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好事达（ALL）与MGIC INVESTMENT CORP（MTG）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MGIC INVESTMENT CORP的58.1倍（$17.3B vs $298.7M）。MGIC INVESTMENT CORP净利率更高（56.7% vs 22.1%，领先34.6%）。好事达同比增速更快（5.1% vs -0.9%）。好事达自由现金流更多（$2.9B vs $230.2M）。过去两年好事达的营收复合增速更高（6.6% vs 0.7%）
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。
MGIC投资集团（纽交所代码：MTG）是美国专业的私人抵押贷款保险服务商，总部位于威斯康星州密尔沃基市，主要为美国本土住房抵押贷款业务提供保险解决方案，帮助贷款机构管控信用风险，助力普通消费者顺利获得购房贷款支持。
ALL vs MTG — 直观对比
营收规模更大
ALL
是对方的58.1倍
$298.7M
营收增速更快
ALL
高出6.0%
-0.9%
净利率更高
MTG
高出34.6%
22.1%
自由现金流更多
ALL
多$2.7B
$230.2M
两年增速更快
ALL
近两年复合增速
0.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $298.7M |
| 净利润 | $3.8B | $169.3M |
| 毛利率 | — | — |
| 营业利润率 | — | 71.2% |
| 净利率 | 22.1% | 56.7% |
| 营收同比 | 5.1% | -0.9% |
| 净利润同比 | 98.8% | -8.3% |
| 每股收益（稀释后） | $14.24 | $0.75 |
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ALLMTG
| Q4 25 | $17.3B | $298.7M | ||
| Q3 25 | $17.3B | $304.5M | ||
| Q2 25 | $16.6B | $304.2M | ||
| Q1 25 | $16.5B | $306.2M | ||
| Q4 24 | $16.5B | $301.4M | ||
| Q3 24 | $16.6B | $306.6M | ||
| Q2 24 | $15.7B | $305.3M | ||
| Q1 24 | $15.3B | $294.4M |
净利润ALLMTG
| Q4 25 | $3.8B | $169.3M | ||
| Q3 25 | $3.7B | $191.1M | ||
| Q2 25 | $2.1B | $192.5M | ||
| Q1 25 | $595.0M | $185.5M | ||
| Q4 24 | $1.9B | $184.7M | ||
| Q3 24 | $1.2B | $200.0M | ||
| Q2 24 | $331.0M | $204.2M | ||
| Q1 24 | $1.2B | $174.1M |
营业利润率ALLMTG
| Q4 25 | — | 71.2% | ||
| Q3 25 | — | 77.2% | ||
| Q2 25 | — | 80.9% | ||
| Q1 25 | — | 76.6% | ||
| Q4 24 | — | 77.9% | ||
| Q3 24 | — | 82.9% | ||
| Q2 24 | — | 85.1% | ||
| Q1 24 | — | 74.7% |
净利率ALLMTG
| Q4 25 | 22.1% | 56.7% | ||
| Q3 25 | 21.7% | 62.8% | ||
| Q2 25 | 12.7% | 63.3% | ||
| Q1 25 | 3.6% | 60.6% | ||
| Q4 24 | 11.7% | 61.3% | ||
| Q3 24 | 7.2% | 65.2% | ||
| Q2 24 | 2.1% | 66.9% | ||
| Q1 24 | 8.0% | 59.1% |
每股收益（稀释后）ALLMTG
| Q4 25 | $14.24 | $0.75 | ||
| Q3 25 | $13.95 | $0.83 | ||
| Q2 25 | $7.76 | $0.81 | ||
| Q1 25 | $2.11 | $0.75 | ||
| Q4 24 | $7.07 | $0.71 | ||
| Q3 24 | $4.33 | $0.77 | ||
| Q2 24 | $1.13 | $0.77 | ||
| Q1 24 | $4.46 | $0.64 |
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 | $369.0M |
| 总债务越低越好 | $7.5B | — |
| 股东权益账面价值 | $30.6B | $5.1B |
| 总资产 | $119.8B | $6.6B |
| 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ALLMTG
| Q4 25 | $4.9B | $369.0M | ||
| Q3 25 | $8.7B | $266.9M | ||
| Q2 25 | $9.6B | $294.9M | ||
| Q1 25 | $6.5B | $207.0M | ||
| Q4 24 | $4.5B | $229.5M | ||
| Q3 24 | $7.0B | $288.6M | ||
| Q2 24 | $5.3B | $281.8M | ||
| Q1 24 | $4.3B | $431.3M |
总债务ALLMTG
| 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ALLMTG
| Q4 25 | $30.6B | $5.1B | ||
| Q3 25 | $27.5B | $5.2B | ||
| Q2 25 | $24.0B | $5.2B | ||
| Q1 25 | $22.1B | $5.1B | ||
| Q4 24 | $21.4B | $5.2B | ||
| Q3 24 | $20.9B | $5.3B | ||
| Q2 24 | $18.6B | $5.1B | ||
| Q1 24 | $18.6B | $5.1B |
总资产ALLMTG
| Q4 25 | $119.8B | $6.6B | ||
| Q3 25 | $120.4B | $6.6B | ||
| Q2 25 | $115.9B | $6.5B | ||
| Q1 25 | $115.2B | $6.5B | ||
| Q4 24 | $111.6B | $6.5B | ||
| Q3 24 | $113.7B | $6.7B | ||
| Q2 24 | $108.4B | $6.5B | ||
| Q1 24 | $105.2B | $6.5B |
负债/权益比ALLMTG
| 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 | $230.8M |
| 自由现金流经营现金流 - 资本支出 | $2.9B | $230.2M |
| 自由现金流率自由现金流/营收 | 16.7% | 77.1% |
| 资本支出强度资本支出/营收 | 0.5% | 0.2% |
| 现金转化率经营现金流/净利润 | 0.78× | 1.36× |
| 过去12个月自由现金流最近4个季度 | $9.9B | $851.8M |
8季度趋势，按日历期对齐
经营现金流ALLMTG
| Q4 25 | $3.0B | $230.8M | ||
| Q3 25 | $3.3B | $215.4M | ||
| Q2 25 | $1.9B | $183.0M | ||
| Q1 25 | $2.0B | $223.7M | ||
| Q4 24 | $1.7B | $182.4M | ||
| Q3 24 | $3.2B | $182.9M | ||
| Q2 24 | $2.4B | $169.2M | ||
| Q1 24 | $1.7B | $190.5M |
自由现金流ALLMTG
| Q4 25 | $2.9B | $230.2M | ||
| Q3 25 | $3.2B | $215.1M | ||
| Q2 25 | $1.9B | $183.0M | ||
| Q1 25 | $1.9B | $223.5M | ||
| Q4 24 | $1.7B | $181.9M | ||
| Q3 24 | $3.1B | $182.5M | ||
| Q2 24 | $2.3B | $169.0M | ||
| Q1 24 | $1.6B | — |
自由现金流率ALLMTG
| Q4 25 | 16.7% | 77.1% | ||
| Q3 25 | 18.8% | 70.6% | ||
| Q2 25 | 11.3% | 60.1% | ||
| Q1 25 | 11.4% | 73.0% | ||
| Q4 24 | 10.0% | 60.3% | ||
| Q3 24 | 18.9% | 59.5% | ||
| Q2 24 | 14.7% | 55.3% | ||
| Q1 24 | 10.6% | — |
资本支出强度ALLMTG
| Q4 25 | 0.5% | 0.2% | ||
| Q3 25 | 0.3% | 0.1% | ||
| Q2 25 | 0.0% | 0.0% | ||
| Q1 25 | 0.6% | 0.0% | ||
| Q4 24 | 0.3% | 0.2% | ||
| Q3 24 | 0.4% | 0.1% | ||
| Q2 24 | 0.4% | 0.1% | ||
| Q1 24 | 0.3% | 0.0% |
现金转化率ALLMTG
| Q4 25 | 0.78× | 1.36× | ||
| Q3 25 | 0.88× | 1.13× | ||
| Q2 25 | 0.89× | 0.95× | ||
| Q1 25 | 3.30× | 1.21× | ||
| Q4 24 | 0.88× | 0.99× | ||
| Q3 24 | 2.69× | 0.91× | ||
| Q2 24 | 7.13× | 0.83× | ||
| Q1 24 | 1.37× | 1.09× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
