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豪瑞（AMRZ）与RENAISSANCERE HOLDINGS LTD（RNR）财务数据对比。点击上方公司名可切换其他公司
豪瑞的季度营收约是RENAISSANCERE HOLDINGS LTD的1.7倍（$3.7B vs $2.2B），RENAISSANCERE HOLDINGS LTD净利率更高（23.5% vs 14.8%，领先8.7%），豪瑞同比增速更快（6.6% vs -36.8%）
豪瑞是总部位于瑞士的全球领先建筑材料及骨料供应商，为豪瑞集团旗下核心业务板块。原公司于2015年7月10日与拉法基合并组建拉法基豪瑞，2021年正式更名为豪瑞集团，合并完成后豪瑞品牌仍在集团内正常运营。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
AMRZ vs RNR — 直观对比
营收规模更大
AMRZ
是对方的1.7倍
$2.2B
营收增速更快
AMRZ
高出43.4%
-36.8%
净利率更高
RNR
高出8.7%
14.8%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.7B | $2.2B |
| 净利润 | $545.0M | $515.8M |
| 毛利率 | 29.6% | — |
| 营业利润率 | 21.2% | — |
| 净利率 | 14.8% | 23.5% |
| 营收同比 | 6.6% | -36.8% |
| 净利润同比 | -1.4% | 72.6% |
| 每股收益（稀释后） | $0.98 | $6.57 |
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AMRZRNR
| Q1 26 | — | $2.2B | ||
| Q4 25 | — | $3.0B | ||
| Q3 25 | $3.7B | $3.2B | ||
| Q2 25 | $3.2B | $3.2B | ||
| Q1 25 | — | $3.5B | ||
| Q4 24 | — | $2.3B | ||
| Q3 24 | $3.4B | $4.0B | ||
| Q2 24 | $3.2B | $2.8B |
净利润AMRZRNR
| Q1 26 | — | $515.8M | ||
| Q4 25 | — | $760.5M | ||
| Q3 25 | $545.0M | $916.5M | ||
| Q2 25 | $429.0M | $835.4M | ||
| Q1 25 | — | $170.0M | ||
| Q4 24 | — | $-189.7M | ||
| Q3 24 | $553.0M | $1.2B | ||
| Q2 24 | $474.0M | $503.9M |
毛利率AMRZRNR
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 29.6% | — | ||
| Q2 25 | 30.0% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 30.2% | — | ||
| Q2 24 | 30.2% | — |
营业利润率AMRZRNR
| Q1 26 | — | — | ||
| Q4 25 | — | 42.5% | ||
| Q3 25 | 21.2% | 46.3% | ||
| Q2 25 | 20.8% | 41.8% | ||
| Q1 25 | — | -2.0% | ||
| Q4 24 | — | -3.6% | ||
| Q3 24 | 24.5% | 43.7% | ||
| Q2 24 | 23.3% | 25.0% |
净利率AMRZRNR
| Q1 26 | — | 23.5% | ||
| Q4 25 | — | 25.6% | ||
| Q3 25 | 14.8% | 28.7% | ||
| Q2 25 | 13.3% | 26.1% | ||
| Q1 25 | — | 4.9% | ||
| Q4 24 | — | -8.3% | ||
| Q3 24 | 16.0% | 29.8% | ||
| Q2 24 | 14.6% | 17.8% |
每股收益（稀释后）AMRZRNR
| Q1 26 | — | $6.57 | ||
| Q4 25 | — | $16.16 | ||
| Q3 25 | $0.98 | $19.40 | ||
| Q2 25 | $0.78 | $17.20 | ||
| Q1 25 | — | $3.27 | ||
| Q4 24 | — | $-3.76 | ||
| Q3 24 | $1.00 | $22.62 | ||
| Q2 24 | $0.86 | $9.41 |
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 | $826.0M | $1.6B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $12.9B | $4.3B |
| 总资产 | $24.0B | $53.7B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资AMRZRNR
| Q1 26 | — | $1.6B | ||
| Q4 25 | — | $1.7B | ||
| Q3 25 | $826.0M | $1.7B | ||
| Q2 25 | $601.0M | $1.4B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | — | $1.6B |
总债务AMRZRNR
| Q1 26 | — | — | ||
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $2.3B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | — | $1.9B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.0B |
股东权益AMRZRNR
| Q1 26 | — | $4.3B | ||
| Q4 25 | — | $11.6B | ||
| Q3 25 | $12.9B | $11.5B | ||
| Q2 25 | $12.4B | $10.8B | ||
| Q1 25 | — | $10.3B | ||
| Q4 24 | — | $10.6B | ||
| Q3 24 | $9.8B | $11.2B | ||
| Q2 24 | $9.3B | $10.2B |
总资产AMRZRNR
| Q1 26 | — | $53.7B | ||
| Q4 25 | — | $53.8B | ||
| Q3 25 | $24.0B | $54.5B | ||
| Q2 25 | $23.8B | $54.7B | ||
| Q1 25 | — | $53.6B | ||
| Q4 24 | — | $50.7B | ||
| Q3 24 | — | $52.8B | ||
| Q2 24 | — | $51.6B |
负债/权益比AMRZRNR
| Q1 26 | — | — | ||
| Q4 25 | — | 0.20× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.21× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.17× | ||
| Q2 24 | — | 0.19× |
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 | $854.0M | — |
| 自由现金流经营现金流 - 资本支出 | $669.0M | — |
| 自由现金流率自由现金流/营收 | 18.2% | — |
| 资本支出强度资本支出/营收 | 5.0% | — |
| 现金转化率经营现金流/净利润 | 1.57× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流AMRZRNR
| Q1 26 | — | — | ||
| Q4 25 | — | $483.0M | ||
| Q3 25 | $854.0M | $1.6B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $157.8M | ||
| Q4 24 | — | $778.9M | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $1.2B |
自由现金流AMRZRNR
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $669.0M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率AMRZRNR
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 18.2% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度AMRZRNR
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 5.0% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率AMRZRNR
| Q1 26 | — | — | ||
| Q4 25 | — | 0.64× | ||
| Q3 25 | 1.57× | 1.73× | ||
| Q2 25 | — | 1.76× | ||
| Q1 25 | — | 0.93× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.26× | ||
| Q2 24 | — | 2.41× |
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
AMRZ
| Building Materials | $2.8B | 75% |
| Building Envelope | $901.0M | 25% |
| Equity Method Investee | $5.0M | 0% |
RNR
暂无分部数据
