vs
好事达（ALL）与OCTAVE SPECIALTY GROUP INC（OSG）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OCTAVE SPECIALTY GROUP INC的431.2倍（$17.3B vs $40.2M）。好事达净利率更高（22.1% vs -73.8%，领先95.9%）。OCTAVE SPECIALTY GROUP INC同比增速更快（5.8% vs 5.1%）。过去两年OCTAVE SPECIALTY GROUP INC的营收复合增速更高（50.6% 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。
奥克塔夫专业集团是一家专业保险控股企业，主营定制化财产与意外伤害保险产品，核心业务聚焦超额剩余保险领域，为北美地区的商业及个人客户提供定制化风险保障解决方案。
ALL vs OSG — 直观对比
营收规模更大
ALL
是对方的431.2倍
$40.2M
营收增速更快
OSG
高出0.8%
5.1%
净利率更高
ALL
高出95.9%
-73.8%
两年增速更快
OSG
近两年复合增速
6.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $40.2M |
| 净利润 | $3.8B | $-29.7M |
| 毛利率 | — | — |
| 营业利润率 | — | -76.7% |
| 净利率 | 22.1% | -73.8% |
| 营收同比 | 5.1% | 5.8% |
| 净利润同比 | 98.8% | -41.7% |
| 每股收益（稀释后） | $14.24 | $-0.82 |
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ALLOSG
| Q4 25 | $17.3B | $40.2M | ||
| Q3 25 | $17.3B | $36.1M | ||
| Q2 25 | $16.6B | $30.3M | ||
| Q1 25 | $16.5B | $36.8M | ||
| Q4 24 | $16.5B | $38.0M | ||
| Q3 24 | $16.6B | $23.1M | ||
| Q2 24 | $15.7B | $13.2M | ||
| Q1 24 | $15.3B | $17.7M |
净利润ALLOSG
| Q4 25 | $3.8B | $-29.7M | ||
| Q3 25 | $3.7B | $-112.6M | ||
| Q2 25 | $2.1B | $-72.7M | ||
| Q1 25 | $595.0M | $-44.7M | ||
| Q4 24 | $1.9B | $-20.9M | ||
| Q3 24 | $1.2B | $-27.5M | ||
| Q2 24 | $331.0M | $-750.0K | ||
| Q1 24 | $1.2B | $20.8M |
营业利润率ALLOSG
| Q4 25 | — | -76.7% | ||
| Q3 25 | — | -89.0% | ||
| Q2 25 | — | -75.8% | ||
| Q1 25 | — | -41.1% | ||
| Q4 24 | — | -55.5% | ||
| Q3 24 | — | -90.0% | ||
| Q2 24 | — | -111.6% | ||
| Q1 24 | — | -18.3% |
净利率ALLOSG
| Q4 25 | 22.1% | -73.8% | ||
| Q3 25 | 21.7% | -312.3% | ||
| Q2 25 | 12.7% | -239.8% | ||
| Q1 25 | 3.6% | -121.7% | ||
| Q4 24 | 11.7% | -55.1% | ||
| Q3 24 | 7.2% | -119.2% | ||
| Q2 24 | 2.1% | -5.7% | ||
| Q1 24 | 8.0% | 117.2% |
每股收益（稀释后）ALLOSG
| Q4 25 | $14.24 | $-0.82 | ||
| Q3 25 | $13.95 | $-2.35 | ||
| Q2 25 | $7.76 | $-1.54 | ||
| Q1 25 | $2.11 | $-1.22 | ||
| Q4 24 | $7.07 | $-11.75 | ||
| Q3 24 | $4.33 | $-0.63 | ||
| Q2 24 | $1.13 | $-0.02 | ||
| Q1 24 | $4.46 | $0.44 |
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 | $146.4M |
| 总债务越低越好 | $7.5B | $117.6M |
| 股东权益账面价值 | $30.6B | $715.8M |
| 总资产 | $119.8B | $2.2B |
| 负债/权益比越低杠杆越低 | 0.24× | 0.16× |
8季度趋势，按日历期对齐
现金及短期投资ALLOSG
| Q4 25 | $4.9B | $146.4M | ||
| Q3 25 | $8.7B | $27.5M | ||
| Q2 25 | $9.6B | $22.5M | ||
| Q1 25 | $6.5B | $34.1M | ||
| Q4 24 | $4.5B | $157.2M | ||
| Q3 24 | $7.0B | $40.8M | ||
| Q2 24 | $5.3B | $14.6M | ||
| Q1 24 | $4.3B | $13.8M |
总债务ALLOSG
| Q4 25 | $7.5B | $117.6M | ||
| Q3 25 | $8.1B | — | ||
| Q2 25 | $8.1B | — | ||
| Q1 25 | $8.1B | — | ||
| Q4 24 | $8.1B | $0 | ||
| Q3 24 | $8.1B | $518.0M | ||
| Q2 24 | $8.1B | $515.0M | ||
| Q1 24 | $7.9B | $512.0M |
股东权益ALLOSG
| Q4 25 | $30.6B | $715.8M | ||
| Q3 25 | $27.5B | $843.4M | ||
| Q2 25 | $24.0B | $859.8M | ||
| Q1 25 | $22.1B | $852.2M | ||
| Q4 24 | $21.4B | $798.4M | ||
| Q3 24 | $20.9B | $1.5B | ||
| Q2 24 | $18.6B | $1.4B | ||
| Q1 24 | $18.6B | $1.4B |
总资产ALLOSG
| Q4 25 | $119.8B | $2.2B | ||
| Q3 25 | $120.4B | $2.1B | ||
| Q2 25 | $115.9B | $8.5B | ||
| Q1 25 | $115.2B | $8.3B | ||
| Q4 24 | $111.6B | $8.1B | ||
| Q3 24 | $113.7B | $9.3B | ||
| Q2 24 | $108.4B | $8.2B | ||
| Q1 24 | $105.2B | $8.4B |
负债/权益比ALLOSG
| Q4 25 | 0.24× | 0.16× | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | 0.37× | — | ||
| Q4 24 | 0.38× | 0.00× | ||
| Q3 24 | 0.39× | 0.35× | ||
| Q2 24 | 0.43× | 0.38× | ||
| Q1 24 | 0.43× | 0.38× |
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 | — |
| 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× | — |
| 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ALLOSG
| Q4 25 | $3.0B | — | ||
| Q3 25 | $3.3B | $-41.2M | ||
| Q2 25 | $1.9B | $2.1M | ||
| Q1 25 | $2.0B | $-12.6M | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $3.2B | $48.9M | ||
| Q2 24 | $2.4B | $20.4M | ||
| Q1 24 | $1.7B | $7.1M |
自由现金流ALLOSG
| 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ALLOSG
| 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ALLOSG
| 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ALLOSG
| Q4 25 | 0.78× | — | ||
| Q3 25 | 0.88× | — | ||
| Q2 25 | 0.89× | — | ||
| Q1 25 | 3.30× | — | ||
| Q4 24 | 0.88× | — | ||
| Q3 24 | 2.69× | — | ||
| Q2 24 | 7.13× | — | ||
| Q1 24 | 1.37× | 0.34× |
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
OSG
| Specialty Property Casualty Program | $23.1M | 57% |
| Accident Health | $9.6M | 24% |
| Specialty Automobile | $3.1M | 8% |
| Niche Specialty Risks | $2.4M | 6% |
| Other | $2.0M | 5% |
