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Bowhead Specialty Holdings Inc.（BOW）与CNA FINANCIAL CORP（CNA）财务数据对比。点击上方公司名可切换其他公司
CNA FINANCIAL CORP的季度营收约是Bowhead Specialty Holdings Inc.的2.6倍（$389.0M vs $151.7M）。CNA FINANCIAL CORP净利率更高（77.6% vs 9.8%，领先67.8%）。CNA FINANCIAL CORP自由现金流更多（$542.0M vs $58.6M）
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。
CNA金融公司是总部位于美国伊利诺伊州芝加哥的金融企业，旗下核心子公司大陆意外伤害保险公司成立于1897年，大陆保险公司的历史则可追溯至1853年，当前母公司CNA于1967年正式注册成立，在保险及金融服务领域拥有深厚的行业积淀。
BOW vs CNA — 直观对比
营收规模更大
CNA
是对方的2.6倍
$151.7M
净利率更高
CNA
高出67.8%
9.8%
自由现金流更多
CNA
多$483.4M
$58.6M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $151.7M | $389.0M |
| 净利润 | $14.8M | $302.0M |
| 毛利率 | — | — |
| 营业利润率 | 11.7% | 97.2% |
| 净利率 | 9.8% | 77.6% |
| 营收同比 | — | -2.0% |
| 净利润同比 | — | 1338.1% |
| 每股收益（稀释后） | $0.44 | $1.11 |
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BOWCNA
| Q4 25 | $151.7M | $389.0M | ||
| Q3 25 | $143.9M | $393.0M | ||
| Q2 25 | $133.3M | $398.0M | ||
| Q1 25 | $122.7M | $397.0M | ||
| Q4 24 | — | $397.0M | ||
| Q3 24 | $116.8M | $401.0M | ||
| Q2 24 | $98.9M | $404.0M | ||
| Q1 24 | — | $407.0M |
净利润BOWCNA
| Q4 25 | $14.8M | $302.0M | ||
| Q3 25 | $15.2M | $403.0M | ||
| Q2 25 | $12.3M | $299.0M | ||
| Q1 25 | $11.4M | $274.0M | ||
| Q4 24 | — | $21.0M | ||
| Q3 24 | $12.1M | $283.0M | ||
| Q2 24 | $5.5M | $317.0M | ||
| Q1 24 | — | $338.0M |
营业利润率BOWCNA
| Q4 25 | 11.7% | 97.2% | ||
| Q3 25 | 13.3% | — | ||
| Q2 25 | 11.9% | 95.5% | ||
| Q1 25 | 11.8% | 87.9% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | 13.5% | 90.0% | ||
| Q2 24 | 7.5% | 99.5% | ||
| Q1 24 | — | — |
净利率BOWCNA
| Q4 25 | 9.8% | 77.6% | ||
| Q3 25 | 10.5% | 102.5% | ||
| Q2 25 | 9.3% | 75.1% | ||
| Q1 25 | 9.3% | 69.0% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | 10.4% | 70.6% | ||
| Q2 24 | 5.6% | 78.5% | ||
| Q1 24 | — | 83.0% |
每股收益（稀释后）BOWCNA
| Q4 25 | $0.44 | $1.11 | ||
| Q3 25 | $0.45 | $1.48 | ||
| Q2 25 | $0.36 | $1.10 | ||
| Q1 25 | $0.34 | $1.00 | ||
| Q4 24 | — | $0.07 | ||
| Q3 24 | $0.36 | $1.04 | ||
| Q2 24 | $0.20 | $1.17 | ||
| Q1 24 | — | $1.24 |
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 | $193.5M | — |
| 总债务越低越好 | $146.4M | $3.0B |
| 股东权益账面价值 | $448.3M | $11.6B |
| 总资产 | $2.4B | $69.4B |
| 负债/权益比越低杠杆越低 | 0.33× | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资BOWCNA
| Q4 25 | $193.5M | — | ||
| Q3 25 | $197.9M | — | ||
| Q2 25 | $114.8M | — | ||
| Q1 25 | $88.0M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $132.9M | — | ||
| Q2 24 | $180.3M | — | ||
| Q1 24 | — | — |
总债务BOWCNA
| Q4 25 | $146.4M | $3.0B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益BOWCNA
| Q4 25 | $448.3M | $11.6B | ||
| Q3 25 | $430.2M | $11.3B | ||
| Q2 25 | $407.2M | $10.7B | ||
| Q1 25 | $391.0M | $10.3B | ||
| Q4 24 | — | $10.5B | ||
| Q3 24 | $364.7M | $10.8B | ||
| Q2 24 | $339.9M | $9.9B | ||
| Q1 24 | — | $9.7B |
总资产BOWCNA
| Q4 25 | $2.4B | $69.4B | ||
| Q3 25 | $2.1B | $69.8B | ||
| Q2 25 | $1.9B | $68.9B | ||
| Q1 25 | $1.8B | $67.3B | ||
| Q4 24 | — | $66.5B | ||
| Q3 24 | $1.5B | $67.4B | ||
| Q2 24 | $1.4B | $65.2B | ||
| Q1 24 | — | $65.1B |
负债/权益比BOWCNA
| Q4 25 | 0.33× | 0.26× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $60.1M | $570.0M |
| 自由现金流经营现金流 - 资本支出 | $58.6M | $542.0M |
| 自由现金流率自由现金流/营收 | 38.7% | 139.3% |
| 资本支出强度资本支出/营收 | 1.0% | 7.2% |
| 现金转化率经营现金流/净利润 | 4.05× | 1.89× |
| 过去12个月自由现金流最近4个季度 | $326.0M | $2.4B |
8季度趋势，按日历期对齐
经营现金流BOWCNA
| Q4 25 | $60.1M | $570.0M | ||
| Q3 25 | $114.7M | $720.0M | ||
| Q2 25 | $109.0M | $562.0M | ||
| Q1 25 | $47.7M | $638.0M | ||
| Q4 24 | — | $703.0M | ||
| Q3 24 | $119.4M | $748.0M | ||
| Q2 24 | — | $616.0M | ||
| Q1 24 | — | $504.0M |
自由现金流BOWCNA
| Q4 25 | $58.6M | $542.0M | ||
| Q3 25 | $113.5M | $704.0M | ||
| Q2 25 | $107.4M | $538.0M | ||
| Q1 25 | $46.5M | $620.0M | ||
| Q4 24 | — | $665.0M | ||
| Q3 24 | $118.4M | $730.0M | ||
| Q2 24 | — | $597.0M | ||
| Q1 24 | — | $484.0M |
自由现金流率BOWCNA
| Q4 25 | 38.7% | 139.3% | ||
| Q3 25 | 78.8% | 179.1% | ||
| Q2 25 | 80.6% | 135.2% | ||
| Q1 25 | 37.9% | 156.2% | ||
| Q4 24 | — | 167.5% | ||
| Q3 24 | 101.4% | 182.0% | ||
| Q2 24 | — | 147.8% | ||
| Q1 24 | — | 118.9% |
资本支出强度BOWCNA
| Q4 25 | 1.0% | 7.2% | ||
| Q3 25 | 0.9% | 4.1% | ||
| Q2 25 | 1.2% | 6.0% | ||
| Q1 25 | 1.0% | 4.5% | ||
| Q4 24 | — | 9.6% | ||
| Q3 24 | 0.9% | 4.5% | ||
| Q2 24 | — | 4.7% | ||
| Q1 24 | — | 4.9% |
现金转化率BOWCNA
| Q4 25 | 4.05× | 1.89× | ||
| Q3 25 | 7.56× | 1.79× | ||
| Q2 25 | 8.83× | 1.88× | ||
| Q1 25 | 4.18× | 2.33× | ||
| Q4 24 | — | 33.48× | ||
| Q3 24 | 9.88× | 2.64× | ||
| Q2 24 | — | 1.94× | ||
| Q1 24 | — | 1.49× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
