | — | 1.71× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 2.03× | ||
| Q1 25 | — | 2.02× | ||
| Q4 24 | — | 1.61× | ||
| Q3 24 | — | 1.42× | ||
| Q2 24 | — | 1.71× |
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 | $-782.2M |
| 自由现金流经营现金流 - 资本支出 | $611.7M | $-904.4M |
| 自由现金流率自由现金流/营收 | 18.3% | -18.7% |
| 资本支出强度资本支出/营收 | 1.8% | 2.5% |
| 现金转化率经营现金流/净利润 | 2.98× | -8.13× |
| 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AIZARMK
| Q1 26 | — | $-782.2M | ||
| Q4 25 | $671.0M | — | ||
| Q3 25 | $505.0M | — | ||
| Q2 25 | $265.5M | $76.7M | ||
| Q1 25 | $392.4M | $255.9M | ||
| Q4 24 | $102.8M | $-587.2M | ||
| Q3 24 | $436.5M | $1.0B | ||
| Q2 24 | $710.9M | $140.7M |
自由现金流AIZARMK
| Q1 26 | — | $-904.4M | ||
| Q4 25 | $611.7M | — | ||
| Q3 25 | $442.1M | — | ||
| Q2 25 | $205.6M | $-34.7M | ||
| Q1 25 | $339.0M | $140.1M | ||
| Q4 24 | $34.8M | $-707.0M | ||
| Q3 24 | $389.4M | $882.3M | ||
| Q2 24 | $655.5M | $55.6M |
自由现金流率AIZARMK
| Q1 26 | — | -18.7% | ||
| Q4 25 | 18.3% | — | ||
| Q3 25 | 13.7% | — | ||
| Q2 25 | 6.5% | -0.8% | ||
| Q1 25 | 11.0% | 3.3% | ||
| Q4 24 | 1.1% | -15.5% | ||
| Q3 24 | 13.1% | 20.0% | ||
| Q2 24 | 22.4% | 1.3% |
资本支出强度AIZARMK
| Q1 26 | — | 2.5% | ||
| Q4 25 | 1.8% | 2.8% | ||
| Q3 25 | 1.9% | — | ||
| Q2 25 | 1.9% | 2.4% | ||
| Q1 25 | 1.7% | 2.7% | ||
| Q4 24 | 2.2% | 2.6% | ||
| Q3 24 | 1.6% | 3.2% | ||
| Q2 24 | 1.9% | 1.9% |
现金转化率AIZARMK
| Q1 26 | — | -8.13× | ||
| Q4 25 | 2.98× | — | ||
| Q3 25 | 1.90× | — | ||
| Q2 25 | 1.13× | 1.07× | ||
| Q1 25 | 2.68× | 4.14× | ||
| Q4 24 | 0.51× | -5.56× | ||
| Q3 24 | 3.26× | 8.35× | ||
| Q2 24 | 3.77× | 2.42× |
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% |
ARMK
| Education | $1.1B | 22% |
| Sports Leisure Corrections | $961.2M | 20% |
| Food And Support Services International | $847.8M | 18% |
| Other | $621.6M | 13% |
| Businessand Industry | $510.6M | 11% |
| Health Care | $421.3M | 9% |
| Facility Services | $382.9M | 8% |
