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好事达（ALL）与Humana（HUM）财务数据对比。点击上方公司名可切换其他公司
Humana的季度营收约是好事达的1.9倍（$32.5B vs $17.3B），好事达净利率更高（22.1% vs -2.4%，领先24.5%），Humana同比增速更快（11.3% vs 5.1%），好事达自由现金流更多（$2.9B vs $-1.9B），过去两年好事达的营收复合增速更高（6.6% vs 4.8%）
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。
Humana是总部位于美国肯塔基州路易斯维尔的营利性健康保险企业，为美国第四大健康保险服务商。2024年该公司位列《财富》美国500强第92位，是肯塔基州上榜企业中排名最高的一家。
ALL vs HUM — 直观对比
营收规模更大
HUM
是对方的1.9倍
$17.3B
营收增速更快
HUM
高出6.2%
5.1%
净利率更高
ALL
高出24.5%
-2.4%
自由现金流更多
ALL
多$4.8B
$-1.9B
两年增速更快
ALL
近两年复合增速
4.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $32.5B |
| 净利润 | $3.8B | $-796.0M |
| 毛利率 | — | — |
| 营业利润率 | — | -2.5% |
| 净利率 | 22.1% | -2.4% |
| 营收同比 | 5.1% | 11.3% |
| 净利润同比 | 98.8% | -14.9% |
| 每股收益（稀释后） | $14.24 | $-6.59 |
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ALLHUM
| Q4 25 | $17.3B | $32.5B | ||
| Q3 25 | $17.3B | $32.6B | ||
| Q2 25 | $16.6B | $32.4B | ||
| Q1 25 | $16.5B | $32.1B | ||
| Q4 24 | $16.5B | $29.2B | ||
| Q3 24 | $16.6B | $29.4B | ||
| Q2 24 | $15.7B | $29.5B | ||
| Q1 24 | $15.3B | $29.6B |
净利润ALLHUM
| Q4 25 | $3.8B | $-796.0M | ||
| Q3 25 | $3.7B | $195.0M | ||
| Q2 25 | $2.1B | $545.0M | ||
| Q1 25 | $595.0M | $1.2B | ||
| Q4 24 | $1.9B | $-693.0M | ||
| Q3 24 | $1.2B | $480.0M | ||
| Q2 24 | $331.0M | $679.0M | ||
| Q1 24 | $1.2B | $741.0M |
营业利润率ALLHUM
| Q4 25 | — | -2.5% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 6.3% | ||
| Q4 24 | — | -1.9% | ||
| Q3 24 | — | 2.5% | ||
| Q2 24 | — | 3.9% | ||
| Q1 24 | — | 4.2% |
净利率ALLHUM
| Q4 25 | 22.1% | -2.4% | ||
| Q3 25 | 21.7% | 0.6% | ||
| Q2 25 | 12.7% | 1.7% | ||
| Q1 25 | 3.6% | 3.9% | ||
| Q4 24 | 11.7% | -2.4% | ||
| Q3 24 | 7.2% | 1.6% | ||
| Q2 24 | 2.1% | 2.3% | ||
| Q1 24 | 8.0% | 2.5% |
每股收益（稀释后）ALLHUM
| Q4 25 | $14.24 | $-6.59 | ||
| Q3 25 | $13.95 | $1.62 | ||
| Q2 25 | $7.76 | $4.51 | ||
| Q1 25 | $2.11 | $10.30 | ||
| Q4 24 | $7.07 | $-5.73 | ||
| Q3 24 | $4.33 | $3.98 | ||
| Q2 24 | $1.13 | $5.62 | ||
| Q1 24 | $4.46 | $6.11 |
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 | $19.9B |
| 总债务越低越好 | $7.5B | — |
| 股东权益账面价值 | $30.6B | $17.7B |
| 总资产 | $119.8B | $48.9B |
| 负债/权益比越低杠杆越低 | 0.24× | — |
8季度趋势，按日历期对齐
现金及短期投资ALLHUM
| Q4 25 | $4.9B | $19.9B | ||
| Q3 25 | $8.7B | $22.1B | ||
| Q2 25 | $9.6B | $21.7B | ||
| Q1 25 | $6.5B | $22.1B | ||
| Q4 24 | $4.5B | $20.4B | ||
| Q3 24 | $7.0B | $24.1B | ||
| Q2 24 | $5.3B | $22.9B | ||
| Q1 24 | $4.3B | $22.6B |
总债务ALLHUM
| 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 | — | ||
| Q1 24 | $7.9B | — |
股东权益ALLHUM
| Q4 25 | $30.6B | $17.7B | ||
| Q3 25 | $27.5B | $18.5B | ||
| Q2 25 | $24.0B | $18.2B | ||
| Q1 25 | $22.1B | $17.8B | ||
| Q4 24 | $21.4B | $16.4B | ||
| Q3 24 | $20.9B | $17.6B | ||
| Q2 24 | $18.6B | $16.7B | ||
| Q1 24 | $18.6B | $16.1B |
总资产ALLHUM
| Q4 25 | $119.8B | $48.9B | ||
| Q3 25 | $120.4B | $49.7B | ||
| Q2 25 | $115.9B | $50.4B | ||
| Q1 25 | $115.2B | $50.9B | ||
| Q4 24 | $111.6B | $46.5B | ||
| Q3 24 | $113.7B | $50.0B | ||
| Q2 24 | $108.4B | $50.1B | ||
| Q1 24 | $105.2B | $50.1B |
负债/权益比ALLHUM
| 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× | — | ||
| Q1 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 | $3.0B | $-1.7B |
| 自由现金流经营现金流 - 资本支出 | $2.9B | $-1.9B |
| 自由现金流率自由现金流/营收 | 16.7% | -5.7% |
| 资本支出强度资本支出/营收 | 0.5% | 0.6% |
| 现金转化率经营现金流/净利润 | 0.78× | — |
| 过去12个月自由现金流最近4个季度 | $9.9B | $375.0M |
8季度趋势，按日历期对齐
经营现金流ALLHUM
| Q4 25 | $3.0B | $-1.7B | ||
| Q3 25 | $3.3B | $971.0M | ||
| Q2 25 | $1.9B | $1.3B | ||
| Q1 25 | $2.0B | $331.0M | ||
| Q4 24 | $1.7B | $-528.0M | ||
| Q3 24 | $3.2B | $1.9B | ||
| Q2 24 | $2.4B | $1.2B | ||
| Q1 24 | $1.7B | $423.0M |
自由现金流ALLHUM
| Q4 25 | $2.9B | $-1.9B | ||
| Q3 25 | $3.2B | $836.0M | ||
| Q2 25 | $1.9B | $1.2B | ||
| Q1 25 | $1.9B | $236.0M | ||
| Q4 24 | $1.7B | $-682.0M | ||
| Q3 24 | $3.1B | $1.7B | ||
| Q2 24 | $2.3B | $1.1B | ||
| Q1 24 | $1.6B | $246.0M |
自由现金流率ALLHUM
| Q4 25 | 16.7% | -5.7% | ||
| Q3 25 | 18.8% | 2.6% | ||
| Q2 25 | 11.3% | 3.6% | ||
| Q1 25 | 11.4% | 0.7% | ||
| Q4 24 | 10.0% | -2.3% | ||
| Q3 24 | 18.9% | 5.9% | ||
| Q2 24 | 14.7% | 3.7% | ||
| Q1 24 | 10.6% | 0.8% |
资本支出强度ALLHUM
| Q4 25 | 0.5% | 0.6% | ||
| Q3 25 | 0.3% | 0.4% | ||
| Q2 25 | 0.0% | 0.4% | ||
| Q1 25 | 0.6% | 0.3% | ||
| Q4 24 | 0.3% | 0.5% | ||
| Q3 24 | 0.4% | 0.4% | ||
| Q2 24 | 0.4% | 0.4% | ||
| Q1 24 | 0.3% | 0.6% |
现金转化率ALLHUM
| Q4 25 | 0.78× | — | ||
| Q3 25 | 0.88× | 4.98× | ||
| Q2 25 | 0.89× | 2.33× | ||
| Q1 25 | 3.30× | 0.27× | ||
| Q4 24 | 0.88× | — | ||
| Q3 24 | 2.69× | 3.87× | ||
| Q2 24 | 7.13× | 1.79× | ||
| Q1 24 | 1.37× | 0.57× |
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
暂无分部数据
HUM
| Insurance Segment | $31.3B | 96% |
| Other | $880.0M | 3% |
| Services | $292.0M | 1% |
