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Assurant（AIZ）与Dollar Tree（DLTR）财务数据对比。点击上方公司名可切换其他公司
Dollar Tree的季度营收约是Assurant的1.4倍（$4.7B vs $3.4B），Assurant净利率更高（6.7% vs 5.2%，领先1.6%），Assurant同比增速更快（7.9% vs -37.2%），Assurant自由现金流更多（$611.7M vs $-57.1M），过去两年Assurant的营收复合增速更高（7.9% vs -25.9%）
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。
Dollar Tree是美国多价位折扣百货连锁企业，位列《财富》500强，总部位于弗吉尼亚州切萨皮克。公司在美国本土48个毗连州及加拿大共运营15115家门店，旗下24个配送中心组成的全国物流网络为所有门店提供运营支持。
AIZ vs DLTR — 直观对比
营收规模更大
DLTR
是对方的1.4倍
$3.4B
营收增速更快
AIZ
高出45.1%
-37.2%
净利率更高
AIZ
高出1.6%
5.2%
自由现金流更多
AIZ
多$668.8M
$-57.1M
两年增速更快
AIZ
近两年复合增速
-25.9%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $4.7B |
| 净利润 | $225.2M | $244.6M |
| 毛利率 | — | 35.8% |
| 营业利润率 | 8.5% | 7.2% |
| 净利率 | 6.7% | 5.2% |
| 营收同比 | 7.9% | -37.2% |
| 净利润同比 | 11.9% | 4.8% |
| 每股收益（稀释后） | $4.37 | $1.20 |
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AIZDLTR
| Q4 25 | $3.4B | $4.7B | ||
| Q3 25 | $3.2B | $4.6B | ||
| Q2 25 | $3.2B | $4.6B | ||
| Q1 25 | $3.1B | $5.0B | ||
| Q4 24 | $3.1B | $7.6B | ||
| Q3 24 | $3.0B | $7.4B | ||
| Q2 24 | $2.9B | $7.6B | ||
| Q1 24 | $2.9B | $8.6B |
净利润AIZDLTR
| Q4 25 | $225.2M | $244.6M | ||
| Q3 25 | $265.6M | $188.4M | ||
| Q2 25 | $235.3M | $343.4M | ||
| Q1 25 | $146.6M | $-3.7B | ||
| Q4 24 | $201.3M | $233.3M | ||
| Q3 24 | $133.8M | $132.4M | ||
| Q2 24 | $188.7M | $300.1M | ||
| Q1 24 | $236.4M | $-1.7B |
毛利率AIZDLTR
| Q4 25 | — | 35.8% | ||
| Q3 25 | — | 34.4% | ||
| Q2 25 | — | 35.6% | ||
| Q1 25 | — | 37.6% | ||
| Q4 24 | — | 30.9% | ||
| Q3 24 | — | 30.0% | ||
| Q2 24 | — | 30.8% | ||
| Q1 24 | — | 32.1% |
营业利润率AIZDLTR
| Q4 25 | 8.5% | 7.2% | ||
| Q3 25 | 10.2% | 5.1% | ||
| Q2 25 | 9.2% | 8.3% | ||
| Q1 25 | 6.0% | — | ||
| Q4 24 | 8.1% | 4.4% | ||
| Q3 24 | 5.1% | 2.8% | ||
| Q2 24 | 8.0% | 5.5% | ||
| Q1 24 | 10.2% | -21.9% |
净利率AIZDLTR
| Q4 25 | 6.7% | 5.2% | ||
| Q3 25 | 8.2% | 4.1% | ||
| Q2 25 | 7.4% | 7.4% | ||
| Q1 25 | 4.8% | -74.0% | ||
| Q4 24 | 6.5% | 3.1% | ||
| Q3 24 | 4.5% | 1.8% | ||
| Q2 24 | 6.5% | 3.9% | ||
| Q1 24 | 8.2% | -19.8% |
每股收益（稀释后）AIZDLTR
| Q4 25 | $4.37 | $1.20 | ||
| Q3 25 | $5.17 | $0.91 | ||
| Q2 25 | $4.56 | $1.61 | ||
| Q1 25 | $2.83 | $-17.17 | ||
| Q4 24 | $3.86 | $1.08 | ||
| Q3 24 | $2.55 | $0.62 | ||
| Q2 24 | $3.58 | $1.38 | ||
| Q1 24 | $4.47 | $-7.78 |
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 | $594.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.9B | $3.5B |
| 总资产 | $36.3B | $13.7B |
| 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AIZDLTR
| Q4 25 | $1.8B | $594.8M | ||
| Q3 25 | $1.7B | $666.3M | ||
| Q2 25 | $1.5B | $1.0B | ||
| Q1 25 | $1.7B | $1.3B | ||
| Q4 24 | $1.8B | $697.6M | ||
| Q3 24 | $1.8B | $570.3M | ||
| Q2 24 | $1.7B | $618.5M | ||
| Q1 24 | $1.3B | $684.9M |
总债务AIZDLTR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $3.4B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $3.4B |
股东权益AIZDLTR
| Q4 25 | $5.9B | $3.5B | ||
| Q3 25 | $5.8B | $3.6B | ||
| Q2 25 | $5.5B | $3.9B | ||
| Q1 25 | $5.2B | $4.0B | ||
| Q4 24 | $5.1B | $7.6B | ||
| Q3 24 | $5.3B | $7.4B | ||
| Q2 24 | $5.0B | $7.3B | ||
| Q1 24 | $4.9B | $7.3B |
总资产AIZDLTR
| Q4 25 | $36.3B | $13.7B | ||
| Q3 25 | $35.8B | $13.4B | ||
| Q2 25 | $35.5B | $18.3B | ||
| Q1 25 | $35.0B | $18.6B | ||
| Q4 24 | $35.0B | $23.3B | ||
| Q3 24 | $35.3B | $22.6B | ||
| Q2 24 | $33.8B | $22.1B | ||
| Q1 24 | $33.2B | $22.0B |
负债/权益比AIZDLTR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.86× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.47× |
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 | $319.3M |
| 自由现金流经营现金流 - 资本支出 | $611.7M | $-57.1M |
| 自由现金流率自由现金流/营收 | 18.3% | -1.2% |
| 资本支出强度资本支出/营收 | 1.8% | 7.9% |
| 现金转化率经营现金流/净利润 | 2.98× | 1.31× |
| 过去12个月自由现金流最近4个季度 | $1.6B | $394.5M |
8季度趋势，按日历期对齐
经营现金流AIZDLTR
| Q4 25 | $671.0M | $319.3M | ||
| Q3 25 | $505.0M | $260.7M | ||
| Q2 25 | $265.5M | $378.5M | ||
| Q1 25 | $392.4M | $405.1M | ||
| Q4 24 | $102.8M | $785.6M | ||
| Q3 24 | $436.5M | $306.9M | ||
| Q2 24 | $710.9M | $695.7M | ||
| Q1 24 | $82.5M | $1.3B |
自由现金流AIZDLTR
| Q4 25 | $611.7M | $-57.1M | ||
| Q3 25 | $442.1M | $15.6M | ||
| Q2 25 | $205.6M | $129.7M | ||
| Q1 25 | $339.0M | $306.3M | ||
| Q4 24 | $34.8M | $359.2M | ||
| Q3 24 | $389.4M | $-193.8M | ||
| Q2 24 | $655.5M | $223.5M | ||
| Q1 24 | $31.7M | $470.8M |
自由现金流率AIZDLTR
| Q4 25 | 18.3% | -1.2% | ||
| Q3 25 | 13.7% | 0.3% | ||
| Q2 25 | 6.5% | 2.8% | ||
| Q1 25 | 11.0% | 6.1% | ||
| Q4 24 | 1.1% | 4.8% | ||
| Q3 24 | 13.1% | -2.6% | ||
| Q2 24 | 22.4% | 2.9% | ||
| Q1 24 | 1.1% | 5.5% |
资本支出强度AIZDLTR
| Q4 25 | 1.8% | 7.9% | ||
| Q3 25 | 1.9% | 5.4% | ||
| Q2 25 | 1.9% | 5.4% | ||
| Q1 25 | 1.7% | 2.0% | ||
| Q4 24 | 2.2% | 5.6% | ||
| Q3 24 | 1.6% | 6.8% | ||
| Q2 24 | 1.9% | 6.2% | ||
| Q1 24 | 1.8% | 9.1% |
现金转化率AIZDLTR
| Q4 25 | 2.98× | 1.31× | ||
| Q3 25 | 1.90× | 1.38× | ||
| Q2 25 | 1.13× | 1.10× | ||
| Q1 25 | 2.68× | — | ||
| Q4 24 | 0.51× | 3.37× | ||
| Q3 24 | 3.26× | 2.32× | ||
| Q2 24 | 3.77× | 2.32× | ||
| 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% |
DLTR
| Consumable | $2.4B | 50% |
| Variety | $2.1B | 43% |
| Seasonal | $344.1M | 7% |
