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Compass, Inc.（COMP）与Unum Group（UNM）财务数据对比。点击上方公司名可切换其他公司
Unum Group的季度营收约是Compass, Inc.的1.9倍（$3.2B vs $1.7B），Unum Group净利率更高（5.4% vs -2.5%，领先7.9%），Compass, Inc.同比增速更快（23.1% vs 0.2%），Unum Group自由现金流更多（$320.1M vs $42.2M），过去两年Compass, Inc.的营收复合增速更高（27.0% vs 0.7%）
Compass, Inc.是美国主营住宅房产经纪业务的企业，其平台旗下有约3.3万名经纪人，大多为独立合同工，运营Compass、21世纪不动产、科威国际不动产、苏富比国际地产、佳士得国际地产等多个知名房产经纪品牌。
Unum Group是美国财富500强保险企业，总部位于田纳西州查塔努加，前身为1848年成立的联合相互保险公司，1999年合并后曾用名UnumProvident至2007年。集团现设四大业务板块，覆盖美、英、波兰市场，旗下承保主体包括保罗里维尔人寿保险、普罗维登斯人伤意外险公司等。
COMP vs UNM — 直观对比
营收规模更大
UNM
是对方的1.9倍
$1.7B
营收增速更快
COMP
高出22.9%
0.2%
净利率更高
UNM
高出7.9%
-2.5%
自由现金流更多
UNM
多$277.9M
$42.2M
两年增速更快
COMP
近两年复合增速
0.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.7B | $3.2B |
| 净利润 | $-42.6M | $174.1M |
| 毛利率 | — | — |
| 营业利润率 | -2.5% | 6.7% |
| 净利率 | -2.5% | 5.4% |
| 营收同比 | 23.1% | 0.2% |
| 净利润同比 | -5.2% | -50.1% |
| 每股收益（稀释后） | $-0.07 | $1.06 |
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COMPUNM
| Q4 25 | $1.7B | $3.2B | ||
| Q3 25 | $1.8B | $3.4B | ||
| Q2 25 | $2.1B | $3.4B | ||
| Q1 25 | $1.4B | $3.1B | ||
| Q4 24 | $1.4B | $3.2B | ||
| Q3 24 | $1.5B | $3.2B | ||
| Q2 24 | $1.7B | $3.2B | ||
| Q1 24 | $1.1B | $3.2B |
净利润COMPUNM
| Q4 25 | $-42.6M | $174.1M | ||
| Q3 25 | $-4.6M | $39.7M | ||
| Q2 25 | $39.4M | $335.6M | ||
| Q1 25 | $-50.7M | $189.1M | ||
| Q4 24 | $-40.5M | $348.7M | ||
| Q3 24 | $-1.7M | $645.7M | ||
| Q2 24 | $20.7M | $389.5M | ||
| Q1 24 | $-132.9M | $395.2M |
营业利润率COMPUNM
| Q4 25 | -2.5% | 6.7% | ||
| Q3 25 | -0.4% | 1.6% | ||
| Q2 25 | 1.9% | 12.4% | ||
| Q1 25 | -4.0% | 7.9% | ||
| Q4 24 | -2.9% | 13.8% | ||
| Q3 24 | -0.2% | 15.6% | ||
| Q2 24 | 1.3% | 15.3% | ||
| Q1 24 | -12.5% | 15.5% |
净利率COMPUNM
| Q4 25 | -2.5% | 5.4% | ||
| Q3 25 | -0.2% | 1.2% | ||
| Q2 25 | 1.9% | 10.0% | ||
| Q1 25 | -3.7% | 6.1% | ||
| Q4 24 | -2.9% | 10.8% | ||
| Q3 24 | -0.1% | 20.1% | ||
| Q2 24 | 1.2% | 12.0% | ||
| Q1 24 | -12.6% | 12.3% |
每股收益（稀释后）COMPUNM
| Q4 25 | $-0.07 | $1.06 | ||
| Q3 25 | $-0.01 | $0.23 | ||
| Q2 25 | $0.07 | $1.92 | ||
| Q1 25 | $-0.09 | $1.06 | ||
| Q4 24 | $-0.08 | $1.91 | ||
| Q3 24 | $0.00 | $3.46 | ||
| Q2 24 | $0.04 | $2.05 | ||
| Q1 24 | $-0.27 | $2.04 |
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 | $199.0M | — |
| 总债务越低越好 | — | $3.8B |
| 股东权益账面价值 | $782.0M | $11.1B |
| 总资产 | $1.5B | $63.5B |
| 负债/权益比越低杠杆越低 | — | 0.34× |
8季度趋势，按日历期对齐
现金及短期投资COMPUNM
| Q4 25 | $199.0M | — | ||
| Q3 25 | $170.3M | — | ||
| Q2 25 | $177.3M | — | ||
| Q1 25 | $127.0M | — | ||
| Q4 24 | $223.8M | — | ||
| Q3 24 | $211.2M | — | ||
| Q2 24 | $185.8M | — | ||
| Q1 24 | $165.9M | — |
总债务COMPUNM
| Q4 25 | — | $3.8B | ||
| Q3 25 | — | $3.5B | ||
| Q2 25 | — | $3.5B | ||
| Q1 25 | — | $3.5B | ||
| Q4 24 | — | $3.5B | ||
| Q3 24 | — | $3.5B | ||
| Q2 24 | — | $3.5B | ||
| Q1 24 | — | $3.4B |
股东权益COMPUNM
| Q4 25 | $782.0M | $11.1B | ||
| Q3 25 | $773.3M | $10.9B | ||
| Q2 25 | $719.9M | $11.3B | ||
| Q1 25 | $635.0M | $11.2B | ||
| Q4 24 | $409.4M | $11.0B | ||
| Q3 24 | $428.0M | $11.0B | ||
| Q2 24 | $398.4M | $10.5B | ||
| Q1 24 | $330.3M | $10.2B |
总资产COMPUNM
| Q4 25 | $1.5B | $63.5B | ||
| Q3 25 | $1.6B | $63.7B | ||
| Q2 25 | $1.6B | $62.8B | ||
| Q1 25 | $1.5B | $62.5B | ||
| Q4 24 | $1.2B | $62.0B | ||
| Q3 24 | $1.2B | $64.1B | ||
| Q2 24 | $1.2B | $62.0B | ||
| Q1 24 | $1.1B | $62.5B |
负债/权益比COMPUNM
| Q4 25 | — | 0.34× | ||
| Q3 25 | — | 0.32× | ||
| Q2 25 | — | 0.31× | ||
| Q1 25 | — | 0.31× | ||
| Q4 24 | — | 0.32× | ||
| Q3 24 | — | 0.32× | ||
| Q2 24 | — | 0.33× | ||
| Q1 24 | — | 0.34× |
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 | $45.3M | $357.9M |
| 自由现金流经营现金流 - 资本支出 | $42.2M | $320.1M |
| 自由现金流率自由现金流/营收 | 2.5% | 9.9% |
| 资本支出强度资本支出/营收 | 0.2% | 1.2% |
| 现金转化率经营现金流/净利润 | — | 2.06× |
| 过去12个月自由现金流最近4个季度 | $203.3M | $555.4M |
8季度趋势，按日历期对齐
经营现金流COMPUNM
| Q4 25 | $45.3M | $357.9M | ||
| Q3 25 | $75.5M | $-371.8M | ||
| Q2 25 | $72.8M | $348.0M | ||
| Q1 25 | $23.1M | $353.6M | ||
| Q4 24 | $30.5M | $485.8M | ||
| Q3 24 | $37.4M | $390.0M | ||
| Q2 24 | $45.0M | $339.1M | ||
| Q1 24 | $8.6M | $298.3M |
自由现金流COMPUNM
| Q4 25 | $42.2M | $320.1M | ||
| Q3 25 | $73.6M | $-402.6M | ||
| Q2 25 | $68.0M | $320.1M | ||
| Q1 25 | $19.5M | $317.8M | ||
| Q4 24 | $26.7M | $453.8M | ||
| Q3 24 | $32.8M | $352.3M | ||
| Q2 24 | $40.4M | $311.4M | ||
| Q1 24 | $5.9M | $270.0M |
自由现金流率COMPUNM
| Q4 25 | 2.5% | 9.9% | ||
| Q3 25 | 4.0% | -11.9% | ||
| Q2 25 | 3.3% | 9.5% | ||
| Q1 25 | 1.4% | 10.3% | ||
| Q4 24 | 1.9% | 14.0% | ||
| Q3 24 | 2.2% | 11.0% | ||
| Q2 24 | 2.4% | 9.6% | ||
| Q1 24 | 0.6% | 8.4% |
资本支出强度COMPUNM
| Q4 25 | 0.2% | 1.2% | ||
| Q3 25 | 0.1% | 0.9% | ||
| Q2 25 | 0.2% | 0.8% | ||
| Q1 25 | 0.3% | 1.2% | ||
| Q4 24 | 0.3% | 1.0% | ||
| Q3 24 | 0.3% | 1.2% | ||
| Q2 24 | 0.3% | 0.9% | ||
| Q1 24 | 0.3% | 0.9% |
现金转化率COMPUNM
| Q4 25 | — | 2.06× | ||
| Q3 25 | — | -9.37× | ||
| Q2 25 | 1.85× | 1.04× | ||
| Q1 25 | — | 1.87× | ||
| Q4 24 | — | 1.39× | ||
| Q3 24 | — | 0.60× | ||
| Q2 24 | 2.17× | 0.87× | ||
| Q1 24 | — | 0.75× |
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
COMP
暂无分部数据
UNM
| Unum Us | $2.0B | 60% |
| Colonial Life | $507.0M | 16% |
| Closed Block | $445.6M | 14% |
| Unum International | $323.0M | 10% |
