vs
Assurant（AIZ）与恩智浦（NXPI）财务数据对比。点击上方公司名可切换其他公司
Assurant的季度营收约是恩智浦的1.1倍（$3.4B vs $3.2B），恩智浦净利率更高（35.3% vs 6.7%，领先28.6%），Assurant同比增速更快（7.9% vs -5.0%），恩智浦自由现金流更多（$714.0M vs $611.7M），过去两年Assurant的营收复合增速更高（7.9% vs 0.9%）
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。
恩智浦是总部位于荷兰埃因霍温的半导体设计与制造企业，为2024年市值排名欧洲第三的半导体公司。目前集团在全球30多个国家拥有约3.4万名员工，2024年总营收达126.1亿美元。
AIZ vs NXPI — 直观对比
营收规模更大
AIZ
是对方的1.1倍
$3.2B
营收增速更快
AIZ
高出12.9%
-5.0%
净利率更高
NXPI
高出28.6%
6.7%
自由现金流更多
NXPI
多$102.3M
$611.7M
两年增速更快
AIZ
近两年复合增速
0.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $3.2B |
| 净利润 | $225.2M | $1.1B |
| 毛利率 | — | 59.5% |
| 营业利润率 | 8.5% | — |
| 净利率 | 6.7% | 35.3% |
| 营收同比 | 7.9% | -5.0% |
| 净利润同比 | 11.9% | 147.0% |
| 每股收益（稀释后） | $4.37 | $4.43 |
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AIZNXPI
| Q1 26 | — | $3.2B | ||
| Q4 25 | $3.4B | $3.3B | ||
| Q3 25 | $3.2B | $3.2B | ||
| Q2 25 | $3.2B | $2.9B | ||
| Q1 25 | $3.1B | $2.8B | ||
| Q4 24 | $3.1B | $3.1B | ||
| Q3 24 | $3.0B | $3.3B | ||
| Q2 24 | $2.9B | $3.1B |
净利润AIZNXPI
| Q1 26 | — | $1.1B | ||
| Q4 25 | $225.2M | $455.0M | ||
| Q3 25 | $265.6M | $631.0M | ||
| Q2 25 | $235.3M | $445.0M | ||
| Q1 25 | $146.6M | $490.0M | ||
| Q4 24 | $201.3M | $495.0M | ||
| Q3 24 | $133.8M | $718.0M | ||
| Q2 24 | $188.7M | $658.0M |
毛利率AIZNXPI
| Q1 26 | — | 59.5% | ||
| Q4 25 | — | 54.2% | ||
| Q3 25 | — | 56.3% | ||
| Q2 25 | — | 53.4% | ||
| Q1 25 | — | 55.0% | ||
| Q4 24 | — | 53.9% | ||
| Q3 24 | — | 57.4% | ||
| Q2 24 | — | 57.3% |
营业利润率AIZNXPI
| Q1 26 | — | — | ||
| Q4 25 | 8.5% | 22.3% | ||
| Q3 25 | 10.2% | 28.1% | ||
| Q2 25 | 9.2% | 23.5% | ||
| Q1 25 | 6.0% | 25.5% | ||
| Q4 24 | 8.1% | 21.7% | ||
| Q3 24 | 5.1% | 30.5% | ||
| Q2 24 | 8.0% | 28.7% |
净利率AIZNXPI
| Q1 26 | — | 35.3% | ||
| Q4 25 | 6.7% | 13.6% | ||
| Q3 25 | 8.2% | 19.9% | ||
| Q2 25 | 7.4% | 15.2% | ||
| Q1 25 | 4.8% | 17.3% | ||
| Q4 24 | 6.5% | 15.9% | ||
| Q3 24 | 4.5% | 22.1% | ||
| Q2 24 | 6.5% | 21.0% |
每股收益（稀释后）AIZNXPI
| Q1 26 | — | $4.43 | ||
| Q4 25 | $4.37 | $1.80 | ||
| Q3 25 | $5.17 | $2.48 | ||
| Q2 25 | $4.56 | $1.75 | ||
| Q1 25 | $2.83 | $1.92 | ||
| Q4 24 | $3.86 | $1.93 | ||
| Q3 24 | $2.55 | $2.79 | ||
| Q2 24 | $3.58 | $2.54 |
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 | $3.7B |
| 总债务越低越好 | — | $11.7B |
| 股东权益账面价值 | $5.9B | $10.9B |
| 总资产 | $36.3B | $27.1B |
| 负债/权益比越低杠杆越低 | — | 1.07× |
8季度趋势，按日历期对齐
现金及短期投资AIZNXPI
| Q1 26 | — | $3.7B | ||
| Q4 25 | $1.8B | $3.3B | ||
| Q3 25 | $1.7B | $3.5B | ||
| Q2 25 | $1.5B | $3.2B | ||
| Q1 25 | $1.7B | $4.0B | ||
| Q4 24 | $1.8B | $3.3B | ||
| Q3 24 | $1.8B | $2.7B | ||
| Q2 24 | $1.7B | $2.9B |
总债务AIZNXPI
| Q1 26 | — | $11.7B | ||
| Q4 25 | — | $11.0B | ||
| Q3 25 | — | $11.0B | ||
| Q2 25 | — | $9.5B | ||
| Q1 25 | — | $10.2B | ||
| Q4 24 | — | $10.4B | ||
| Q3 24 | — | $9.7B | ||
| Q2 24 | — | $9.7B |
股东权益AIZNXPI
| Q1 26 | — | $10.9B | ||
| Q4 25 | $5.9B | $10.1B | ||
| Q3 25 | $5.8B | $10.0B | ||
| Q2 25 | $5.5B | $9.6B | ||
| Q1 25 | $5.2B | $9.3B | ||
| Q4 24 | $5.1B | $9.2B | ||
| Q3 24 | $5.3B | $9.4B | ||
| Q2 24 | $5.0B | $9.0B |
总资产AIZNXPI
| Q1 26 | — | $27.1B | ||
| Q4 25 | $36.3B | $26.6B | ||
| Q3 25 | $35.8B | $26.4B | ||
| Q2 25 | $35.5B | $25.3B | ||
| Q1 25 | $35.0B | $25.2B | ||
| Q4 24 | $35.0B | $24.4B | ||
| Q3 24 | $35.3B | $23.7B | ||
| Q2 24 | $33.8B | $23.2B |
负债/权益比AIZNXPI
| Q1 26 | — | 1.07× | ||
| Q4 25 | — | 1.09× | ||
| Q3 25 | — | 1.09× | ||
| Q2 25 | — | 0.99× | ||
| Q1 25 | — | 1.10× | ||
| Q4 24 | — | 1.13× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.07× |
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 | $714.0M |
| 自由现金流率自由现金流/营收 | 18.3% | 22.4% |
| 资本支出强度资本支出/营收 | 1.8% | 2.5% |
| 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 | $2.7B |
8季度趋势，按日历期对齐
经营现金流AIZNXPI
| Q1 26 | — | — | ||
| Q4 25 | $671.0M | $891.0M | ||
| Q3 25 | $505.0M | $585.0M | ||
| Q2 25 | $265.5M | $779.0M | ||
| Q1 25 | $392.4M | $565.0M | ||
| Q4 24 | $102.8M | $391.0M | ||
| Q3 24 | $436.5M | $779.0M | ||
| Q2 24 | $710.9M | $761.0M |
自由现金流AIZNXPI
| Q1 26 | — | $714.0M | ||
| Q4 25 | $611.7M | $793.0M | ||
| Q3 25 | $442.1M | $508.0M | ||
| Q2 25 | $205.6M | $696.0M | ||
| Q1 25 | $339.0M | $426.0M | ||
| Q4 24 | $34.8M | $261.0M | ||
| Q3 24 | $389.4M | $593.0M | ||
| Q2 24 | $655.5M | $576.0M |
自由现金流率AIZNXPI
| Q1 26 | — | 22.4% | ||
| Q4 25 | 18.3% | 23.8% | ||
| Q3 25 | 13.7% | 16.0% | ||
| Q2 25 | 6.5% | 23.8% | ||
| Q1 25 | 11.0% | 15.0% | ||
| Q4 24 | 1.1% | 8.4% | ||
| Q3 24 | 13.1% | 18.2% | ||
| Q2 24 | 22.4% | 18.4% |
资本支出强度AIZNXPI
| Q1 26 | — | 2.5% | ||
| Q4 25 | 1.8% | 2.9% | ||
| Q3 25 | 1.9% | 2.4% | ||
| Q2 25 | 1.9% | 2.8% | ||
| Q1 25 | 1.7% | 4.9% | ||
| Q4 24 | 2.2% | 4.2% | ||
| Q3 24 | 1.6% | 5.7% | ||
| Q2 24 | 1.9% | 5.9% |
现金转化率AIZNXPI
| Q1 26 | — | — | ||
| Q4 25 | 2.98× | 1.96× | ||
| Q3 25 | 1.90× | 0.93× | ||
| Q2 25 | 1.13× | 1.75× | ||
| Q1 25 | 2.68× | 1.15× | ||
| Q4 24 | 0.51× | 0.79× | ||
| Q3 24 | 3.26× | 1.08× | ||
| Q2 24 | 3.77× | 1.16× |
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% |
NXPI
暂无分部数据
