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盖璞（GAP）与RENAISSANCERE HOLDINGS LTD（RNR）财务数据对比。点击上方公司名可切换其他公司
盖璞的季度营收约是RENAISSANCERE HOLDINGS LTD的1.8倍（$3.9B vs $2.2B），RENAISSANCERE HOLDINGS LTD净利率更高（23.5% vs 6.0%，领先17.5%），盖璞同比增速更快（3.0% vs -36.8%），过去两年盖璞的营收复合增速更高（-4.2% vs -11.9%）
盖璞（Gap Inc.）是总部位于美国加利福尼亚州旧金山的跨国服饰零售商，1969年由唐纳德·费舍尔与多丽丝·费舍尔创立，旗下拥有Gap、Banana Republic、Old Navy、Athleta四大核心品牌，是美国最大的服饰零售商之一，全球门店数量位列全球第三，仅次于Inditex集团和H&M。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
GAP vs RNR — 直观对比
营收规模更大
GAP
是对方的1.8倍
$2.2B
营收增速更快
GAP
高出39.7%
-36.8%
净利率更高
RNR
高出17.5%
6.0%
两年增速更快
GAP
近两年复合增速
-11.9%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.9B | $2.2B |
| 净利润 | $236.0M | $515.8M |
| 毛利率 | 42.4% | — |
| 营业利润率 | 8.5% | — |
| 净利率 | 6.0% | 23.5% |
| 营收同比 | 3.0% | -36.8% |
| 净利润同比 | -13.9% | 72.6% |
| 每股收益（稀释后） | $0.62 | $6.57 |
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GAPRNR
| Q1 26 | — | $2.2B | ||
| Q4 25 | $3.9B | $3.0B | ||
| Q3 25 | $3.7B | $3.2B | ||
| Q2 25 | $3.5B | $3.2B | ||
| Q1 25 | $4.1B | $3.5B | ||
| Q4 24 | $3.8B | $2.3B | ||
| Q3 24 | $3.7B | $4.0B | ||
| Q2 24 | $3.4B | $2.8B |
净利润GAPRNR
| Q1 26 | — | $515.8M | ||
| Q4 25 | $236.0M | $760.5M | ||
| Q3 25 | $216.0M | $916.5M | ||
| Q2 25 | $193.0M | $835.4M | ||
| Q1 25 | $206.0M | $170.0M | ||
| Q4 24 | $274.0M | $-189.7M | ||
| Q3 24 | $206.0M | $1.2B | ||
| Q2 24 | $158.0M | $503.9M |
毛利率GAPRNR
| Q1 26 | — | — | ||
| Q4 25 | 42.4% | — | ||
| Q3 25 | 41.2% | — | ||
| Q2 25 | 41.8% | — | ||
| Q1 25 | 38.9% | — | ||
| Q4 24 | 42.7% | — | ||
| Q3 24 | 42.6% | — | ||
| Q2 24 | 41.2% | — |
营业利润率GAPRNR
| Q1 26 | — | — | ||
| Q4 25 | 8.5% | 42.5% | ||
| Q3 25 | 7.8% | 46.3% | ||
| Q2 25 | 7.5% | 41.8% | ||
| Q1 25 | 6.2% | -2.0% | ||
| Q4 24 | 9.3% | -3.6% | ||
| Q3 24 | 7.9% | 43.7% | ||
| Q2 24 | 6.1% | 25.0% |
净利率GAPRNR
| Q1 26 | — | 23.5% | ||
| Q4 25 | 6.0% | 25.6% | ||
| Q3 25 | 5.8% | 28.7% | ||
| Q2 25 | 5.6% | 26.1% | ||
| Q1 25 | 5.0% | 4.9% | ||
| Q4 24 | 7.2% | -8.3% | ||
| Q3 24 | 5.5% | 29.8% | ||
| Q2 24 | 4.7% | 17.8% |
每股收益（稀释后）GAPRNR
| Q1 26 | — | $6.57 | ||
| Q4 25 | $0.62 | $16.16 | ||
| Q3 25 | $0.57 | $19.40 | ||
| Q2 25 | $0.51 | $17.20 | ||
| Q1 25 | $0.53 | $3.27 | ||
| Q4 24 | $0.72 | $-3.76 | ||
| Q3 24 | $0.54 | $22.62 | ||
| Q2 24 | $0.41 | $9.41 |
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 | $2.5B | $1.6B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.6B | $4.3B |
| 总资产 | $12.4B | $53.7B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资GAPRNR
| Q1 26 | — | $1.6B | ||
| Q4 25 | $2.5B | $1.7B | ||
| Q3 25 | $2.4B | $1.7B | ||
| Q2 25 | $2.2B | $1.4B | ||
| Q1 25 | $2.6B | $1.6B | ||
| Q4 24 | $2.2B | $1.7B | ||
| Q3 24 | $2.1B | $1.6B | ||
| Q2 24 | $1.7B | $1.6B |
总债务GAPRNR
| Q1 26 | — | — | ||
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $2.3B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | — | $1.9B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.0B |
股东权益GAPRNR
| Q1 26 | — | $4.3B | ||
| Q4 25 | $3.6B | $11.6B | ||
| Q3 25 | $3.4B | $11.5B | ||
| Q2 25 | $3.3B | $10.8B | ||
| Q1 25 | $3.3B | $10.3B | ||
| Q4 24 | $3.1B | $10.6B | ||
| Q3 24 | $2.9B | $11.2B | ||
| Q2 24 | $2.7B | $10.2B |
总资产GAPRNR
| Q1 26 | — | $53.7B | ||
| Q4 25 | $12.4B | $53.8B | ||
| Q3 25 | $12.1B | $54.5B | ||
| Q2 25 | $11.6B | $54.7B | ||
| Q1 25 | $11.9B | $53.6B | ||
| Q4 24 | $11.9B | $50.7B | ||
| Q3 24 | $11.5B | $52.8B | ||
| Q2 24 | $10.9B | $51.6B |
负债/权益比GAPRNR
| Q1 26 | — | — | ||
| Q4 25 | — | 0.20× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.21× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.17× | ||
| Q2 24 | — | 0.19× |
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 | $299.0M | — |
| 自由现金流经营现金流 - 资本支出 | $153.0M | — |
| 自由现金流率自由现金流/营收 | 3.9% | — |
| 资本支出强度资本支出/营收 | 3.7% | — |
| 现金转化率经营现金流/净利润 | 1.27× | — |
| 过去12个月自由现金流最近4个季度 | $779.0M | — |
8季度趋势，按日历期对齐
经营现金流GAPRNR
| Q1 26 | — | — | ||
| Q4 25 | $299.0M | $483.0M | ||
| Q3 25 | $448.0M | $1.6B | ||
| Q2 25 | $-140.0M | $1.5B | ||
| Q1 25 | $616.0M | $157.8M | ||
| Q4 24 | $291.0M | $778.9M | ||
| Q3 24 | $549.0M | $1.5B | ||
| Q2 24 | $30.0M | $1.2B |
自由现金流GAPRNR
| Q1 26 | — | — | ||
| Q4 25 | $153.0M | — | ||
| Q3 25 | $350.0M | — | ||
| Q2 25 | $-223.0M | — | ||
| Q1 25 | $499.0M | — | ||
| Q4 24 | $143.0M | — | ||
| Q3 24 | $460.0M | — | ||
| Q2 24 | $-63.0M | — |
自由现金流率GAPRNR
| Q1 26 | — | — | ||
| Q4 25 | 3.9% | — | ||
| Q3 25 | 9.4% | — | ||
| Q2 25 | -6.4% | — | ||
| Q1 25 | 12.0% | — | ||
| Q4 24 | 3.7% | — | ||
| Q3 24 | 12.4% | — | ||
| Q2 24 | -1.9% | — |
资本支出强度GAPRNR
| Q1 26 | — | — | ||
| Q4 25 | 3.7% | — | ||
| Q3 25 | 2.6% | — | ||
| Q2 25 | 2.4% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 3.9% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 2.7% | — |
现金转化率GAPRNR
| Q1 26 | — | — | ||
| Q4 25 | 1.27× | 0.64× | ||
| Q3 25 | 2.07× | 1.73× | ||
| Q2 25 | -0.73× | 1.76× | ||
| Q1 25 | 2.99× | 0.93× | ||
| Q4 24 | 1.06× | — | ||
| Q3 24 | 2.67× | 1.26× | ||
| Q2 24 | 0.19× | 2.41× |
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
GAP
| Other | $2.2B | 55% |
| Online Sales | $1.6B | 40% |
| CA | $191.0M | 5% |
| Other Regions | $13.0M | 0% |
RNR
暂无分部数据
