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AMERISAFE INC（AMSF）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
RENAISSANCERE HOLDINGS LTD的季度营收约是AMERISAFE INC的37.1倍（$3.0B vs $80.1M）。RENAISSANCERE HOLDINGS LTD净利率更高（25.6% vs 10.2%，领先15.4%）。RENAISSANCERE HOLDINGS LTD同比增速更快（29.6% vs 10.3%）。过去两年RENAISSANCERE HOLDINGS LTD的营收复合增速更高（6.9% vs 2.8%）
AMERISAFE Inc.是一家专业工伤保险服务商，核心经营市场为美国，覆盖本土49个州，主要为建筑、伐木、货运、制造等高风险行业的中小企业提供定制化工伤险产品及配套风险管理解决方案。
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。
AMSF vs RNR — 直观对比
营收规模更大
RNR
是对方的37.1倍
$80.1M
营收增速更快
RNR
高出19.3%
10.3%
净利率更高
RNR
高出15.4%
10.2%
两年增速更快
RNR
近两年复合增速
2.8%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $80.1M | $3.0B |
| 净利润 | $8.1M | $760.5M |
| 毛利率 | — | — |
| 营业利润率 | — | 42.5% |
| 净利率 | 10.2% | 25.6% |
| 营收同比 | 10.3% | 29.6% |
| 净利润同比 | -9.0% | 501.0% |
| 每股收益（稀释后） | $0.43 | $16.16 |
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AMSFRNR
| Q1 26 | $80.1M | — | ||
| Q4 25 | $81.6M | $3.0B | ||
| Q3 25 | $82.0M | $3.2B | ||
| Q2 25 | $81.1M | $3.2B | ||
| Q1 25 | $72.6M | $3.5B | ||
| Q4 24 | $74.0M | $2.3B | ||
| Q3 24 | $78.7M | $4.0B | ||
| Q2 24 | $75.8M | $2.8B |
净利润AMSFRNR
| Q1 26 | $8.1M | — | ||
| Q4 25 | $10.4M | $760.5M | ||
| Q3 25 | $13.8M | $916.5M | ||
| Q2 25 | $14.0M | $835.4M | ||
| Q1 25 | $8.9M | $170.0M | ||
| Q4 24 | $13.2M | $-189.7M | ||
| Q3 24 | $14.3M | $1.2B | ||
| Q2 24 | $11.0M | $503.9M |
营业利润率AMSFRNR
| Q1 26 | — | — | ||
| Q4 25 | 15.6% | 42.5% | ||
| Q3 25 | 21.3% | 46.3% | ||
| Q2 25 | 21.5% | 41.8% | ||
| Q1 25 | 15.5% | -2.0% | ||
| Q4 24 | 22.7% | -3.6% | ||
| Q3 24 | 22.6% | 43.7% | ||
| Q2 24 | 18.1% | 25.0% |
净利率AMSFRNR
| Q1 26 | 10.2% | — | ||
| Q4 25 | 12.8% | 25.6% | ||
| Q3 25 | 16.9% | 28.7% | ||
| Q2 25 | 17.2% | 26.1% | ||
| Q1 25 | 12.3% | 4.9% | ||
| Q4 24 | 17.8% | -8.3% | ||
| Q3 24 | 18.2% | 29.8% | ||
| Q2 24 | 14.5% | 17.8% |
每股收益（稀释后）AMSFRNR
| Q1 26 | $0.43 | — | ||
| Q4 25 | $0.55 | $16.16 | ||
| Q3 25 | $0.72 | $19.40 | ||
| Q2 25 | $0.73 | $17.20 | ||
| Q1 25 | $0.47 | $3.27 | ||
| Q4 24 | $0.69 | $-3.76 | ||
| Q3 24 | $0.75 | $22.62 | ||
| Q2 24 | $0.57 | $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 | $34.2M | $1.7B |
| 总债务越低越好 | — | $2.3B |
| 股东权益账面价值 | $246.6M | $11.6B |
| 总资产 | — | $53.8B |
| 负债/权益比越低杠杆越低 | — | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资AMSFRNR
| Q1 26 | $34.2M | — | ||
| Q4 25 | $61.9M | $1.7B | ||
| Q3 25 | $54.7M | $1.7B | ||
| Q2 25 | $48.5M | $1.4B | ||
| Q1 25 | $44.8M | $1.6B | ||
| Q4 24 | $44.1M | $1.7B | ||
| Q3 24 | $63.7M | $1.6B | ||
| Q2 24 | $30.6M | $1.6B |
总债务AMSFRNR
| 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AMSFRNR
| Q1 26 | $246.6M | — | ||
| Q4 25 | $251.6M | $11.6B | ||
| Q3 25 | $274.8M | $11.5B | ||
| Q2 25 | $265.6M | $10.8B | ||
| Q1 25 | $260.8M | $10.3B | ||
| Q4 24 | $257.3M | $10.6B | ||
| Q3 24 | $314.4M | $11.2B | ||
| Q2 24 | $301.0M | $10.2B |
总资产AMSFRNR
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $53.8B | ||
| Q3 25 | $1.2B | $54.5B | ||
| Q2 25 | $1.2B | $54.7B | ||
| Q1 25 | $1.2B | $53.6B | ||
| Q4 24 | $1.2B | $50.7B | ||
| Q3 24 | $1.3B | $52.8B | ||
| Q2 24 | $1.2B | $51.6B |
负债/权益比AMSFRNR
| 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 | — | $483.0M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 0.64× |
| 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AMSFRNR
| Q1 26 | — | — | ||
| Q4 25 | $10.6M | $483.0M | ||
| Q3 25 | $10.7M | $1.6B | ||
| Q2 25 | $-8.4M | $1.5B | ||
| Q1 25 | $-1.8M | $157.8M | ||
| Q4 24 | $10.8M | $778.9M | ||
| Q3 24 | $8.4M | $1.5B | ||
| Q2 24 | $-2.6M | $1.2B |
自由现金流AMSFRNR
| Q1 26 | — | — | ||
| Q4 25 | $10.4M | — | ||
| Q3 25 | $9.8M | — | ||
| Q2 25 | $-9.5M | — | ||
| Q1 25 | $-1.8M | — | ||
| Q4 24 | $10.8M | — | ||
| Q3 24 | $8.4M | — | ||
| Q2 24 | $-2.6M | — |
自由现金流率AMSFRNR
| Q1 26 | — | — | ||
| Q4 25 | 12.8% | — | ||
| Q3 25 | 11.9% | — | ||
| Q2 25 | -11.7% | — | ||
| Q1 25 | -2.5% | — | ||
| Q4 24 | 14.6% | — | ||
| Q3 24 | 10.7% | — | ||
| Q2 24 | -3.5% | — |
资本支出强度AMSFRNR
| Q1 26 | — | — | ||
| Q4 25 | 0.2% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 1.3% | — | ||
| Q1 25 | 0.0% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.1% | — |
现金转化率AMSFRNR
| Q1 26 | — | — | ||
| Q4 25 | 1.02× | 0.64× | ||
| Q3 25 | 0.77× | 1.73× | ||
| Q2 25 | -0.61× | 1.76× | ||
| Q1 25 | -0.20× | 0.93× | ||
| Q4 24 | 0.82× | — | ||
| Q3 24 | 0.59× | 1.26× | ||
| Q2 24 | -0.24× | 2.41× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
