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Ategrity Specialty Insurance Co Holdings（ASIC）与Progressive Corporation（PGR）财务数据对比。点击上方公司名可切换其他公司
Progressive Corporation的季度营收约是Ategrity Specialty Insurance Co Holdings的195.9倍（$22.7B vs $116.1M）。Ategrity Specialty Insurance Co Holdings净利率更高（19.5% vs 13.0%，领先6.5%）
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。
美国Progressive Corporation是1937年由杰克·格林与约瑟夫·M·刘易斯联合创立的保险公司，总部位于俄亥俄州梅菲尔德，是美国第二大汽车保险服务商，仅次于州立农业保险。其业务覆盖乘用车、摩托车、房车、船只、商用车等险种，同时通过合作机构提供家财险、寿险、宠物险等多元保险产品。
ASIC vs PGR — 直观对比
营收规模更大
PGR
是对方的195.9倍
$116.1M
净利率更高
ASIC
高出6.5%
13.0%
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $116.1M | $22.7B |
| 净利润 | $22.7M | $3.0B |
| 毛利率 | — | — |
| 营业利润率 | 25.6% | 16.2% |
| 净利率 | 19.5% | 13.0% |
| 营收同比 | — | 12.2% |
| 净利润同比 | — | 25.3% |
| 每股收益（稀释后） | $0.45 | $5.01 |
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ASICPGR
| Q4 25 | — | $22.7B | ||
| Q3 25 | $116.1M | $22.5B | ||
| Q2 25 | $101.8M | $22.0B | ||
| Q1 25 | — | $20.4B | ||
| Q4 24 | — | $20.3B | ||
| Q3 24 | — | $19.7B | ||
| Q2 24 | — | $18.1B | ||
| Q1 24 | — | $17.2B |
净利润ASICPGR
| Q4 25 | — | $3.0B | ||
| Q3 25 | $22.7M | $2.6B | ||
| Q2 25 | $17.6M | $3.2B | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $2.4B | ||
| Q3 24 | — | $2.3B | ||
| Q2 24 | — | $1.5B | ||
| Q1 24 | — | $2.3B |
营业利润率ASICPGR
| Q4 25 | — | 16.2% | ||
| Q3 25 | 25.6% | 14.8% | ||
| Q2 25 | 21.9% | 18.1% | ||
| Q1 25 | — | 15.9% | ||
| Q4 24 | — | 14.6% | ||
| Q3 24 | — | 14.9% | ||
| Q2 24 | — | 10.3% | ||
| Q1 24 | — | 17.1% |
净利率ASICPGR
| Q4 25 | — | 13.0% | ||
| Q3 25 | 19.5% | 11.6% | ||
| Q2 25 | 17.3% | 14.4% | ||
| Q1 25 | — | 12.6% | ||
| Q4 24 | — | 11.6% | ||
| Q3 24 | — | 11.8% | ||
| Q2 24 | — | 8.0% | ||
| Q1 24 | — | 13.5% |
每股收益（稀释后）ASICPGR
| Q4 25 | — | $5.01 | ||
| Q3 25 | $0.45 | $4.45 | ||
| Q2 25 | $0.39 | $5.40 | ||
| Q1 25 | — | $4.37 | ||
| Q4 24 | — | $4.01 | ||
| Q3 24 | — | $3.97 | ||
| Q2 24 | — | $2.48 | ||
| Q1 24 | — | $3.94 |
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 | $10.0B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $588.6M | $30.3B |
| 总资产 | $1.4B | $123.0B |
| 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ASICPGR
| Q4 25 | — | $10.0B | ||
| Q3 25 | $34.3M | $1.5B | ||
| Q2 25 | $23.5M | $2.1B | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $615.0M | ||
| Q3 24 | — | $757.0M | ||
| Q2 24 | — | $733.0M | ||
| Q1 24 | — | $1.3B |
股东权益ASICPGR
| Q4 25 | — | $30.3B | ||
| Q3 25 | $588.6M | $35.4B | ||
| Q2 25 | $559.7M | $32.6B | ||
| Q1 25 | — | $29.0B | ||
| Q4 24 | — | $25.6B | ||
| Q3 24 | — | $27.2B | ||
| Q2 24 | — | $23.3B | ||
| Q1 24 | — | $21.8B |
总资产ASICPGR
| Q4 25 | — | $123.0B | ||
| Q3 25 | $1.4B | $121.5B | ||
| Q2 25 | $1.4B | $115.5B | ||
| Q1 25 | — | $111.4B | ||
| Q4 24 | — | $105.7B | ||
| Q3 24 | — | $105.2B | ||
| Q2 24 | — | $97.9B | ||
| Q1 24 | — | $94.1B |
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 | $3.2B |
| 自由现金流经营现金流 - 资本支出 | — | $3.0B |
| 自由现金流率自由现金流/营收 | — | 13.4% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 现金转化率经营现金流/净利润 | 1.81× | 1.07× |
| 过去12个月自由现金流最近4个季度 | — | $17.2B |
8季度趋势，按日历期对齐
经营现金流ASICPGR
| Q4 25 | — | $3.2B | ||
| Q3 25 | $41.1M | $5.2B | ||
| Q2 25 | $50.8M | $4.0B | ||
| Q1 25 | — | $5.1B | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | — | $4.6B | ||
| Q2 24 | — | $3.3B | ||
| Q1 24 | — | $4.2B |
自由现金流ASICPGR
| Q4 25 | — | $3.0B | ||
| Q3 25 | — | $5.1B | ||
| Q2 25 | — | $3.9B | ||
| Q1 25 | — | $5.1B | ||
| Q4 24 | — | $2.9B | ||
| Q3 24 | — | $4.6B | ||
| Q2 24 | — | $3.2B | ||
| Q1 24 | — | $4.2B |
自由现金流率ASICPGR
| Q4 25 | — | 13.4% | ||
| Q3 25 | — | 22.8% | ||
| Q2 25 | — | 17.9% | ||
| Q1 25 | — | 24.9% | ||
| Q4 24 | — | 14.3% | ||
| Q3 24 | — | 23.1% | ||
| Q2 24 | — | 17.6% | ||
| Q1 24 | — | 24.3% |
资本支出强度ASICPGR
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.3% |
现金转化率ASICPGR
| Q4 25 | — | 1.07× | ||
| Q3 25 | 1.81× | 1.99× | ||
| Q2 25 | 2.88× | 1.27× | ||
| Q1 25 | — | 2.00× | ||
| Q4 24 | — | 1.28× | ||
| Q3 24 | — | 1.97× | ||
| Q2 24 | — | 2.24× | ||
| Q1 24 | — | 1.82× |
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
ASIC
暂无分部数据
PGR
| Other | $11.9B | 52% |
| Commercial Lines Segment | $10.9B | 48% |
| Other Indemnity | $2.0M | 0% |
