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好事达（ALL）与RADIAN GROUP INC（RDN）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RADIAN GROUP INC的67.3倍（$17.3B vs $257.8M）。RADIAN GROUP INC净利率更高（60.1% vs 22.1%，领先38.0%）。好事达同比增速更快（5.1% vs -18.4%）。好事达自由现金流更多（$2.9B vs $406.1M）。过去两年好事达的营收复合增速更高（6.6% vs -10.2%）
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。
瑞迪安集团（Radian Group Inc.）是一家专业的 mortgage 保险公司，业务涵盖抵押贷款保险、风险管控、房地产服务及产权服务等多个板块，为住房金融市场提供完善的配套服务支持，助力行业降低信贷相关风险。
ALL vs RDN — 直观对比
营收规模更大
ALL
是对方的67.3倍
$257.8M
营收增速更快
ALL
高出23.5%
-18.4%
净利率更高
RDN
高出38.0%
22.1%
自由现金流更多
ALL
多$2.5B
$406.1M
两年增速更快
ALL
近两年复合增速
-10.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $257.8M |
| 净利润 | $3.8B | $154.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 88.9% |
| 净利率 | 22.1% | 60.1% |
| 营收同比 | 5.1% | -18.4% |
| 净利润同比 | 98.8% | 4.4% |
| 每股收益（稀释后） | $14.24 | $1.11 |
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ALLRDN
| Q4 25 | $17.3B | $257.8M | ||
| Q3 25 | $17.3B | $303.2M | ||
| Q2 25 | $16.6B | $318.0M | ||
| Q1 25 | $16.5B | $318.1M | ||
| Q4 24 | $16.5B | $315.9M | ||
| Q3 24 | $16.6B | $333.9M | ||
| Q2 24 | $15.7B | $321.1M | ||
| Q1 24 | $15.3B | $319.4M |
净利润ALLRDN
| Q4 25 | $3.8B | $154.8M | ||
| Q3 25 | $3.7B | $141.4M | ||
| Q2 25 | $2.1B | $141.8M | ||
| Q1 25 | $595.0M | $144.6M | ||
| Q4 24 | $1.9B | $148.3M | ||
| Q3 24 | $1.2B | $151.9M | ||
| Q2 24 | $331.0M | $151.9M | ||
| Q1 24 | $1.2B | $152.4M |
毛利率ALLRDN
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 97.4% | ||
| Q1 25 | — | 97.2% | ||
| Q4 24 | — | 96.9% | ||
| Q3 24 | — | 97.1% | ||
| Q2 24 | — | 97.0% | ||
| Q1 24 | — | 97.1% |
营业利润率ALLRDN
| Q4 25 | — | 88.9% | ||
| Q3 25 | — | 65.5% | ||
| Q2 25 | — | 55.0% | ||
| Q1 25 | — | 59.2% | ||
| Q4 24 | — | 59.9% | ||
| Q3 24 | — | 58.5% | ||
| Q2 24 | — | 58.6% | ||
| Q1 24 | — | 62.2% |
净利率ALLRDN
| Q4 25 | 22.1% | 60.1% | ||
| Q3 25 | 21.7% | 46.7% | ||
| Q2 25 | 12.7% | 44.6% | ||
| Q1 25 | 3.6% | 45.4% | ||
| Q4 24 | 11.7% | 46.9% | ||
| Q3 24 | 7.2% | 45.5% | ||
| Q2 24 | 2.1% | 47.3% | ||
| Q1 24 | 8.0% | 47.7% |
每股收益（稀释后）ALLRDN
| Q4 25 | $14.24 | $1.11 | ||
| Q3 25 | $13.95 | $1.03 | ||
| Q2 25 | $7.76 | $1.02 | ||
| Q1 25 | $2.11 | $0.98 | ||
| Q4 24 | $7.07 | $0.97 | ||
| Q3 24 | $4.33 | $0.99 | ||
| Q2 24 | $1.13 | $0.98 | ||
| Q1 24 | $4.46 | $0.98 |
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 | $24.8M |
| 总债务越低越好 | $7.5B | — |
| 股东权益账面价值 | $30.6B | $4.8B |
| 总资产 | $119.8B | $8.1B |
| 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ALLRDN
| Q4 25 | $4.9B | $24.8M | ||
| Q3 25 | $8.7B | $15.3M | ||
| Q2 25 | $9.6B | $22.1M | ||
| Q1 25 | $6.5B | $24.2M | ||
| Q4 24 | $4.5B | $38.8M | ||
| Q3 24 | $7.0B | $28.1M | ||
| Q2 24 | $5.3B | $13.8M | ||
| Q1 24 | $4.3B | $27.0M |
总债务ALLRDN
| 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ALLRDN
| Q4 25 | $30.6B | $4.8B | ||
| Q3 25 | $27.5B | $4.7B | ||
| Q2 25 | $24.0B | $4.5B | ||
| Q1 25 | $22.1B | $4.6B | ||
| Q4 24 | $21.4B | $4.6B | ||
| Q3 24 | $20.9B | $4.7B | ||
| Q2 24 | $18.6B | $4.5B | ||
| Q1 24 | $18.6B | $4.4B |
总资产ALLRDN
| Q4 25 | $119.8B | $8.1B | ||
| Q3 25 | $120.4B | $8.2B | ||
| Q2 25 | $115.9B | $9.6B | ||
| Q1 25 | $115.2B | $8.8B | ||
| Q4 24 | $111.6B | $8.7B | ||
| Q3 24 | $113.7B | $8.4B | ||
| Q2 24 | $108.4B | $8.1B | ||
| Q1 24 | $105.2B | $7.8B |
负债/权益比ALLRDN
| 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 | $407.0M |
| 自由现金流经营现金流 - 资本支出 | $2.9B | $406.1M |
| 自由现金流率自由现金流/营收 | 16.7% | 157.5% |
| 资本支出强度资本支出/营收 | 0.5% | 0.3% |
| 现金转化率经营现金流/净利润 | 0.78× | 2.63× |
| 过去12个月自由现金流最近4个季度 | $9.9B | $115.7M |
8季度趋势，按日历期对齐
经营现金流ALLRDN
| Q4 25 | $3.0B | $407.0M | ||
| Q3 25 | $3.3B | $358.4M | ||
| Q2 25 | $1.9B | $-713.3M | ||
| Q1 25 | $2.0B | $67.8M | ||
| Q4 24 | $1.7B | $-269.4M | ||
| Q3 24 | $3.2B | $-237.9M | ||
| Q2 24 | $2.4B | $-207.3M | ||
| Q1 24 | $1.7B | $51.0M |
自由现金流ALLRDN
| Q4 25 | $2.9B | $406.1M | ||
| Q3 25 | $3.2B | $357.6M | ||
| Q2 25 | $1.9B | $-714.6M | ||
| Q1 25 | $1.9B | $66.6M | ||
| Q4 24 | $1.7B | $-269.8M | ||
| Q3 24 | $3.1B | $-238.1M | ||
| Q2 24 | $2.3B | $-208.3M | ||
| Q1 24 | $1.6B | $49.5M |
自由现金流率ALLRDN
| Q4 25 | 16.7% | 157.5% | ||
| Q3 25 | 18.8% | 117.9% | ||
| Q2 25 | 11.3% | -224.7% | ||
| Q1 25 | 11.4% | 20.9% | ||
| Q4 24 | 10.0% | -85.4% | ||
| Q3 24 | 18.9% | -71.3% | ||
| Q2 24 | 14.7% | -64.9% | ||
| Q1 24 | 10.6% | 15.5% |
资本支出强度ALLRDN
| Q4 25 | 0.5% | 0.3% | ||
| Q3 25 | 0.3% | 0.3% | ||
| Q2 25 | 0.0% | 0.4% | ||
| Q1 25 | 0.6% | 0.4% | ||
| Q4 24 | 0.3% | 0.1% | ||
| Q3 24 | 0.4% | 0.1% | ||
| Q2 24 | 0.4% | 0.3% | ||
| Q1 24 | 0.3% | 0.5% |
现金转化率ALLRDN
| Q4 25 | 0.78× | 2.63× | ||
| Q3 25 | 0.88× | 2.53× | ||
| Q2 25 | 0.89× | -5.03× | ||
| Q1 25 | 3.30× | 0.47× | ||
| Q4 24 | 0.88× | -1.82× | ||
| Q3 24 | 2.69× | -1.57× | ||
| Q2 24 | 7.13× | -1.36× | ||
| 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
