vs
Assurant（AIZ）与W. R. Berkley Corporation（WRB）财务数据对比。点击上方公司名可切换其他公司
W. R. Berkley Corporation的季度营收约是Assurant的1.1倍（$3.7B vs $3.4B），W. R. Berkley Corporation净利率更高（14.0% vs 6.7%，领先7.2%），Assurant同比增速更快（7.9% vs 4.0%），过去两年Assurant的营收复合增速更高（7.9% vs 5.5%）
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。
W. R. Berkley Corporation由威廉·罗伯特·伯克利创立，他目前担任该公司董事长，同时兼任纽约大学校董会主席，在企业经营管理及高等教育治理领域均具备深厚的经验积累。
AIZ vs WRB — 直观对比
营收规模更大
WRB
是对方的1.1倍
$3.4B
营收增速更快
AIZ
高出3.9%
4.0%
净利率更高
WRB
高出7.2%
6.7%
两年增速更快
AIZ
近两年复合增速
5.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $3.7B |
| 净利润 | $225.2M | $515.2M |
| 毛利率 | — | — |
| 营业利润率 | 8.5% | — |
| 净利率 | 6.7% | 14.0% |
| 营收同比 | 7.9% | 4.0% |
| 净利润同比 | 11.9% | 23.4% |
| 每股收益（稀释后） | $4.37 | $1.31 |
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AIZWRB
| Q1 26 | — | $3.7B | ||
| Q4 25 | $3.4B | $3.7B | ||
| Q3 25 | $3.2B | $3.8B | ||
| Q2 25 | $3.2B | $3.7B | ||
| Q1 25 | $3.1B | $3.5B | ||
| Q4 24 | $3.1B | $3.7B | ||
| Q3 24 | $3.0B | $3.4B | ||
| Q2 24 | $2.9B | $3.3B |
净利润AIZWRB
| Q1 26 | — | $515.2M | ||
| Q4 25 | $225.2M | $449.5M | ||
| Q3 25 | $265.6M | $511.0M | ||
| Q2 25 | $235.3M | $401.3M | ||
| Q1 25 | $146.6M | $417.6M | ||
| Q4 24 | $201.3M | $576.1M | ||
| Q3 24 | $133.8M | $365.6M | ||
| Q2 24 | $188.7M | $371.9M |
营业利润率AIZWRB
| Q1 26 | — | — | ||
| Q4 25 | 8.5% | 15.4% | ||
| Q3 25 | 10.2% | 17.2% | ||
| Q2 25 | 9.2% | 14.2% | ||
| Q1 25 | 6.0% | 15.2% | ||
| Q4 24 | 8.1% | 19.9% | ||
| Q3 24 | 5.1% | 14.0% | ||
| Q2 24 | 8.0% | 14.7% |
净利率AIZWRB
| Q1 26 | — | 14.0% | ||
| Q4 25 | 6.7% | 12.1% | ||
| Q3 25 | 8.2% | 13.6% | ||
| Q2 25 | 7.4% | 10.9% | ||
| Q1 25 | 4.8% | 11.8% | ||
| Q4 24 | 6.5% | 15.7% | ||
| Q3 24 | 4.5% | 10.8% | ||
| Q2 24 | 6.5% | 11.2% |
每股收益（稀释后）AIZWRB
| Q1 26 | — | $1.31 | ||
| Q4 25 | $4.37 | $1.13 | ||
| Q3 25 | $5.17 | $1.28 | ||
| Q2 25 | $4.56 | $1.00 | ||
| Q1 25 | $2.83 | $1.04 | ||
| Q4 24 | $3.86 | $0.89 | ||
| Q3 24 | $2.55 | $0.91 | ||
| Q2 24 | $3.58 | $0.92 |
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 | $2.1B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.9B | — |
| 总资产 | $36.3B | $44.3B |
| 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AIZWRB
| Q1 26 | — | $2.1B | ||
| Q4 25 | $1.8B | $2.5B | ||
| Q3 25 | $1.7B | $2.4B | ||
| Q2 25 | $1.5B | $2.0B | ||
| Q1 25 | $1.7B | $1.7B | ||
| Q4 24 | $1.8B | $2.0B | ||
| Q3 24 | $1.8B | $1.6B | ||
| Q2 24 | $1.7B | $1.6B |
股东权益AIZWRB
| Q1 26 | — | — | ||
| Q4 25 | $5.9B | $9.7B | ||
| Q3 25 | $5.8B | $9.8B | ||
| Q2 25 | $5.5B | $9.3B | ||
| Q1 25 | $5.2B | $8.9B | ||
| Q4 24 | $5.1B | $8.4B | ||
| Q3 24 | $5.3B | $8.4B | ||
| Q2 24 | $5.0B | $7.8B |
总资产AIZWRB
| Q1 26 | — | $44.3B | ||
| Q4 25 | $36.3B | $44.1B | ||
| Q3 25 | $35.8B | $43.7B | ||
| Q2 25 | $35.5B | $42.7B | ||
| Q1 25 | $35.0B | $41.3B | ||
| Q4 24 | $35.0B | $40.6B | ||
| Q3 24 | $35.3B | $40.4B | ||
| Q2 24 | $33.8B | $38.9B |
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AIZWRB
| Q1 26 | — | — | ||
| Q4 25 | $671.0M | $995.1M | ||
| Q3 25 | $505.0M | $1.1B | ||
| Q2 25 | $265.5M | $703.8M | ||
| Q1 25 | $392.4M | $743.8M | ||
| Q4 24 | $102.8M | $810.0M | ||
| Q3 24 | $436.5M | $1.2B | ||
| Q2 24 | $710.9M | $881.3M |
自由现金流AIZWRB
| Q1 26 | — | — | ||
| 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AIZWRB
| Q1 26 | — | — | ||
| 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AIZWRB
| Q1 26 | — | — | ||
| 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AIZWRB
| Q1 26 | — | — | ||
| Q4 25 | 2.98× | 2.21× | ||
| Q3 25 | 1.90× | 2.23× | ||
| Q2 25 | 1.13× | 1.75× | ||
| Q1 25 | 2.68× | 1.78× | ||
| Q4 24 | 0.51× | 1.41× | ||
| Q3 24 | 3.26× | 3.39× | ||
| Q2 24 | 3.77× | 2.37× |
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% |
WRB
暂无分部数据
