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Brighthouse Financial, Inc.（BHF）与RYDER SYSTEM INC（R）财务数据对比。点击上方公司名可切换其他公司
RYDER SYSTEM INC的季度营收约是Brighthouse Financial, Inc.的1.9倍（$3.1B vs $1.7B），Brighthouse Financial, Inc.净利率更高（8.1% vs 3.0%，领先5.1%），Brighthouse Financial, Inc.同比增速更快（40.2% vs 1.0%），过去两年Brighthouse Financial, Inc.的营收复合增速更高（9.8% vs -0.9%）
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。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
BHF vs R — 直观对比
营收规模更大
R
是对方的1.9倍
$1.7B
营收增速更快
BHF
高出39.2%
1.0%
净利率更高
BHF
高出5.1%
3.0%
两年增速更快
BHF
近两年复合增速
-0.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.7B | $3.1B |
| 净利润 | $137.0M | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | 8.9% | — |
| 净利率 | 8.1% | 3.0% |
| 营收同比 | 40.2% | 1.0% |
| 净利润同比 | -79.6% | -5.1% |
| 每股收益（稀释后） | $1.84 | $2.34 |
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BHFR
| Q1 26 | — | $3.1B | ||
| Q4 25 | $1.7B | $3.2B | ||
| Q3 25 | $1.8B | $3.2B | ||
| Q2 25 | $871.0M | $3.2B | ||
| Q1 25 | $2.4B | $3.1B | ||
| Q4 24 | $1.2B | $3.2B | ||
| Q3 24 | $2.0B | $3.2B | ||
| Q2 24 | $1.4B | $3.2B |
净利润BHFR
| Q1 26 | — | $93.0M | ||
| Q4 25 | $137.0M | $132.0M | ||
| Q3 25 | $479.0M | $138.0M | ||
| Q2 25 | $85.0M | $131.0M | ||
| Q1 25 | $-268.0M | $98.0M | ||
| Q4 24 | $671.0M | $135.0M | ||
| Q3 24 | $176.0M | $142.0M | ||
| Q2 24 | $34.0M | $127.0M |
营业利润率BHFR
| Q1 26 | — | — | ||
| Q4 25 | 8.9% | 5.6% | ||
| Q3 25 | 32.2% | 6.0% | ||
| Q2 25 | 10.7% | 5.8% | ||
| Q1 25 | -14.8% | 4.3% | ||
| Q4 24 | 69.2% | 5.7% | ||
| Q3 24 | 9.3% | 5.9% | ||
| Q2 24 | 1.0% | 5.6% |
净利率BHFR
| Q1 26 | — | 3.0% | ||
| Q4 25 | 8.1% | 4.2% | ||
| Q3 25 | 26.4% | 4.4% | ||
| Q2 25 | 9.8% | 4.1% | ||
| Q1 25 | -11.2% | 3.1% | ||
| Q4 24 | 55.7% | 4.2% | ||
| Q3 24 | 8.7% | 4.5% | ||
| Q2 24 | 2.4% | 4.0% |
每股收益（稀释后）BHFR
| Q1 26 | — | $2.34 | ||
| Q4 25 | $1.84 | $3.22 | ||
| Q3 25 | $7.89 | $3.32 | ||
| Q2 25 | $1.02 | $3.13 | ||
| Q1 25 | $-5.04 | $2.27 | ||
| Q4 24 | $10.27 | $3.09 | ||
| Q3 24 | $2.47 | $3.24 | ||
| Q2 24 | $0.12 | $2.84 |
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 | — | $182.0M |
| 总债务越低越好 | $3.2B | — |
| 股东权益账面价值 | $6.8B | $2.9B |
| 总资产 | $241.8B | — |
| 负债/权益比越低杠杆越低 | 0.47× | — |
8季度趋势，按日历期对齐
现金及短期投资BHFR
| Q1 26 | — | $182.0M | ||
| Q4 25 | — | $198.0M | ||
| Q3 25 | — | $189.0M | ||
| Q2 25 | — | $180.0M | ||
| Q1 25 | — | $151.0M | ||
| Q4 24 | $1.9B | $154.0M | ||
| Q3 24 | $1.8B | $162.0M | ||
| Q2 24 | $1.4B | $164.0M |
总债务BHFR
| Q1 26 | — | — | ||
| Q4 25 | $3.2B | $6.8B | ||
| Q3 25 | $3.2B | $7.3B | ||
| Q2 25 | $3.2B | $7.0B | ||
| Q1 25 | $3.2B | $6.7B | ||
| Q4 24 | $3.2B | $6.7B | ||
| Q3 24 | $3.2B | $6.6B | ||
| Q2 24 | $3.2B | $6.5B |
股东权益BHFR
| Q1 26 | — | $2.9B | ||
| Q4 25 | $6.8B | $3.1B | ||
| Q3 25 | $6.4B | $3.1B | ||
| Q2 25 | $5.7B | $3.1B | ||
| Q1 25 | $5.2B | $3.0B | ||
| Q4 24 | $5.0B | $3.1B | ||
| Q3 24 | $5.5B | $3.1B | ||
| Q2 24 | $4.1B | $3.1B |
总资产BHFR
| Q1 26 | — | — | ||
| Q4 25 | $241.8B | $16.4B | ||
| Q3 25 | $244.7B | $16.5B | ||
| Q2 25 | $242.6B | $16.5B | ||
| Q1 25 | $234.7B | $16.4B | ||
| Q4 24 | $238.5B | $16.7B | ||
| Q3 24 | $245.2B | $16.5B | ||
| Q2 24 | $237.4B | $16.4B |
负债/权益比BHFR
| Q1 26 | — | — | ||
| Q4 25 | 0.47× | 2.24× | ||
| Q3 25 | 0.50× | 2.35× | ||
| Q2 25 | 0.56× | 2.27× | ||
| Q1 25 | 0.60× | 2.21× | ||
| Q4 24 | 0.64× | 2.14× | ||
| Q3 24 | 0.57× | 2.17× | ||
| Q2 24 | 0.76× | 2.09× |
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 | $583.0M |
| 自由现金流经营现金流 - 资本支出 | — | $273.0M |
| 自由现金流率自由现金流/营收 | — | 8.7% |
| 资本支出强度资本支出/营收 | — | 13.7% |
| 现金转化率经营现金流/净利润 | -0.02× | 6.27× |
| 过去12个月自由现金流最近4个季度 | — | $595.0M |
8季度趋势，按日历期对齐
经营现金流BHFR
| Q1 26 | — | $583.0M | ||
| Q4 25 | $-3.0M | $749.0M | ||
| Q3 25 | $117.0M | $442.0M | ||
| Q2 25 | $-1.0M | $752.0M | ||
| Q1 25 | $146.0M | $651.0M | ||
| Q4 24 | $-118.0M | $558.0M | ||
| Q3 24 | $24.0M | $629.0M | ||
| Q2 24 | $334.0M | $552.0M |
自由现金流BHFR
| Q1 26 | — | $273.0M | ||
| Q4 25 | — | $344.0M | ||
| Q3 25 | — | $-85.0M | ||
| Q2 25 | — | $63.0M | ||
| Q1 25 | — | $137.0M | ||
| Q4 24 | — | $-201.0M | ||
| Q3 24 | — | $30.0M | ||
| Q2 24 | — | $-87.0M |
自由现金流率BHFR
| Q1 26 | — | 8.7% | ||
| Q4 25 | — | 10.8% | ||
| Q3 25 | — | -2.7% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 4.4% | ||
| Q4 24 | — | -6.3% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | -2.7% |
资本支出强度BHFR
| Q1 26 | — | 13.7% | ||
| Q4 25 | — | 12.8% | ||
| Q3 25 | — | 16.6% | ||
| Q2 25 | — | 21.6% | ||
| Q1 25 | — | 16.4% | ||
| Q4 24 | — | 23.8% | ||
| Q3 24 | — | 18.9% | ||
| Q2 24 | — | 20.1% |
现金转化率BHFR
| Q1 26 | — | 6.27× | ||
| Q4 25 | -0.02× | 5.67× | ||
| Q3 25 | 0.24× | 3.20× | ||
| Q2 25 | -0.01× | 5.74× | ||
| Q1 25 | — | 6.64× | ||
| Q4 24 | -0.18× | 4.13× | ||
| Q3 24 | 0.14× | 4.43× | ||
| Q2 24 | 9.82× | 4.35× |
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% |
R
| Fleet Management Solutions | $1.5B | 47% |
| ChoiceLease | $878.0M | 28% |
| Dedicated Transportation Solutions | $553.0M | 18% |
| Commercial rental | $211.0M | 7% |
