vs
Bowhead Specialty Holdings Inc.（BOW）与旅行者集团（TRV）财务数据对比。点击上方公司名可切换其他公司
旅行者集团的季度营收约是Bowhead Specialty Holdings Inc.的82.0倍（$12.4B vs $151.7M）。旅行者集团净利率更高（20.1% vs 9.8%，领先10.3%）
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。
旅行者集团是美国跨国保险企业，为美国第二大商业财产及意外伤害保险承保商，同时是美国第六大通过独立代理人展业的个人保险提供商。公司注册地为明尼苏达州，总部设于纽约市，最大办事处在康涅狄格州哈特福德，2009年6月8日起成为道琼斯工业平均指数成分股。
BOW vs TRV — 直观对比
营收规模更大
TRV
是对方的82.0倍
$151.7M
净利率更高
TRV
高出10.3%
9.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $151.7M | $12.4B |
| 净利润 | $14.8M | $2.5B |
| 毛利率 | — | — |
| 营业利润率 | 11.7% | 25.0% |
| 净利率 | 9.8% | 20.1% |
| 营收同比 | — | 3.5% |
| 净利润同比 | — | 19.9% |
| 每股收益（稀释后） | $0.44 | $10.96 |
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BOWTRV
| Q4 25 | $151.7M | $12.4B | ||
| Q3 25 | $143.9M | $12.5B | ||
| Q2 25 | $133.3M | $12.1B | ||
| Q1 25 | $122.7M | $11.8B | ||
| Q4 24 | — | $12.0B | ||
| Q3 24 | $116.8M | $11.9B | ||
| Q2 24 | $98.9M | $11.3B | ||
| Q1 24 | — | $11.2B |
净利润BOWTRV
| Q4 25 | $14.8M | $2.5B | ||
| Q3 25 | $15.2M | $1.9B | ||
| Q2 25 | $12.3M | $1.5B | ||
| Q1 25 | $11.4M | $395.0M | ||
| Q4 24 | — | $2.1B | ||
| Q3 24 | $12.1M | $1.3B | ||
| Q2 24 | $5.5M | $534.0M | ||
| Q1 24 | — | $1.1B |
营业利润率BOWTRV
| Q4 25 | 11.7% | 25.0% | ||
| Q3 25 | 13.3% | 18.8% | ||
| Q2 25 | 11.9% | 15.5% | ||
| Q1 25 | 11.8% | 4.0% | ||
| Q4 24 | — | 21.6% | ||
| Q3 24 | 13.5% | 13.1% | ||
| Q2 24 | 7.5% | 5.8% | ||
| Q1 24 | — | 12.2% |
净利率BOWTRV
| Q4 25 | 9.8% | 20.1% | ||
| Q3 25 | 10.5% | 15.1% | ||
| Q2 25 | 9.3% | 12.5% | ||
| Q1 25 | 9.3% | 3.3% | ||
| Q4 24 | — | 17.3% | ||
| Q3 24 | 10.4% | 10.6% | ||
| Q2 24 | 5.6% | 4.7% | ||
| Q1 24 | — | 10.0% |
每股收益（稀释后）BOWTRV
| Q4 25 | $0.44 | $10.96 | ||
| Q3 25 | $0.45 | $8.24 | ||
| Q2 25 | $0.36 | $6.53 | ||
| Q1 25 | $0.34 | $1.70 | ||
| Q4 24 | — | $8.96 | ||
| Q3 24 | $0.36 | $5.42 | ||
| Q2 24 | $0.20 | $2.29 | ||
| Q1 24 | — | $4.80 |
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 | — |
| 股东权益账面价值 | $448.3M | $32.9B |
| 总资产 | $2.4B | $143.7B |
| 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BOWTRV
| 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BOWTRV
| Q4 25 | $146.4M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益BOWTRV
| Q4 25 | $448.3M | $32.9B | ||
| Q3 25 | $430.2M | $31.6B | ||
| Q2 25 | $407.2M | $29.5B | ||
| Q1 25 | $391.0M | $28.2B | ||
| Q4 24 | — | $27.9B | ||
| Q3 24 | $364.7M | $27.7B | ||
| Q2 24 | $339.9M | $24.9B | ||
| Q1 24 | — | $25.0B |
总资产BOWTRV
| Q4 25 | $2.4B | $143.7B | ||
| Q3 25 | $2.1B | $143.7B | ||
| Q2 25 | $1.9B | $138.9B | ||
| Q1 25 | $1.8B | $136.0B | ||
| Q4 24 | — | $133.2B | ||
| Q3 24 | $1.5B | $134.6B | ||
| Q2 24 | $1.4B | $129.3B | ||
| Q1 24 | — | $127.4B |
负债/权益比BOWTRV
| Q4 25 | 0.33× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| 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 | $2.7B |
| 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 | 4.05× | 1.08× |
| 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BOWTRV
| Q4 25 | $60.1M | $2.7B | ||
| Q3 25 | $114.7M | $4.2B | ||
| Q2 25 | $109.0M | $2.3B | ||
| Q1 25 | $47.7M | $1.4B | ||
| Q4 24 | — | $2.1B | ||
| Q3 24 | $119.4M | $3.9B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.5B |
自由现金流BOWTRV
| Q4 25 | $58.6M | — | ||
| Q3 25 | $113.5M | — | ||
| Q2 25 | $107.4M | — | ||
| Q1 25 | $46.5M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $118.4M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率BOWTRV
| Q4 25 | 38.7% | — | ||
| Q3 25 | 78.8% | — | ||
| Q2 25 | 80.6% | — | ||
| Q1 25 | 37.9% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 101.4% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度BOWTRV
| Q4 25 | 1.0% | — | ||
| Q3 25 | 0.9% | — | ||
| Q2 25 | 1.2% | — | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率BOWTRV
| Q4 25 | 4.05× | 1.08× | ||
| Q3 25 | 7.56× | 2.24× | ||
| Q2 25 | 8.83× | 1.55× | ||
| Q1 25 | 4.18× | 3.44× | ||
| Q4 24 | — | 0.99× | ||
| Q3 24 | 9.88× | 3.08× | ||
| Q2 24 | — | 3.14× | ||
| Q1 24 | — | 1.30× |
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
BOW
暂无分部数据
TRV
| Business And International Insurance | $6.6B | 53% |
| Personal Insurance | $4.6B | 37% |
| Bond And Specialty Insurance | $1.2B | 9% |
