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好事达（ALL）与LM FUNDING AMERICA, INC.（LMFA）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LM FUNDING AMERICA, INC.的7328.6倍（$17.3B vs $2.4M），LM FUNDING AMERICA, INC.同比增速更快（19.2% vs 5.1%），好事达自由现金流更多（$2.9B vs $-16.2M），过去两年好事达的营收复合增速更高（6.6% vs -29.4%）
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。
LM Funding America, Inc.是一家总部位于美国的专业金融服务企业，主要业务为收购、管理及处置逾期不动产税收留置权，服务于美国多地地方政府机构与房地产市场参与主体，核心业务板块聚焦于财产税债权相关的另类资产投资。
ALL vs LMFA — 直观对比
营收规模更大
ALL
是对方的7328.6倍
$2.4M
LM
营收增速更快
LM
LMFA
高出14.1%
LM
19.2%5.1%
自由现金流更多
ALL
多$2.9B
$-16.2M
LM
两年增速更快
ALL
近两年复合增速
-29.4%
LM
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | LM LMFA |
|---|---|---|
| 营收 | $17.3B | $2.4M |
| 净利润 | $3.8B | — |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 22.1% | — |
| 营收同比 | 5.1% | 19.2% |
| 净利润同比 | 98.8% | — |
| 每股收益（稀释后） | $14.24 | — |
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ALL
LM
LMFA| Q4 25 | $17.3B | $2.4M | ||
| Q3 25 | $17.3B | $2.2M | ||
| Q2 25 | $16.6B | $1.9M | ||
| Q1 25 | $16.5B | $2.4M | ||
| Q4 24 | $16.5B | $2.0M | ||
| Q3 24 | $16.6B | $1.3M | ||
| Q2 24 | $15.7B | $3.0M | ||
| Q1 24 | $15.3B | $4.7M |
净利润ALL
LM
LMFA| Q4 25 | $3.8B | — | ||
| Q3 25 | $3.7B | $-3.7M | ||
| Q2 25 | $2.1B | $100.6K | ||
| Q1 25 | $595.0M | $-5.4M | ||
| Q4 24 | $1.9B | — | ||
| Q3 24 | $1.2B | $-4.3M | ||
| Q2 24 | $331.0M | $-5.6M | ||
| Q1 24 | $1.2B | $1.9M |
营业利润率ALL
LM
LMFA| Q4 25 | — | — | ||
| Q3 25 | — | -161.5% | ||
| Q2 25 | — | 22.0% | ||
| Q1 25 | — | -215.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -318.6% | ||
| Q2 24 | — | -143.2% | ||
| Q1 24 | — | 21.2% |
净利率ALL
LM
LMFA| Q4 25 | 22.1% | — | ||
| Q3 25 | 21.7% | -171.2% | ||
| Q2 25 | 12.7% | 5.2% | ||
| Q1 25 | 3.6% | -227.7% | ||
| Q4 24 | 11.7% | — | ||
| Q3 24 | 7.2% | -341.2% | ||
| Q2 24 | 2.1% | -186.2% | ||
| Q1 24 | 8.0% | 40.9% |
每股收益（稀释后）ALL
LM
LMFA| Q4 25 | $14.24 | — | ||
| Q3 25 | $13.95 | $-0.41 | ||
| Q2 25 | $7.76 | $0.02 | ||
| Q1 25 | $2.11 | $-1.05 | ||
| Q4 24 | $7.07 | — | ||
| Q3 24 | $4.33 | $-2.25 | ||
| Q2 24 | $1.13 | $-2.26 | ||
| Q1 24 | $4.46 | $0.80 |
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 | | LM LMFA |
|---|---|---|
| 现金及短期投资手头流动性 | $4.9B | $37.4K |
| 总债务越低越好 | $7.5B | — |
| 股东权益账面价值 | $30.6B | $30.6M |
| 总资产 | $119.8B | $51.3M |
| 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ALL
LM
LMFA| Q4 25 | $4.9B | $37.4K | ||
| Q3 25 | $8.7B | $23.6K | ||
| Q2 25 | $9.6B | $13.2K | ||
| Q1 25 | $6.5B | $18.3K | ||
| Q4 24 | $4.5B | $27.1K | ||
| Q3 24 | $7.0B | $18.8K | ||
| Q2 24 | $5.3B | $22.1K | ||
| Q1 24 | $4.3B | $15.7K |
总债务ALL
LM
LMFA| 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ALL
LM
LMFA| Q4 25 | $30.6B | $30.6M | ||
| Q3 25 | $27.5B | $50.1M | ||
| Q2 25 | $24.0B | $31.9M | ||
| Q1 25 | $22.1B | $31.7M | ||
| Q4 24 | $21.4B | $37.0M | ||
| Q3 24 | $20.9B | $30.2M | ||
| Q2 24 | $18.6B | $32.5M | ||
| Q1 24 | $18.6B | $38.5M |
总资产ALL
LM
LMFA| Q4 25 | $119.8B | $51.3M | ||
| Q3 25 | $120.4B | $60.2M | ||
| Q2 25 | $115.9B | $39.0M | ||
| Q1 25 | $115.2B | $39.1M | ||
| Q4 24 | $111.6B | $44.0M | ||
| Q3 24 | $113.7B | $37.9M | ||
| Q2 24 | $108.4B | $35.1M | ||
| Q1 24 | $105.2B | $40.6M |
负债/权益比ALL
LM
LMFA| 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 | | LM LMFA |
|---|---|---|
| 经营现金流最新季度 | $3.0B | $-14.0M |
| 自由现金流经营现金流 - 资本支出 | $2.9B | $-16.2M |
| 自由现金流率自由现金流/营收 | 16.7% | -684.3% |
| 资本支出强度资本支出/营收 | 0.5% | 93.2% |
| 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 | $-25.6M |
8季度趋势，按日历期对齐
经营现金流ALL
LM
LMFA| Q4 25 | $3.0B | $-14.0M | ||
| Q3 25 | $3.3B | $-3.1M | ||
| Q2 25 | $1.9B | $-2.8M | ||
| Q1 25 | $2.0B | $-2.9M | ||
| Q4 24 | $1.7B | $-11.9M | ||
| Q3 24 | $3.2B | $-2.7M | ||
| Q2 24 | $2.4B | $-3.0M | ||
| Q1 24 | $1.7B | $-3.0M |
自由现金流ALL
LM
LMFA| Q4 25 | $2.9B | $-16.2M | ||
| Q3 25 | $3.2B | $-3.3M | ||
| Q2 25 | $1.9B | $-3.0M | ||
| Q1 25 | $1.9B | $-3.1M | ||
| Q4 24 | $1.7B | $-13.7M | ||
| Q3 24 | $3.1B | $-2.7M | ||
| Q2 24 | $2.3B | $-4.2M | ||
| Q1 24 | $1.6B | — |
自由现金流率ALL
LM
LMFA| Q4 25 | 16.7% | -684.3% | ||
| Q3 25 | 18.8% | -152.1% | ||
| Q2 25 | 11.3% | -156.7% | ||
| Q1 25 | 11.4% | -129.4% | ||
| Q4 24 | 10.0% | -689.0% | ||
| Q3 24 | 18.9% | -215.3% | ||
| Q2 24 | 14.7% | -140.9% | ||
| Q1 24 | 10.6% | — |
资本支出强度ALL
LM
LMFA| Q4 25 | 0.5% | 93.2% | ||
| Q3 25 | 0.3% | 11.9% | ||
| Q2 25 | 0.0% | 10.7% | ||
| Q1 25 | 0.6% | 7.2% | ||
| Q4 24 | 0.3% | 87.3% | ||
| Q3 24 | 0.4% | 0.1% | ||
| Q2 24 | 0.4% | 40.7% | ||
| Q1 24 | 0.3% | 0.0% |
现金转化率ALL
LM
LMFA| Q4 25 | 0.78× | — | ||
| Q3 25 | 0.88× | — | ||
| Q2 25 | 0.89× | -27.99× | ||
| Q1 25 | 3.30× | — | ||
| Q4 24 | 0.88× | — | ||
| Q3 24 | 2.69× | — | ||
| Q2 24 | 7.13× | — | ||
| Q1 24 | 1.37× | -1.53× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
