vs
Assurant（AIZ）与摩森康胜饮品公司（TAP）财务数据对比。点击上方公司名可切换其他公司
Assurant的季度营收约是摩森康胜饮品公司的1.1倍（$3.4B vs $3.1B），摩森康胜饮品公司净利率更高（7.6% vs 6.7%，领先0.9%），Assurant同比增速更快（7.9% vs -3.6%），Assurant自由现金流更多（$611.7M vs $357.8M），过去两年Assurant的营收复合增速更高（7.9% vs 1.2%）
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。
摩森康胜饮品公司是一家美加合资的跨国饮料酿造企业，旗下拥有多款知名酒精及非酒精饮品产品线，业务覆盖全球多个国家和地区，目前在伊利诺伊州芝加哥与魁北克省蒙特利尔设有双总部。
AIZ vs TAP — 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11.5%
-3.6%
净利率更高
TAP
高出0.9%
6.7%
自由现金流更多
AIZ
多$253.9M
$357.8M
两年增速更快
AIZ
近两年复合增速
1.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $3.1B |
| 净利润 | $225.2M | $238.3M |
| 毛利率 | — | 31.0% |
| 营业利润率 | 8.5% | 10.4% |
| 净利率 | 6.7% | 7.6% |
| 营收同比 | 7.9% | -3.6% |
| 净利润同比 | 11.9% | -17.2% |
| 每股收益（稀释后） | $4.37 | $1.32 |
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AIZTAP
| Q4 25 | $3.4B | $3.1B | ||
| Q3 25 | $3.2B | $3.5B | ||
| Q2 25 | $3.2B | $3.7B | ||
| Q1 25 | $3.1B | $2.7B | ||
| Q4 24 | $3.1B | $3.2B | ||
| Q3 24 | $3.0B | $3.6B | ||
| Q2 24 | $2.9B | $3.8B | ||
| Q1 24 | $2.9B | $3.0B |
净利润AIZTAP
| Q4 25 | $225.2M | $238.3M | ||
| Q3 25 | $265.6M | $-2.9B | ||
| Q2 25 | $235.3M | $428.7M | ||
| Q1 25 | $146.6M | $121.0M | ||
| Q4 24 | $201.3M | $287.8M | ||
| Q3 24 | $133.8M | $199.8M | ||
| Q2 24 | $188.7M | $427.0M | ||
| Q1 24 | $236.4M | $207.8M |
毛利率AIZTAP
| Q4 25 | — | 31.0% | ||
| Q3 25 | — | 33.7% | ||
| Q2 25 | — | 34.3% | ||
| Q1 25 | — | 31.6% | ||
| Q4 24 | — | 32.0% | ||
| Q3 24 | — | 33.4% | ||
| Q2 24 | — | 34.6% | ||
| Q1 24 | — | 31.6% |
营业利润率AIZTAP
| Q4 25 | 8.5% | 10.4% | ||
| Q3 25 | 10.2% | -98.5% | ||
| Q2 25 | 9.2% | 15.6% | ||
| Q1 25 | 6.0% | 6.9% | ||
| Q4 24 | 8.1% | 12.0% | ||
| Q3 24 | 5.1% | 12.5% | ||
| Q2 24 | 8.0% | 15.6% | ||
| Q1 24 | 10.2% | 10.3% |
净利率AIZTAP
| Q4 25 | 6.7% | 7.6% | ||
| Q3 25 | 8.2% | -84.0% | ||
| Q2 25 | 7.4% | 11.5% | ||
| Q1 25 | 4.8% | 4.5% | ||
| Q4 24 | 6.5% | 8.9% | ||
| Q3 24 | 4.5% | 5.5% | ||
| Q2 24 | 6.5% | 11.1% | ||
| Q1 24 | 8.2% | 6.8% |
每股收益（稀释后）AIZTAP
| Q4 25 | $4.37 | $1.32 | ||
| Q3 25 | $5.17 | $-14.79 | ||
| Q2 25 | $4.56 | $2.13 | ||
| Q1 25 | $2.83 | $0.59 | ||
| Q4 24 | $3.86 | $1.39 | ||
| Q3 24 | $2.55 | $0.96 | ||
| Q2 24 | $3.58 | $2.03 | ||
| Q1 24 | $4.47 | $0.97 |
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 | $896.5M |
| 总债务越低越好 | — | $6.3B |
| 股东权益账面价值 | $5.9B | $10.2B |
| 总资产 | $36.3B | $22.7B |
| 负债/权益比越低杠杆越低 | — | 0.61× |
8季度趋势，按日历期对齐
现金及短期投资AIZTAP
| Q4 25 | $1.8B | $896.5M | ||
| Q3 25 | $1.7B | $950.2M | ||
| Q2 25 | $1.5B | $613.8M | ||
| Q1 25 | $1.7B | $412.7M | ||
| Q4 24 | $1.8B | $969.3M | ||
| Q3 24 | $1.8B | $1.0B | ||
| Q2 24 | $1.7B | $1.6B | ||
| Q1 24 | $1.3B | $458.4M |
总债务AIZTAP
| Q4 25 | — | $6.3B | ||
| Q3 25 | — | $6.3B | ||
| Q2 25 | — | $6.3B | ||
| Q1 25 | — | $6.2B | ||
| Q4 24 | — | $6.1B | ||
| Q3 24 | — | $6.2B | ||
| Q2 24 | — | $7.0B | ||
| Q1 24 | — | $6.2B |
股东权益AIZTAP
| Q4 25 | $5.9B | $10.2B | ||
| Q3 25 | $5.8B | $10.3B | ||
| Q2 25 | $5.5B | $13.4B | ||
| Q1 25 | $5.2B | $13.1B | ||
| Q4 24 | $5.1B | $13.1B | ||
| Q3 24 | $5.3B | $13.3B | ||
| Q2 24 | $5.0B | $13.2B | ||
| Q1 24 | $4.9B | $13.1B |
总资产AIZTAP
| Q4 25 | $36.3B | $22.7B | ||
| Q3 25 | $35.8B | $22.9B | ||
| Q2 25 | $35.5B | $26.8B | ||
| Q1 25 | $35.0B | $25.9B | ||
| Q4 24 | $35.0B | $26.1B | ||
| Q3 24 | $35.3B | $26.6B | ||
| Q2 24 | $33.8B | $27.4B | ||
| Q1 24 | $33.2B | $26.1B |
负债/权益比AIZTAP
| Q4 25 | — | 0.61× | ||
| Q3 25 | — | 0.61× | ||
| Q2 25 | — | 0.47× | ||
| Q1 25 | — | 0.47× | ||
| Q4 24 | — | 0.47× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.47× |
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 | $540.7M |
| 自由现金流经营现金流 - 资本支出 | $611.7M | $357.8M |
| 自由现金流率自由现金流/营收 | 18.3% | 11.4% |
| 资本支出强度资本支出/营收 | 1.8% | 5.9% |
| 现金转化率经营现金流/净利润 | 2.98× | 2.27× |
| 过去12个月自由现金流最近4个季度 | $1.6B | $1.1B |
8季度趋势，按日历期对齐
经营现金流AIZTAP
| Q4 25 | $671.0M | $540.7M | ||
| Q3 25 | $505.0M | $616.1M | ||
| Q2 25 | $265.5M | $718.3M | ||
| Q1 25 | $392.4M | $-90.7M | ||
| Q4 24 | $102.8M | $494.5M | ||
| Q3 24 | $436.5M | $521.2M | ||
| Q2 24 | $710.9M | $869.2M | ||
| Q1 24 | $82.5M | $25.4M |
自由现金流AIZTAP
| Q4 25 | $611.7M | $357.8M | ||
| Q3 25 | $442.1M | $483.0M | ||
| Q2 25 | $205.6M | $555.0M | ||
| Q1 25 | $339.0M | $-328.0M | ||
| Q4 24 | $34.8M | $383.4M | ||
| Q3 24 | $389.4M | $350.4M | ||
| Q2 24 | $655.5M | $691.7M | ||
| Q1 24 | $31.7M | $-189.3M |
自由现金流率AIZTAP
| Q4 25 | 18.3% | 11.4% | ||
| Q3 25 | 13.7% | 13.9% | ||
| Q2 25 | 6.5% | 14.8% | ||
| Q1 25 | 11.0% | -12.2% | ||
| Q4 24 | 1.1% | 11.8% | ||
| Q3 24 | 13.1% | 9.7% | ||
| Q2 24 | 22.4% | 18.0% | ||
| Q1 24 | 1.1% | -6.2% |
资本支出强度AIZTAP
| Q4 25 | 1.8% | 5.9% | ||
| Q3 25 | 1.9% | 3.8% | ||
| Q2 25 | 1.9% | 4.4% | ||
| Q1 25 | 1.7% | 8.8% | ||
| Q4 24 | 2.2% | 3.4% | ||
| Q3 24 | 1.6% | 4.7% | ||
| Q2 24 | 1.9% | 4.6% | ||
| Q1 24 | 1.8% | 7.0% |
现金转化率AIZTAP
| Q4 25 | 2.98× | 2.27× | ||
| Q3 25 | 1.90× | — | ||
| Q2 25 | 1.13× | 1.68× | ||
| Q1 25 | 2.68× | -0.75× | ||
| Q4 24 | 0.51× | 1.72× | ||
| Q3 24 | 3.26× | 2.61× | ||
| Q2 24 | 3.77× | 2.04× | ||
| Q1 24 | 0.35× | 0.12× |
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% |
TAP
暂无分部数据
