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Assurant（AIZ）与RYDER SYSTEM INC（R）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RYDER SYSTEM INC的1.1倍（$3.4B vs $3.1B），Assurant净利率更高（6.7% vs 3.0%，领先3.7%），Assurant同比增速更快（7.9% vs 1.0%），Assurant自由现金流更多（$611.7M vs $273.0M），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。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
AIZ vs R — 直观对比
营收规模更大
AIZ
是对方的1.1倍
$3.1B
营收增速更快
AIZ
高出6.9%
1.0%
净利率更高
AIZ
高出3.7%
3.0%
自由现金流更多
AIZ
多$338.7M
$273.0M
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 | $3.1B |
| 净利润 | $225.2M | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | 8.5% | — |
| 净利率 | 6.7% | 3.0% |
| 营收同比 | 7.9% | 1.0% |
| 净利润同比 | 11.9% | -5.1% |
| 每股收益（稀释后） | $4.37 | $2.34 |
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AIZR
| Q1 26 | — | $3.1B | ||
| Q4 25 | $3.4B | $3.2B | ||
| Q3 25 | $3.2B | $3.2B | ||
| Q2 25 | $3.2B | $3.2B | ||
| Q1 25 | $3.1B | $3.1B | ||
| Q4 24 | $3.1B | $3.2B | ||
| Q3 24 | $3.0B | $3.2B | ||
| Q2 24 | $2.9B | $3.2B |
净利润AIZR
| Q1 26 | — | $93.0M | ||
| Q4 25 | $225.2M | $132.0M | ||
| Q3 25 | $265.6M | $138.0M | ||
| Q2 25 | $235.3M | $131.0M | ||
| Q1 25 | $146.6M | $98.0M | ||
| Q4 24 | $201.3M | $135.0M | ||
| Q3 24 | $133.8M | $142.0M | ||
| Q2 24 | $188.7M | $127.0M |
营业利润率AIZR
| Q1 26 | — | — | ||
| Q4 25 | 8.5% | 5.6% | ||
| Q3 25 | 10.2% | 6.0% | ||
| Q2 25 | 9.2% | 5.8% | ||
| Q1 25 | 6.0% | 4.3% | ||
| Q4 24 | 8.1% | 5.7% | ||
| Q3 24 | 5.1% | 5.9% | ||
| Q2 24 | 8.0% | 5.6% |
净利率AIZR
| Q1 26 | — | 3.0% | ||
| Q4 25 | 6.7% | 4.2% | ||
| Q3 25 | 8.2% | 4.4% | ||
| Q2 25 | 7.4% | 4.1% | ||
| Q1 25 | 4.8% | 3.1% | ||
| Q4 24 | 6.5% | 4.2% | ||
| Q3 24 | 4.5% | 4.5% | ||
| Q2 24 | 6.5% | 4.0% |
每股收益（稀释后）AIZR
| Q1 26 | — | $2.34 | ||
| Q4 25 | $4.37 | $3.22 | ||
| Q3 25 | $5.17 | $3.32 | ||
| Q2 25 | $4.56 | $3.13 | ||
| Q1 25 | $2.83 | $2.27 | ||
| Q4 24 | $3.86 | $3.09 | ||
| Q3 24 | $2.55 | $3.24 | ||
| Q2 24 | $3.58 | $2.84 |
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 | $182.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.9B | $2.9B |
| 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AIZR
| Q1 26 | — | $182.0M | ||
| Q4 25 | $1.8B | $198.0M | ||
| Q3 25 | $1.7B | $189.0M | ||
| Q2 25 | $1.5B | $180.0M | ||
| Q1 25 | $1.7B | $151.0M | ||
| Q4 24 | $1.8B | $154.0M | ||
| Q3 24 | $1.8B | $162.0M | ||
| Q2 24 | $1.7B | $164.0M |
总债务AIZR
| Q1 26 | — | — | ||
| Q4 25 | — | $6.8B | ||
| Q3 25 | — | $7.3B | ||
| Q2 25 | — | $7.0B | ||
| Q1 25 | — | $6.7B | ||
| Q4 24 | — | $6.7B | ||
| Q3 24 | — | $6.6B | ||
| Q2 24 | — | $6.5B |
股东权益AIZR
| Q1 26 | — | $2.9B | ||
| Q4 25 | $5.9B | $3.1B | ||
| Q3 25 | $5.8B | $3.1B | ||
| Q2 25 | $5.5B | $3.1B | ||
| Q1 25 | $5.2B | $3.0B | ||
| Q4 24 | $5.1B | $3.1B | ||
| Q3 24 | $5.3B | $3.1B | ||
| Q2 24 | $5.0B | $3.1B |
总资产AIZR
| Q1 26 | — | — | ||
| Q4 25 | $36.3B | $16.4B | ||
| Q3 25 | $35.8B | $16.5B | ||
| Q2 25 | $35.5B | $16.5B | ||
| Q1 25 | $35.0B | $16.4B | ||
| Q4 24 | $35.0B | $16.7B | ||
| Q3 24 | $35.3B | $16.5B | ||
| Q2 24 | $33.8B | $16.4B |
负债/权益比AIZR
| Q1 26 | — | — | ||
| Q4 25 | — | 2.24× | ||
| Q3 25 | — | 2.35× | ||
| Q2 25 | — | 2.27× | ||
| Q1 25 | — | 2.21× | ||
| Q4 24 | — | 2.14× | ||
| Q3 24 | — | 2.17× | ||
| Q2 24 | — | 2.09× |
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 | $583.0M |
| 自由现金流经营现金流 - 资本支出 | $611.7M | $273.0M |
| 自由现金流率自由现金流/营收 | 18.3% | 8.7% |
| 资本支出强度资本支出/营收 | 1.8% | 13.7% |
| 现金转化率经营现金流/净利润 | 2.98× | 6.27× |
| 过去12个月自由现金流最近4个季度 | $1.6B | $595.0M |
8季度趋势，按日历期对齐
经营现金流AIZR
| Q1 26 | — | $583.0M | ||
| Q4 25 | $671.0M | $749.0M | ||
| Q3 25 | $505.0M | $442.0M | ||
| Q2 25 | $265.5M | $752.0M | ||
| Q1 25 | $392.4M | $651.0M | ||
| Q4 24 | $102.8M | $558.0M | ||
| Q3 24 | $436.5M | $629.0M | ||
| Q2 24 | $710.9M | $552.0M |
自由现金流AIZR
| Q1 26 | — | $273.0M | ||
| Q4 25 | $611.7M | $344.0M | ||
| Q3 25 | $442.1M | $-85.0M | ||
| Q2 25 | $205.6M | $63.0M | ||
| Q1 25 | $339.0M | $137.0M | ||
| Q4 24 | $34.8M | $-201.0M | ||
| Q3 24 | $389.4M | $30.0M | ||
| Q2 24 | $655.5M | $-87.0M |
自由现金流率AIZR
| Q1 26 | — | 8.7% | ||
| Q4 25 | 18.3% | 10.8% | ||
| Q3 25 | 13.7% | -2.7% | ||
| Q2 25 | 6.5% | 2.0% | ||
| Q1 25 | 11.0% | 4.4% | ||
| Q4 24 | 1.1% | -6.3% | ||
| Q3 24 | 13.1% | 0.9% | ||
| Q2 24 | 22.4% | -2.7% |
资本支出强度AIZR
| Q1 26 | — | 13.7% | ||
| Q4 25 | 1.8% | 12.8% | ||
| Q3 25 | 1.9% | 16.6% | ||
| Q2 25 | 1.9% | 21.6% | ||
| Q1 25 | 1.7% | 16.4% | ||
| Q4 24 | 2.2% | 23.8% | ||
| Q3 24 | 1.6% | 18.9% | ||
| Q2 24 | 1.9% | 20.1% |
现金转化率AIZR
| Q1 26 | — | 6.27× | ||
| Q4 25 | 2.98× | 5.67× | ||
| Q3 25 | 1.90× | 3.20× | ||
| Q2 25 | 1.13× | 5.74× | ||
| Q1 25 | 2.68× | 6.64× | ||
| Q4 24 | 0.51× | 4.13× | ||
| Q3 24 | 3.26× | 4.43× | ||
| Q2 24 | 3.77× | 4.35× |
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% |
R
| Fleet Management Solutions | $1.5B | 47% |
| ChoiceLease | $878.0M | 28% |
| Dedicated Transportation Solutions | $553.0M | 18% |
| Commercial rental | $211.0M | 7% |
