vs
Assurant（AIZ）与大都会人寿（MET）财务数据对比。点击上方公司名可切换其他公司
Assurant的季度营收约是大都会人寿的5.6倍（$3.4B vs $600.0M），大都会人寿净利率更高（134.8% vs 6.7%，领先128.1%），大都会人寿同比增速更快（7.9% vs 7.9%），过去两年Assurant的营收复合增速更高（7.9% vs 2.0%）
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。
大都会人寿（MetLife）是全球规模领先的保险、年金及员工福利服务提供商之一，创立于1868年，业务覆盖超60个国家和地区，服务约9000万客户，2018年位列《财富》美国500强营收排行榜第43位。
AIZ vs MET — 直观对比
营收规模更大
AIZ
是对方的5.6倍
$600.0M
营收增速更快
MET
高出0.0%
7.9%
净利率更高
MET
高出128.1%
6.7%
两年增速更快
AIZ
近两年复合增速
2.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $600.0M |
| 净利润 | $225.2M | $809.0M |
| 毛利率 | — | — |
| 营业利润率 | 8.5% | — |
| 净利率 | 6.7% | 134.8% |
| 营收同比 | 7.9% | 7.9% |
| 净利润同比 | 11.9% | -36.3% |
| 每股收益（稀释后） | $4.37 | $1.18 |
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AIZMET
| Q4 25 | $3.4B | $600.0M | ||
| Q3 25 | $3.2B | $621.0M | ||
| Q2 25 | $3.2B | $604.0M | ||
| Q1 25 | $3.1B | $611.0M | ||
| Q4 24 | $3.1B | $556.0M | ||
| Q3 24 | $3.0B | $554.0M | ||
| Q2 24 | $2.9B | $558.0M | ||
| Q1 24 | $2.9B | $577.0M |
净利润AIZMET
| Q4 25 | $225.2M | $809.0M | ||
| Q3 25 | $265.6M | $896.0M | ||
| Q2 25 | $235.3M | $729.0M | ||
| Q1 25 | $146.6M | $945.0M | ||
| Q4 24 | $201.3M | $1.3B | ||
| Q3 24 | $133.8M | $1.3B | ||
| Q2 24 | $188.7M | $946.0M | ||
| Q1 24 | $236.4M | $867.0M |
营业利润率AIZMET
| Q4 25 | 8.5% | — | ||
| Q3 25 | 10.2% | — | ||
| Q2 25 | 9.2% | — | ||
| Q1 25 | 6.0% | — | ||
| Q4 24 | 8.1% | — | ||
| Q3 24 | 5.1% | — | ||
| Q2 24 | 8.0% | — | ||
| Q1 24 | 10.2% | — |
净利率AIZMET
| Q4 25 | 6.7% | 134.8% | ||
| Q3 25 | 8.2% | 144.3% | ||
| Q2 25 | 7.4% | 120.7% | ||
| Q1 25 | 4.8% | 154.7% | ||
| Q4 24 | 6.5% | 228.6% | ||
| Q3 24 | 4.5% | 242.2% | ||
| Q2 24 | 6.5% | 169.5% | ||
| Q1 24 | 8.2% | 150.3% |
每股收益（稀释后）AIZMET
| Q4 25 | $4.37 | $1.18 | ||
| Q3 25 | $5.17 | $1.22 | ||
| Q2 25 | $4.56 | $1.03 | ||
| Q1 25 | $2.83 | $1.28 | ||
| Q4 24 | $3.86 | $1.75 | ||
| Q3 24 | $2.55 | $1.81 | ||
| Q2 24 | $3.58 | $1.28 | ||
| 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 | $25.6B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.9B | $28.4B |
| 总资产 | $36.3B | $745.2B |
| 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AIZMET
| Q4 25 | $1.8B | $25.6B | ||
| Q3 25 | $1.7B | $26.2B | ||
| Q2 25 | $1.5B | $27.5B | ||
| Q1 25 | $1.7B | $26.9B | ||
| Q4 24 | $1.8B | $25.2B | ||
| Q3 24 | $1.8B | $26.4B | ||
| Q2 24 | $1.7B | $24.6B | ||
| Q1 24 | $1.3B | $24.7B |
股东权益AIZMET
| Q4 25 | $5.9B | $28.4B | ||
| Q3 25 | $5.8B | $28.9B | ||
| Q2 25 | $5.5B | $27.7B | ||
| Q1 25 | $5.2B | $27.5B | ||
| Q4 24 | $5.1B | $27.4B | ||
| Q3 24 | $5.3B | $30.9B | ||
| Q2 24 | $5.0B | $27.3B | ||
| Q1 24 | $4.9B | $28.5B |
总资产AIZMET
| Q4 25 | $36.3B | $745.2B | ||
| Q3 25 | $35.8B | $719.7B | ||
| Q2 25 | $35.5B | $702.5B | ||
| Q1 25 | $35.0B | $688.3B | ||
| Q4 24 | $35.0B | $677.5B | ||
| Q3 24 | $35.3B | $705.0B | ||
| Q2 24 | $33.8B | $675.7B | ||
| Q1 24 | $33.2B | $677.6B |
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 | $7.1B |
| 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% | — |
| 现金转化率经营现金流/净利润 | 2.98× | 8.75× |
| 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AIZMET
| Q4 25 | $671.0M | $7.1B | ||
| Q3 25 | $505.0M | $3.6B | ||
| Q2 25 | $265.5M | $2.2B | ||
| Q1 25 | $392.4M | $4.3B | ||
| Q4 24 | $102.8M | $4.6B | ||
| Q3 24 | $436.5M | $4.2B | ||
| Q2 24 | $710.9M | $3.5B | ||
| Q1 24 | $82.5M | $2.3B |
自由现金流AIZMET
| Q4 25 | $611.7M | — | ||
| Q3 25 | $442.1M | — | ||
| Q2 25 | $205.6M | — | ||
| Q1 25 | $339.0M | — | ||
| Q4 24 | $34.8M | — | ||
| Q3 24 | $389.4M | — | ||
| Q2 24 | $655.5M | — | ||
| Q1 24 | $31.7M | — |
自由现金流率AIZMET
| Q4 25 | 18.3% | — | ||
| Q3 25 | 13.7% | — | ||
| Q2 25 | 6.5% | — | ||
| Q1 25 | 11.0% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 13.1% | — | ||
| Q2 24 | 22.4% | — | ||
| Q1 24 | 1.1% | — |
资本支出强度AIZMET
| Q4 25 | 1.8% | — | ||
| Q3 25 | 1.9% | — | ||
| Q2 25 | 1.9% | — | ||
| Q1 25 | 1.7% | — | ||
| Q4 24 | 2.2% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 1.9% | — | ||
| Q1 24 | 1.8% | — |
现金转化率AIZMET
| Q4 25 | 2.98× | 8.75× | ||
| Q3 25 | 1.90× | 3.98× | ||
| Q2 25 | 1.13× | 3.00× | ||
| Q1 25 | 2.68× | 4.51× | ||
| Q4 24 | 0.51× | 3.63× | ||
| Q3 24 | 3.26× | 3.11× | ||
| Q2 24 | 3.77× | 3.69× | ||
| Q1 24 | 0.35× | 2.69× |
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% |
MET
| Other | $165.0M | 28% |
| Prepaidlegalplansandadministrativeonlycontracts | $158.0M | 26% |
| Vision Fee For Service Arrangements | $140.0M | 23% |
| Administrative Service | $76.0M | 13% |
| Distribution Service | $36.0M | 6% |
| Feebasedinvestmentmanagementservices | $25.0M | 4% |
