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Assurant（AIZ）与Packaging Corporation of America（PKG）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Packaging Corporation of America的1.4倍（$3.4B vs $2.4B），Packaging Corporation of America净利率更高（7.2% vs 6.7%，领先0.5%），Packaging Corporation of America同比增速更快（10.6% vs 7.9%），过去两年Assurant的营收复合增速更高（7.9% vs 6.8%）
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。
Packaging Corporation of America是总部位于美国伊利诺伊州莱克福里斯特的制造企业，业务主要布局于美国本土，当前拥有约15500名员工，首席执行官为Mark W. Kowlzan。
AIZ vs PKG — 直观对比
营收规模更大
AIZ
是对方的1.4倍
$2.4B
营收增速更快
PKG
高出2.7%
7.9%
净利率更高
PKG
高出0.5%
6.7%
两年增速更快
AIZ
近两年复合增速
6.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $2.4B |
| 净利润 | $225.2M | $170.9M |
| 毛利率 | — | 19.1% |
| 营业利润率 | 8.5% | 10.6% |
| 净利率 | 6.7% | 7.2% |
| 营收同比 | 7.9% | 10.6% |
| 净利润同比 | 11.9% | -16.1% |
| 每股收益（稀释后） | $4.37 | $1.91 |
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AIZPKG
| Q1 26 | — | $2.4B | ||
| Q4 25 | $3.4B | $2.4B | ||
| Q3 25 | $3.2B | $2.3B | ||
| Q2 25 | $3.2B | $2.2B | ||
| Q1 25 | $3.1B | $2.1B | ||
| Q4 24 | $3.1B | $2.1B | ||
| Q3 24 | $3.0B | $2.2B | ||
| Q2 24 | $2.9B | $2.1B |
净利润AIZPKG
| Q1 26 | — | $170.9M | ||
| Q4 25 | $225.2M | $101.9M | ||
| Q3 25 | $265.6M | $226.9M | ||
| Q2 25 | $235.3M | $241.5M | ||
| Q1 25 | $146.6M | $203.8M | ||
| Q4 24 | $201.3M | $221.2M | ||
| Q3 24 | $133.8M | $238.1M | ||
| Q2 24 | $188.7M | $198.9M |
毛利率AIZPKG
| Q1 26 | — | 19.1% | ||
| Q4 25 | — | 18.9% | ||
| Q3 25 | — | 21.8% | ||
| Q2 25 | — | 22.2% | ||
| Q1 25 | — | 21.2% | ||
| Q4 24 | — | 21.9% | ||
| Q3 24 | — | 23.1% | ||
| Q2 24 | — | 21.1% |
营业利润率AIZPKG
| Q1 26 | — | 10.6% | ||
| Q4 25 | 8.5% | 7.1% | ||
| Q3 25 | 10.2% | 14.0% | ||
| Q2 25 | 9.2% | 15.4% | ||
| Q1 25 | 6.0% | 13.1% | ||
| Q4 24 | 8.1% | 14.1% | ||
| Q3 24 | 5.1% | 15.0% | ||
| Q2 24 | 8.0% | 13.3% |
净利率AIZPKG
| Q1 26 | — | 7.2% | ||
| Q4 25 | 6.7% | 4.3% | ||
| Q3 25 | 8.2% | 9.8% | ||
| Q2 25 | 7.4% | 11.1% | ||
| Q1 25 | 4.8% | 9.5% | ||
| Q4 24 | 6.5% | 10.3% | ||
| Q3 24 | 4.5% | 10.9% | ||
| Q2 24 | 6.5% | 9.6% |
每股收益（稀释后）AIZPKG
| Q1 26 | — | $1.91 | ||
| Q4 25 | $4.37 | $1.14 | ||
| Q3 25 | $5.17 | $2.51 | ||
| Q2 25 | $4.56 | $2.67 | ||
| Q1 25 | $2.83 | $2.26 | ||
| Q4 24 | $3.86 | $2.45 | ||
| Q3 24 | $2.55 | $2.64 | ||
| Q2 24 | $3.58 | $2.21 |
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 | — | — |
| 股东权益账面价值 | $5.9B | — |
| 总资产 | $36.3B | — |
| 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AIZPKG
| Q1 26 | — | — | ||
| Q4 25 | $1.8B | $529.0M | ||
| Q3 25 | $1.7B | $634.0M | ||
| Q2 25 | $1.5B | $787.9M | ||
| Q1 25 | $1.7B | $751.7M | ||
| Q4 24 | $1.8B | $685.0M | ||
| Q3 24 | $1.8B | $676.6M | ||
| Q2 24 | $1.7B | $613.6M |
总债务AIZPKG
| Q1 26 | — | — | ||
| Q4 25 | — | $4.0B | ||
| Q3 25 | — | $4.0B | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $2.5B | ||
| Q3 24 | — | $2.5B | ||
| Q2 24 | — | — |
股东权益AIZPKG
| Q1 26 | — | — | ||
| Q4 25 | $5.9B | $4.6B | ||
| Q3 25 | $5.8B | $4.8B | ||
| Q2 25 | $5.5B | $4.6B | ||
| Q1 25 | $5.2B | $4.5B | ||
| Q4 24 | $5.1B | $4.4B | ||
| Q3 24 | $5.3B | $4.3B | ||
| Q2 24 | $5.0B | $4.1B |
总资产AIZPKG
| Q1 26 | — | — | ||
| Q4 25 | $36.3B | $10.7B | ||
| Q3 25 | $35.8B | $11.0B | ||
| Q2 25 | $35.5B | $9.0B | ||
| Q1 25 | $35.0B | $9.0B | ||
| Q4 24 | $35.0B | $8.8B | ||
| Q3 24 | $35.3B | $8.8B | ||
| Q2 24 | $33.8B | $9.0B |
负债/权益比AIZPKG
| Q1 26 | — | — | ||
| Q4 25 | — | 0.87× | ||
| Q3 25 | — | 0.84× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.57× | ||
| Q3 24 | — | 0.58× | ||
| 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% | — |
| 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AIZPKG
| Q1 26 | — | — | ||
| Q4 25 | $671.0M | $446.6M | ||
| Q3 25 | $505.0M | $472.2M | ||
| Q2 25 | $265.5M | $299.6M | ||
| Q1 25 | $392.4M | $339.1M | ||
| Q4 24 | $102.8M | $325.4M | ||
| Q3 24 | $436.5M | $327.1M | ||
| Q2 24 | $710.9M | $278.3M |
自由现金流AIZPKG
| Q1 26 | — | — | ||
| Q4 25 | $611.7M | $127.6M | ||
| Q3 25 | $442.1M | $280.1M | ||
| Q2 25 | $205.6M | $129.9M | ||
| Q1 25 | $339.0M | $191.0M | ||
| Q4 24 | $34.8M | $124.1M | ||
| Q3 24 | $389.4M | $180.4M | ||
| Q2 24 | $655.5M | $33.3M |
自由现金流率AIZPKG
| Q1 26 | — | — | ||
| Q4 25 | 18.3% | 5.4% | ||
| Q3 25 | 13.7% | 12.1% | ||
| Q2 25 | 6.5% | 6.0% | ||
| Q1 25 | 11.0% | 8.9% | ||
| Q4 24 | 1.1% | 5.8% | ||
| Q3 24 | 13.1% | 8.3% | ||
| Q2 24 | 22.4% | 1.6% |
资本支出强度AIZPKG
| Q1 26 | — | — | ||
| Q4 25 | 1.8% | 13.5% | ||
| Q3 25 | 1.9% | 8.3% | ||
| Q2 25 | 1.9% | 7.8% | ||
| Q1 25 | 1.7% | 6.9% | ||
| Q4 24 | 2.2% | 9.4% | ||
| Q3 24 | 1.6% | 6.7% | ||
| Q2 24 | 1.9% | 11.8% |
现金转化率AIZPKG
| Q1 26 | — | — | ||
| Q4 25 | 2.98× | 4.38× | ||
| Q3 25 | 1.90× | 2.08× | ||
| Q2 25 | 1.13× | 1.24× | ||
| Q1 25 | 2.68× | 1.66× | ||
| Q4 24 | 0.51× | 1.47× | ||
| Q3 24 | 3.26× | 1.37× | ||
| Q2 24 | 3.77× | 1.40× |
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% |
PKG
暂无分部数据
