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Fidelity National Financial, Inc.（FNF）与Kinsale Capital Group, Inc.（KNSL）财务数据对比。点击上方公司名可切换其他公司
Fidelity National Financial, Inc.的季度营收约是Kinsale Capital Group, Inc.的1.2倍（$544.0M vs $466.7M），Kinsale Capital Group, Inc.净利率更高（24.1% vs -21.5%，领先45.6%），Fidelity National Financial, Inc.同比增速更快（10.3% vs 10.2%），过去两年Fidelity National Financial, Inc.的营收复合增速更高（13.7% vs 10.2%）
富达国民金融是美国财富500强企业，主要面向房地产与抵押贷款行业提供产权保险及交割服务，2019年其产权及房地产业务相关年度营收约为84.69亿美元，是全球领先的产权保险服务供应商。
旗星银行是一家总部位于纽约希克斯维尔的美国区域性金融服务公司，截至2023年共运营395家分支机构，并于2024年2月21日完成了全网点品牌统一，所有分支机构统一使用旗星品牌运营。
FNF vs KNSL — 直观对比
营收规模更大
FNF
是对方的1.2倍
$466.7M
营收增速更快
FNF
高出0.1%
10.2%
净利率更高
KNSL
高出45.6%
-21.5%
两年增速更快
FNF
近两年复合增速
10.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $544.0M | $466.7M |
| 净利润 | $-117.0M | $112.6M |
| 毛利率 | — | — |
| 营业利润率 | 82.9% | — |
| 净利率 | -21.5% | 24.1% |
| 营收同比 | 10.3% | 10.2% |
| 净利润同比 | -126.0% | 26.1% |
| 每股收益（稀释后） | $-0.44 | $4.88 |
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FNFKNSL
| Q1 26 | — | $466.7M | ||
| Q4 25 | $544.0M | $483.3M | ||
| Q3 25 | $553.0M | $497.5M | ||
| Q2 25 | $547.0M | $469.8M | ||
| Q1 25 | $455.0M | $423.4M | ||
| Q4 24 | $493.0M | $412.1M | ||
| Q3 24 | $506.0M | $418.1M | ||
| Q2 24 | $504.0M | $384.6M |
净利润FNFKNSL
| Q1 26 | — | $112.6M | ||
| Q4 25 | $-117.0M | $138.6M | ||
| Q3 25 | $358.0M | $141.6M | ||
| Q2 25 | $278.0M | $134.1M | ||
| Q1 25 | $83.0M | $89.2M | ||
| Q4 24 | $450.0M | $109.1M | ||
| Q3 24 | $266.0M | $114.2M | ||
| Q2 24 | $306.0M | $92.6M |
营业利润率FNFKNSL
| Q1 26 | — | — | ||
| Q4 25 | 82.9% | 36.2% | ||
| Q3 25 | 81.9% | 36.0% | ||
| Q2 25 | 69.8% | 35.8% | ||
| Q1 25 | 24.4% | 26.5% | ||
| Q4 24 | — | 33.6% | ||
| Q3 24 | 61.9% | 34.5% | ||
| Q2 24 | 90.9% | 30.1% |
净利率FNFKNSL
| Q1 26 | — | 24.1% | ||
| Q4 25 | -21.5% | 28.7% | ||
| Q3 25 | 64.7% | 28.5% | ||
| Q2 25 | 50.8% | 28.5% | ||
| Q1 25 | 18.2% | 21.1% | ||
| Q4 24 | 91.3% | 26.5% | ||
| Q3 24 | 52.6% | 27.3% | ||
| Q2 24 | 60.7% | 24.1% |
每股收益（稀释后）FNFKNSL
| Q1 26 | — | $4.88 | ||
| Q4 25 | $-0.44 | $5.97 | ||
| Q3 25 | $1.33 | $6.09 | ||
| Q2 25 | $1.02 | $5.76 | ||
| Q1 25 | $0.30 | $3.83 | ||
| Q4 24 | $1.65 | $4.67 | ||
| Q3 24 | $0.97 | $4.90 | ||
| Q2 24 | $1.12 | $3.97 |
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 | $2.6B | $223.3M |
| 总债务越低越好 | $4.4B | — |
| 股东权益账面价值 | $7.4B | $2.0B |
| 总资产 | $109.0B | $6.2B |
| 负债/权益比越低杠杆越低 | 0.59× | — |
8季度趋势，按日历期对齐
现金及短期投资FNFKNSL
| Q1 26 | — | $223.3M | ||
| Q4 25 | $2.6B | — | ||
| Q3 25 | $3.5B | $170.2M | ||
| Q2 25 | $3.3B | $138.1M | ||
| Q1 25 | $4.5B | $142.0M | ||
| Q4 24 | $3.5B | $113.2M | ||
| Q3 24 | $5.0B | $111.7M | ||
| Q2 24 | $4.9B | $171.0M |
总债务FNFKNSL
| Q1 26 | — | — | ||
| Q4 25 | $4.4B | $224.4M | ||
| Q3 25 | $4.4B | $199.3M | ||
| Q2 25 | $4.4B | $184.3M | ||
| Q1 25 | $4.4B | $184.2M | ||
| Q4 24 | $4.3B | $184.1M | ||
| Q3 24 | $4.2B | $184.1M | ||
| Q2 24 | $4.2B | $184.0M |
股东权益FNFKNSL
| Q1 26 | — | $2.0B | ||
| Q4 25 | $7.4B | $2.0B | ||
| Q3 25 | $8.4B | $1.9B | ||
| Q2 25 | $7.9B | $1.7B | ||
| Q1 25 | $7.9B | $1.6B | ||
| Q4 24 | $7.8B | $1.5B | ||
| Q3 24 | $8.1B | $1.4B | ||
| Q2 24 | $7.3B | $1.3B |
总资产FNFKNSL
| Q1 26 | — | $6.2B | ||
| Q4 25 | $109.0B | $6.0B | ||
| Q3 25 | $106.6B | $5.8B | ||
| Q2 25 | $102.3B | $5.6B | ||
| Q1 25 | $98.2B | $5.2B | ||
| Q4 24 | $95.4B | $4.9B | ||
| Q3 24 | $94.7B | $4.7B | ||
| Q2 24 | $88.8B | $4.4B |
负债/权益比FNFKNSL
| Q1 26 | — | — | ||
| Q4 25 | 0.59× | 0.11× | ||
| Q3 25 | 0.53× | 0.11× | ||
| Q2 25 | 0.56× | 0.11× | ||
| Q1 25 | 0.56× | 0.12× | ||
| Q4 24 | 0.56× | 0.12× | ||
| Q3 24 | 0.52× | 0.13× | ||
| Q2 24 | 0.58× | 0.15× |
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 | $1.5B | — |
| 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 | — | — |
| 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FNFKNSL
| Q1 26 | — | — | ||
| Q4 25 | $1.5B | $241.4M | ||
| Q3 25 | $1.3B | $303.5M | ||
| Q2 25 | $1.9B | $269.1M | ||
| Q1 25 | $1.1B | $229.8M | ||
| Q4 24 | $1.5B | $213.0M | ||
| Q3 24 | $2.4B | $274.0M | ||
| Q2 24 | $1.4B | $278.9M |
自由现金流FNFKNSL
| Q1 26 | — | — | ||
| Q4 25 | — | $230.8M | ||
| Q3 25 | — | $289.5M | ||
| Q2 25 | — | $252.1M | ||
| Q1 25 | — | $217.6M | ||
| Q4 24 | — | $202.2M | ||
| Q3 24 | — | $268.2M | ||
| Q2 24 | — | $275.1M |
自由现金流率FNFKNSL
| Q1 26 | — | — | ||
| Q4 25 | — | 47.8% | ||
| Q3 25 | — | 58.2% | ||
| Q2 25 | — | 53.7% | ||
| Q1 25 | — | 51.4% | ||
| Q4 24 | — | 49.1% | ||
| Q3 24 | — | 64.2% | ||
| Q2 24 | — | 71.5% |
资本支出强度FNFKNSL
| Q1 26 | — | — | ||
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 2.9% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 1.4% | ||
| Q2 24 | — | 1.0% |
现金转化率FNFKNSL
| Q1 26 | — | — | ||
| Q4 25 | — | 1.74× | ||
| Q3 25 | 3.66× | 2.14× | ||
| Q2 25 | 6.82× | 2.01× | ||
| Q1 25 | 13.43× | 2.58× | ||
| Q4 24 | 3.32× | 1.95× | ||
| Q3 24 | 8.89× | 2.40× | ||
| Q2 24 | 4.45× | 3.01× |
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
FNF
| Escrow Fees | $241.0M | 44% |
| Other Title Related Fees And Income | $182.0M | 33% |
| Service Link Excluding Title Premiums Escrow Fees And Subservicing Fees | $87.0M | 16% |
| Insurance Contracts Home Warranty | $31.0M | 6% |
KNSL
暂无分部数据
