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Fidelis Insurance Holdings Ltd（FIHL）与M/I HOMES, INC.（MHO）财务数据对比。点击上方公司名可切换其他公司
M/I HOMES, INC.的季度营收约是Fidelis Insurance Holdings Ltd的1.8倍（$1.1B vs $651.9M），Fidelis Insurance Holdings Ltd净利率更高（20.0% vs 5.6%，领先14.4%），M/I HOMES, INC.同比增速更快（-4.8% vs -5.0%），Fidelis Insurance Holdings Ltd自由现金流更多（$154.6M vs $-13.0M）
Fidelis Insurance Holdings Ltd是总部位于百慕大的全球特种保险与再保险服务商，提供财产、意外伤害、海事、航空等领域的定制化风险保障方案，服务范围覆盖北美、欧洲等地区的企业及机构客户。
M/I Homes是美国领先的住宅建筑企业，主要设计、建造及销售独栋住宅、联排住宅与复式公寓，业务覆盖美国多州，面向首次置业、改善型及高端置业群体，提供节能住宅产品与个性化定制服务。
FIHL vs MHO — 直观对比
营收规模更大
MHO
是对方的1.8倍
$651.9M
营收增速更快
MHO
高出0.2%
-5.0%
净利率更高
FIHL
高出14.4%
5.6%
自由现金流更多
FIHL
多$167.6M
$-13.0M
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $651.9M | $1.1B |
| 净利润 | $130.5M | $64.0M |
| 毛利率 | — | 17.4% |
| 营业利润率 | 24.7% | 6.5% |
| 净利率 | 20.0% | 5.6% |
| 营收同比 | -5.0% | -4.8% |
| 净利润同比 | 29.7% | -52.1% |
| 每股收益（稀释后） | $1.24 | $2.42 |
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FIHLMHO
| Q4 25 | — | $1.1B | ||
| Q3 25 | $651.9M | $1.1B | ||
| Q2 25 | $589.3M | $1.2B | ||
| Q1 25 | $658.4M | $976.1M | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | $686.1M | $1.1B | ||
| Q2 24 | $540.1M | $1.1B | ||
| Q1 24 | $520.0M | $1.0B |
净利润FIHLMHO
| Q4 25 | — | $64.0M | ||
| Q3 25 | $130.5M | $106.5M | ||
| Q2 25 | $19.7M | $121.2M | ||
| Q1 25 | $-42.5M | $111.2M | ||
| Q4 24 | — | $133.5M | ||
| Q3 24 | $100.6M | $145.4M | ||
| Q2 24 | $53.7M | $146.7M | ||
| Q1 24 | $81.2M | $138.1M |
毛利率FIHLMHO
| Q4 25 | — | 17.4% | ||
| Q3 25 | — | 24.5% | ||
| Q2 25 | — | 24.7% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 27.1% | ||
| Q2 24 | — | 27.9% | ||
| Q1 24 | — | 27.1% |
营业利润率FIHLMHO
| Q4 25 | — | 6.5% | ||
| Q3 25 | 24.7% | 12.0% | ||
| Q2 25 | 3.8% | 13.4% | ||
| Q1 25 | -7.6% | 14.4% | ||
| Q4 24 | — | 13.6% | ||
| Q3 24 | 17.2% | 15.9% | ||
| Q2 24 | 11.6% | 16.8% | ||
| Q1 24 | 18.3% | 16.6% |
净利率FIHLMHO
| Q4 25 | — | 5.6% | ||
| Q3 25 | 20.0% | 9.4% | ||
| Q2 25 | 3.3% | 10.4% | ||
| Q1 25 | -6.5% | 11.4% | ||
| Q4 24 | — | 11.1% | ||
| Q3 24 | 14.7% | 12.7% | ||
| Q2 24 | 9.9% | 13.2% | ||
| Q1 24 | 15.6% | 13.2% |
每股收益（稀释后）FIHLMHO
| Q4 25 | — | $2.42 | ||
| Q3 25 | $1.24 | $3.92 | ||
| Q2 25 | $0.18 | $4.42 | ||
| Q1 25 | $-0.38 | $3.98 | ||
| Q4 24 | — | $4.71 | ||
| Q3 24 | $0.88 | $5.10 | ||
| Q2 24 | $0.46 | $5.12 | ||
| Q1 24 | $0.69 | $4.78 |
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 | $892.5M | — |
| 总债务越低越好 | $842.9M | — |
| 股东权益账面价值 | $2.4B | $3.2B |
| 总资产 | $12.5B | $4.8B |
| 负债/权益比越低杠杆越低 | 0.35× | — |
8季度趋势，按日历期对齐
现金及短期投资FIHLMHO
| Q4 25 | — | — | ||
| Q3 25 | $892.5M | — | ||
| Q2 25 | $919.4M | — | ||
| Q1 25 | $733.4M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $806.8M | — | ||
| Q2 24 | $628.6M | — | ||
| Q1 24 | $671.7M | — |
总债务FIHLMHO
| Q4 25 | — | — | ||
| Q3 25 | $842.9M | — | ||
| Q2 25 | $842.6M | — | ||
| Q1 25 | $449.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $448.8M | — | ||
| Q2 24 | $448.6M | — | ||
| Q1 24 | $448.4M | — |
股东权益FIHLMHO
| Q4 25 | — | $3.2B | ||
| Q3 25 | $2.4B | $3.1B | ||
| Q2 25 | $2.3B | $3.1B | ||
| Q1 25 | $2.4B | $3.0B | ||
| Q4 24 | — | $2.9B | ||
| Q3 24 | $2.6B | $2.8B | ||
| Q2 24 | $2.5B | $2.7B | ||
| Q1 24 | $2.5B | $2.6B |
总资产FIHLMHO
| Q4 25 | — | $4.8B | ||
| Q3 25 | $12.5B | $4.8B | ||
| Q2 25 | $13.0B | $4.7B | ||
| Q1 25 | $12.8B | $4.6B | ||
| Q4 24 | — | $4.5B | ||
| Q3 24 | $11.7B | $4.5B | ||
| Q2 24 | $11.9B | $4.3B | ||
| Q1 24 | $11.3B | $4.2B |
负债/权益比FIHLMHO
| Q4 25 | — | — | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 0.36× | — | ||
| Q1 25 | 0.19× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.17× | — | ||
| Q2 24 | 0.18× | — | ||
| Q1 24 | 0.18× | — |
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 | $155.2M | $-8.7M |
| 自由现金流经营现金流 - 资本支出 | $154.6M | $-13.0M |
| 自由现金流率自由现金流/营收 | 23.7% | -1.1% |
| 资本支出强度资本支出/营收 | 0.1% | 0.4% |
| 现金转化率经营现金流/净利润 | 1.19× | -0.14× |
| 过去12个月自由现金流最近4个季度 | $-320.9M | $127.7M |
8季度趋势，按日历期对齐
经营现金流FIHLMHO
| Q4 25 | — | $-8.7M | ||
| Q3 25 | $155.2M | $43.4M | ||
| Q2 25 | $-359.2M | $37.8M | ||
| Q1 25 | $-433.1M | $64.9M | ||
| Q4 24 | — | $104.4M | ||
| Q3 24 | $318.9M | $-67.9M | ||
| Q2 24 | $208.5M | $27.5M | ||
| Q1 24 | $-35.3M | $115.8M |
自由现金流FIHLMHO
| Q4 25 | — | $-13.0M | ||
| Q3 25 | $154.6M | $42.0M | ||
| Q2 25 | $-359.3M | $35.1M | ||
| Q1 25 | $-433.4M | $63.5M | ||
| Q4 24 | — | $102.3M | ||
| Q3 24 | $317.2M | $-68.5M | ||
| Q2 24 | $206.6M | $22.0M | ||
| Q1 24 | $-35.6M | $115.5M |
自由现金流率FIHLMHO
| Q4 25 | — | -1.1% | ||
| Q3 25 | 23.7% | 3.7% | ||
| Q2 25 | -61.0% | 3.0% | ||
| Q1 25 | -65.8% | 6.5% | ||
| Q4 24 | — | 8.5% | ||
| Q3 24 | 46.2% | -6.0% | ||
| Q2 24 | 38.3% | 2.0% | ||
| Q1 24 | -6.8% | 11.0% |
资本支出强度FIHLMHO
| Q4 25 | — | 0.4% | ||
| Q3 25 | 0.1% | 0.1% | ||
| Q2 25 | 0.0% | 0.2% | ||
| Q1 25 | 0.0% | 0.1% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | 0.2% | 0.1% | ||
| Q2 24 | 0.4% | 0.5% | ||
| Q1 24 | 0.1% | 0.0% |
现金转化率FIHLMHO
| Q4 25 | — | -0.14× | ||
| Q3 25 | 1.19× | 0.41× | ||
| Q2 25 | -18.23× | 0.31× | ||
| Q1 25 | — | 0.58× | ||
| Q4 24 | — | 0.78× | ||
| Q3 24 | 3.17× | -0.47× | ||
| Q2 24 | 3.88× | 0.19× | ||
| Q1 24 | -0.43× | 0.84× |
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
FIHL
暂无分部数据
MHO
| Southern Homebuilding | $615.6M | 54% |
| Northern Homebuilding | $503.9M | 44% |
| Financial Service | $27.8M | 2% |
| Land | $4.7M | 0% |
