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FRESH DEL MONTE PRODUCE INC（FDP）与HANOVER INSURANCE GROUP, INC.（THG）财务数据对比。点击上方公司名可切换其他公司
HANOVER INSURANCE GROUP, INC.的季度营收约是FRESH DEL MONTE PRODUCE INC的1.6倍（$1.7B vs $1.0B），HANOVER INSURANCE GROUP, INC.净利率更高（11.9% vs 3.2%，领先8.7%），HANOVER INSURANCE GROUP, INC.同比增速更快（5.5% vs 0.6%），HANOVER INSURANCE GROUP, INC.自由现金流更多（$377.0M vs $-17.2M），过去两年HANOVER INSURANCE GROUP, INC.的营收复合增速更高（3.8% vs -4.1%）
鲜德尔蒙农产品公司是全球领先的垂直一体化生鲜及鲜切果蔬、加工果蔬生产、分销及营销企业，注册地位于开曼群岛乔治敦，美国行政总部设在佛罗里达州科勒尔盖布尔斯塞维利亚大道241号。
汉诺威保险集团是总部位于美国马萨诸塞州伍斯特市的保险企业，1852年成立时主营财产责任保险，以原名公开上市交易，直至上世纪90年代初更名为Allmerica财产意外伤害保险公司。
FDP vs THG — 直观对比
营收规模更大
THG
是对方的1.6倍
$1.0B
营收增速更快
THG
高出4.9%
0.6%
净利率更高
THG
高出8.7%
3.2%
自由现金流更多
THG
多$394.2M
$-17.2M
两年增速更快
THG
近两年复合增速
-4.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.0B | $1.7B |
| 净利润 | $32.3M | $198.5M |
| 毛利率 | 10.4% | — |
| 营业利润率 | 4.5% | 17.3% |
| 净利率 | 3.2% | 11.9% |
| 营收同比 | 0.6% | 5.5% |
| 净利润同比 | 59.1% | 18.2% |
| 每股收益（稀释后） | $0.67 | $5.46 |
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FDPTHG
| Q4 25 | $1.0B | $1.7B | ||
| Q3 25 | $1.0B | $1.7B | ||
| Q2 25 | $1.2B | $1.7B | ||
| Q1 25 | $1.1B | $1.6B | ||
| Q4 24 | $1.0B | $1.6B | ||
| Q3 24 | $1.0B | $1.6B | ||
| Q2 24 | $1.1B | $1.5B | ||
| Q1 24 | $1.1B | $1.6B |
净利润FDPTHG
| Q4 25 | $32.3M | $198.5M | ||
| Q3 25 | $-29.1M | $178.7M | ||
| Q2 25 | $56.8M | $157.1M | ||
| Q1 25 | $31.1M | $128.2M | ||
| Q4 24 | $20.3M | $167.9M | ||
| Q3 24 | $42.1M | $102.1M | ||
| Q2 24 | $53.6M | $40.5M | ||
| Q1 24 | $26.1M | $115.5M |
毛利率FDPTHG
| Q4 25 | 10.4% | — | ||
| Q3 25 | 7.9% | — | ||
| Q2 25 | 10.2% | — | ||
| Q1 25 | 8.4% | — | ||
| Q4 24 | 6.8% | — | ||
| Q3 24 | 9.2% | — | ||
| Q2 24 | 9.9% | — | ||
| Q1 24 | 7.4% | — |
营业利润率FDPTHG
| Q4 25 | 4.5% | 17.3% | ||
| Q3 25 | -2.1% | 14.9% | ||
| Q2 25 | 5.8% | 12.7% | ||
| Q1 25 | 4.1% | 11.6% | ||
| Q4 24 | 3.0% | 16.1% | ||
| Q3 24 | 5.3% | 9.6% | ||
| Q2 24 | 6.0% | 6.2% | ||
| Q1 24 | 4.0% | 9.7% |
净利率FDPTHG
| Q4 25 | 3.2% | 11.9% | ||
| Q3 25 | -2.8% | 10.7% | ||
| Q2 25 | 4.8% | 9.5% | ||
| Q1 25 | 2.8% | 8.0% | ||
| Q4 24 | 2.0% | 10.6% | ||
| Q3 24 | 4.1% | 6.5% | ||
| Q2 24 | 4.7% | 2.6% | ||
| Q1 24 | 2.4% | 7.4% |
每股收益（稀释后）FDPTHG
| Q4 25 | $0.67 | $5.46 | ||
| Q3 25 | $-0.61 | $4.90 | ||
| Q2 25 | $1.18 | $4.30 | ||
| Q1 25 | $0.64 | $3.50 | ||
| Q4 24 | $0.41 | $4.60 | ||
| Q3 24 | $0.88 | $2.80 | ||
| Q2 24 | $1.12 | $1.12 | ||
| Q1 24 | $0.55 | $3.18 |
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 | $35.7M | $1.1B |
| 总债务越低越好 | $176.2M | $843.3M |
| 股东权益账面价值 | $2.0B | $3.6B |
| 总资产 | $3.1B | $16.9B |
| 负债/权益比越低杠杆越低 | 0.09× | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资FDPTHG
| Q4 25 | $35.7M | $1.1B | ||
| Q3 25 | $97.2M | $915.7M | ||
| Q2 25 | $85.5M | $244.1M | ||
| Q1 25 | $34.4M | $315.1M | ||
| Q4 24 | $32.6M | $435.5M | ||
| Q3 24 | $50.8M | $427.1M | ||
| Q2 24 | $37.8M | $337.6M | ||
| Q1 24 | $42.2M | $264.6M |
总债务FDPTHG
| Q4 25 | $176.2M | $843.3M | ||
| Q3 25 | $176.7M | $843.0M | ||
| Q2 25 | $205.2M | $347.8M | ||
| Q1 25 | $237.4M | $722.5M | ||
| Q4 24 | $248.9M | $722.3M | ||
| Q3 24 | $274.8M | — | ||
| Q2 24 | $290.4M | — | ||
| Q1 24 | $405.8M | — |
股东权益FDPTHG
| Q4 25 | $2.0B | $3.6B | ||
| Q3 25 | $2.0B | $3.4B | ||
| Q2 25 | $2.1B | $3.2B | ||
| Q1 25 | $2.0B | $3.0B | ||
| Q4 24 | $2.0B | $2.8B | ||
| Q3 24 | $2.0B | $2.9B | ||
| Q2 24 | $2.0B | $2.6B | ||
| Q1 24 | $1.9B | $2.5B |
总资产FDPTHG
| Q4 25 | $3.1B | $16.9B | ||
| Q3 25 | $3.1B | $16.8B | ||
| Q2 25 | $3.2B | $15.7B | ||
| Q1 25 | $3.2B | $15.5B | ||
| Q4 24 | $3.1B | $15.3B | ||
| Q3 24 | $3.2B | $15.4B | ||
| Q2 24 | $3.1B | $14.9B | ||
| Q1 24 | $3.2B | $14.6B |
负债/权益比FDPTHG
| Q4 25 | 0.09× | 0.24× | ||
| Q3 25 | 0.09× | 0.25× | ||
| Q2 25 | 0.10× | 0.11× | ||
| Q1 25 | 0.12× | 0.24× | ||
| Q4 24 | 0.13× | 0.25× | ||
| Q3 24 | 0.14× | — | ||
| Q2 24 | 0.15× | — | ||
| Q1 24 | 0.21× | — |
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 | $10.9M | $378.2M |
| 自由现金流经营现金流 - 资本支出 | $-17.2M | $377.0M |
| 自由现金流率自由现金流/营收 | -1.7% | 22.6% |
| 资本支出强度资本支出/营收 | 2.8% | 0.1% |
| 现金转化率经营现金流/净利润 | 0.34× | 1.91× |
| 过去12个月自由现金流最近4个季度 | $181.3M | $1.2B |
8季度趋势，按日历期对齐
经营现金流FDPTHG
| Q4 25 | $10.9M | $378.2M | ||
| Q3 25 | $75.0M | $554.4M | ||
| Q2 25 | $113.1M | $206.6M | ||
| Q1 25 | $46.1M | $38.9M | ||
| Q4 24 | $-4.7M | $213.5M | ||
| Q3 24 | $43.5M | $394.7M | ||
| Q2 24 | $125.0M | $139.5M | ||
| Q1 24 | $18.7M | $58.7M |
自由现金流FDPTHG
| Q4 25 | $-17.2M | $377.0M | ||
| Q3 25 | $60.9M | $551.4M | ||
| Q2 25 | $101.5M | $204.9M | ||
| Q1 25 | $36.1M | $37.1M | ||
| Q4 24 | $-22.3M | $210.5M | ||
| Q3 24 | $30.1M | $392.3M | ||
| Q2 24 | $117.0M | $137.3M | ||
| Q1 24 | $6.0M | $56.1M |
自由现金流率FDPTHG
| Q4 25 | -1.7% | 22.6% | ||
| Q3 25 | 6.0% | 33.1% | ||
| Q2 25 | 8.6% | 12.4% | ||
| Q1 25 | 3.3% | 2.3% | ||
| Q4 24 | -2.2% | 13.3% | ||
| Q3 24 | 3.0% | 25.1% | ||
| Q2 24 | 10.3% | 8.9% | ||
| Q1 24 | 0.5% | 3.6% |
资本支出强度FDPTHG
| Q4 25 | 2.8% | 0.1% | ||
| Q3 25 | 1.4% | 0.2% | ||
| Q2 25 | 1.0% | 0.1% | ||
| Q1 25 | 0.9% | 0.1% | ||
| Q4 24 | 1.7% | 0.2% | ||
| Q3 24 | 1.3% | 0.2% | ||
| Q2 24 | 0.7% | 0.1% | ||
| Q1 24 | 1.1% | 0.2% |
现金转化率FDPTHG
| Q4 25 | 0.34× | 1.91× | ||
| Q3 25 | — | 3.10× | ||
| Q2 25 | 1.99× | 1.32× | ||
| Q1 25 | 1.48× | 0.30× | ||
| Q4 24 | -0.23× | 1.27× | ||
| Q3 24 | 1.03× | 3.87× | ||
| Q2 24 | 2.33× | 3.44× | ||
| Q1 24 | 0.72× | 0.51× |
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
FDP
| Other | $482.7M | 47% |
| Gold Pineapples | $184.9M | 18% |
| Fresh Cut Fruit | $126.4M | 12% |
| Fresh Cut Vegetables | $69.3M | 7% |
| Avocados | $66.9M | 7% |
| Other Fruit Productsand Services | $26.1M | 3% |
| Non Tropical Fruit | $23.0M | 2% |
| Melons | $20.6M | 2% |
| Vegetables | $19.6M | 2% |
THG
| Personal Lines Segment | $684.6M | 41% |
| Core Commercial Lines Segment | $617.8M | 37% |
| Specialty Lines Segment | $377.9M | 23% |
