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好事达（ALL）与Unum Group（UNM）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Unum Group的5.3倍（$17.3B vs $3.2B）。好事达净利率更高（22.1% vs 5.4%，领先16.7%）。好事达同比增速更快（5.1% vs 0.2%）。好事达自由现金流更多（$2.9B vs $320.1M）。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。
Unum Group是美国财富500强保险企业，总部位于田纳西州查塔努加，前身为1848年成立的联合相互保险公司，1999年合并后曾用名UnumProvident至2007年。集团现设四大业务板块，覆盖美、英、波兰市场，旗下承保主体包括保罗里维尔人寿保险、普罗维登斯人伤意外险公司等。
ALL vs UNM — 直观对比
营收规模更大
ALL
是对方的5.3倍
$3.2B
营收增速更快
ALL
高出4.9%
0.2%
净利率更高
ALL
高出16.7%
5.4%
自由现金流更多
ALL
多$2.6B
$320.1M
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 | $3.2B |
| 净利润 | $3.8B | $174.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 6.7% |
| 净利率 | 22.1% | 5.4% |
| 营收同比 | 5.1% | 0.2% |
| 净利润同比 | 98.8% | -50.1% |
| 每股收益（稀释后） | $14.24 | $1.06 |
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ALLUNM
| Q4 25 | $17.3B | $3.2B | ||
| Q3 25 | $17.3B | $3.4B | ||
| Q2 25 | $16.6B | $3.4B | ||
| Q1 25 | $16.5B | $3.1B | ||
| Q4 24 | $16.5B | $3.2B | ||
| Q3 24 | $16.6B | $3.2B | ||
| Q2 24 | $15.7B | $3.2B | ||
| Q1 24 | $15.3B | $3.2B |
净利润ALLUNM
| Q4 25 | $3.8B | $174.1M | ||
| Q3 25 | $3.7B | $39.7M | ||
| Q2 25 | $2.1B | $335.6M | ||
| Q1 25 | $595.0M | $189.1M | ||
| Q4 24 | $1.9B | $348.7M | ||
| Q3 24 | $1.2B | $645.7M | ||
| Q2 24 | $331.0M | $389.5M | ||
| Q1 24 | $1.2B | $395.2M |
营业利润率ALLUNM
| Q4 25 | — | 6.7% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 12.4% | ||
| Q1 25 | — | 7.9% | ||
| Q4 24 | — | 13.8% | ||
| Q3 24 | — | 15.6% | ||
| Q2 24 | — | 15.3% | ||
| Q1 24 | — | 15.5% |
净利率ALLUNM
| Q4 25 | 22.1% | 5.4% | ||
| Q3 25 | 21.7% | 1.2% | ||
| Q2 25 | 12.7% | 10.0% | ||
| Q1 25 | 3.6% | 6.1% | ||
| Q4 24 | 11.7% | 10.8% | ||
| Q3 24 | 7.2% | 20.1% | ||
| Q2 24 | 2.1% | 12.0% | ||
| Q1 24 | 8.0% | 12.3% |
每股收益（稀释后）ALLUNM
| Q4 25 | $14.24 | $1.06 | ||
| Q3 25 | $13.95 | $0.23 | ||
| Q2 25 | $7.76 | $1.92 | ||
| Q1 25 | $2.11 | $1.06 | ||
| Q4 24 | $7.07 | $1.91 | ||
| Q3 24 | $4.33 | $3.46 | ||
| Q2 24 | $1.13 | $2.05 | ||
| Q1 24 | $4.46 | $2.04 |
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 | — |
| 总债务越低越好 | $7.5B | $3.8B |
| 股东权益账面价值 | $30.6B | $11.1B |
| 总资产 | $119.8B | $63.5B |
| 负债/权益比越低杠杆越低 | 0.24× | 0.34× |
8季度趋势，按日历期对齐
现金及短期投资ALLUNM
| Q4 25 | $4.9B | — | ||
| Q3 25 | $8.7B | — | ||
| Q2 25 | $9.6B | — | ||
| Q1 25 | $6.5B | — | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $7.0B | — | ||
| Q2 24 | $5.3B | — | ||
| Q1 24 | $4.3B | — |
总债务ALLUNM
| Q4 25 | $7.5B | $3.8B | ||
| Q3 25 | $8.1B | $3.5B | ||
| Q2 25 | $8.1B | $3.5B | ||
| Q1 25 | $8.1B | $3.5B | ||
| Q4 24 | $8.1B | $3.5B | ||
| Q3 24 | $8.1B | $3.5B | ||
| Q2 24 | $8.1B | $3.5B | ||
| Q1 24 | $7.9B | $3.4B |
股东权益ALLUNM
| Q4 25 | $30.6B | $11.1B | ||
| Q3 25 | $27.5B | $10.9B | ||
| Q2 25 | $24.0B | $11.3B | ||
| Q1 25 | $22.1B | $11.2B | ||
| Q4 24 | $21.4B | $11.0B | ||
| Q3 24 | $20.9B | $11.0B | ||
| Q2 24 | $18.6B | $10.5B | ||
| Q1 24 | $18.6B | $10.2B |
总资产ALLUNM
| Q4 25 | $119.8B | $63.5B | ||
| Q3 25 | $120.4B | $63.7B | ||
| Q2 25 | $115.9B | $62.8B | ||
| Q1 25 | $115.2B | $62.5B | ||
| Q4 24 | $111.6B | $62.0B | ||
| Q3 24 | $113.7B | $64.1B | ||
| Q2 24 | $108.4B | $62.0B | ||
| Q1 24 | $105.2B | $62.5B |
负债/权益比ALLUNM
| Q4 25 | 0.24× | 0.34× | ||
| Q3 25 | 0.29× | 0.32× | ||
| Q2 25 | 0.34× | 0.31× | ||
| Q1 25 | 0.37× | 0.31× | ||
| Q4 24 | 0.38× | 0.32× | ||
| Q3 24 | 0.39× | 0.32× | ||
| Q2 24 | 0.43× | 0.33× | ||
| Q1 24 | 0.43× | 0.34× |
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 | $357.9M |
| 自由现金流经营现金流 - 资本支出 | $2.9B | $320.1M |
| 自由现金流率自由现金流/营收 | 16.7% | 9.9% |
| 资本支出强度资本支出/营收 | 0.5% | 1.2% |
| 现金转化率经营现金流/净利润 | 0.78× | 2.06× |
| 过去12个月自由现金流最近4个季度 | $9.9B | $555.4M |
8季度趋势，按日历期对齐
经营现金流ALLUNM
| Q4 25 | $3.0B | $357.9M | ||
| Q3 25 | $3.3B | $-371.8M | ||
| Q2 25 | $1.9B | $348.0M | ||
| Q1 25 | $2.0B | $353.6M | ||
| Q4 24 | $1.7B | $485.8M | ||
| Q3 24 | $3.2B | $390.0M | ||
| Q2 24 | $2.4B | $339.1M | ||
| Q1 24 | $1.7B | $298.3M |
自由现金流ALLUNM
| Q4 25 | $2.9B | $320.1M | ||
| Q3 25 | $3.2B | $-402.6M | ||
| Q2 25 | $1.9B | $320.1M | ||
| Q1 25 | $1.9B | $317.8M | ||
| Q4 24 | $1.7B | $453.8M | ||
| Q3 24 | $3.1B | $352.3M | ||
| Q2 24 | $2.3B | $311.4M | ||
| Q1 24 | $1.6B | $270.0M |
自由现金流率ALLUNM
| Q4 25 | 16.7% | 9.9% | ||
| Q3 25 | 18.8% | -11.9% | ||
| Q2 25 | 11.3% | 9.5% | ||
| Q1 25 | 11.4% | 10.3% | ||
| Q4 24 | 10.0% | 14.0% | ||
| Q3 24 | 18.9% | 11.0% | ||
| Q2 24 | 14.7% | 9.6% | ||
| Q1 24 | 10.6% | 8.4% |
资本支出强度ALLUNM
| Q4 25 | 0.5% | 1.2% | ||
| Q3 25 | 0.3% | 0.9% | ||
| Q2 25 | 0.0% | 0.8% | ||
| Q1 25 | 0.6% | 1.2% | ||
| Q4 24 | 0.3% | 1.0% | ||
| Q3 24 | 0.4% | 1.2% | ||
| Q2 24 | 0.4% | 0.9% | ||
| Q1 24 | 0.3% | 0.9% |
现金转化率ALLUNM
| Q4 25 | 0.78× | 2.06× | ||
| Q3 25 | 0.88× | -9.37× | ||
| Q2 25 | 0.89× | 1.04× | ||
| Q1 25 | 3.30× | 1.87× | ||
| Q4 24 | 0.88× | 1.39× | ||
| Q3 24 | 2.69× | 0.60× | ||
| Q2 24 | 7.13× | 0.87× | ||
| Q1 24 | 1.37× | 0.75× |
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
UNM
| Unum Us | $2.0B | 60% |
| Colonial Life | $507.0M | 16% |
| Closed Block | $445.6M | 14% |
| Unum International | $323.0M | 10% |
