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好事达（ALL）与Maplebear Inc.（CART）财务数据对比。点击上方公司名可切换其他公司
好事达的季度营收约是Maplebear Inc.的17.1倍（$16.9B vs $992.0M），好事达净利率更高（14.5% vs 8.2%，领先6.3%），Maplebear Inc.同比增速更快（12.3% vs 3.0%），过去两年Maplebear Inc.的营收复合增速更高（10.0% vs 3.8%）
好事达集团是面向美国、加拿大市场的综合性保险服务商，提供财产险、意外险及其他保险产品。旗下设好事达保险、保障服务、健康福利、到期财产责任险四大板块，主营私人乘用车险、房屋保险，亦覆盖摩托车、房车、越野车等特种车险及各类个人保险产品。
Maplebear Inc. 以Instacart为品牌开展业务，是总部位于美国旧金山的零售媒体及配送企业，在美国和加拿大运营生鲜杂货配送与自提服务。用户可通过官网及移动应用从合作商户订购食品杂货，在法律允许的地区还可选购酒类商品，所有订单由专属采购专员负责拣选、打包并配送上门。
ALL vs CART — 直观对比
营收规模更大
ALL
是对方的17.1倍
$992.0M
营收增速更快
CART
高出9.4%
3.0%
净利率更高
ALL
高出6.3%
8.2%
两年增速更快
CART
近两年复合增速
3.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $16.9B | $992.0M |
| 净利润 | $2.5B | $81.0M |
| 毛利率 | — | 72.3% |
| 营业利润率 | 18.3% | 9.9% |
| 净利率 | 14.5% | 8.2% |
| 营收同比 | 3.0% | 12.3% |
| 净利润同比 | 312.4% | -45.3% |
| 每股收益（稀释后） | $9.25 | $0.31 |
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ALLCART
| Q1 26 | $16.9B | — | ||
| Q4 25 | $17.3B | $992.0M | ||
| Q3 25 | $17.3B | $939.0M | ||
| Q2 25 | $16.6B | $914.0M | ||
| Q1 25 | $16.5B | $897.0M | ||
| Q4 24 | $16.5B | $883.0M | ||
| Q3 24 | $16.6B | $852.0M | ||
| Q2 24 | $15.7B | $823.0M |
净利润ALLCART
| Q1 26 | $2.5B | — | ||
| Q4 25 | $3.8B | $81.0M | ||
| Q3 25 | $3.7B | $144.0M | ||
| Q2 25 | $2.1B | $116.0M | ||
| Q1 25 | $595.0M | $106.0M | ||
| Q4 24 | $1.9B | $148.0M | ||
| Q3 24 | $1.2B | $118.0M | ||
| Q2 24 | $331.0M | $61.0M |
毛利率ALLCART
| Q1 26 | — | — | ||
| Q4 25 | — | 72.3% | ||
| Q3 25 | — | 73.7% | ||
| Q2 25 | — | 74.2% | ||
| Q1 25 | — | 74.8% | ||
| Q4 24 | — | 75.2% | ||
| Q3 24 | — | 75.2% | ||
| Q2 24 | — | 75.7% |
营业利润率ALLCART
| Q1 26 | 18.3% | — | ||
| Q4 25 | — | 9.9% | ||
| Q3 25 | — | 17.7% | ||
| Q2 25 | — | 13.6% | ||
| Q1 25 | — | 12.3% | ||
| Q4 24 | — | 17.6% | ||
| Q3 24 | — | 16.2% | ||
| Q2 24 | — | 6.3% |
净利率ALLCART
| Q1 26 | 14.5% | — | ||
| Q4 25 | 22.1% | 8.2% | ||
| Q3 25 | 21.7% | 15.3% | ||
| Q2 25 | 12.7% | 12.7% | ||
| Q1 25 | 3.6% | 11.8% | ||
| Q4 24 | 11.7% | 16.8% | ||
| Q3 24 | 7.2% | 13.8% | ||
| Q2 24 | 2.1% | 7.4% |
每股收益（稀释后）ALLCART
| Q1 26 | $9.25 | — | ||
| Q4 25 | $14.24 | $0.31 | ||
| Q3 25 | $13.95 | $0.51 | ||
| Q2 25 | $7.76 | $0.41 | ||
| Q1 25 | $2.11 | $0.37 | ||
| Q4 24 | $7.07 | $0.53 | ||
| Q3 24 | $4.33 | $0.42 | ||
| Q2 24 | $1.13 | $0.20 |
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 | — | $687.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $31.6B | $2.5B |
| 总资产 | $124.0B | $3.7B |
| 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ALLCART
| Q1 26 | — | — | ||
| Q4 25 | $4.9B | $687.0M | ||
| Q3 25 | $8.7B | $1.7B | ||
| Q2 25 | $9.6B | $1.6B | ||
| Q1 25 | $6.5B | $1.6B | ||
| Q4 24 | $4.5B | $1.4B | ||
| Q3 24 | $7.0B | $1.3B | ||
| Q2 24 | $5.3B | $1.4B |
总债务ALLCART
| Q1 26 | — | — | ||
| Q4 25 | $7.5B | — | ||
| Q3 25 | $8.1B | — | ||
| Q2 25 | $8.1B | — | ||
| Q1 25 | $8.1B | — | ||
| Q4 24 | $8.1B | — | ||
| Q3 24 | $8.1B | — | ||
| Q2 24 | $8.1B | — |
股东权益ALLCART
| Q1 26 | $31.6B | — | ||
| Q4 25 | $30.6B | $2.5B | ||
| Q3 25 | $27.5B | $3.5B | ||
| Q2 25 | $24.0B | $3.3B | ||
| Q1 25 | $22.1B | $3.2B | ||
| Q4 24 | $21.4B | $3.1B | ||
| Q3 24 | $20.9B | $2.9B | ||
| Q2 24 | $18.6B | $3.0B |
总资产ALLCART
| Q1 26 | $124.0B | — | ||
| Q4 25 | $119.8B | $3.7B | ||
| Q3 25 | $120.4B | $4.5B | ||
| Q2 25 | $115.9B | $4.4B | ||
| Q1 25 | $115.2B | $4.3B | ||
| Q4 24 | $111.6B | $4.1B | ||
| Q3 24 | $113.7B | $3.9B | ||
| Q2 24 | $108.4B | $4.0B |
负债/权益比ALLCART
| Q1 26 | — | — | ||
| Q4 25 | 0.24× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | 0.37× | — | ||
| Q4 24 | 0.38× | — | ||
| Q3 24 | 0.39× | — | ||
| Q2 24 | 0.43× | — |
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 | — | $183.0M |
| 自由现金流经营现金流 - 资本支出 | — | $171.0M |
| 自由现金流率自由现金流/营收 | — | 17.2% |
| 资本支出强度资本支出/营收 | — | 1.2% |
| 现金转化率经营现金流/净利润 | — | 2.26× |
| 过去12个月自由现金流最近4个季度 | — | $910.0M |
8季度趋势，按日历期对齐
经营现金流ALLCART
| Q1 26 | — | — | ||
| Q4 25 | $3.0B | $183.0M | ||
| Q3 25 | $3.3B | $287.0M | ||
| Q2 25 | $1.9B | $203.0M | ||
| Q1 25 | $2.0B | $298.0M | ||
| Q4 24 | $1.7B | $153.0M | ||
| Q3 24 | $3.2B | $185.0M | ||
| Q2 24 | $2.4B | $244.0M |
自由现金流ALLCART
| Q1 26 | — | — | ||
| Q4 25 | $2.9B | $171.0M | ||
| Q3 25 | $3.2B | $272.0M | ||
| Q2 25 | $1.9B | $187.0M | ||
| Q1 25 | $1.9B | $280.0M | ||
| Q4 24 | $1.7B | $141.0M | ||
| Q3 24 | $3.1B | $171.0M | ||
| Q2 24 | $2.3B | $220.0M |
自由现金流率ALLCART
| Q1 26 | — | — | ||
| Q4 25 | 16.7% | 17.2% | ||
| Q3 25 | 18.8% | 29.0% | ||
| Q2 25 | 11.3% | 20.5% | ||
| Q1 25 | 11.4% | 31.2% | ||
| Q4 24 | 10.0% | 16.0% | ||
| Q3 24 | 18.9% | 20.1% | ||
| Q2 24 | 14.7% | 26.7% |
资本支出强度ALLCART
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 1.2% | ||
| Q3 25 | 0.3% | 1.6% | ||
| Q2 25 | 0.0% | 1.8% | ||
| Q1 25 | 0.6% | 2.0% | ||
| Q4 24 | 0.3% | 1.4% | ||
| Q3 24 | 0.4% | 1.6% | ||
| Q2 24 | 0.4% | 2.9% |
现金转化率ALLCART
| Q1 26 | — | — | ||
| Q4 25 | 0.78× | 2.26× | ||
| Q3 25 | 0.88× | 1.99× | ||
| Q2 25 | 0.89× | 1.75× | ||
| Q1 25 | 3.30× | 2.81× | ||
| Q4 24 | 0.88× | 1.03× | ||
| Q3 24 | 2.69× | 1.57× | ||
| Q2 24 | 7.13× | 4.00× |
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
ALL
| Property and casualty insurance premiums | $15.6B | 92% |
| Other revenue | $719.0M | 4% |
| Other | $533.0M | 3% |
| Accident and health insurance premiums and contract charges | $136.0M | 1% |
CART
| Transaction | $698.0M | 70% |
| Advertising And Other | $294.0M | 30% |
