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GENWORTH FINANCIAL INC（GNW）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
GENWORTH FINANCIAL INC的季度营收约是HANOVER INSURANCE GROUP, INC.的1.1倍（$1.8B vs $1.7B），HANOVER INSURANCE GROUP, INC.净利率更高（11.9% vs 0.1%，领先11.8%），HANOVER INSURANCE GROUP, INC.同比增速更快（5.5% vs 0.1%），过去两年HANOVER INSURANCE GROUP, INC.的营收复合增速更高（3.8% vs -2.2%）
Genworth Financial是总部位于美国弗吉尼亚州里士满的金融服务企业，核心业务涵盖人寿保险、长期护理保险、按揭保险以及年金产品，为客户提供多元风险管理与财富保障解决方案。
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。
GNW vs THG — 直观对比
营收规模更大
GNW
是对方的1.1倍
$1.7B
营收增速更快
THG
高出5.4%
0.1%
净利率更高
THG
高出11.8%
0.1%
两年增速更快
THG
近两年复合增速
-2.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $1.7B |
| 净利润 | $2.0M | $198.5M |
| 毛利率 | — | — |
| 营业利润率 | 1.0% | 17.3% |
| 净利率 | 0.1% | 11.9% |
| 营收同比 | 0.1% | 5.5% |
| 净利润同比 | 300.0% | 18.2% |
| 每股收益（稀释后） | $0.01 | $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GNWTHG
| Q4 25 | $1.8B | $1.7B | ||
| Q3 25 | $1.9B | $1.7B | ||
| Q2 25 | $1.8B | $1.7B | ||
| Q1 25 | $1.8B | $1.6B | ||
| Q4 24 | $1.8B | $1.6B | ||
| Q3 24 | $1.9B | $1.6B | ||
| Q2 24 | $1.8B | $1.5B | ||
| Q1 24 | $1.9B | $1.6B |
净利润GNWTHG
| Q4 25 | $2.0M | $198.5M | ||
| Q3 25 | $116.0M | $178.7M | ||
| Q2 25 | $51.0M | $157.1M | ||
| Q1 25 | $54.0M | $128.2M | ||
| Q4 24 | $-1.0M | $167.9M | ||
| Q3 24 | $85.0M | $102.1M | ||
| Q2 24 | $76.0M | $40.5M | ||
| Q1 24 | $139.0M | $115.5M |
营业利润率GNWTHG
| Q4 25 | 1.0% | 17.3% | ||
| Q3 25 | 8.5% | 14.9% | ||
| Q2 25 | 3.8% | 12.7% | ||
| Q1 25 | 2.9% | 11.6% | ||
| Q4 24 | 3.1% | 16.1% | ||
| Q3 24 | 2.6% | 9.6% | ||
| Q2 24 | 7.1% | 6.2% | ||
| Q1 24 | 4.6% | 9.7% |
净利率GNWTHG
| Q4 25 | 0.1% | 11.9% | ||
| Q3 25 | 6.0% | 10.7% | ||
| Q2 25 | 2.8% | 9.5% | ||
| Q1 25 | 3.0% | 8.0% | ||
| Q4 24 | -0.1% | 10.6% | ||
| Q3 24 | 4.5% | 6.5% | ||
| Q2 24 | 4.3% | 2.6% | ||
| Q1 24 | 7.5% | 7.4% |
每股收益（稀释后）GNWTHG
| Q4 25 | $0.01 | $5.46 | ||
| Q3 25 | $0.28 | $4.90 | ||
| Q2 25 | $0.12 | $4.30 | ||
| Q1 25 | $0.13 | $3.50 | ||
| Q4 24 | $0.01 | $4.60 | ||
| Q3 24 | $0.19 | $2.80 | ||
| Q2 24 | $0.17 | $1.12 | ||
| Q1 24 | $0.31 | $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 | — | $1.1B |
| 总债务越低越好 | $1.5B | $843.3M |
| 股东权益账面价值 | $8.8B | $3.6B |
| 总资产 | $88.1B | $16.9B |
| 负债/权益比越低杠杆越低 | 0.17× | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资GNWTHG
| Q4 25 | — | $1.1B | ||
| Q3 25 | — | $915.7M | ||
| Q2 25 | — | $244.1M | ||
| Q1 25 | — | $315.1M | ||
| Q4 24 | — | $435.5M | ||
| Q3 24 | — | $427.1M | ||
| Q2 24 | — | $337.6M | ||
| Q1 24 | — | $264.6M |
总债务GNWTHG
| Q4 25 | $1.5B | $843.3M | ||
| Q3 25 | $1.5B | $843.0M | ||
| Q2 25 | $1.5B | $347.8M | ||
| Q1 25 | $1.5B | $722.5M | ||
| Q4 24 | $1.5B | $722.3M | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.6B | — | ||
| Q1 24 | $1.6B | — |
股东权益GNWTHG
| Q4 25 | $8.8B | $3.6B | ||
| Q3 25 | $8.8B | $3.4B | ||
| Q2 25 | $8.8B | $3.2B | ||
| Q1 25 | $8.7B | $3.0B | ||
| Q4 24 | $8.5B | $2.8B | ||
| Q3 24 | $8.3B | $2.9B | ||
| Q2 24 | $8.5B | $2.6B | ||
| Q1 24 | $8.0B | $2.5B |
总资产GNWTHG
| Q4 25 | $88.1B | $16.9B | ||
| Q3 25 | $88.5B | $16.8B | ||
| Q2 25 | $87.3B | $15.7B | ||
| Q1 25 | $87.3B | $15.5B | ||
| Q4 24 | $86.9B | $15.3B | ||
| Q3 24 | $90.8B | $15.4B | ||
| Q2 24 | $87.5B | $14.9B | ||
| Q1 24 | $89.2B | $14.6B |
负债/权益比GNWTHG
| Q4 25 | 0.17× | 0.24× | ||
| Q3 25 | 0.17× | 0.25× | ||
| Q2 25 | 0.17× | 0.11× | ||
| Q1 25 | 0.17× | 0.24× | ||
| Q4 24 | 0.18× | 0.25× | ||
| Q3 24 | 0.19× | — | ||
| Q2 24 | 0.18× | — | ||
| Q1 24 | 0.20× | — |
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 | $200.0M | $378.2M |
| 自由现金流经营现金流 - 资本支出 | — | $377.0M |
| 自由现金流率自由现金流/营收 | — | 22.6% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | 100.00× | 1.91× |
| 过去12个月自由现金流最近4个季度 | — | $1.2B |
8季度趋势，按日历期对齐
经营现金流GNWTHG
| Q4 25 | $200.0M | $378.2M | ||
| Q3 25 | $87.0M | $554.4M | ||
| Q2 25 | $6.0M | $206.6M | ||
| Q1 25 | $34.0M | $38.9M | ||
| Q4 24 | $27.0M | $213.5M | ||
| Q3 24 | $161.0M | $394.7M | ||
| Q2 24 | $7.0M | $139.5M | ||
| Q1 24 | $-107.0M | $58.7M |
自由现金流GNWTHG
| Q4 25 | — | $377.0M | ||
| Q3 25 | — | $551.4M | ||
| Q2 25 | — | $204.9M | ||
| Q1 25 | — | $37.1M | ||
| Q4 24 | — | $210.5M | ||
| Q3 24 | — | $392.3M | ||
| Q2 24 | — | $137.3M | ||
| Q1 24 | — | $56.1M |
自由现金流率GNWTHG
| Q4 25 | — | 22.6% | ||
| Q3 25 | — | 33.1% | ||
| Q2 25 | — | 12.4% | ||
| Q1 25 | — | 2.3% | ||
| Q4 24 | — | 13.3% | ||
| Q3 24 | — | 25.1% | ||
| Q2 24 | — | 8.9% | ||
| Q1 24 | — | 3.6% |
资本支出强度GNWTHG
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.2% |
现金转化率GNWTHG
| Q4 25 | 100.00× | 1.91× | ||
| Q3 25 | 0.75× | 3.10× | ||
| Q2 25 | 0.12× | 1.32× | ||
| Q1 25 | 0.63× | 0.30× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | 1.89× | 3.87× | ||
| Q2 24 | 0.09× | 3.44× | ||
| Q1 24 | -0.77× | 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
GNW
| Enact Segment | $1.3B | 70% |
| Other | $386.0M | 22% |
| Annuities | $106.0M | 6% |
| Utilities | $20.0M | 1% |
| Consumer Cyclical | $17.0M | 1% |
| Energy | $4.0M | 0% |
THG
| Personal Lines Segment | $684.6M | 41% |
| Core Commercial Lines Segment | $617.8M | 37% |
| Specialty Lines Segment | $377.9M | 23% |
