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Brighthouse Financial, Inc.（BHF）与GENWORTH FINANCIAL INC（GNW）财务数据对比。点击上方公司名可切换其他公司
GENWORTH FINANCIAL INC的季度营收约是Brighthouse Financial, Inc.的1.1倍（$1.8B vs $1.7B）。Brighthouse Financial, Inc.净利率更高（8.1% vs 0.1%，领先8.0%）。Brighthouse Financial, Inc.同比增速更快（40.2% vs 0.1%）。过去两年Brighthouse Financial, Inc.的营收复合增速更高（377.7% vs -2.2%）
Brighthouse Financial是总部位于美国北卡罗来纳州夏洛特的保险公司，核心业务为销售年金和人寿保险产品。截至2018年3月，该公司是美国规模领先的年金和人寿保险提供商之一，总资产达2190亿美元，有效保单及年金合约数量约260万份。
Genworth Financial是总部位于美国弗吉尼亚州里士满的金融服务企业，核心业务涵盖人寿保险、长期护理保险、按揭保险以及年金产品，为客户提供多元风险管理与财富保障解决方案。
BHF vs GNW — 直观对比
营收规模更大
GNW
是对方的1.1倍
$1.7B
营收增速更快
BHF
高出40.1%
0.1%
净利率更高
BHF
高出8.0%
0.1%
两年增速更快
BHF
近两年复合增速
-2.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $1.7B | $1.8B |
| 净利润 | $137.0M | $2.0M |
| 毛利率 | — | — |
| 营业利润率 | 8.9% | 1.0% |
| 净利率 | 8.1% | 0.1% |
| 营收同比 | 40.2% | 0.1% |
| 净利润同比 | -79.6% | 300.0% |
| 每股收益（稀释后） | $1.84 | $0.01 |
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BHFGNW
| Q4 25 | $1.7B | $1.8B | ||
| Q3 25 | $1.8B | $1.9B | ||
| Q2 25 | $871.0M | $1.8B | ||
| Q1 25 | $2.4B | $1.8B | ||
| Q4 24 | $1.2B | $1.8B | ||
| Q3 24 | $2.0B | $1.9B | ||
| Q2 24 | $1.4B | $1.8B | ||
| Q1 24 | $74.0M | $1.9B |
净利润BHFGNW
| Q4 25 | $137.0M | $2.0M | ||
| Q3 25 | $479.0M | $116.0M | ||
| Q2 25 | $85.0M | $51.0M | ||
| Q1 25 | $-268.0M | $54.0M | ||
| Q4 24 | $671.0M | $-1.0M | ||
| Q3 24 | $176.0M | $85.0M | ||
| Q2 24 | $34.0M | $76.0M | ||
| Q1 24 | $-493.0M | $139.0M |
营业利润率BHFGNW
| Q4 25 | 8.9% | 1.0% | ||
| Q3 25 | 32.2% | 8.5% | ||
| Q2 25 | 10.7% | 3.8% | ||
| Q1 25 | -14.8% | 2.9% | ||
| Q4 24 | 69.2% | 3.1% | ||
| Q3 24 | 9.3% | 2.6% | ||
| Q2 24 | 1.0% | 7.1% | ||
| Q1 24 | -829.7% | 4.6% |
净利率BHFGNW
| Q4 25 | 8.1% | 0.1% | ||
| Q3 25 | 26.4% | 6.0% | ||
| Q2 25 | 9.8% | 2.8% | ||
| Q1 25 | -11.2% | 3.0% | ||
| Q4 24 | 55.7% | -0.1% | ||
| Q3 24 | 8.7% | 4.5% | ||
| Q2 24 | 2.4% | 4.3% | ||
| Q1 24 | -666.2% | 7.5% |
每股收益（稀释后）BHFGNW
| Q4 25 | $1.84 | $0.01 | ||
| Q3 25 | $7.89 | $0.28 | ||
| Q2 25 | $1.02 | $0.12 | ||
| Q1 25 | $-5.04 | $0.13 | ||
| Q4 24 | $10.27 | $0.01 | ||
| Q3 24 | $2.47 | $0.19 | ||
| Q2 24 | $0.12 | $0.17 | ||
| Q1 24 | $-8.22 | $0.31 |
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 | — | — |
| 总债务越低越好 | $3.2B | $1.5B |
| 股东权益账面价值 | $6.8B | $8.8B |
| 总资产 | $241.8B | $88.1B |
| 负债/权益比越低杠杆越低 | 0.47× | 0.17× |
8季度趋势，按日历期对齐
现金及短期投资BHFGNW
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.9B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.3B | — |
总债务BHFGNW
| Q4 25 | $3.2B | $1.5B | ||
| Q3 25 | $3.2B | $1.5B | ||
| Q2 25 | $3.2B | $1.5B | ||
| Q1 25 | $3.2B | $1.5B | ||
| Q4 24 | $3.2B | $1.5B | ||
| Q3 24 | $3.2B | $1.5B | ||
| Q2 24 | $3.2B | $1.6B | ||
| Q1 24 | $3.2B | $1.6B |
股东权益BHFGNW
| Q4 25 | $6.8B | $8.8B | ||
| Q3 25 | $6.4B | $8.8B | ||
| Q2 25 | $5.7B | $8.8B | ||
| Q1 25 | $5.2B | $8.7B | ||
| Q4 24 | $5.0B | $8.5B | ||
| Q3 24 | $5.5B | $8.3B | ||
| Q2 24 | $4.1B | $8.5B | ||
| Q1 24 | $4.2B | $8.0B |
总资产BHFGNW
| Q4 25 | $241.8B | $88.1B | ||
| Q3 25 | $244.7B | $88.5B | ||
| Q2 25 | $242.6B | $87.3B | ||
| Q1 25 | $234.7B | $87.3B | ||
| Q4 24 | $238.5B | $86.9B | ||
| Q3 24 | $245.2B | $90.8B | ||
| Q2 24 | $237.4B | $87.5B | ||
| Q1 24 | $239.7B | $89.2B |
负债/权益比BHFGNW
| Q4 25 | 0.47× | 0.17× | ||
| Q3 25 | 0.50× | 0.17× | ||
| Q2 25 | 0.56× | 0.17× | ||
| Q1 25 | 0.60× | 0.17× | ||
| Q4 24 | 0.64× | 0.18× | ||
| Q3 24 | 0.57× | 0.19× | ||
| Q2 24 | 0.76× | 0.18× | ||
| Q1 24 | 0.75× | 0.20× |
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 | $-3.0M | $200.0M |
| 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 | -0.02× | 100.00× |
| 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BHFGNW
| Q4 25 | $-3.0M | $200.0M | ||
| Q3 25 | $117.0M | $87.0M | ||
| Q2 25 | $-1.0M | $6.0M | ||
| Q1 25 | $146.0M | $34.0M | ||
| Q4 24 | $-118.0M | $27.0M | ||
| Q3 24 | $24.0M | $161.0M | ||
| Q2 24 | $334.0M | $7.0M | ||
| Q1 24 | $-530.0M | $-107.0M |
现金转化率BHFGNW
| Q4 25 | -0.02× | 100.00× | ||
| Q3 25 | 0.24× | 0.75× | ||
| Q2 25 | -0.01× | 0.12× | ||
| Q1 25 | — | 0.63× | ||
| Q4 24 | -0.18× | — | ||
| Q3 24 | 0.14× | 1.89× | ||
| Q2 24 | 9.82× | 0.09× | ||
| Q1 24 | — | -0.77× |
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
BHF
| Annuities | $926.0M | 55% |
| Runoff | $319.0M | 19% |
| Life | $298.0M | 18% |
| Other | $78.0M | 5% |
| Distribution Service | $66.0M | 4% |
| Accident And Health Insurance Segment | $2.0M | 0% |
GNW
| Enact Segment | $1.3B | 70% |
| Other | $386.0M | 22% |
| Annuities | $106.0M | 6% |
| Utilities | $20.0M | 1% |
| Consumer Cyclical | $17.0M | 1% |
| Energy | $4.0M | 0% |
