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好事达（ALL）与UWM Holdings Corp（UWMC）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UWM Holdings Corp的18.3倍（$17.3B vs $945.2M）。好事达净利率更高（22.1% vs 2.1%，领先20.0%）。UWM Holdings Corp同比增速更快（68.7% vs 5.1%）。好事达自由现金流更多（$2.9B vs $82.0M）。过去两年UWM Holdings Corp的营收复合增速更高（28.8% 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。
UWM控股（前身为联合海岸金融服务）是总部位于美国密歇根州庞蒂亚克的批发抵押贷款机构，专门为独立贷款经纪人提供贷款承销服务，据2024年公开数据显示，该公司是目前美国规模最大的抵押贷款放贷机构。
ALL vs UWMC — 直观对比
营收规模更大
ALL
是对方的18.3倍
$945.2M
营收增速更快
UWMC
高出63.6%
5.1%
净利率更高
ALL
高出20.0%
2.1%
自由现金流更多
ALL
多$2.8B
$82.0M
两年增速更快
UWMC
近两年复合增速
6.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $945.2M |
| 净利润 | $3.8B | $19.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 17.9% |
| 净利率 | 22.1% | 2.1% |
| 营收同比 | 5.1% | 68.7% |
| 净利润同比 | 98.8% | 117.6% |
| 每股收益（稀释后） | $14.24 | $0.14 |
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ALLUWMC
| Q4 25 | $17.3B | $945.2M | ||
| Q3 25 | $17.3B | $843.3M | ||
| Q2 25 | $16.6B | $758.7M | ||
| Q1 25 | $16.5B | $613.4M | ||
| Q4 24 | $16.5B | $560.2M | ||
| Q3 24 | $16.6B | $526.4M | ||
| Q2 24 | $15.7B | $507.1M | ||
| Q1 24 | $15.3B | $570.0M |
净利润ALLUWMC
| Q4 25 | $3.8B | $19.4M | ||
| Q3 25 | $3.7B | $-1.3M | ||
| Q2 25 | $2.1B | $22.9M | ||
| Q1 25 | $595.0M | $-13.7M | ||
| Q4 24 | $1.9B | $8.9M | ||
| Q3 24 | $1.2B | $-6.3M | ||
| Q2 24 | $331.0M | $3.0M | ||
| Q1 24 | $1.2B | $8.7M |
营业利润率ALLUWMC
| Q4 25 | — | 17.9% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 43.4% | ||
| Q1 25 | — | -42.5% | ||
| Q4 24 | — | 7.6% | ||
| Q3 24 | — | 6.1% | ||
| Q2 24 | — | 15.2% | ||
| Q1 24 | — | 32.3% |
净利率ALLUWMC
| Q4 25 | 22.1% | 2.1% | ||
| Q3 25 | 21.7% | -0.1% | ||
| Q2 25 | 12.7% | 3.0% | ||
| Q1 25 | 3.6% | -2.2% | ||
| Q4 24 | 11.7% | 1.6% | ||
| Q3 24 | 7.2% | -1.2% | ||
| Q2 24 | 2.1% | 0.6% | ||
| Q1 24 | 8.0% | 1.5% |
每股收益（稀释后）ALLUWMC
| Q4 25 | $14.24 | $0.14 | ||
| Q3 25 | $13.95 | $-0.01 | ||
| Q2 25 | $7.76 | $0.11 | ||
| Q1 25 | $2.11 | $-0.12 | ||
| Q4 24 | $7.07 | $0.07 | ||
| Q3 24 | $4.33 | $-0.06 | ||
| Q2 24 | $1.13 | $0.03 | ||
| Q1 24 | $4.46 | $0.09 |
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 | $503.4M |
| 总债务越低越好 | $7.5B | $3.0B |
| 股东权益账面价值 | $30.6B | $1.6B |
| 总资产 | $119.8B | $16.9B |
| 负债/权益比越低杠杆越低 | 0.24× | 1.87× |
8季度趋势，按日历期对齐
现金及短期投资ALLUWMC
| Q4 25 | $4.9B | $503.4M | ||
| Q3 25 | $8.7B | $870.7M | ||
| Q2 25 | $9.6B | $490.0M | ||
| Q1 25 | $6.5B | $485.0M | ||
| Q4 24 | $4.5B | $507.3M | ||
| Q3 24 | $7.0B | $636.3M | ||
| Q2 24 | $5.3B | $680.2M | ||
| Q1 24 | $4.3B | $605.6M |
总债务ALLUWMC
| Q4 25 | $7.5B | $3.0B | ||
| Q3 25 | $8.1B | $3.8B | ||
| Q2 25 | $8.1B | $2.8B | ||
| Q1 25 | $8.1B | $2.8B | ||
| Q4 24 | $8.1B | $2.8B | ||
| Q3 24 | $8.1B | $2.0B | ||
| Q2 24 | $8.1B | $2.0B | ||
| Q1 24 | $7.9B | $2.0B |
股东权益ALLUWMC
| Q4 25 | $30.6B | $1.6B | ||
| Q3 25 | $27.5B | $1.6B | ||
| Q2 25 | $24.0B | $1.7B | ||
| Q1 25 | $22.1B | $1.6B | ||
| Q4 24 | $21.4B | $2.1B | ||
| Q3 24 | $20.9B | $2.2B | ||
| Q2 24 | $18.6B | $2.3B | ||
| Q1 24 | $18.6B | $2.5B |
总资产ALLUWMC
| Q4 25 | $119.8B | $16.9B | ||
| Q3 25 | $120.4B | $17.0B | ||
| Q2 25 | $115.9B | $13.9B | ||
| Q1 25 | $115.2B | $14.0B | ||
| Q4 24 | $111.6B | $15.7B | ||
| Q3 24 | $113.7B | $15.1B | ||
| Q2 24 | $108.4B | $12.9B | ||
| Q1 24 | $105.2B | $12.8B |
负债/权益比ALLUWMC
| Q4 25 | 0.24× | 1.87× | ||
| Q3 25 | 0.29× | 2.38× | ||
| Q2 25 | 0.34× | 1.59× | ||
| Q1 25 | 0.37× | 1.70× | ||
| Q4 24 | 0.38× | 1.36× | ||
| Q3 24 | 0.39× | 0.92× | ||
| Q2 24 | 0.43× | 0.86× | ||
| Q1 24 | 0.43× | 0.81× |
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 | $103.8M |
| 自由现金流经营现金流 - 资本支出 | $2.9B | $82.0M |
| 自由现金流率自由现金流/营收 | 16.7% | 8.7% |
| 资本支出强度资本支出/营收 | 0.5% | 2.3% |
| 现金转化率经营现金流/净利润 | 0.78× | 5.34× |
| 过去12个月自由现金流最近4个季度 | $9.9B | $-2.7B |
8季度趋势，按日历期对齐
经营现金流ALLUWMC
| Q4 25 | $3.0B | $103.8M | ||
| Q3 25 | $3.3B | $-3.1B | ||
| Q2 25 | $1.9B | $-265.9M | ||
| Q1 25 | $2.0B | $593.9M | ||
| Q4 24 | $1.7B | $-543.3M | ||
| Q3 24 | $3.2B | $-2.2B | ||
| Q2 24 | $2.4B | $-1.3B | ||
| Q1 24 | $1.7B | $-2.2B |
自由现金流ALLUWMC
| Q4 25 | $2.9B | $82.0M | ||
| Q3 25 | $3.2B | $-3.1B | ||
| Q2 25 | $1.9B | $-290.1M | ||
| Q1 25 | $1.9B | $576.1M | ||
| Q4 24 | $1.7B | $-551.6M | ||
| Q3 24 | $3.1B | $-2.2B | ||
| Q2 24 | $2.3B | $-1.3B | ||
| Q1 24 | $1.6B | $-2.2B |
自由现金流率ALLUWMC
| Q4 25 | 16.7% | 8.7% | ||
| Q3 25 | 18.8% | -366.4% | ||
| Q2 25 | 11.3% | -38.2% | ||
| Q1 25 | 11.4% | 93.9% | ||
| Q4 24 | 10.0% | -98.5% | ||
| Q3 24 | 18.9% | -416.1% | ||
| Q2 24 | 14.7% | -262.1% | ||
| Q1 24 | 10.6% | -387.7% |
资本支出强度ALLUWMC
| Q4 25 | 0.5% | 2.3% | ||
| Q3 25 | 0.3% | 1.2% | ||
| Q2 25 | 0.0% | 3.2% | ||
| Q1 25 | 0.6% | 2.9% | ||
| Q4 24 | 0.3% | 1.5% | ||
| Q3 24 | 0.4% | 2.3% | ||
| Q2 24 | 0.4% | 2.4% | ||
| Q1 24 | 0.3% | 1.2% |
现金转化率ALLUWMC
| Q4 25 | 0.78× | 5.34× | ||
| Q3 25 | 0.88× | — | ||
| Q2 25 | 0.89× | -11.61× | ||
| Q1 25 | 3.30× | — | ||
| Q4 24 | 0.88× | -60.91× | ||
| Q3 24 | 2.69× | — | ||
| Q2 24 | 7.13× | -431.86× | ||
| Q1 24 | 1.37× | -252.32× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
