vs
Assurant（AIZ）与Masco（MAS）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Masco的1.7倍（$3.4B vs $1.9B），Masco净利率更高（11.9% vs 6.7%，领先5.2%），Assurant同比增速更快（7.9% vs 6.5%），过去两年Assurant的营收复合增速更高（7.9% vs -4.2%）
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。
美国家居建材企业Masco主营家装及新建住宅市场相关产品，旗下拥有20余家子公司，在全球运营近80座生产工厂，其中美国本土近60座，海外地区超20座。公司1969年于纽交所挂牌上市，后实现快速增长，成功跻身美国财富500强榜单。
AIZ vs MAS — 直观对比
营收规模更大
AIZ
是对方的1.7倍
$1.9B
营收增速更快
AIZ
高出1.4%
6.5%
净利率更高
MAS
高出5.2%
6.7%
两年增速更快
AIZ
近两年复合增速
-4.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $1.9B |
| 净利润 | $225.2M | $228.0M |
| 毛利率 | — | 35.8% |
| 营业利润率 | 8.5% | 16.5% |
| 净利率 | 6.7% | 11.9% |
| 营收同比 | 7.9% | 6.5% |
| 净利润同比 | 11.9% | 14.5% |
| 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AIZMAS
| Q1 26 | — | $1.9B | ||
| Q4 25 | $3.4B | $1.8B | ||
| Q3 25 | $3.2B | $1.9B | ||
| Q2 25 | $3.2B | $2.1B | ||
| Q1 25 | $3.1B | $1.8B | ||
| Q4 24 | $3.1B | $1.8B | ||
| Q3 24 | $3.0B | $2.0B | ||
| Q2 24 | $2.9B | $2.1B |
净利润AIZMAS
| Q1 26 | — | $228.0M | ||
| Q4 25 | $225.2M | $165.0M | ||
| Q3 25 | $265.6M | $189.0M | ||
| Q2 25 | $235.3M | $270.0M | ||
| Q1 25 | $146.6M | $186.0M | ||
| Q4 24 | $201.3M | $182.0M | ||
| Q3 24 | $133.8M | $167.0M | ||
| Q2 24 | $188.7M | $258.0M |
毛利率AIZMAS
| Q1 26 | — | 35.8% | ||
| Q4 25 | — | 33.9% | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | 37.6% | ||
| Q1 25 | — | 35.8% | ||
| Q4 24 | — | 34.8% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 37.5% |
营业利润率AIZMAS
| Q1 26 | — | 16.5% | ||
| Q4 25 | 8.5% | 13.8% | ||
| Q3 25 | 10.2% | 15.8% | ||
| Q2 25 | 9.2% | 20.1% | ||
| Q1 25 | 6.0% | 15.9% | ||
| Q4 24 | 8.1% | 15.9% | ||
| Q3 24 | 5.1% | 18.0% | ||
| Q2 24 | 8.0% | 19.0% |
净利率AIZMAS
| Q1 26 | — | 11.9% | ||
| Q4 25 | 6.7% | 9.2% | ||
| Q3 25 | 8.2% | 9.9% | ||
| Q2 25 | 7.4% | 13.2% | ||
| Q1 25 | 4.8% | 10.3% | ||
| Q4 24 | 6.5% | 10.0% | ||
| Q3 24 | 4.5% | 8.4% | ||
| Q2 24 | 6.5% | 12.3% |
每股收益（稀释后）AIZMAS
| Q1 26 | — | — | ||
| Q4 25 | $4.37 | $0.81 | ||
| Q3 25 | $5.17 | $0.90 | ||
| Q2 25 | $4.56 | $1.28 | ||
| Q1 25 | $2.83 | $0.87 | ||
| Q4 24 | $3.86 | $0.85 | ||
| Q3 24 | $2.55 | $0.77 | ||
| Q2 24 | $3.58 | $1.17 |
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 | — |
| 总债务越低越好 | — | $2.9B |
| 股东权益账面价值 | $5.9B | $27.0M |
| 总资产 | $36.3B | $5.2B |
| 负债/权益比越低杠杆越低 | — | 109.07× |
8季度趋势，按日历期对齐
现金及短期投资AIZMAS
| Q1 26 | — | — | ||
| Q4 25 | $1.8B | $647.0M | ||
| Q3 25 | $1.7B | $559.0M | ||
| Q2 25 | $1.5B | $390.0M | ||
| Q1 25 | $1.7B | $377.0M | ||
| Q4 24 | $1.8B | $634.0M | ||
| Q3 24 | $1.8B | $646.0M | ||
| Q2 24 | $1.7B | $398.0M |
总债务AIZMAS
| Q1 26 | — | $2.9B | ||
| Q4 25 | — | $2.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $2.9B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益AIZMAS
| Q1 26 | — | $27.0M | ||
| Q4 25 | $5.9B | $-185.0M | ||
| Q3 25 | $5.8B | $-78.0M | ||
| Q2 25 | $5.5B | $-84.0M | ||
| Q1 25 | $5.2B | $-254.0M | ||
| Q4 24 | $5.1B | $-279.0M | ||
| Q3 24 | $5.3B | $-88.0M | ||
| Q2 24 | $5.0B | $-26.0M |
总资产AIZMAS
| Q1 26 | — | $5.2B | ||
| Q4 25 | $36.3B | $5.2B | ||
| Q3 25 | $35.8B | $5.3B | ||
| Q2 25 | $35.5B | $5.3B | ||
| Q1 25 | $35.0B | $5.1B | ||
| Q4 24 | $35.0B | $5.0B | ||
| Q3 24 | $35.3B | $5.3B | ||
| Q2 24 | $33.8B | $5.4B |
负债/权益比AIZMAS
| Q1 26 | — | 109.07× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $611.7M | — |
| 自由现金流率自由现金流/营收 | 18.3% | — |
| 资本支出强度资本支出/营收 | 1.8% | 1.8% |
| 现金转化率经营现金流/净利润 | 2.98× | — |
| 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AIZMAS
| Q1 26 | — | — | ||
| Q4 25 | $671.0M | $418.0M | ||
| Q3 25 | $505.0M | $456.0M | ||
| Q2 25 | $265.5M | $306.0M | ||
| Q1 25 | $392.4M | $-158.0M | ||
| Q4 24 | $102.8M | $407.0M | ||
| Q3 24 | $436.5M | $416.0M | ||
| Q2 24 | $710.9M | $346.0M |
自由现金流AIZMAS
| Q1 26 | — | — | ||
| Q4 25 | $611.7M | $371.0M | ||
| Q3 25 | $442.1M | $415.0M | ||
| Q2 25 | $205.6M | $270.0M | ||
| Q1 25 | $339.0M | $-190.0M | ||
| Q4 24 | $34.8M | $351.0M | ||
| Q3 24 | $389.4M | $378.0M | ||
| Q2 24 | $655.5M | $303.0M |
自由现金流率AIZMAS
| Q1 26 | — | — | ||
| Q4 25 | 18.3% | 20.7% | ||
| Q3 25 | 13.7% | 21.6% | ||
| Q2 25 | 6.5% | 13.2% | ||
| Q1 25 | 11.0% | -10.5% | ||
| Q4 24 | 1.1% | 19.2% | ||
| Q3 24 | 13.1% | 19.1% | ||
| Q2 24 | 22.4% | 14.5% |
资本支出强度AIZMAS
| Q1 26 | — | 1.8% | ||
| Q4 25 | 1.8% | 2.6% | ||
| Q3 25 | 1.9% | 2.1% | ||
| Q2 25 | 1.9% | 1.8% | ||
| Q1 25 | 1.7% | 1.8% | ||
| Q4 24 | 2.2% | 3.1% | ||
| Q3 24 | 1.6% | 1.9% | ||
| Q2 24 | 1.9% | 2.1% |
现金转化率AIZMAS
| Q1 26 | — | — | ||
| Q4 25 | 2.98× | 2.53× | ||
| Q3 25 | 1.90× | 2.41× | ||
| Q2 25 | 1.13× | 1.13× | ||
| Q1 25 | 2.68× | -0.85× | ||
| Q4 24 | 0.51× | 2.24× | ||
| Q3 24 | 3.26× | 2.49× | ||
| Q2 24 | 3.77× | 1.34× |
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% |
MAS
暂无分部数据
