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Assurant（AIZ）与CSX Corporation（CSX）财务数据对比。点击上方公司名可切换其他公司
CSX Corporation的季度营收约是Assurant的1.0倍（$3.5B vs $3.4B），CSX Corporation净利率更高（23.2% vs 6.7%，领先16.5%），Assurant同比增速更快（7.9% vs 1.7%），CSX Corporation自由现金流更多（$793.0M vs $611.7M），过去两年Assurant的营收复合增速更高（7.9% vs -3.0%）
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。
CSX运输是美国一级货运铁路企业，业务覆盖美国东部区域及加拿大安大略省、魁北克省，运营铁路总里程约3.4万公里，隶属于总部位于佛罗里达州杰克逊维尔市的财富500强企业CSX Corporation，是其旗下核心子公司。
AIZ vs CSX — 直观对比
营收规模更大
CSX
是对方的1.0倍
$3.4B
营收增速更快
AIZ
高出6.2%
1.7%
净利率更高
CSX
高出16.5%
6.7%
自由现金流更多
CSX
多$181.3M
$611.7M
两年增速更快
AIZ
近两年复合增速
-3.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $3.5B |
| 净利润 | $225.2M | $807.0M |
| 毛利率 | — | — |
| 营业利润率 | 8.5% | 29.9% |
| 净利率 | 6.7% | 23.2% |
| 营收同比 | 7.9% | 1.7% |
| 净利润同比 | 11.9% | 401.2% |
| 每股收益（稀释后） | $4.37 | — |
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AIZCSX
| Q1 26 | — | $3.5B | ||
| Q4 25 | $3.4B | $3.5B | ||
| Q3 25 | $3.2B | $3.6B | ||
| Q2 25 | $3.2B | $3.6B | ||
| Q1 25 | $3.1B | $3.4B | ||
| Q4 24 | $3.1B | $3.5B | ||
| Q3 24 | $3.0B | $3.6B | ||
| Q2 24 | $2.9B | $3.7B |
净利润AIZCSX
| Q1 26 | — | $807.0M | ||
| Q4 25 | $225.2M | $720.0M | ||
| Q3 25 | $265.6M | $694.0M | ||
| Q2 25 | $235.3M | $829.0M | ||
| Q1 25 | $146.6M | $646.0M | ||
| Q4 24 | $201.3M | $720.0M | ||
| Q3 24 | $133.8M | $894.0M | ||
| Q2 24 | $188.7M | $963.0M |
营业利润率AIZCSX
| Q1 26 | — | 29.9% | ||
| Q4 25 | 8.5% | 31.6% | ||
| Q3 25 | 10.2% | 30.3% | ||
| Q2 25 | 9.2% | 35.9% | ||
| Q1 25 | 6.0% | 30.4% | ||
| Q4 24 | 8.1% | 30.8% | ||
| Q3 24 | 5.1% | 37.4% | ||
| Q2 24 | 8.0% | 39.1% |
净利率AIZCSX
| Q1 26 | — | 23.2% | ||
| Q4 25 | 6.7% | 20.5% | ||
| Q3 25 | 8.2% | 19.3% | ||
| Q2 25 | 7.4% | 23.2% | ||
| Q1 25 | 4.8% | 18.9% | ||
| Q4 24 | 6.5% | 20.3% | ||
| Q3 24 | 4.5% | 24.7% | ||
| Q2 24 | 6.5% | 26.0% |
每股收益（稀释后）AIZCSX
| Q1 26 | — | — | ||
| Q4 25 | $4.37 | $0.39 | ||
| Q3 25 | $5.17 | $0.37 | ||
| Q2 25 | $4.56 | $0.44 | ||
| Q1 25 | $2.83 | $0.34 | ||
| Q4 24 | $3.86 | $0.38 | ||
| Q3 24 | $2.55 | $0.46 | ||
| Q2 24 | $3.58 | $0.49 |
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 | $1.1B |
| 总债务越低越好 | — | $18.9B |
| 股东权益账面价值 | $5.9B | $13.6B |
| 总资产 | $36.3B | $44.2B |
| 负债/权益比越低杠杆越低 | — | 1.39× |
8季度趋势，按日历期对齐
现金及短期投资AIZCSX
| Q1 26 | — | $1.1B | ||
| Q4 25 | $1.8B | $5.0M | ||
| Q3 25 | $1.7B | $6.0M | ||
| Q2 25 | $1.5B | $6.0M | ||
| Q1 25 | $1.7B | $8.0M | ||
| Q4 24 | $1.8B | $72.0M | ||
| Q3 24 | $1.8B | $12.0M | ||
| Q2 24 | $1.7B | $4.0M |
总债务AIZCSX
| Q1 26 | — | $18.9B | ||
| Q4 25 | — | $18.2B | ||
| Q3 25 | — | $18.6B | ||
| Q2 25 | — | $18.6B | ||
| Q1 25 | — | $18.5B | ||
| Q4 24 | — | $17.9B | ||
| Q3 24 | — | $18.5B | ||
| Q2 24 | — | $18.0B |
股东权益AIZCSX
| Q1 26 | — | $13.6B | ||
| Q4 25 | $5.9B | $13.2B | ||
| Q3 25 | $5.8B | $12.8B | ||
| Q2 25 | $5.5B | $12.4B | ||
| Q1 25 | $5.2B | $12.2B | ||
| Q4 24 | $5.1B | $12.5B | ||
| Q3 24 | $5.3B | $12.9B | ||
| Q2 24 | $5.0B | $12.6B |
总资产AIZCSX
| Q1 26 | — | $44.2B | ||
| Q4 25 | $36.3B | $43.7B | ||
| Q3 25 | $35.8B | $43.3B | ||
| Q2 25 | $35.5B | $42.9B | ||
| Q1 25 | $35.0B | $43.2B | ||
| Q4 24 | $35.0B | $42.8B | ||
| Q3 24 | $35.3B | $43.1B | ||
| Q2 24 | $33.8B | $42.4B |
负债/权益比AIZCSX
| Q1 26 | — | 1.39× | ||
| Q4 25 | — | 1.38× | ||
| Q3 25 | — | 1.45× | ||
| Q2 25 | — | 1.50× | ||
| Q1 25 | — | 1.52× | ||
| Q4 24 | — | 1.43× | ||
| Q3 24 | — | 1.43× | ||
| Q2 24 | — | 1.42× |
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 | $1.3B |
| 自由现金流经营现金流 - 资本支出 | $611.7M | $793.0M |
| 自由现金流率自由现金流/营收 | 18.3% | 22.8% |
| 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× | 1.58× |
| 过去12个月自由现金流最近4个季度 | $1.6B | $2.0B |
8季度趋势，按日历期对齐
经营现金流AIZCSX
| Q1 26 | — | $1.3B | ||
| Q4 25 | $671.0M | $1.4B | ||
| Q3 25 | $505.0M | $1.3B | ||
| Q2 25 | $265.5M | $635.0M | ||
| Q1 25 | $392.4M | $1.3B | ||
| Q4 24 | $102.8M | $1.4B | ||
| Q3 24 | $436.5M | $1.7B | ||
| Q2 24 | $710.9M | $1.1B |
自由现金流AIZCSX
| Q1 26 | — | $793.0M | ||
| Q4 25 | $611.7M | $709.0M | ||
| Q3 25 | $442.1M | $607.0M | ||
| Q2 25 | $205.6M | $-141.0M | ||
| Q1 25 | $339.0M | $536.0M | ||
| Q4 24 | $34.8M | $550.0M | ||
| Q3 24 | $389.4M | $1.1B | ||
| Q2 24 | $655.5M | $547.0M |
自由现金流率AIZCSX
| Q1 26 | — | 22.8% | ||
| Q4 25 | 18.3% | 20.2% | ||
| Q3 25 | 13.7% | 16.9% | ||
| Q2 25 | 6.5% | -3.9% | ||
| Q1 25 | 11.0% | 15.7% | ||
| Q4 24 | 1.1% | 15.5% | ||
| Q3 24 | 13.1% | 29.3% | ||
| Q2 24 | 22.4% | 14.8% |
资本支出强度AIZCSX
| Q1 26 | — | — | ||
| Q4 25 | 1.8% | 19.3% | ||
| Q3 25 | 1.9% | 20.4% | ||
| Q2 25 | 1.9% | 21.7% | ||
| Q1 25 | 1.7% | 21.0% | ||
| Q4 24 | 2.2% | 23.7% | ||
| Q3 24 | 1.6% | 17.3% | ||
| Q2 24 | 1.9% | 14.6% |
现金转化率AIZCSX
| Q1 26 | — | 1.58× | ||
| Q4 25 | 2.98× | 1.93× | ||
| Q3 25 | 1.90× | 1.93× | ||
| Q2 25 | 1.13× | 0.77× | ||
| Q1 25 | 2.68× | 1.94× | ||
| Q4 24 | 0.51× | 1.93× | ||
| Q3 24 | 3.26× | 1.89× | ||
| Q2 24 | 3.77× | 1.13× |
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% |
CSX
暂无分部数据
