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Ategrity Specialty Insurance Co Holdings（ASIC）与Bowhead Specialty Holdings Inc.（BOW）财务数据对比。点击上方公司名可切换其他公司
Bowhead Specialty Holdings Inc.的季度营收约是Ategrity Specialty Insurance Co Holdings的1.3倍（$151.7M vs $116.1M）。Ategrity Specialty Insurance Co Holdings净利率更高（19.5% vs 9.8%，领先9.7%）
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。
Bowhead Specialty Holdings Inc.是一家专业保险控股企业，主营财产及意外伤害保险产品，聚焦北美地区服务不足的小众细分市场，为商业和个人客户提供定制化风险管理方案与专属保险保障服务。
ASIC vs BOW — 直观对比
营收规模更大
BOW
是对方的1.3倍
$116.1M
净利率更高
ASIC
高出9.7%
9.8%
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $116.1M | $151.7M |
| 净利润 | $22.7M | $14.8M |
| 毛利率 | — | — |
| 营业利润率 | 25.6% | 11.7% |
| 净利率 | 19.5% | 9.8% |
| 营收同比 | — | — |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.45 | $0.44 |
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ASICBOW
| Q4 25 | — | $151.7M | ||
| Q3 25 | $116.1M | $143.9M | ||
| Q2 25 | $101.8M | $133.3M | ||
| Q1 25 | — | $122.7M | ||
| Q3 24 | — | $116.8M | ||
| Q2 24 | — | $98.9M |
净利润ASICBOW
| Q4 25 | — | $14.8M | ||
| Q3 25 | $22.7M | $15.2M | ||
| Q2 25 | $17.6M | $12.3M | ||
| Q1 25 | — | $11.4M | ||
| Q3 24 | — | $12.1M | ||
| Q2 24 | — | $5.5M |
营业利润率ASICBOW
| Q4 25 | — | 11.7% | ||
| Q3 25 | 25.6% | 13.3% | ||
| Q2 25 | 21.9% | 11.9% | ||
| Q1 25 | — | 11.8% | ||
| Q3 24 | — | 13.5% | ||
| Q2 24 | — | 7.5% |
净利率ASICBOW
| Q4 25 | — | 9.8% | ||
| Q3 25 | 19.5% | 10.5% | ||
| Q2 25 | 17.3% | 9.3% | ||
| Q1 25 | — | 9.3% | ||
| Q3 24 | — | 10.4% | ||
| Q2 24 | — | 5.6% |
每股收益（稀释后）ASICBOW
| Q4 25 | — | $0.44 | ||
| Q3 25 | $0.45 | $0.45 | ||
| Q2 25 | $0.39 | $0.36 | ||
| Q1 25 | — | $0.34 | ||
| Q3 24 | — | $0.36 | ||
| Q2 24 | — | $0.20 |
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 | $193.5M |
| 总债务越低越好 | — | $146.4M |
| 股东权益账面价值 | $588.6M | $448.3M |
| 总资产 | $1.4B | $2.4B |
| 负债/权益比越低杠杆越低 | — | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资ASICBOW
| Q4 25 | — | $193.5M | ||
| Q3 25 | $34.3M | $197.9M | ||
| Q2 25 | $23.5M | $114.8M | ||
| Q1 25 | — | $88.0M | ||
| Q3 24 | — | $132.9M | ||
| Q2 24 | — | $180.3M |
总债务ASICBOW
| Q4 25 | — | $146.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益ASICBOW
| Q4 25 | — | $448.3M | ||
| Q3 25 | $588.6M | $430.2M | ||
| Q2 25 | $559.7M | $407.2M | ||
| Q1 25 | — | $391.0M | ||
| Q3 24 | — | $364.7M | ||
| Q2 24 | — | $339.9M |
总资产ASICBOW
| Q4 25 | — | $2.4B | ||
| Q3 25 | $1.4B | $2.1B | ||
| Q2 25 | $1.4B | $1.9B | ||
| Q1 25 | — | $1.8B | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $1.4B |
负债/权益比ASICBOW
| Q4 25 | — | 0.33× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $60.1M |
| 自由现金流经营现金流 - 资本支出 | — | $58.6M |
| 自由现金流率自由现金流/营收 | — | 38.7% |
| 资本支出强度资本支出/营收 | — | 1.0% |
| 现金转化率经营现金流/净利润 | 1.81× | 4.05× |
| 过去12个月自由现金流最近4个季度 | — | $326.0M |
8季度趋势，按日历期对齐
经营现金流ASICBOW
| Q4 25 | — | $60.1M | ||
| Q3 25 | $41.1M | $114.7M | ||
| Q2 25 | $50.8M | $109.0M | ||
| Q1 25 | — | $47.7M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | — |
自由现金流ASICBOW
| Q4 25 | — | $58.6M | ||
| Q3 25 | — | $113.5M | ||
| Q2 25 | — | $107.4M | ||
| Q1 25 | — | $46.5M | ||
| Q3 24 | — | $118.4M | ||
| Q2 24 | — | — |
自由现金流率ASICBOW
| Q4 25 | — | 38.7% | ||
| Q3 25 | — | 78.8% | ||
| Q2 25 | — | 80.6% | ||
| Q1 25 | — | 37.9% | ||
| Q3 24 | — | 101.4% | ||
| Q2 24 | — | — |
资本支出强度ASICBOW
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 1.0% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | — |
现金转化率ASICBOW
| Q4 25 | — | 4.05× | ||
| Q3 25 | 1.81× | 7.56× | ||
| Q2 25 | 2.88× | 8.83× | ||
| Q1 25 | — | 4.18× | ||
| Q3 24 | — | 9.88× | ||
| Q2 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
