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Assurant（AIZ）与XPO, Inc.（XPO）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XPO, Inc.的1.7倍（$3.4B vs $2.0B），Assurant净利率更高（6.7% vs 2.9%，领先3.8%），Assurant同比增速更快（7.9% vs 4.7%），过去两年Assurant的营收复合增速更高（7.9% vs -0.1%）
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。
XPO Inc.（原XPO物流）是美国交通运输企业，主营北美区域零担货运业务，总部位于康涅狄格州格林尼治，全球共设592个运营网点。作为北美第二大零担货运服务商，其服务覆盖99%的美国邮政编码区域。
AIZ vs XPO — 直观对比
营收规模更大
AIZ
是对方的1.7倍
$2.0B
营收增速更快
AIZ
高出3.2%
4.7%
净利率更高
AIZ
高出3.8%
2.9%
两年增速更快
AIZ
近两年复合增速
-0.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $2.0B |
| 净利润 | $225.2M | $59.0M |
| 毛利率 | — | — |
| 营业利润率 | 8.5% | 7.1% |
| 净利率 | 6.7% | 2.9% |
| 营收同比 | 7.9% | 4.7% |
| 净利润同比 | 11.9% | -21.3% |
| 每股收益（稀释后） | $4.37 | $0.49 |
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AIZXPO
| Q4 25 | $3.4B | $2.0B | ||
| Q3 25 | $3.2B | $2.1B | ||
| Q2 25 | $3.2B | $2.1B | ||
| Q1 25 | $3.1B | $2.0B | ||
| Q4 24 | $3.1B | $1.9B | ||
| Q3 24 | $3.0B | $2.1B | ||
| Q2 24 | $2.9B | $2.1B | ||
| Q1 24 | $2.9B | $2.0B |
净利润AIZXPO
| Q4 25 | $225.2M | $59.0M | ||
| Q3 25 | $265.6M | $82.0M | ||
| Q2 25 | $235.3M | $106.0M | ||
| Q1 25 | $146.6M | $69.0M | ||
| Q4 24 | $201.3M | $75.0M | ||
| Q3 24 | $133.8M | $95.0M | ||
| Q2 24 | $188.7M | $150.0M | ||
| Q1 24 | $236.4M | $67.0M |
营业利润率AIZXPO
| Q4 25 | 8.5% | 7.1% | ||
| Q3 25 | 10.2% | 7.8% | ||
| Q2 25 | 9.2% | 9.5% | ||
| Q1 25 | 6.0% | 7.7% | ||
| Q4 24 | 8.1% | 7.8% | ||
| Q3 24 | 5.1% | 8.6% | ||
| Q2 24 | 8.0% | 9.5% | ||
| Q1 24 | 10.2% | 6.8% |
净利率AIZXPO
| Q4 25 | 6.7% | 2.9% | ||
| Q3 25 | 8.2% | 3.9% | ||
| Q2 25 | 7.4% | 5.1% | ||
| Q1 25 | 4.8% | 3.5% | ||
| Q4 24 | 6.5% | 3.9% | ||
| Q3 24 | 4.5% | 4.6% | ||
| Q2 24 | 6.5% | 7.2% | ||
| Q1 24 | 8.2% | 3.3% |
每股收益（稀释后）AIZXPO
| Q4 25 | $4.37 | $0.49 | ||
| Q3 25 | $5.17 | $0.68 | ||
| Q2 25 | $4.56 | $0.89 | ||
| Q1 25 | $2.83 | $0.58 | ||
| Q4 24 | $3.86 | $0.63 | ||
| Q3 24 | $2.55 | $0.79 | ||
| Q2 24 | $3.58 | $1.25 | ||
| Q1 24 | $4.47 | $0.56 |
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 | $310.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.9B | $1.9B |
| 总资产 | $36.3B | $8.2B |
| 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AIZXPO
| Q4 25 | $1.8B | $310.0M | ||
| Q3 25 | $1.7B | $335.0M | ||
| Q2 25 | $1.5B | $225.0M | ||
| Q1 25 | $1.7B | $212.0M | ||
| Q4 24 | $1.8B | $246.0M | ||
| Q3 24 | $1.8B | $378.0M | ||
| Q2 24 | $1.7B | $250.0M | ||
| Q1 24 | $1.3B | $229.0M |
股东权益AIZXPO
| Q4 25 | $5.9B | $1.9B | ||
| Q3 25 | $5.8B | $1.8B | ||
| Q2 25 | $5.5B | $1.8B | ||
| Q1 25 | $5.2B | $1.6B | ||
| Q4 24 | $5.1B | $1.6B | ||
| Q3 24 | $5.3B | $1.6B | ||
| Q2 24 | $5.0B | $1.5B | ||
| Q1 24 | $4.9B | $1.3B |
总资产AIZXPO
| Q4 25 | $36.3B | $8.2B | ||
| Q3 25 | $35.8B | $8.2B | ||
| Q2 25 | $35.5B | $8.1B | ||
| Q1 25 | $35.0B | $7.9B | ||
| Q4 24 | $35.0B | $7.7B | ||
| Q3 24 | $35.3B | $7.9B | ||
| Q2 24 | $33.8B | $7.7B | ||
| Q1 24 | $33.2B | $7.6B |
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% | 5.3% |
| 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AIZXPO
| Q4 25 | $671.0M | — | ||
| Q3 25 | $505.0M | $371.0M | ||
| Q2 25 | $265.5M | $247.0M | ||
| Q1 25 | $392.4M | $142.0M | ||
| Q4 24 | $102.8M | $189.0M | ||
| Q3 24 | $436.5M | $264.0M | ||
| Q2 24 | $710.9M | $210.0M | ||
| Q1 24 | $82.5M | $145.0M |
自由现金流AIZXPO
| Q4 25 | $611.7M | — | ||
| Q3 25 | $442.1M | $215.0M | ||
| Q2 25 | $205.6M | $51.0M | ||
| Q1 25 | $339.0M | $-57.0M | ||
| Q4 24 | $34.8M | $23.0M | ||
| Q3 24 | $389.4M | $137.0M | ||
| Q2 24 | $655.5M | $20.0M | ||
| Q1 24 | $31.7M | $-161.0M |
自由现金流率AIZXPO
| Q4 25 | 18.3% | — | ||
| Q3 25 | 13.7% | 10.2% | ||
| Q2 25 | 6.5% | 2.5% | ||
| Q1 25 | 11.0% | -2.9% | ||
| Q4 24 | 1.1% | 1.2% | ||
| Q3 24 | 13.1% | 6.7% | ||
| Q2 24 | 22.4% | 1.0% | ||
| Q1 24 | 1.1% | -8.0% |
资本支出强度AIZXPO
| Q4 25 | 1.8% | 5.3% | ||
| Q3 25 | 1.9% | 7.4% | ||
| Q2 25 | 1.9% | 9.4% | ||
| Q1 25 | 1.7% | 10.2% | ||
| Q4 24 | 2.2% | 8.6% | ||
| Q3 24 | 1.6% | 6.2% | ||
| Q2 24 | 1.9% | 9.1% | ||
| Q1 24 | 1.8% | 15.2% |
现金转化率AIZXPO
| Q4 25 | 2.98× | — | ||
| Q3 25 | 1.90× | 4.52× | ||
| Q2 25 | 1.13× | 2.33× | ||
| Q1 25 | 2.68× | 2.06× | ||
| Q4 24 | 0.51× | 2.52× | ||
| Q3 24 | 3.26× | 2.78× | ||
| Q2 24 | 3.77× | 1.40× | ||
| Q1 24 | 0.35× | 2.16× |
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% |
XPO
| North American LTL | $1.2B | 58% |
| European Transportation | $844.0M | 42% |
