vs
Everest Group（EG）与信安金融集团（PFG）财务数据对比。点击上方公司名可切换其他公司
信安金融集团的季度营收约是Everest Group的1.0倍（$4.6B vs $4.4B），信安金融集团净利率更高（11.3% vs 10.1%，领先1.2%），信安金融集团同比增速更快（-3.7% vs -4.6%），过去两年信安金融集团的营收复合增速更高（6.3% vs 3.4%）
Everest Group是全球领先的再保险及保险服务提供商，业务覆盖全球100余个国家和地区，面向商业机构与个人客户提供财产、意外伤害、特种保险及人寿保险等多元化产品，具备成熟的风险管理能力与深厚的行业积淀。
信安金融集团（股票代码：PFG）是总部位于美国艾奥瓦州得梅因的全球性金融服务企业，核心业务涵盖投资管理、保险服务两大板块，在全球多个区域开展业务，为机构客户和个人用户提供专业定制化的金融解决方案，在行业内拥有较高知名度。
EG vs PFG — 直观对比
营收规模更大
PFG
是对方的1.0倍
$4.4B
营收增速更快
PFG
高出0.9%
-4.6%
净利率更高
PFG
高出1.2%
10.1%
两年增速更快
PFG
近两年复合增速
3.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $4.4B | $4.6B |
| 净利润 | $446.0M | $517.0M |
| 毛利率 | — | — |
| 营业利润率 | 12.5% | — |
| 净利率 | 10.1% | 11.3% |
| 营收同比 | -4.6% | -3.7% |
| 净利润同比 | 175.2% | -42.9% |
| 每股收益（稀释后） | $10.71 | $2.30 |
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EGPFG
| Q4 25 | $4.4B | $4.6B | ||
| Q3 25 | $4.3B | $3.7B | ||
| Q2 25 | $4.5B | $3.7B | ||
| Q1 25 | $4.3B | $3.7B | ||
| Q4 24 | $4.6B | $4.8B | ||
| Q3 24 | $4.3B | $3.0B | ||
| Q2 24 | $4.2B | $4.3B | ||
| Q1 24 | $4.1B | $4.1B |
净利润EGPFG
| Q4 25 | $446.0M | $517.0M | ||
| Q3 25 | $255.0M | $213.8M | ||
| Q2 25 | $680.0M | $406.2M | ||
| Q1 25 | $210.0M | $48.1M | ||
| Q4 24 | $-593.0M | $905.4M | ||
| Q3 24 | $509.0M | $-220.0M | ||
| Q2 24 | $724.0M | $353.1M | ||
| Q1 24 | $733.0M | $532.5M |
营业利润率EGPFG
| Q4 25 | 12.5% | — | ||
| Q3 25 | 6.2% | — | ||
| Q2 25 | 18.1% | — | ||
| Q1 25 | 5.8% | — | ||
| Q4 24 | -16.1% | — | ||
| Q3 24 | 13.5% | — | ||
| Q2 24 | 19.7% | — | ||
| Q1 24 | 20.1% | — |
净利率EGPFG
| Q4 25 | 10.1% | 11.3% | ||
| Q3 25 | 5.9% | 5.8% | ||
| Q2 25 | 15.1% | 11.1% | ||
| Q1 25 | 4.9% | 1.3% | ||
| Q4 24 | -12.8% | 19.1% | ||
| Q3 24 | 11.9% | -7.3% | ||
| Q2 24 | 17.1% | 8.2% | ||
| Q1 24 | 17.7% | 13.1% |
每股收益（稀释后）EGPFG
| Q4 25 | $10.71 | $2.30 | ||
| Q3 25 | $6.09 | $0.95 | ||
| Q2 25 | $16.10 | $1.79 | ||
| Q1 25 | $4.90 | $0.21 | ||
| Q4 24 | $-13.59 | $3.92 | ||
| Q3 24 | $11.80 | $-0.95 | ||
| Q2 24 | $16.70 | $1.49 | ||
| Q1 24 | $16.87 | $2.22 |
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 | — | $4.4B |
| 总债务越低越好 | — | $3.9B |
| 股东权益账面价值 | $15.5B | $11.9B |
| 总资产 | $62.5B | $341.4B |
| 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EGPFG
| Q4 25 | — | $4.4B | ||
| Q3 25 | — | $5.1B | ||
| Q2 25 | — | $3.7B | ||
| Q1 25 | — | $3.9B | ||
| Q4 24 | $662.0M | $4.2B | ||
| Q3 24 | — | $6.2B | ||
| Q2 24 | — | $4.8B | ||
| Q1 24 | — | $4.2B |
总债务EGPFG
| Q4 25 | — | $3.9B | ||
| Q3 25 | — | $3.9B | ||
| Q2 25 | — | $3.9B | ||
| Q1 25 | — | $4.3B | ||
| Q4 24 | — | $4.0B | ||
| Q3 24 | — | $3.9B | ||
| Q2 24 | — | $3.9B | ||
| Q1 24 | — | $3.9B |
股东权益EGPFG
| Q4 25 | $15.5B | $11.9B | ||
| Q3 25 | $15.4B | $11.7B | ||
| Q2 25 | $15.0B | $11.4B | ||
| Q1 25 | $14.1B | $11.2B | ||
| Q4 24 | $13.9B | $11.1B | ||
| Q3 24 | $15.3B | $11.2B | ||
| Q2 24 | $14.2B | $11.0B | ||
| Q1 24 | $13.6B | $11.2B |
总资产EGPFG
| Q4 25 | $62.5B | $341.4B | ||
| Q3 25 | $62.2B | $334.5B | ||
| Q2 25 | $60.5B | $323.1B | ||
| Q1 25 | $58.1B | $313.0B | ||
| Q4 24 | $56.3B | $313.7B | ||
| Q3 24 | $55.9B | $322.9B | ||
| Q2 24 | $52.6B | $308.8B | ||
| Q1 24 | $50.9B | $308.7B |
负债/权益比EGPFG
| Q4 25 | — | 0.33× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.34× | ||
| Q1 25 | — | 0.39× | ||
| Q4 24 | — | 0.36× | ||
| Q3 24 | — | 0.35× | ||
| Q2 24 | — | 0.36× | ||
| Q1 24 | — | 0.35× |
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 | $-398.0M | $1.7B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | -0.89× | 3.37× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流EGPFG
| Q4 25 | $-398.0M | $1.7B | ||
| Q3 25 | $1.5B | $1.0B | ||
| Q2 25 | $1.1B | $811.9M | ||
| Q1 25 | $928.0M | $977.3M | ||
| Q4 24 | $780.0M | $1.5B | ||
| Q3 24 | $1.7B | $1.1B | ||
| Q2 24 | $1.3B | $1.4B | ||
| Q1 24 | $1.1B | $584.2M |
现金转化率EGPFG
| Q4 25 | -0.89× | 3.37× | ||
| Q3 25 | 5.72× | 4.70× | ||
| Q2 25 | 1.59× | 2.00× | ||
| Q1 25 | 4.42× | 20.32× | ||
| Q4 24 | — | 1.61× | ||
| Q3 24 | 3.41× | — | ||
| Q2 24 | 1.85× | 4.05× | ||
| Q1 24 | 1.50× | 1.10× |
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
EG
| Insurance | $3.7B | 84% |
| Other | $705.0M | 16% |
PFG
| Segment Retirement And Income Solutions | $1.6B | 36% |
| Segment Benefits And Protection | $1.1B | 23% |
| Other | $582.8M | 13% |
| Segment Principal Asset Management | $465.6M | 10% |
| Subsegment Investment Management | $449.4M | 10% |
| Administrative Service | $152.2M | 3% |
| Subsegment International Pension | $91.2M | 2% |
| Segment Corporate | $73.0M | 2% |
| Subsegment Life Insurance | $26.1M | 1% |
| Financial Service Other | $25.1M | 1% |
| Residential Mortgage | $7.4M | 0% |
| Subsegment Specialty Benefits | $3.7M | 0% |
| Deposit Account | $3.4M | 0% |
| Commission Income | $1.8M | 0% |
