vs
Ategrity Specialty Insurance Co Holdings（ASIC）与Bandwidth Inc.（BAND）财务数据对比。点击上方公司名可切换其他公司
Bandwidth Inc.的季度营收约是Ategrity Specialty Insurance Co Holdings的1.8倍（$208.8M vs $116.1M），Ategrity Specialty Insurance Co Holdings净利率更高（19.5% vs 1.9%，领先17.6%）
Ategrity Specialty Insurance Co Holdings是一家特种保险控股企业，提供商业财产及意外伤害保险解决方案，主营超额与盈余线保险业务，服务美国本土建筑、医疗、小型企业等细分领域，为标准保险公司通常不承接的特殊风险提供定制化保单。
Bandwidth Inc.是一家通信平台即服务提供商，依托自有全球IP语音网络，为客户提供语音、短信及应急服务相关的软件API产品，帮助开发者便捷集成通信功能，全球客户可借助其方案快速搭建符合需求的通信服务体系。
ASIC vs BAND — 直观对比
营收规模更大
BAND
是对方的1.8倍
$116.1M
净利率更高
ASIC
高出17.6%
1.9%
损益表 — Q3 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $116.1M | $208.8M |
| 净利润 | $22.7M | $4.0M |
| 毛利率 | — | 37.3% |
| 营业利润率 | 25.6% | 60.5% |
| 净利率 | 19.5% | 1.9% |
| 营收同比 | — | 20.1% |
| 净利润同比 | — | 200.0% |
| 每股收益（稀释后） | $0.45 | $-0.08 |
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ASICBAND
| Q1 26 | — | $208.8M | ||
| Q4 25 | — | $207.7M | ||
| Q3 25 | $116.1M | $191.9M | ||
| Q2 25 | $101.8M | $180.0M | ||
| Q1 25 | — | $174.2M | ||
| Q4 24 | — | $210.0M | ||
| Q3 24 | — | $193.9M | ||
| Q2 24 | — | $173.6M |
净利润ASICBAND
| Q1 26 | — | $4.0M | ||
| Q4 25 | — | — | ||
| Q3 25 | $22.7M | $-1.2M | ||
| Q2 25 | $17.6M | $-4.9M | ||
| Q1 25 | — | $-3.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $413.0K | ||
| Q2 24 | — | $4.1M |
毛利率ASICBAND
| Q1 26 | — | 37.3% | ||
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 38.5% | ||
| Q2 25 | — | 39.8% | ||
| Q1 25 | — | 41.0% | ||
| Q4 24 | — | 36.4% | ||
| Q3 24 | — | 37.7% | ||
| Q2 24 | — | 37.3% |
营业利润率ASICBAND
| Q1 26 | — | 60.5% | ||
| Q4 25 | — | -1.9% | ||
| Q3 25 | 25.6% | -1.0% | ||
| Q2 25 | 21.9% | -2.1% | ||
| Q1 25 | — | -2.7% | ||
| Q4 24 | — | -1.3% | ||
| Q3 24 | — | -0.5% | ||
| Q2 24 | — | -3.5% |
净利率ASICBAND
| Q1 26 | — | 1.9% | ||
| Q4 25 | — | — | ||
| Q3 25 | 19.5% | -0.6% | ||
| Q2 25 | 17.3% | -2.7% | ||
| Q1 25 | — | -2.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 2.3% |
每股收益（稀释后）ASICBAND
| Q1 26 | — | $-0.08 | ||
| Q4 25 | — | $-0.10 | ||
| Q3 25 | $0.45 | $-0.04 | ||
| Q2 25 | $0.39 | $-0.16 | ||
| Q1 25 | — | $-0.13 | ||
| Q4 24 | — | $0.27 | ||
| Q3 24 | — | $0.01 | ||
| Q2 24 | — | $-0.17 |
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 | $34.3M | $47.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $588.6M | $405.7M |
| 总资产 | $1.4B | $984.2M |
| 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ASICBAND
| Q1 26 | — | $47.3M | ||
| Q4 25 | — | $111.3M | ||
| Q3 25 | $34.3M | $80.4M | ||
| Q2 25 | $23.5M | $68.1M | ||
| Q1 25 | — | $41.7M | ||
| Q4 24 | — | $83.8M | ||
| Q3 24 | — | $79.9M | ||
| Q2 24 | — | $76.4M |
股东权益ASICBAND
| Q1 26 | — | $405.7M | ||
| Q4 25 | — | $400.0M | ||
| Q3 25 | $588.6M | $392.7M | ||
| Q2 25 | $559.7M | $384.5M | ||
| Q1 25 | — | $345.4M | ||
| Q4 24 | — | $312.5M | ||
| Q3 24 | — | $336.6M | ||
| Q2 24 | — | $307.4M |
总资产ASICBAND
| Q1 26 | — | $984.2M | ||
| Q4 25 | — | $1.1B | ||
| Q3 25 | $1.4B | $1.0B | ||
| Q2 25 | $1.4B | $1.0B | ||
| Q1 25 | — | $964.4M | ||
| Q4 24 | — | $989.2M | ||
| Q3 24 | — | $1.0B | ||
| Q2 24 | — | $1.0B |
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 | $41.1M | — |
| 自由现金流经营现金流 - 资本支出 | — | $-1.0M |
| 自由现金流率自由现金流/营收 | — | -0.5% |
| 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 | 1.81× | — |
| 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ASICBAND
| Q1 26 | — | — | ||
| Q4 25 | — | $38.6M | ||
| Q3 25 | $41.1M | $22.2M | ||
| Q2 25 | $50.8M | $31.7M | ||
| Q1 25 | — | $-3.1M | ||
| Q4 24 | — | $36.5M | ||
| Q3 24 | — | $20.5M | ||
| Q2 24 | — | $24.4M |
自由现金流ASICBAND
| Q1 26 | — | $-1.0M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率ASICBAND
| Q1 26 | — | -0.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率ASICBAND
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.81× | — | ||
| Q2 25 | 2.88× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 49.55× | ||
| Q2 24 | — | 6.03× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
