vs
安达（CB）与高盛（GS）财务数据对比。点击上方公司名可切换其他公司
安达的季度营收约是高盛的1.1倍（$15.1B vs $13.5B），高盛净利率更高（34.3% vs 21.3%，领先13.0%）
安达是注册地位于苏黎世的跨国保险集团，在纽约证券交易所上市，为标普500指数成分股。作为全球最大的上市财产及意外伤害保险公司，其业务涵盖财产险、意外险、健康险、再保险、寿险等领域，在全球55个国家和地区及伦敦劳合社市场运营。
高盛集团是美国跨国投资银行及金融服务提供商，创立于1869年，总部位于纽约市曼哈顿下城，在全球多个国际金融中心设有区域总部。按营收计算，高盛是全球规模最大的投资银行之一，位列美国《财富》500强总营收榜单第55位。
CB vs GS — 直观对比
营收规模更大
CB
是对方的1.1倍
$13.5B
净利率更高
GS
高出13.0%
21.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $15.1B | $13.5B |
| 净利润 | $3.2B | $4.6B |
| 毛利率 | — | — |
| 营业利润率 | 25.0% | 43.5% |
| 净利率 | 21.3% | 34.3% |
| 营收同比 | 6.3% | — |
| 净利润同比 | 24.7% | — |
| 每股收益（稀释后） | $8.05 | $14.04 |
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CBGS
| Q4 25 | $15.1B | $13.5B | ||
| Q3 25 | $16.1B | $15.2B | ||
| Q2 25 | $14.8B | $14.6B | ||
| Q1 25 | $13.4B | $15.1B | ||
| Q4 24 | $14.2B | — | ||
| Q3 24 | $14.8B | $12.7B | ||
| Q2 24 | $13.8B | $12.7B | ||
| Q1 24 | $12.9B | $14.2B |
净利润CBGS
| Q4 25 | $3.2B | $4.6B | ||
| Q3 25 | $2.8B | $4.1B | ||
| Q2 25 | $3.0B | $3.7B | ||
| Q1 25 | $1.3B | $4.7B | ||
| Q4 24 | $2.6B | — | ||
| Q3 24 | $2.3B | $3.0B | ||
| Q2 24 | $2.2B | $3.0B | ||
| Q1 24 | $2.1B | $4.1B |
营业利润率CBGS
| Q4 25 | 25.0% | 43.5% | ||
| Q3 25 | 24.1% | 35.5% | ||
| Q2 25 | 25.0% | 34.0% | ||
| Q1 25 | 12.5% | 37.5% | ||
| Q4 24 | 22.0% | — | ||
| Q3 24 | 20.2% | 31.4% | ||
| Q2 24 | 19.6% | 30.8% | ||
| Q1 24 | 20.4% | 36.8% |
净利率CBGS
| Q4 25 | 21.3% | 34.3% | ||
| Q3 25 | 17.3% | 27.0% | ||
| Q2 25 | 20.0% | 25.5% | ||
| Q1 25 | 10.0% | 31.5% | ||
| Q4 24 | 18.2% | — | ||
| Q3 24 | 15.7% | 23.5% | ||
| Q2 24 | 16.1% | 23.9% | ||
| Q1 24 | 16.6% | 29.1% |
每股收益（稀释后）CBGS
| Q4 25 | $8.05 | $14.04 | ||
| Q3 25 | $6.99 | $12.25 | ||
| Q2 25 | $7.35 | $10.91 | ||
| Q1 25 | $3.29 | $14.12 | ||
| Q4 24 | $6.31 | — | ||
| Q3 24 | $5.70 | $8.40 | ||
| Q2 24 | $5.46 | $8.62 | ||
| Q1 24 | $5.23 | $11.58 |
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 | — | $164.3B |
| 总债务越低越好 | $15.7B | — |
| 股东权益账面价值 | $73.8B | $125.0B |
| 总资产 | $272.3B | $1809.3B |
| 负债/权益比越低杠杆越低 | 0.21× | — |
8季度趋势，按日历期对齐
现金及短期投资CBGS
| Q4 25 | — | $164.3B | ||
| Q3 25 | — | $169.6B | ||
| Q2 25 | — | $153.0B | ||
| Q1 25 | — | $167.4B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $154.7B | ||
| Q2 24 | — | $206.3B | ||
| Q1 24 | — | $209.4B |
总债务CBGS
| Q4 25 | $15.7B | — | ||
| Q3 25 | $15.7B | — | ||
| Q2 25 | $13.5B | — | ||
| Q1 25 | $14.5B | — | ||
| Q4 24 | $14.4B | — | ||
| Q3 24 | $14.6B | — | ||
| Q2 24 | $13.2B | — | ||
| Q1 24 | $13.2B | — |
股东权益CBGS
| Q4 25 | $73.8B | $125.0B | ||
| Q3 25 | $71.9B | $124.4B | ||
| Q2 25 | $69.4B | $124.1B | ||
| Q1 25 | $65.7B | $124.3B | ||
| Q4 24 | $64.0B | — | ||
| Q3 24 | $65.8B | $121.2B | ||
| Q2 24 | $61.0B | $119.5B | ||
| Q1 24 | $60.5B | $118.5B |
总资产CBGS
| Q4 25 | $272.3B | $1809.3B | ||
| Q3 25 | $270.2B | $1808.0B | ||
| Q2 25 | $261.6B | $1785.0B | ||
| Q1 25 | $251.8B | $1766.2B | ||
| Q4 24 | $246.5B | — | ||
| Q3 24 | $250.6B | $1728.1B | ||
| Q2 24 | $238.6B | $1653.3B | ||
| Q1 24 | $234.9B | $1698.4B |
负债/权益比CBGS
| Q4 25 | 0.21× | — | ||
| Q3 25 | 0.22× | — | ||
| Q2 25 | 0.19× | — | ||
| Q1 25 | 0.22× | — | ||
| Q4 24 | 0.22× | — | ||
| Q3 24 | 0.22× | — | ||
| Q2 24 | 0.22× | — | ||
| Q1 24 | 0.22× | — |
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 | $4.1B | $-16.3B |
| 自由现金流经营现金流 - 资本支出 | — | $-16.8B |
| 自由现金流率自由现金流/营收 | — | -124.9% |
| 资本支出强度资本支出/营收 | — | 3.9% |
| 现金转化率经营现金流/净利润 | 1.26× | -3.53× |
| 过去12个月自由现金流最近4个季度 | — | $-47.2B |
8季度趋势，按日历期对齐
经营现金流CBGS
| Q4 25 | $4.1B | $-16.3B | ||
| Q3 25 | $3.6B | $2.7B | ||
| Q2 25 | $3.6B | $5.7B | ||
| Q1 25 | $1.6B | $-37.2B | ||
| Q4 24 | $4.6B | — | ||
| Q3 24 | $4.3B | — | ||
| Q2 24 | $4.1B | — | ||
| Q1 24 | $3.2B | $-28.0B |
自由现金流CBGS
| Q4 25 | — | $-16.8B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | — | $5.2B | ||
| Q1 25 | — | $-37.7B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $-28.5B |
自由现金流率CBGS
| Q4 25 | — | -124.9% | ||
| Q3 25 | — | 14.0% | ||
| Q2 25 | — | 35.6% | ||
| Q1 25 | — | -250.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -200.8% |
资本支出强度CBGS
| Q4 25 | — | 3.9% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | 3.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 3.5% |
现金转化率CBGS
| Q4 25 | 1.26× | -3.53× | ||
| Q3 25 | 1.30× | 0.65× | ||
| Q2 25 | 1.20× | 1.52× | ||
| Q1 25 | 1.18× | -7.86× | ||
| Q4 24 | 1.77× | — | ||
| Q3 24 | 1.86× | — | ||
| Q2 24 | 1.83× | — | ||
| Q1 24 | 1.50× | -6.79× |
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
CB
暂无分部数据
GS
| Global Banking And Markets | $10.5B | 78% |
| Other | $2.9B | 22% |
