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Assurant（AIZ）与Roper Technologies（ROP）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Roper Technologies的1.6倍（$3.4B vs $2.1B），Roper Technologies净利率更高（15.8% vs 6.7%，领先9.1%），Roper Technologies同比增速更快（11.3% vs 7.9%），Assurant自由现金流更多（$611.7M vs $507.0M），过去两年Roper Technologies的营收复合增速更高（10.5% vs 7.9%）
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。
罗珀技术公司是一家专注于科技领域的控股企业，通过持有并运营多家不同细分赛道的科技公司，在科技产业投资与资产管理领域形成了成熟的业务体系，在全球相关市场具备较高的行业影响力。
AIZ vs ROP — 直观对比
营收规模更大
AIZ
是对方的1.6倍
$2.1B
营收增速更快
ROP
高出3.4%
7.9%
净利率更高
ROP
高出9.1%
6.7%
自由现金流更多
AIZ
多$104.7M
$507.0M
两年增速更快
ROP
近两年复合增速
7.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $2.1B |
| 净利润 | $225.2M | $331.0M |
| 毛利率 | — | 69.4% |
| 营业利润率 | 8.5% | 27.2% |
| 净利率 | 6.7% | 15.8% |
| 营收同比 | 7.9% | 11.3% |
| 净利润同比 | 11.9% | 53.7% |
| 每股收益（稀释后） | $4.37 | $4.87 |
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AIZROP
| Q1 26 | — | $2.1B | ||
| Q4 25 | $3.4B | $2.1B | ||
| Q3 25 | $3.2B | $2.0B | ||
| Q2 25 | $3.2B | $1.9B | ||
| Q1 25 | $3.1B | $1.9B | ||
| Q4 24 | $3.1B | $1.9B | ||
| Q3 24 | $3.0B | $1.8B | ||
| Q2 24 | $2.9B | $1.7B |
净利润AIZROP
| Q1 26 | — | $331.0M | ||
| Q4 25 | $225.2M | $428.4M | ||
| Q3 25 | $265.6M | $398.5M | ||
| Q2 25 | $235.3M | $378.3M | ||
| Q1 25 | $146.6M | $331.1M | ||
| Q4 24 | $201.3M | $462.3M | ||
| Q3 24 | $133.8M | $367.9M | ||
| Q2 24 | $188.7M | $337.1M |
毛利率AIZROP
| Q1 26 | — | 69.4% | ||
| Q4 25 | — | 69.5% | ||
| Q3 25 | — | 69.5% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 68.7% | ||
| Q4 24 | — | 68.3% | ||
| Q3 24 | — | 69.2% | ||
| Q2 24 | — | 69.5% |
营业利润率AIZROP
| Q1 26 | — | 27.2% | ||
| Q4 25 | 8.5% | 28.6% | ||
| Q3 25 | 10.2% | 28.4% | ||
| Q2 25 | 9.2% | 28.2% | ||
| Q1 25 | 6.0% | 27.9% | ||
| Q4 24 | 8.1% | 28.0% | ||
| Q3 24 | 5.1% | 28.1% | ||
| Q2 24 | 8.0% | 28.8% |
净利率AIZROP
| Q1 26 | — | 15.8% | ||
| Q4 25 | 6.7% | 20.8% | ||
| Q3 25 | 8.2% | 19.8% | ||
| Q2 25 | 7.4% | 19.5% | ||
| Q1 25 | 4.8% | 17.6% | ||
| Q4 24 | 6.5% | 24.6% | ||
| Q3 24 | 4.5% | 20.8% | ||
| Q2 24 | 6.5% | 19.6% |
每股收益（稀释后）AIZROP
| Q1 26 | — | $4.87 | ||
| Q4 25 | $4.37 | $3.97 | ||
| Q3 25 | $5.17 | $3.68 | ||
| Q2 25 | $4.56 | $3.49 | ||
| Q1 25 | $2.83 | $3.06 | ||
| Q4 24 | $3.86 | $4.29 | ||
| Q3 24 | $2.55 | $3.40 | ||
| Q2 24 | $3.58 | $3.12 |
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 | $382.9M |
| 总债务越低越好 | — | $9.7B |
| 股东权益账面价值 | $5.9B | $18.8B |
| 总资产 | $36.3B | $34.6B |
| 负债/权益比越低杠杆越低 | — | 0.52× |
8季度趋势，按日历期对齐
现金及短期投资AIZROP
| Q1 26 | — | $382.9M | ||
| Q4 25 | $1.8B | $297.4M | ||
| Q3 25 | $1.7B | $320.0M | ||
| Q2 25 | $1.5B | $242.4M | ||
| Q1 25 | $1.7B | $372.8M | ||
| Q4 24 | $1.8B | $188.2M | ||
| Q3 24 | $1.8B | $269.6M | ||
| Q2 24 | $1.7B | $251.5M |
总债务AIZROP
| Q1 26 | — | $9.7B | ||
| Q4 25 | — | $9.3B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $7.6B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益AIZROP
| Q1 26 | — | $18.8B | ||
| Q4 25 | $5.9B | $19.9B | ||
| Q3 25 | $5.8B | $20.0B | ||
| Q2 25 | $5.5B | $19.6B | ||
| Q1 25 | $5.2B | $19.2B | ||
| Q4 24 | $5.1B | $18.9B | ||
| Q3 24 | $5.3B | $18.5B | ||
| Q2 24 | $5.0B | $18.1B |
总资产AIZROP
| Q1 26 | — | $34.6B | ||
| Q4 25 | $36.3B | $34.6B | ||
| Q3 25 | $35.8B | $34.6B | ||
| Q2 25 | $35.5B | $33.2B | ||
| Q1 25 | $35.0B | $31.4B | ||
| Q4 24 | $35.0B | $31.3B | ||
| Q3 24 | $35.3B | $31.6B | ||
| Q2 24 | $33.8B | $29.8B |
负债/权益比AIZROP
| Q1 26 | — | 0.52× | ||
| Q4 25 | — | 0.47× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.40× | ||
| 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 | $507.0M |
| 自由现金流率自由现金流/营收 | 18.3% | 24.2% |
| 资本支出强度资本支出/营收 | 1.8% | 0.5% |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流AIZROP
| Q1 26 | — | — | ||
| Q4 25 | $671.0M | $738.0M | ||
| Q3 25 | $505.0M | $869.5M | ||
| Q2 25 | $265.5M | $404.1M | ||
| Q1 25 | $392.4M | $528.7M | ||
| Q4 24 | $102.8M | $722.2M | ||
| Q3 24 | $436.5M | $755.4M | ||
| Q2 24 | $710.9M | $384.1M |
自由现金流AIZROP
| Q1 26 | — | $507.0M | ||
| 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 | — |
自由现金流率AIZROP
| Q1 26 | — | 24.2% | ||
| 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% | — |
资本支出强度AIZROP
| Q1 26 | — | 0.5% | ||
| 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% | — |
现金转化率AIZROP
| Q1 26 | — | — | ||
| Q4 25 | 2.98× | 1.72× | ||
| Q3 25 | 1.90× | 2.18× | ||
| Q2 25 | 1.13× | 1.07× | ||
| Q1 25 | 2.68× | 1.60× | ||
| Q4 24 | 0.51× | 1.56× | ||
| Q3 24 | 3.26× | 2.05× | ||
| Q2 24 | 3.77× | 1.14× |
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% |
ROP
暂无分部数据
