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Assurant（AIZ）与Waste Management（WM）财务数据对比。点击上方公司名可切换其他公司
Waste Management的季度营收约是Assurant的1.9倍（$6.2B vs $3.4B），Waste Management净利率更高（11.6% vs 6.7%，领先4.9%），Assurant同比增速更快（7.9% vs 3.5%），Waste Management自由现金流更多（$981.0M vs $611.7M），过去两年Assurant的营收复合增速更高（7.9% vs 7.4%）
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。
Waste Management是专业的废弃物管理服务提供商，业务覆盖废弃物从产生到最终处置的全流程，包含垃圾收集、运输、处理、处置等核心环节，同时涉及废弃物管理流程监督、相关法规合规、技术应用及商业机制优化等相关业务。
AIZ vs WM — 直观对比
营收规模更大
WM
是对方的1.9倍
$3.4B
营收增速更快
AIZ
高出4.4%
3.5%
净利率更高
WM
高出4.9%
6.7%
自由现金流更多
WM
多$369.3M
$611.7M
两年增速更快
AIZ
近两年复合增速
7.4%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $6.2B |
| 净利润 | $225.2M | $723.0M |
| 毛利率 | — | — |
| 营业利润率 | 8.5% | 17.9% |
| 净利率 | 6.7% | 11.6% |
| 营收同比 | 7.9% | 3.5% |
| 净利润同比 | 11.9% | 13.5% |
| 每股收益（稀释后） | $4.37 | $1.79 |
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AIZWM
| Q1 26 | — | $6.2B | ||
| Q4 25 | $3.4B | $6.3B | ||
| Q3 25 | $3.2B | $6.4B | ||
| Q2 25 | $3.2B | $6.4B | ||
| Q1 25 | $3.1B | $6.0B | ||
| Q4 24 | $3.1B | $5.9B | ||
| Q3 24 | $3.0B | $5.6B | ||
| Q2 24 | $2.9B | $5.4B |
净利润AIZWM
| Q1 26 | — | $723.0M | ||
| Q4 25 | $225.2M | $742.0M | ||
| Q3 25 | $265.6M | $603.0M | ||
| Q2 25 | $235.3M | $726.0M | ||
| Q1 25 | $146.6M | $637.0M | ||
| Q4 24 | $201.3M | $598.0M | ||
| Q3 24 | $133.8M | $760.0M | ||
| Q2 24 | $188.7M | $680.0M |
毛利率AIZWM
| Q1 26 | — | — | ||
| Q4 25 | — | 41.5% | ||
| Q3 25 | — | 40.5% | ||
| Q2 25 | — | 40.3% | ||
| Q1 25 | — | 39.4% | ||
| Q4 24 | — | 39.7% | ||
| Q3 24 | — | 39.4% | ||
| Q2 24 | — | 39.1% |
营业利润率AIZWM
| Q1 26 | — | 17.9% | ||
| Q4 25 | 8.5% | 18.3% | ||
| Q3 25 | 10.2% | 15.3% | ||
| Q2 25 | 9.2% | 17.9% | ||
| Q1 25 | 6.0% | 16.8% | ||
| Q4 24 | 8.1% | 15.6% | ||
| Q3 24 | 5.1% | 20.0% | ||
| Q2 24 | 8.0% | 18.7% |
净利率AIZWM
| Q1 26 | — | 11.6% | ||
| Q4 25 | 6.7% | 11.8% | ||
| Q3 25 | 8.2% | 9.4% | ||
| Q2 25 | 7.4% | 11.3% | ||
| Q1 25 | 4.8% | 10.6% | ||
| Q4 24 | 6.5% | 10.1% | ||
| Q3 24 | 4.5% | 13.5% | ||
| Q2 24 | 6.5% | 12.6% |
每股收益（稀释后）AIZWM
| Q1 26 | — | $1.79 | ||
| Q4 25 | $4.37 | $1.83 | ||
| Q3 25 | $5.17 | $1.49 | ||
| Q2 25 | $4.56 | $1.80 | ||
| Q1 25 | $2.83 | $1.58 | ||
| Q4 24 | $3.86 | $1.49 | ||
| Q3 24 | $2.55 | $1.88 | ||
| Q2 24 | $3.58 | $1.69 |
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 | $158.0M |
| 总债务越低越好 | — | $22.9B |
| 股东权益账面价值 | $5.9B | $10.0B |
| 总资产 | $36.3B | $45.7B |
| 负债/权益比越低杠杆越低 | — | 2.28× |
8季度趋势，按日历期对齐
现金及短期投资AIZWM
| Q1 26 | — | $158.0M | ||
| Q4 25 | $1.8B | $201.0M | ||
| Q3 25 | $1.7B | $175.0M | ||
| Q2 25 | $1.5B | $440.0M | ||
| Q1 25 | $1.7B | $216.0M | ||
| Q4 24 | $1.8B | $414.0M | ||
| Q3 24 | $1.8B | $614.0M | ||
| Q2 24 | $1.7B | $172.0M |
总债务AIZWM
| Q1 26 | — | $22.9B | ||
| Q4 25 | — | $22.2B | ||
| Q3 25 | — | $22.5B | ||
| Q2 25 | — | $23.1B | ||
| Q1 25 | — | $22.9B | ||
| Q4 24 | — | $22.5B | ||
| Q3 24 | — | $16.0B | ||
| Q2 24 | — | $16.5B |
股东权益AIZWM
| Q1 26 | — | $10.0B | ||
| Q4 25 | $5.9B | $10.0B | ||
| Q3 25 | $5.8B | $9.5B | ||
| Q2 25 | $5.5B | $9.2B | ||
| Q1 25 | $5.2B | $8.7B | ||
| Q4 24 | $5.1B | $8.3B | ||
| Q3 24 | $5.3B | $8.0B | ||
| Q2 24 | $5.0B | $7.5B |
总资产AIZWM
| Q1 26 | — | $45.7B | ||
| Q4 25 | $36.3B | $45.8B | ||
| Q3 25 | $35.8B | $45.6B | ||
| Q2 25 | $35.5B | $45.7B | ||
| Q1 25 | $35.0B | $44.5B | ||
| Q4 24 | $35.0B | $44.6B | ||
| Q3 24 | $35.3B | $34.7B | ||
| Q2 24 | $33.8B | $34.0B |
负债/权益比AIZWM
| Q1 26 | — | 2.28× | ||
| Q4 25 | — | 2.22× | ||
| Q3 25 | — | 2.36× | ||
| Q2 25 | — | 2.51× | ||
| Q1 25 | — | 2.65× | ||
| Q4 24 | — | 2.73× | ||
| Q3 24 | — | 2.00× | ||
| Q2 24 | — | 2.21× |
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 | $1.5B |
| 自由现金流经营现金流 - 资本支出 | $611.7M | $981.0M |
| 自由现金流率自由现金流/营收 | 18.3% | 15.8% |
| 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× | 2.08× |
| 过去12个月自由现金流最近4个季度 | $1.6B | $3.4B |
8季度趋势，按日历期对齐
经营现金流AIZWM
| Q1 26 | — | $1.5B | ||
| Q4 25 | $671.0M | $1.7B | ||
| Q3 25 | $505.0M | $1.6B | ||
| Q2 25 | $265.5M | $1.5B | ||
| Q1 25 | $392.4M | $1.2B | ||
| Q4 24 | $102.8M | $1.5B | ||
| Q3 24 | $436.5M | $1.4B | ||
| Q2 24 | $710.9M | $1.2B |
自由现金流AIZWM
| Q1 26 | — | $981.0M | ||
| Q4 25 | $611.7M | $810.0M | ||
| Q3 25 | $442.1M | $816.0M | ||
| Q2 25 | $205.6M | $813.0M | ||
| Q1 25 | $339.0M | $377.0M | ||
| Q4 24 | $34.8M | $396.0M | ||
| Q3 24 | $389.4M | $577.0M | ||
| Q2 24 | $655.5M | $487.0M |
自由现金流率AIZWM
| Q1 26 | — | 15.8% | ||
| Q4 25 | 18.3% | 12.8% | ||
| Q3 25 | 13.7% | 12.7% | ||
| Q2 25 | 6.5% | 12.6% | ||
| Q1 25 | 11.0% | 6.3% | ||
| Q4 24 | 1.1% | 6.7% | ||
| Q3 24 | 13.1% | 10.3% | ||
| Q2 24 | 22.4% | 9.0% |
资本支出强度AIZWM
| Q1 26 | — | — | ||
| Q4 25 | 1.8% | 14.1% | ||
| Q3 25 | 1.9% | 12.0% | ||
| Q2 25 | 1.9% | 11.4% | ||
| Q1 25 | 1.7% | 13.8% | ||
| Q4 24 | 2.2% | 18.9% | ||
| Q3 24 | 1.6% | 13.9% | ||
| Q2 24 | 1.9% | 12.3% |
现金转化率AIZWM
| Q1 26 | — | 2.08× | ||
| Q4 25 | 2.98× | 2.29× | ||
| Q3 25 | 1.90× | 2.64× | ||
| Q2 25 | 1.13× | 2.13× | ||
| Q1 25 | 2.68× | 1.90× | ||
| Q4 24 | 0.51× | 2.53× | ||
| Q3 24 | 3.26× | 1.79× | ||
| Q2 24 | 3.77× | 1.70× |
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% |
WM
暂无分部数据
