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鲍德温（BWIN）与Neptune Insurance Holdings Inc.（NP）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Neptune Insurance Holdings Inc.的9.1倍（$344.6M vs $37.8M）。Neptune Insurance Holdings Inc.净利率更高（0.1% vs -7.5%，领先7.6%）。Neptune Insurance Holdings Inc.同比增速更快（28.8% vs 5.5%）
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。
海王星保险控股有限公司是一家专业保险控股企业，主要经营财产及意外伤害保险业务，核心产品覆盖美国市场的住宅与商业洪水保险，服务个人消费者及中小型商业客户，依托数据分析实现精准定价和高效风险管理。
BWIN vs NP — 直观对比
营收规模更大
BWIN
是对方的9.1倍
$37.8M
营收增速更快
NP
高出23.3%
5.5%
净利率更高
NP
高出7.6%
-7.5%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $344.6M | $37.8M |
| 净利润 | $-25.9M | $50.0K |
| 毛利率 | — | — |
| 营业利润率 | -3.8% | — |
| 净利率 | -7.5% | 0.1% |
| 营收同比 | 5.5% | 28.8% |
| 净利润同比 | -28.3% | 0.0% |
| 每股收益（稀释后） | $-0.38 | $0.05 |
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BWINNP
| Q1 26 | — | $37.8M | ||
| Q4 25 | $344.6M | — | ||
| Q3 25 | $362.3M | $44.4M | ||
| Q2 25 | $376.2M | — | ||
| Q1 25 | $410.5M | — | ||
| Q4 24 | $326.7M | — | ||
| Q3 24 | $335.2M | $33.8M | ||
| Q2 24 | $337.1M | — |
净利润BWINNP
| Q1 26 | — | $50.0K | ||
| Q4 25 | $-25.9M | — | ||
| Q3 25 | $-18.7M | $11.5M | ||
| Q2 25 | $-3.2M | — | ||
| Q1 25 | $13.9M | — | ||
| Q4 24 | $-20.2M | — | ||
| Q3 24 | $-8.4M | $12.1M | ||
| Q2 24 | $-17.6M | — |
营业利润率BWINNP
| Q1 26 | — | — | ||
| Q4 25 | -3.8% | — | ||
| Q3 25 | 0.9% | 46.7% | ||
| Q2 25 | 7.4% | — | ||
| Q1 25 | 13.6% | — | ||
| Q4 24 | -1.7% | — | ||
| Q3 24 | 4.6% | 58.6% | ||
| Q2 24 | 4.9% | — |
净利率BWINNP
| Q1 26 | — | 0.1% | ||
| Q4 25 | -7.5% | — | ||
| Q3 25 | -5.2% | 25.9% | ||
| Q2 25 | -0.8% | — | ||
| Q1 25 | 3.4% | — | ||
| Q4 24 | -6.2% | — | ||
| Q3 24 | -2.5% | 35.8% | ||
| Q2 24 | -5.2% | — |
每股收益（稀释后）BWINNP
| Q1 26 | — | $0.05 | ||
| Q4 25 | $-0.38 | — | ||
| Q3 25 | $-0.27 | $0.06 | ||
| Q2 25 | $-0.05 | — | ||
| Q1 25 | $0.20 | — | ||
| Q4 24 | $-0.31 | — | ||
| Q3 24 | $-0.13 | $0.06 | ||
| Q2 24 | $-0.28 | — |
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 | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $600.2M | — |
| 总资产 | $3.9B | — |
| 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BWINNP
| Q1 26 | — | — | ||
| Q4 25 | $123.7M | — | ||
| Q3 25 | $89.7M | $12.2M | ||
| Q2 25 | $105.7M | — | ||
| Q1 25 | $81.8M | — | ||
| Q4 24 | $90.0M | — | ||
| Q3 24 | $181.8M | — | ||
| Q2 24 | $208.3M | — |
总债务BWINNP
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $247.6M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益BWINNP
| Q1 26 | — | — | ||
| Q4 25 | $600.2M | — | ||
| Q3 25 | $619.7M | $-509.5M | ||
| Q2 25 | $630.8M | — | ||
| Q1 25 | $619.6M | — | ||
| Q4 24 | $583.2M | — | ||
| Q3 24 | $595.4M | $-374.3M | ||
| Q2 24 | $590.9M | — |
总资产BWINNP
| Q1 26 | — | — | ||
| Q4 25 | $3.9B | — | ||
| Q3 25 | $3.8B | $89.6M | ||
| Q2 25 | $3.7B | — | ||
| Q1 25 | $3.5B | — | ||
| Q4 24 | $3.5B | — | ||
| Q3 24 | $3.5B | — | ||
| Q2 24 | $3.7B | — |
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 | — |
| 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BWINNP
| Q1 26 | — | — | ||
| Q4 25 | $10.3M | — | ||
| Q3 25 | $41.0M | — | ||
| Q2 25 | $-16.7M | — | ||
| Q1 25 | $-64.0M | — | ||
| Q4 24 | $-2.3M | — | ||
| Q3 24 | $32.4M | — | ||
| Q2 24 | $18.3M | — |
自由现金流BWINNP
| Q1 26 | — | — | ||
| 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 | — |
自由现金流率BWINNP
| Q1 26 | — | — | ||
| 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% | — |
资本支出强度BWINNP
| Q1 26 | — | — | ||
| 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% | — |
现金转化率BWINNP
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | -4.59× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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% |
NP
暂无分部数据
