vs
Assurant（AIZ）与李维斯（LEVI）财务数据对比。点击上方公司名可切换其他公司
Assurant的季度营收约是李维斯的1.9倍（$3.4B vs $1.8B），李维斯净利率更高（8.9% vs 6.7%，领先2.2%），Assurant同比增速更快（7.9% vs -4.0%），Assurant自由现金流更多（$611.7M vs $215.7M），过去两年Assurant的营收复合增速更高（7.9% vs 6.5%）
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。
李维斯（Levi Strauss & Co.）是全球知名的美国服饰企业，凭借旗下Levi's品牌丹宁牛仔裤享誉全球。公司创立于1853年5月，由德裔犹太移民李维·斯特劳斯在旧金山成立，注册地为特拉华州，总部设在旧金山李维斯广场。
AIZ vs LEVI — 直观对比
营收规模更大
AIZ
是对方的1.9倍
$1.8B
营收增速更快
AIZ
高出11.9%
-4.0%
净利率更高
LEVI
高出2.2%
6.7%
自由现金流更多
AIZ
多$396.0M
$215.7M
两年增速更快
AIZ
近两年复合增速
6.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $1.8B |
| 净利润 | $225.2M | $158.0M |
| 毛利率 | — | 60.8% |
| 营业利润率 | 8.5% | 11.9% |
| 净利率 | 6.7% | 8.9% |
| 营收同比 | 7.9% | -4.0% |
| 净利润同比 | 11.9% | -13.4% |
| 每股收益（稀释后） | $4.37 | $0.39 |
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AIZLEVI
| Q4 25 | $3.4B | $1.8B | ||
| Q3 25 | $3.2B | $1.5B | ||
| Q2 25 | $3.2B | $1.4B | ||
| Q1 25 | $3.1B | $1.5B | ||
| Q4 24 | $3.1B | $1.8B | ||
| Q3 24 | $3.0B | $1.5B | ||
| Q2 24 | $2.9B | $1.4B | ||
| Q1 24 | $2.9B | $1.6B |
净利润AIZLEVI
| Q4 25 | $225.2M | $158.0M | ||
| Q3 25 | $265.6M | $218.1M | ||
| Q2 25 | $235.3M | $67.0M | ||
| Q1 25 | $146.6M | $135.0M | ||
| Q4 24 | $201.3M | $182.5M | ||
| Q3 24 | $133.8M | $20.7M | ||
| Q2 24 | $188.7M | $18.0M | ||
| Q1 24 | $236.4M | $-10.6M |
毛利率AIZLEVI
| Q4 25 | — | 60.8% | ||
| Q3 25 | — | 61.7% | ||
| Q2 25 | — | 62.6% | ||
| Q1 25 | — | 62.1% | ||
| Q4 24 | — | 61.3% | ||
| Q3 24 | — | 60.0% | ||
| Q2 24 | — | 60.5% | ||
| Q1 24 | — | 58.2% |
营业利润率AIZLEVI
| Q4 25 | 8.5% | 11.9% | ||
| Q3 25 | 10.2% | 10.8% | ||
| Q2 25 | 9.2% | 7.5% | ||
| Q1 25 | 6.0% | 12.5% | ||
| Q4 24 | 8.1% | 11.5% | ||
| Q3 24 | 5.1% | 2.0% | ||
| Q2 24 | 8.0% | 1.5% | ||
| Q1 24 | 10.2% | -0.0% |
净利率AIZLEVI
| Q4 25 | 6.7% | 8.9% | ||
| Q3 25 | 8.2% | 14.1% | ||
| Q2 25 | 7.4% | 4.6% | ||
| Q1 25 | 4.8% | 8.8% | ||
| Q4 24 | 6.5% | 9.9% | ||
| Q3 24 | 4.5% | 1.4% | ||
| Q2 24 | 6.5% | 1.2% | ||
| Q1 24 | 8.2% | -0.7% |
每股收益（稀释后）AIZLEVI
| Q4 25 | $4.37 | $0.39 | ||
| Q3 25 | $5.17 | $0.55 | ||
| Q2 25 | $4.56 | $0.17 | ||
| Q1 25 | $2.83 | $0.34 | ||
| Q4 24 | $3.86 | $0.46 | ||
| Q3 24 | $2.55 | $0.05 | ||
| Q2 24 | $3.58 | $0.04 | ||
| Q1 24 | $4.47 | $-0.03 |
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 | $848.8M |
| 总债务越低越好 | — | $1.1B |
| 股东权益账面价值 | $5.9B | $2.3B |
| 总资产 | $36.3B | $6.8B |
| 负债/权益比越低杠杆越低 | — | 0.46× |
8季度趋势，按日历期对齐
现金及短期投资AIZLEVI
| Q4 25 | $1.8B | $848.8M | ||
| Q3 25 | $1.7B | $707.5M | ||
| Q2 25 | $1.5B | $736.7M | ||
| Q1 25 | $1.7B | $574.4M | ||
| Q4 24 | $1.8B | $690.0M | ||
| Q3 24 | $1.8B | $577.1M | ||
| Q2 24 | $1.7B | $641.4M | ||
| Q1 24 | $1.3B | $516.7M |
总债务AIZLEVI
| Q4 25 | — | $1.1B | ||
| Q3 25 | — | $1.0B | ||
| Q2 25 | — | $1.0B | ||
| Q1 25 | — | $987.4M | ||
| Q4 24 | — | $994.0M | ||
| Q3 24 | — | $1.0B | ||
| Q2 24 | — | $1.0B | ||
| Q1 24 | — | $1.0B |
股东权益AIZLEVI
| Q4 25 | $5.9B | $2.3B | ||
| Q3 25 | $5.8B | $2.2B | ||
| Q2 25 | $5.5B | $2.1B | ||
| Q1 25 | $5.2B | $2.0B | ||
| Q4 24 | $5.1B | $2.0B | ||
| Q3 24 | $5.3B | $1.9B | ||
| Q2 24 | $5.0B | $2.0B | ||
| Q1 24 | $4.9B | $2.0B |
总资产AIZLEVI
| Q4 25 | $36.3B | $6.8B | ||
| Q3 25 | $35.8B | $6.7B | ||
| Q2 25 | $35.5B | $6.5B | ||
| Q1 25 | $35.0B | $6.2B | ||
| Q4 24 | $35.0B | $6.4B | ||
| Q3 24 | $35.3B | $6.3B | ||
| Q2 24 | $33.8B | $6.2B | ||
| Q1 24 | $33.2B | $6.0B |
负债/权益比AIZLEVI
| Q4 25 | — | 0.46× | ||
| Q3 25 | — | 0.48× | ||
| Q2 25 | — | 0.49× | ||
| Q1 25 | — | 0.49× | ||
| Q4 24 | — | 0.50× | ||
| Q3 24 | — | 0.54× | ||
| Q2 24 | — | 0.51× | ||
| Q1 24 | — | 0.51× |
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 | $266.8M |
| 自由现金流经营现金流 - 资本支出 | $611.7M | $215.7M |
| 自由现金流率自由现金流/营收 | 18.3% | 12.2% |
| 资本支出强度资本支出/营收 | 1.8% | 2.9% |
| 现金转化率经营现金流/净利润 | 2.98× | 1.69× |
| 过去12个月自由现金流最近4个季度 | $1.6B | $308.2M |
8季度趋势，按日历期对齐
经营现金流AIZLEVI
| Q4 25 | $671.0M | $266.8M | ||
| Q3 25 | $505.0M | $24.8M | ||
| Q2 25 | $265.5M | $185.5M | ||
| Q1 25 | $392.4M | $52.5M | ||
| Q4 24 | $102.8M | $297.3M | ||
| Q3 24 | $436.5M | $52.3M | ||
| Q2 24 | $710.9M | $262.8M | ||
| Q1 24 | $82.5M | $286.0M |
自由现金流AIZLEVI
| Q4 25 | $611.7M | $215.7M | ||
| Q3 25 | $442.1M | $-39.4M | ||
| Q2 25 | $205.6M | $146.0M | ||
| Q1 25 | $339.0M | $-14.1M | ||
| Q4 24 | $34.8M | $231.6M | ||
| Q3 24 | $389.4M | $2.3M | ||
| Q2 24 | $655.5M | $222.6M | ||
| Q1 24 | $31.7M | $214.4M |
自由现金流率AIZLEVI
| Q4 25 | 18.3% | 12.2% | ||
| Q3 25 | 13.7% | -2.6% | ||
| Q2 25 | 6.5% | 10.1% | ||
| Q1 25 | 11.0% | -0.9% | ||
| Q4 24 | 1.1% | 12.6% | ||
| Q3 24 | 13.1% | 0.2% | ||
| Q2 24 | 22.4% | 15.4% | ||
| Q1 24 | 1.1% | 13.8% |
资本支出强度AIZLEVI
| Q4 25 | 1.8% | 2.9% | ||
| Q3 25 | 1.9% | 4.2% | ||
| Q2 25 | 1.9% | 2.7% | ||
| Q1 25 | 1.7% | 4.4% | ||
| Q4 24 | 2.2% | 3.6% | ||
| Q3 24 | 1.6% | 3.3% | ||
| Q2 24 | 1.9% | 2.8% | ||
| Q1 24 | 1.8% | 4.6% |
现金转化率AIZLEVI
| Q4 25 | 2.98× | 1.69× | ||
| Q3 25 | 1.90× | 0.11× | ||
| Q2 25 | 1.13× | 2.77× | ||
| Q1 25 | 2.68× | 0.39× | ||
| Q4 24 | 0.51× | 1.63× | ||
| Q3 24 | 3.26× | 2.53× | ||
| Q2 24 | 3.77× | 14.60× | ||
| 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% |
LEVI
| Other | $760.3M | 43% |
| Sales Channel Through Intermediary | $583.2M | 33% |
| Sales Channel Directly To Consumer | $376.0M | 21% |
| Beyond Yoga | $46.3M | 3% |
