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好事达（ALL）与TRUPANION, INC.（TRUP）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TRUPANION, INC.的46.0倍（$17.3B vs $376.9M）。TRUPANION, INC.同比增速更快（11.7% vs 5.1%）。好事达自由现金流更多（$2.9B vs $25.3M）。过去两年TRUPANION, INC.的营收复合增速更高（11.0% 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。
Trupanion是总部位于美国华盛顿州西雅图的宠物保险服务商，创立于1999年，业务覆盖美国、加拿大、澳大利亚与波多黎各地区。该公司为宠物提供保险保障服务，所有保单由旗下美国宠物保险公司（APIC）独家承保。
ALL vs TRUP — 直观对比
营收规模更大
ALL
是对方的46.0倍
$376.9M
营收增速更快
TRUP
高出6.6%
5.1%
自由现金流更多
ALL
多$2.9B
$25.3M
两年增速更快
TRUP
近两年复合增速
6.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $376.9M |
| 净利润 | $3.8B | — |
| 毛利率 | — | 17.3% |
| 营业利润率 | — | 1.9% |
| 净利率 | 22.1% | — |
| 营收同比 | 5.1% | 11.7% |
| 净利润同比 | 98.8% | — |
| 每股收益（稀释后） | $14.24 | $0.13 |
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ALLTRUP
| Q4 25 | $17.3B | $376.9M | ||
| Q3 25 | $17.3B | $366.9M | ||
| Q2 25 | $16.6B | $353.6M | ||
| Q1 25 | $16.5B | $342.0M | ||
| Q4 24 | $16.5B | $337.3M | ||
| Q3 24 | $16.6B | $327.5M | ||
| Q2 24 | $15.7B | $314.8M | ||
| Q1 24 | $15.3B | $306.1M |
净利润ALLTRUP
| Q4 25 | $3.8B | — | ||
| Q3 25 | $3.7B | — | ||
| Q2 25 | $2.1B | — | ||
| Q1 25 | $595.0M | — | ||
| Q4 24 | $1.9B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $331.0M | — | ||
| Q1 24 | $1.2B | — |
毛利率ALLTRUP
| Q4 25 | — | 17.3% | ||
| Q3 25 | — | 16.4% | ||
| Q2 25 | — | 15.5% | ||
| Q1 25 | — | 14.9% | ||
| Q4 24 | — | 15.7% | ||
| Q3 24 | — | 15.1% | ||
| Q2 24 | — | 12.8% | ||
| Q1 24 | — | 11.8% |
营业利润率ALLTRUP
| Q4 25 | — | 1.9% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | -0.4% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | -1.7% | ||
| Q1 24 | — | -2.0% |
净利率ALLTRUP
| Q4 25 | 22.1% | — | ||
| Q3 25 | 21.7% | — | ||
| Q2 25 | 12.7% | — | ||
| Q1 25 | 3.6% | — | ||
| Q4 24 | 11.7% | — | ||
| Q3 24 | 7.2% | — | ||
| Q2 24 | 2.1% | — | ||
| Q1 24 | 8.0% | — |
每股收益（稀释后）ALLTRUP
| Q4 25 | $14.24 | $0.13 | ||
| Q3 25 | $13.95 | $0.13 | ||
| Q2 25 | $7.76 | $0.22 | ||
| Q1 25 | $2.11 | $-0.03 | ||
| Q4 24 | $7.07 | $0.04 | ||
| Q3 24 | $4.33 | $0.03 | ||
| Q2 24 | $1.13 | $-0.14 | ||
| Q1 24 | $4.46 | $-0.16 |
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 | $370.7M |
| 总债务越低越好 | $7.5B | $101.8M |
| 股东权益账面价值 | $30.6B | $383.9M |
| 总资产 | $119.8B | $915.0M |
| 负债/权益比越低杠杆越低 | 0.24× | 0.27× |
8季度趋势，按日历期对齐
现金及短期投资ALLTRUP
| Q4 25 | $4.9B | $370.7M | ||
| Q3 25 | $8.7B | $348.5M | ||
| Q2 25 | $9.6B | $319.6M | ||
| Q1 25 | $6.5B | $321.8M | ||
| Q4 24 | $4.5B | $307.4M | ||
| Q3 24 | $7.0B | $293.1M | ||
| Q2 24 | $5.3B | $277.2M | ||
| Q1 24 | $4.3B | $275.2M |
总债务ALLTRUP
| Q4 25 | $7.5B | $101.8M | ||
| Q3 25 | $8.1B | — | ||
| Q2 25 | $8.1B | — | ||
| Q1 25 | $8.1B | — | ||
| Q4 24 | $8.1B | $127.5M | ||
| Q3 24 | $8.1B | — | ||
| Q2 24 | $8.1B | — | ||
| Q1 24 | $7.9B | — |
股东权益ALLTRUP
| Q4 25 | $30.6B | $383.9M | ||
| Q3 25 | $27.5B | $368.6M | ||
| Q2 25 | $24.0B | $355.5M | ||
| Q1 25 | $22.1B | $333.7M | ||
| Q4 24 | $21.4B | $323.3M | ||
| Q3 24 | $20.9B | $320.2M | ||
| Q2 24 | $18.6B | $305.8M | ||
| Q1 24 | $18.6B | $303.4M |
总资产ALLTRUP
| Q4 25 | $119.8B | $915.0M | ||
| Q3 25 | $120.4B | $880.2M | ||
| Q2 25 | $115.9B | $847.8M | ||
| Q1 25 | $115.2B | $837.2M | ||
| Q4 24 | $111.6B | $806.9M | ||
| Q3 24 | $113.7B | $816.1M | ||
| Q2 24 | $108.4B | $795.9M | ||
| Q1 24 | $105.2B | $789.5M |
负债/权益比ALLTRUP
| Q4 25 | 0.24× | 0.27× | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | 0.37× | — | ||
| Q4 24 | 0.38× | 0.39× | ||
| 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 | $29.3M |
| 自由现金流经营现金流 - 资本支出 | $2.9B | $25.3M |
| 自由现金流率自由现金流/营收 | 16.7% | 6.7% |
| 资本支出强度资本支出/营收 | 0.5% | 1.0% |
| 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 | $75.4M |
8季度趋势，按日历期对齐
经营现金流ALLTRUP
| Q4 25 | $3.0B | $29.3M | ||
| Q3 25 | $3.3B | $29.2M | ||
| Q2 25 | $1.9B | $15.0M | ||
| Q1 25 | $2.0B | $16.0M | ||
| Q4 24 | $1.7B | $23.7M | ||
| Q3 24 | $3.2B | $15.3M | ||
| Q2 24 | $2.4B | $6.9M | ||
| Q1 24 | $1.7B | $2.4M |
自由现金流ALLTRUP
| Q4 25 | $2.9B | $25.3M | ||
| Q3 25 | $3.2B | $23.9M | ||
| Q2 25 | $1.9B | $12.0M | ||
| Q1 25 | $1.9B | $14.0M | ||
| Q4 24 | $1.7B | $21.8M | ||
| Q3 24 | $3.1B | $13.4M | ||
| Q2 24 | $2.3B | $4.0M | ||
| Q1 24 | $1.6B | $-631.0K |
自由现金流率ALLTRUP
| Q4 25 | 16.7% | 6.7% | ||
| Q3 25 | 18.8% | 6.5% | ||
| Q2 25 | 11.3% | 3.4% | ||
| Q1 25 | 11.4% | 4.1% | ||
| Q4 24 | 10.0% | 6.5% | ||
| Q3 24 | 18.9% | 4.1% | ||
| Q2 24 | 14.7% | 1.3% | ||
| Q1 24 | 10.6% | -0.2% |
资本支出强度ALLTRUP
| Q4 25 | 0.5% | 1.0% | ||
| Q3 25 | 0.3% | 1.4% | ||
| Q2 25 | 0.0% | 0.8% | ||
| Q1 25 | 0.6% | 0.6% | ||
| Q4 24 | 0.3% | 0.6% | ||
| Q3 24 | 0.4% | 0.6% | ||
| Q2 24 | 0.4% | 0.9% | ||
| Q1 24 | 0.3% | 1.0% |
现金转化率ALLTRUP
| 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× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
