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好事达（ALL）与安达（CB）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安达的1.2倍（$17.3B vs $15.1B），好事达净利率更高（22.1% vs 21.3%，领先0.8%），安达同比增速更快（6.3% vs 5.1%），过去两年安达的营收复合增速更高（8.1% vs 6.6%）
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。
安达是注册地位于苏黎世的跨国保险集团，在纽约证券交易所上市，为标普500指数成分股。作为全球最大的上市财产及意外伤害保险公司，其业务涵盖财产险、意外险、健康险、再保险、寿险等领域，在全球55个国家和地区及伦敦劳合社市场运营。
ALL vs CB — 直观对比
营收规模更大
ALL
是对方的1.2倍
$15.1B
营收增速更快
CB
高出1.2%
5.1%
净利率更高
ALL
高出0.8%
21.3%
两年增速更快
CB
近两年复合增速
6.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $15.1B |
| 净利润 | $3.8B | $3.2B |
| 毛利率 | — | — |
| 营业利润率 | — | 25.0% |
| 净利率 | 22.1% | 21.3% |
| 营收同比 | 5.1% | 6.3% |
| 净利润同比 | 98.8% | 24.7% |
| 每股收益（稀释后） | $14.24 | $8.05 |
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ALLCB
| Q4 25 | $17.3B | $15.1B | ||
| Q3 25 | $17.3B | $16.1B | ||
| Q2 25 | $16.6B | $14.8B | ||
| Q1 25 | $16.5B | $13.4B | ||
| Q4 24 | $16.5B | $14.2B | ||
| Q3 24 | $16.6B | $14.8B | ||
| Q2 24 | $15.7B | $13.8B | ||
| Q1 24 | $15.3B | $12.9B |
净利润ALLCB
| Q4 25 | $3.8B | $3.2B | ||
| Q3 25 | $3.7B | $2.8B | ||
| Q2 25 | $2.1B | $3.0B | ||
| Q1 25 | $595.0M | $1.3B | ||
| Q4 24 | $1.9B | $2.6B | ||
| Q3 24 | $1.2B | $2.3B | ||
| Q2 24 | $331.0M | $2.2B | ||
| Q1 24 | $1.2B | $2.1B |
营业利润率ALLCB
| Q4 25 | — | 25.0% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 25.0% | ||
| Q1 25 | — | 12.5% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 20.2% | ||
| Q2 24 | — | 19.6% | ||
| Q1 24 | — | 20.4% |
净利率ALLCB
| Q4 25 | 22.1% | 21.3% | ||
| Q3 25 | 21.7% | 17.3% | ||
| Q2 25 | 12.7% | 20.0% | ||
| Q1 25 | 3.6% | 10.0% | ||
| Q4 24 | 11.7% | 18.2% | ||
| Q3 24 | 7.2% | 15.7% | ||
| Q2 24 | 2.1% | 16.1% | ||
| Q1 24 | 8.0% | 16.6% |
每股收益（稀释后）ALLCB
| Q4 25 | $14.24 | $8.05 | ||
| Q3 25 | $13.95 | $6.99 | ||
| Q2 25 | $7.76 | $7.35 | ||
| Q1 25 | $2.11 | $3.29 | ||
| Q4 24 | $7.07 | $6.31 | ||
| Q3 24 | $4.33 | $5.70 | ||
| Q2 24 | $1.13 | $5.46 | ||
| Q1 24 | $4.46 | $5.23 |
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 | $4.9B | — |
| 总债务越低越好 | $7.5B | $15.7B |
| 股东权益账面价值 | $30.6B | $73.8B |
| 总资产 | $119.8B | $272.3B |
| 负债/权益比越低杠杆越低 | 0.24× | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资ALLCB
| Q4 25 | $4.9B | — | ||
| Q3 25 | $8.7B | — | ||
| Q2 25 | $9.6B | — | ||
| Q1 25 | $6.5B | — | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $7.0B | — | ||
| Q2 24 | $5.3B | — | ||
| Q1 24 | $4.3B | — |
总债务ALLCB
| Q4 25 | $7.5B | $15.7B | ||
| Q3 25 | $8.1B | $15.7B | ||
| Q2 25 | $8.1B | $13.5B | ||
| Q1 25 | $8.1B | $14.5B | ||
| Q4 24 | $8.1B | $14.4B | ||
| Q3 24 | $8.1B | $14.6B | ||
| Q2 24 | $8.1B | $13.2B | ||
| Q1 24 | $7.9B | $13.2B |
股东权益ALLCB
| Q4 25 | $30.6B | $73.8B | ||
| Q3 25 | $27.5B | $71.9B | ||
| Q2 25 | $24.0B | $69.4B | ||
| Q1 25 | $22.1B | $65.7B | ||
| Q4 24 | $21.4B | $64.0B | ||
| Q3 24 | $20.9B | $65.8B | ||
| Q2 24 | $18.6B | $61.0B | ||
| Q1 24 | $18.6B | $60.5B |
总资产ALLCB
| Q4 25 | $119.8B | $272.3B | ||
| Q3 25 | $120.4B | $270.2B | ||
| Q2 25 | $115.9B | $261.6B | ||
| Q1 25 | $115.2B | $251.8B | ||
| Q4 24 | $111.6B | $246.5B | ||
| Q3 24 | $113.7B | $250.6B | ||
| Q2 24 | $108.4B | $238.6B | ||
| Q1 24 | $105.2B | $234.9B |
负债/权益比ALLCB
| Q4 25 | 0.24× | 0.21× | ||
| Q3 25 | 0.29× | 0.22× | ||
| Q2 25 | 0.34× | 0.19× | ||
| Q1 25 | 0.37× | 0.22× | ||
| Q4 24 | 0.38× | 0.22× | ||
| Q3 24 | 0.39× | 0.22× | ||
| Q2 24 | 0.43× | 0.22× | ||
| Q1 24 | 0.43× | 0.22× |
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 | $3.0B | $4.1B |
| 自由现金流经营现金流 - 资本支出 | $2.9B | — |
| 自由现金流率自由现金流/营收 | 16.7% | — |
| 资本支出强度资本支出/营收 | 0.5% | — |
| 现金转化率经营现金流/净利润 | 0.78× | 1.26× |
| 过去12个月自由现金流最近4个季度 | $9.9B | — |
8季度趋势，按日历期对齐
经营现金流ALLCB
| Q4 25 | $3.0B | $4.1B | ||
| Q3 25 | $3.3B | $3.6B | ||
| Q2 25 | $1.9B | $3.6B | ||
| Q1 25 | $2.0B | $1.6B | ||
| Q4 24 | $1.7B | $4.6B | ||
| Q3 24 | $3.2B | $4.3B | ||
| Q2 24 | $2.4B | $4.1B | ||
| Q1 24 | $1.7B | $3.2B |
自由现金流ALLCB
| Q4 25 | $2.9B | — | ||
| Q3 25 | $3.2B | — | ||
| Q2 25 | $1.9B | — | ||
| Q1 25 | $1.9B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $3.1B | — | ||
| Q2 24 | $2.3B | — | ||
| Q1 24 | $1.6B | — |
自由现金流率ALLCB
| Q4 25 | 16.7% | — | ||
| Q3 25 | 18.8% | — | ||
| Q2 25 | 11.3% | — | ||
| Q1 25 | 11.4% | — | ||
| Q4 24 | 10.0% | — | ||
| Q3 24 | 18.9% | — | ||
| Q2 24 | 14.7% | — | ||
| Q1 24 | 10.6% | — |
资本支出强度ALLCB
| Q4 25 | 0.5% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.3% | — |
现金转化率ALLCB
| Q4 25 | 0.78× | 1.26× | ||
| Q3 25 | 0.88× | 1.30× | ||
| Q2 25 | 0.89× | 1.20× | ||
| Q1 25 | 3.30× | 1.18× | ||
| Q4 24 | 0.88× | 1.77× | ||
| Q3 24 | 2.69× | 1.86× | ||
| Q2 24 | 7.13× | 1.83× | ||
| Q1 24 | 1.37× | 1.50× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
