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好事达（ALL）与NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP（NRUC）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NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP的240.9倍（$17.3B vs $72.0M）。NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP净利率更高（27.2% vs 22.1%，领先5.1%）。NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP同比增速更快（10.0% vs 5.1%）。好事达自由现金流更多（$2.9B vs $38.3M）。过去两年好事达的营收复合增速更高（6.6% vs 5.4%）
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。
美国国家农村公用事业合作金融公司（CFC）是一家由成员所有的非盈利合作社，为美国农村电力合作网络提供金融产品。该公司成立于1969年，创立初衷是从资本市场筹集资金，补充美国农业部农村公用事业局面向电力合作社的贷款项目。
ALL vs NRUC — 直观对比
营收规模更大
ALL
是对方的240.9倍
$72.0M
营收增速更快
NRUC
高出5.0%
5.1%
净利率更高
NRUC
高出5.1%
22.1%
自由现金流更多
ALL
多$2.9B
$38.3M
两年增速更快
ALL
近两年复合增速
5.4%
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $72.0M |
| 净利润 | $3.8B | $19.6M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 22.1% | 27.2% |
| 营收同比 | 5.1% | 10.0% |
| 净利润同比 | 98.8% | -86.4% |
| 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ALLNRUC
| Q4 25 | $17.3B | $72.0M | ||
| Q3 25 | $17.3B | $71.0M | ||
| Q2 25 | $16.6B | $66.9M | ||
| Q1 25 | $16.5B | $66.9M | ||
| Q4 24 | $16.5B | $65.4M | ||
| Q3 24 | $16.6B | $61.7M | ||
| Q2 24 | $15.7B | — | ||
| Q1 24 | $15.3B | $64.8M |
净利润ALLNRUC
| Q4 25 | $3.8B | $19.6M | ||
| Q3 25 | $3.7B | $4.8M | ||
| Q2 25 | $2.1B | $73.1M | ||
| Q1 25 | $595.0M | $86.0M | ||
| Q4 24 | $1.9B | $144.4M | ||
| Q3 24 | $1.2B | $-163.8M | ||
| Q2 24 | $331.0M | — | ||
| Q1 24 | $1.2B | $31.5M |
净利率ALLNRUC
| Q4 25 | 22.1% | 27.2% | ||
| Q3 25 | 21.7% | 6.7% | ||
| Q2 25 | 12.7% | 109.3% | ||
| Q1 25 | 3.6% | 128.4% | ||
| Q4 24 | 11.7% | 220.7% | ||
| Q3 24 | 7.2% | -265.7% | ||
| Q2 24 | 2.1% | — | ||
| Q1 24 | 8.0% | 48.6% |
每股收益（稀释后）ALLNRUC
| Q4 25 | $14.24 | — | ||
| Q3 25 | $13.95 | — | ||
| Q2 25 | $7.76 | — | ||
| Q1 25 | $2.11 | — | ||
| Q4 24 | $7.07 | — | ||
| Q3 24 | $4.33 | — | ||
| Q2 24 | $1.13 | — | ||
| Q1 24 | $4.46 | — |
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 | $304.5M |
| 总债务越低越好 | $7.5B | $27.3B |
| 股东权益账面价值 | $30.6B | $3.1B |
| 总资产 | $119.8B | $39.1B |
| 负债/权益比越低杠杆越低 | 0.24× | 8.95× |
8季度趋势，按日历期对齐
现金及短期投资ALLNRUC
| Q4 25 | $4.9B | $304.5M | ||
| Q3 25 | $8.7B | $257.1M | ||
| Q2 25 | $9.6B | $134.7M | ||
| Q1 25 | $6.5B | $245.4M | ||
| Q4 24 | $4.5B | $347.1M | ||
| Q3 24 | $7.0B | $264.7M | ||
| Q2 24 | $5.3B | — | ||
| Q1 24 | $4.3B | $144.8M |
总债务ALLNRUC
| Q4 25 | $7.5B | $27.3B | ||
| Q3 25 | $8.1B | $27.9B | ||
| Q2 25 | $8.1B | $27.2B | ||
| Q1 25 | $8.1B | $27.5B | ||
| Q4 24 | $8.1B | $26.7B | ||
| Q3 24 | $8.1B | $26.3B | ||
| Q2 24 | $8.1B | — | ||
| Q1 24 | $7.9B | $25.5B |
股东权益ALLNRUC
| Q4 25 | $30.6B | $3.1B | ||
| Q3 25 | $27.5B | $3.0B | ||
| Q2 25 | $24.0B | $3.1B | ||
| Q1 25 | $22.1B | $3.0B | ||
| Q4 24 | $21.4B | $2.9B | ||
| Q3 24 | $20.9B | $2.8B | ||
| Q2 24 | $18.6B | — | ||
| Q1 24 | $18.6B | $2.8B |
总资产ALLNRUC
| Q4 25 | $119.8B | $39.1B | ||
| Q3 25 | $120.4B | $38.8B | ||
| Q2 25 | $115.9B | $38.3B | ||
| Q1 25 | $115.2B | $37.8B | ||
| Q4 24 | $111.6B | $37.1B | ||
| Q3 24 | $113.7B | $36.5B | ||
| Q2 24 | $108.4B | — | ||
| Q1 24 | $105.2B | $35.9B |
负债/权益比ALLNRUC
| Q4 25 | 0.24× | 8.95× | ||
| Q3 25 | 0.29× | 9.21× | ||
| Q2 25 | 0.34× | 8.81× | ||
| Q1 25 | 0.37× | 9.15× | ||
| Q4 24 | 0.38× | 9.14× | ||
| Q3 24 | 0.39× | 9.44× | ||
| Q2 24 | 0.43× | — | ||
| Q1 24 | 0.43× | 8.94× |
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 | $38.9M |
| 自由现金流经营现金流 - 资本支出 | $2.9B | $38.3M |
| 自由现金流率自由现金流/营收 | 16.7% | 53.2% |
| 资本支出强度资本支出/营收 | 0.5% | 0.9% |
| 现金转化率经营现金流/净利润 | 0.78× | 1.99× |
| 过去12个月自由现金流最近4个季度 | $9.9B | $225.0M |
8季度趋势，按日历期对齐
经营现金流ALLNRUC
| Q4 25 | $3.0B | $38.9M | ||
| Q3 25 | $3.3B | $82.3M | ||
| Q2 25 | $1.9B | $-43.3M | ||
| Q1 25 | $2.0B | $150.3M | ||
| Q4 24 | $1.7B | $63.8M | ||
| Q3 24 | $3.2B | $36.7M | ||
| Q2 24 | $2.4B | — | ||
| Q1 24 | $1.7B | — |
自由现金流ALLNRUC
| Q4 25 | $2.9B | $38.3M | ||
| Q3 25 | $3.2B | $82.0M | ||
| Q2 25 | $1.9B | $-44.3M | ||
| Q1 25 | $1.9B | $149.0M | ||
| Q4 24 | $1.7B | $62.7M | ||
| Q3 24 | $3.1B | $35.4M | ||
| Q2 24 | $2.3B | — | ||
| Q1 24 | $1.6B | — |
自由现金流率ALLNRUC
| Q4 25 | 16.7% | 53.2% | ||
| Q3 25 | 18.8% | 115.5% | ||
| Q2 25 | 11.3% | -66.2% | ||
| Q1 25 | 11.4% | 222.5% | ||
| Q4 24 | 10.0% | 95.9% | ||
| Q3 24 | 18.9% | 57.5% | ||
| Q2 24 | 14.7% | — | ||
| Q1 24 | 10.6% | — |
资本支出强度ALLNRUC
| Q4 25 | 0.5% | 0.9% | ||
| Q3 25 | 0.3% | 0.5% | ||
| Q2 25 | 0.0% | 1.6% | ||
| Q1 25 | 0.6% | 1.9% | ||
| Q4 24 | 0.3% | 1.7% | ||
| Q3 24 | 0.4% | 2.1% | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.3% | — |
现金转化率ALLNRUC
| Q4 25 | 0.78× | 1.99× | ||
| Q3 25 | 0.88× | 17.27× | ||
| Q2 25 | 0.89× | -0.59× | ||
| Q1 25 | 3.30× | 1.75× | ||
| Q4 24 | 0.88× | 0.44× | ||
| Q3 24 | 2.69× | — | ||
| Q2 24 | 7.13× | — | ||
| Q1 24 | 1.37× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
