vs
Assurant（AIZ）与高知特（CTSH）财务数据对比。点击上方公司名可切换其他公司
高知特的季度营收约是Assurant的1.6倍（$5.3B vs $3.4B），高知特净利率更高（12.2% vs 6.7%，领先5.4%），Assurant同比增速更快（7.9% vs 4.9%），高知特自由现金流更多（$781.0M vs $611.7M），过去两年Assurant的营收复合增速更高（7.9% vs 5.8%）
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。
高知特是美国跨国信息技术咨询与外包服务商，1994年成立于印度金奈，最初是邓白氏旗下内部技术部门，1996年起对外开展服务，现总部位于美国新泽西州蒂内克，为纳斯达克100指数成分股，股票代码CTSH。
AIZ vs CTSH — 直观对比
营收规模更大
CTSH
是对方的1.6倍
$3.4B
营收增速更快
AIZ
高出3.0%
4.9%
净利率更高
CTSH
高出5.4%
6.7%
自由现金流更多
CTSH
多$169.3M
$611.7M
两年增速更快
AIZ
近两年复合增速
5.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $5.3B |
| 净利润 | $225.2M | $648.0M |
| 毛利率 | — | — |
| 营业利润率 | 8.5% | 16.0% |
| 净利率 | 6.7% | 12.2% |
| 营收同比 | 7.9% | 4.9% |
| 净利润同比 | 11.9% | 18.7% |
| 每股收益（稀释后） | $4.37 | $1.35 |
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AIZCTSH
| Q4 25 | $3.4B | $5.3B | ||
| Q3 25 | $3.2B | $5.4B | ||
| Q2 25 | $3.2B | $5.2B | ||
| Q1 25 | $3.1B | $5.1B | ||
| Q4 24 | $3.1B | $5.1B | ||
| Q3 24 | $3.0B | $5.0B | ||
| Q2 24 | $2.9B | $4.8B | ||
| Q1 24 | $2.9B | $4.8B |
净利润AIZCTSH
| Q4 25 | $225.2M | $648.0M | ||
| Q3 25 | $265.6M | $274.0M | ||
| Q2 25 | $235.3M | $645.0M | ||
| Q1 25 | $146.6M | $663.0M | ||
| Q4 24 | $201.3M | $546.0M | ||
| Q3 24 | $133.8M | $582.0M | ||
| Q2 24 | $188.7M | $566.0M | ||
| Q1 24 | $236.4M | $546.0M |
营业利润率AIZCTSH
| Q4 25 | 8.5% | 16.0% | ||
| Q3 25 | 10.2% | 16.0% | ||
| Q2 25 | 9.2% | 15.6% | ||
| Q1 25 | 6.0% | 16.7% | ||
| Q4 24 | 8.1% | 14.8% | ||
| Q3 24 | 5.1% | 14.6% | ||
| Q2 24 | 8.0% | 14.6% | ||
| Q1 24 | 10.2% | 14.6% |
净利率AIZCTSH
| Q4 25 | 6.7% | 12.2% | ||
| Q3 25 | 8.2% | 5.1% | ||
| Q2 25 | 7.4% | 12.3% | ||
| Q1 25 | 4.8% | 13.0% | ||
| Q4 24 | 6.5% | 10.7% | ||
| Q3 24 | 4.5% | 11.5% | ||
| Q2 24 | 6.5% | 11.7% | ||
| Q1 24 | 8.2% | 11.5% |
每股收益（稀释后）AIZCTSH
| Q4 25 | $4.37 | $1.35 | ||
| Q3 25 | $5.17 | $0.56 | ||
| Q2 25 | $4.56 | $1.31 | ||
| Q1 25 | $2.83 | $1.34 | ||
| Q4 24 | $3.86 | $1.10 | ||
| Q3 24 | $2.55 | $1.17 | ||
| Q2 24 | $3.58 | $1.14 | ||
| Q1 24 | $4.47 | $1.10 |
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 | $1.9B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.9B | $15.0B |
| 总资产 | $36.3B | $20.7B |
| 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AIZCTSH
| Q4 25 | $1.8B | $1.9B | ||
| Q3 25 | $1.7B | $2.4B | ||
| Q2 25 | $1.5B | $1.8B | ||
| Q1 25 | $1.7B | $2.0B | ||
| Q4 24 | $1.8B | $2.2B | ||
| Q3 24 | $1.8B | $2.0B | ||
| Q2 24 | $1.7B | $2.2B | ||
| Q1 24 | $1.3B | $2.2B |
股东权益AIZCTSH
| Q4 25 | $5.9B | $15.0B | ||
| Q3 25 | $5.8B | $14.9B | ||
| Q2 25 | $5.5B | $15.3B | ||
| Q1 25 | $5.2B | $14.9B | ||
| Q4 24 | $5.1B | $14.4B | ||
| Q3 24 | $5.3B | $14.5B | ||
| Q2 24 | $5.0B | $13.9B | ||
| Q1 24 | $4.9B | $13.5B |
总资产AIZCTSH
| Q4 25 | $36.3B | $20.7B | ||
| Q3 25 | $35.8B | $20.1B | ||
| Q2 25 | $35.5B | $20.2B | ||
| Q1 25 | $35.0B | $20.0B | ||
| Q4 24 | $35.0B | $20.0B | ||
| Q3 24 | $35.3B | $20.2B | ||
| Q2 24 | $33.8B | $18.6B | ||
| Q1 24 | $33.2B | $18.4B |
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 | $858.0M |
| 自由现金流经营现金流 - 资本支出 | $611.7M | $781.0M |
| 自由现金流率自由现金流/营收 | 18.3% | 14.6% |
| 资本支出强度资本支出/营收 | 1.8% | 1.4% |
| 现金转化率经营现金流/净利润 | 2.98× | 1.32× |
| 过去12个月自由现金流最近4个季度 | $1.6B | $2.6B |
8季度趋势，按日历期对齐
经营现金流AIZCTSH
| Q4 25 | $671.0M | $858.0M | ||
| Q3 25 | $505.0M | $1.2B | ||
| Q2 25 | $265.5M | $398.0M | ||
| Q1 25 | $392.4M | $400.0M | ||
| Q4 24 | $102.8M | $920.0M | ||
| Q3 24 | $436.5M | $847.0M | ||
| Q2 24 | $710.9M | $262.0M | ||
| Q1 24 | $82.5M | $95.0M |
自由现金流AIZCTSH
| Q4 25 | $611.7M | $781.0M | ||
| Q3 25 | $442.1M | $1.2B | ||
| Q2 25 | $205.6M | $331.0M | ||
| Q1 25 | $339.0M | $323.0M | ||
| Q4 24 | $34.8M | $837.0M | ||
| Q3 24 | $389.4M | $791.0M | ||
| Q2 24 | $655.5M | $183.0M | ||
| Q1 24 | $31.7M | $16.0M |
自由现金流率AIZCTSH
| Q4 25 | 18.3% | 14.6% | ||
| Q3 25 | 13.7% | 21.4% | ||
| Q2 25 | 6.5% | 6.3% | ||
| Q1 25 | 11.0% | 6.3% | ||
| Q4 24 | 1.1% | 16.5% | ||
| Q3 24 | 13.1% | 15.7% | ||
| Q2 24 | 22.4% | 3.8% | ||
| Q1 24 | 1.1% | 0.3% |
资本支出强度AIZCTSH
| Q4 25 | 1.8% | 1.4% | ||
| Q3 25 | 1.9% | 1.2% | ||
| Q2 25 | 1.9% | 1.3% | ||
| Q1 25 | 1.7% | 1.5% | ||
| Q4 24 | 2.2% | 1.6% | ||
| Q3 24 | 1.6% | 1.1% | ||
| Q2 24 | 1.9% | 1.6% | ||
| Q1 24 | 1.8% | 1.7% |
现金转化率AIZCTSH
| Q4 25 | 2.98× | 1.32× | ||
| Q3 25 | 1.90× | 4.48× | ||
| Q2 25 | 1.13× | 0.62× | ||
| Q1 25 | 2.68× | 0.60× | ||
| Q4 24 | 0.51× | 1.68× | ||
| Q3 24 | 3.26× | 1.46× | ||
| Q2 24 | 3.77× | 0.46× | ||
| Q1 24 | 0.35× | 0.17× |
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% |
CTSH
| Health Sciences | $1.4B | 25% |
| Financial Services | $1.1B | 21% |
| Consulting And Technology Services | $944.0M | 18% |
| Productsand Resources | $921.0M | 17% |
| Outsourcing Services | $677.0M | 13% |
| Transaction Or Volume Based | $308.0M | 6% |
