vs
鲍德温（BWIN）与车车集团（CCG）财务数据对比。点击上方公司名可切换其他公司
鲍德温的季度营收约是车车集团的1.8倍（$344.6M vs $188.3M）。车车集团净利率更高（-1.9% vs -7.5%，领先5.6%）
鲍德温钢琴是美国知名钢琴品牌，曾是美国最大的键盘乐器制造商，主打 slogan 为「美国人最喜爱的钢琴」。2001年起成为吉普森品牌旗下子公司，2008年12月停止美国本土生产，将钢琴制造生产线迁至中国。
车车集团是国内领先的汽车数字化服务提供商，主营汽车保险中介服务、智能汽车售后支持、车联网技术产品等业务，服务覆盖个人车主、汽车经销商及保险合作机构，部分业务辐射东南亚市场。
BWIN vs CCG — 直观对比
营收规模更大
BWIN
是对方的1.8倍
$188.3M
净利率更高
CCG
高出5.6%
-7.5%
损益表 — Q4 2025 vs Q2 2025
| 指标 | | |
|---|---|---|
| 营收 | $344.6M | $188.3M |
| 净利润 | $-25.9M | $-3.6M |
| 毛利率 | — | 4.9% |
| 营业利润率 | -3.8% | -2.0% |
| 净利率 | -7.5% | -1.9% |
| 营收同比 | 5.5% | — |
| 净利润同比 | -28.3% | — |
| 每股收益（稀释后） | $-0.38 | — |
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BWINCCG
| Q4 25 | $344.6M | — | ||
| Q3 25 | $362.3M | — | ||
| Q2 25 | $376.2M | $188.3M | ||
| Q1 25 | $410.5M | — | ||
| Q4 24 | $326.7M | — | ||
| Q3 24 | $335.2M | — | ||
| Q2 24 | $337.1M | $261.8M | ||
| Q1 24 | $378.1M | — |
净利润BWINCCG
| Q4 25 | $-25.9M | — | ||
| Q3 25 | $-18.7M | — | ||
| Q2 25 | $-3.2M | $-3.6M | ||
| Q1 25 | $13.9M | — | ||
| Q4 24 | $-20.2M | — | ||
| Q3 24 | $-8.4M | — | ||
| Q2 24 | $-17.6M | $-54.9M | ||
| Q1 24 | $21.6M | — |
毛利率BWINCCG
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 4.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 4.3% | ||
| Q1 24 | — | — |
营业利润率BWINCCG
| Q4 25 | -3.8% | — | ||
| Q3 25 | 0.9% | — | ||
| Q2 25 | 7.4% | -2.0% | ||
| Q1 25 | 13.6% | — | ||
| Q4 24 | -1.7% | — | ||
| Q3 24 | 4.6% | — | ||
| Q2 24 | 4.9% | -4.7% | ||
| Q1 24 | 9.1% | — |
净利率BWINCCG
| Q4 25 | -7.5% | — | ||
| Q3 25 | -5.2% | — | ||
| Q2 25 | -0.8% | -1.9% | ||
| Q1 25 | 3.4% | — | ||
| Q4 24 | -6.2% | — | ||
| Q3 24 | -2.5% | — | ||
| Q2 24 | -5.2% | -21.0% | ||
| Q1 24 | 5.7% | — |
每股收益（稀释后）BWINCCG
| Q4 25 | $-0.38 | — | ||
| Q3 25 | $-0.27 | — | ||
| Q2 25 | $-0.05 | — | ||
| Q1 25 | $0.20 | — | ||
| Q4 24 | $-0.31 | — | ||
| Q3 24 | $-0.13 | — | ||
| Q2 24 | $-0.28 | — | ||
| Q1 24 | $0.33 | — |
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 | $123.7M | $62.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $600.2M | $-391.0M |
| 总资产 | $3.9B | $473.9M |
| 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BWINCCG
| Q4 25 | $123.7M | — | ||
| Q3 25 | $89.7M | — | ||
| Q2 25 | $105.7M | $62.5M | ||
| Q1 25 | $81.8M | — | ||
| Q4 24 | $90.0M | — | ||
| Q3 24 | $181.8M | — | ||
| Q2 24 | $208.3M | $18.7M | ||
| Q1 24 | $112.1M | — |
股东权益BWINCCG
| Q4 25 | $600.2M | — | ||
| Q3 25 | $619.7M | — | ||
| Q2 25 | $630.8M | $-391.0M | ||
| Q1 25 | $619.6M | — | ||
| Q4 24 | $583.2M | — | ||
| Q3 24 | $595.4M | — | ||
| Q2 24 | $590.9M | $-389.8M | ||
| Q1 24 | $597.9M | — |
总资产BWINCCG
| Q4 25 | $3.9B | — | ||
| Q3 25 | $3.8B | — | ||
| Q2 25 | $3.7B | $473.9M | ||
| Q1 25 | $3.5B | — | ||
| Q4 24 | $3.5B | — | ||
| Q3 24 | $3.5B | — | ||
| Q2 24 | $3.7B | $346.0M | ||
| Q1 24 | $3.5B | — |
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 | $10.3M | $-44.7M |
| 自由现金流经营现金流 - 资本支出 | $-84.0K | — |
| 自由现金流率自由现金流/营收 | -0.0% | — |
| 资本支出强度资本支出/营收 | 3.0% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $-68.9M | — |
8季度趋势，按日历期对齐
经营现金流BWINCCG
| Q4 25 | $10.3M | — | ||
| Q3 25 | $41.0M | — | ||
| Q2 25 | $-16.7M | $-44.7M | ||
| Q1 25 | $-64.0M | — | ||
| Q4 24 | $-2.3M | — | ||
| Q3 24 | $32.4M | — | ||
| Q2 24 | $18.3M | $-7.6M | ||
| Q1 24 | $3.0M | — |
自由现金流BWINCCG
| Q4 25 | $-84.0K | — | ||
| Q3 25 | $32.2M | — | ||
| Q2 25 | $-28.1M | — | ||
| Q1 25 | $-72.9M | — | ||
| Q4 24 | $-14.5M | — | ||
| Q3 24 | $22.2M | — | ||
| Q2 24 | $7.8M | — | ||
| Q1 24 | $-5.1M | — |
自由现金流率BWINCCG
| Q4 25 | -0.0% | — | ||
| Q3 25 | 8.9% | — | ||
| Q2 25 | -7.5% | — | ||
| Q1 25 | -17.8% | — | ||
| Q4 24 | -4.4% | — | ||
| Q3 24 | 6.6% | — | ||
| Q2 24 | 2.3% | — | ||
| Q1 24 | -1.4% | — |
资本支出强度BWINCCG
| Q4 25 | 3.0% | — | ||
| Q3 25 | 2.4% | — | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 2.2% | — | ||
| Q4 24 | 3.7% | — | ||
| Q3 24 | 3.0% | — | ||
| Q2 24 | 3.1% | — | ||
| Q1 24 | 2.2% | — |
现金转化率BWINCCG
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | -4.59× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.14× | — |
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
BWIN
| Insurance Advisory Solutions | $157.9M | 46% |
| Underwriting Capacity Technology Solutions | $129.5M | 38% |
| Consultingand Service Fee Revenue | $20.9M | 6% |
| Policy Feeand Installment Fee Revenue | $20.4M | 6% |
| Earned Premium | $6.9M | 2% |
| Other Insurance Product Line | $4.4M | 1% |
CCG
暂无分部数据
