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GENWORTH FINANCIAL INC（GNW）与TRINET GROUP, INC.（TNET）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TRINET GROUP, INC.的1.4倍（$1.8B vs $1.2B），GENWORTH FINANCIAL INC同比增速更快（0.1% vs -2.2%），过去两年TRINET GROUP, INC.的营收复合增速更高（-0.6% 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。
TriNet Group, Inc.是一家面向中小企业的专业雇主组织，总部位于加州都柏林，服务员工规模在3至2500人之间的各类机构。可提供薪资管理、健康福利管理服务，还能为客户提供劳动法规合规、风险降低相关咨询，可作为外包人力资源部门为企业分担人事相关事务。
GNW vs TNET — 直观对比
营收规模更大
GNW
是对方的1.4倍
$1.2B
营收增速更快
GNW
高出2.3%
-2.2%
两年增速更快
TNET
近两年复合增速
-2.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $1.2B |
| 净利润 | $2.0M | — |
| 毛利率 | — | — |
| 营业利润率 | 1.0% | 0.1% |
| 净利率 | 0.1% | — |
| 营收同比 | 0.1% | -2.2% |
| 净利润同比 | 300.0% | — |
| 每股收益（稀释后） | $0.01 | $0.02 |
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GNWTNET
| Q4 25 | $1.8B | $1.2B | ||
| Q3 25 | $1.9B | $1.2B | ||
| Q2 25 | $1.8B | $1.2B | ||
| Q1 25 | $1.8B | $1.3B | ||
| Q4 24 | $1.8B | $1.3B | ||
| Q3 24 | $1.9B | $1.2B | ||
| Q2 24 | $1.8B | $1.2B | ||
| Q1 24 | $1.9B | $1.3B |
净利润GNWTNET
| Q4 25 | $2.0M | — | ||
| Q3 25 | $116.0M | $34.0M | ||
| Q2 25 | $51.0M | $37.0M | ||
| Q1 25 | $54.0M | $85.0M | ||
| Q4 24 | $-1.0M | — | ||
| Q3 24 | $85.0M | $45.0M | ||
| Q2 24 | $76.0M | $60.0M | ||
| Q1 24 | $139.0M | $91.0M |
营业利润率GNWTNET
| Q4 25 | 1.0% | 0.1% | ||
| Q3 25 | 8.5% | 4.1% | ||
| Q2 25 | 3.8% | 4.1% | ||
| Q1 25 | 2.9% | 8.9% | ||
| Q4 24 | 3.1% | -2.9% | ||
| Q3 24 | 2.6% | 4.7% | ||
| Q2 24 | 7.1% | 6.5% | ||
| Q1 24 | 4.6% | 9.7% |
净利率GNWTNET
| Q4 25 | 0.1% | — | ||
| Q3 25 | 6.0% | 2.8% | ||
| Q2 25 | 2.8% | 3.0% | ||
| Q1 25 | 3.0% | 6.6% | ||
| Q4 24 | -0.1% | — | ||
| Q3 24 | 4.5% | 3.6% | ||
| Q2 24 | 4.3% | 4.9% | ||
| Q1 24 | 7.5% | 7.2% |
每股收益（稀释后）GNWTNET
| Q4 25 | $0.01 | $0.02 | ||
| Q3 25 | $0.28 | $0.70 | ||
| Q2 25 | $0.12 | $0.77 | ||
| Q1 25 | $0.13 | $1.71 | ||
| Q4 24 | $0.01 | $-0.44 | ||
| Q3 24 | $0.19 | $0.89 | ||
| Q2 24 | $0.17 | $1.20 | ||
| Q1 24 | $0.31 | $1.78 |
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 | — | $287.0M |
| 总债务越低越好 | $1.5B | — |
| 股东权益账面价值 | $8.8B | $54.0M |
| 总资产 | $88.1B | $3.8B |
| 负债/权益比越低杠杆越低 | 0.17× | — |
8季度趋势，按日历期对齐
现金及短期投资GNWTNET
| Q4 25 | — | $287.0M | ||
| Q3 25 | — | $321.0M | ||
| Q2 25 | — | $407.0M | ||
| Q1 25 | — | $349.0M | ||
| Q4 24 | — | $360.0M | ||
| Q3 24 | — | $301.0M | ||
| Q2 24 | — | $249.0M | ||
| Q1 24 | — | $383.0M |
总债务GNWTNET
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.5B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.6B | — | ||
| Q1 24 | $1.6B | — |
股东权益GNWTNET
| Q4 25 | $8.8B | $54.0M | ||
| Q3 25 | $8.8B | $110.0M | ||
| Q2 25 | $8.8B | $107.0M | ||
| Q1 25 | $8.7B | $63.0M | ||
| Q4 24 | $8.5B | $69.0M | ||
| Q3 24 | $8.3B | $129.0M | ||
| Q2 24 | $8.5B | $100.0M | ||
| Q1 24 | $8.0B | $143.0M |
总资产GNWTNET
| Q4 25 | $88.1B | $3.8B | ||
| Q3 25 | $88.5B | $3.4B | ||
| Q2 25 | $87.3B | $3.7B | ||
| Q1 25 | $87.3B | $3.8B | ||
| Q4 24 | $86.9B | $4.1B | ||
| Q3 24 | $90.8B | $3.7B | ||
| Q2 24 | $87.5B | $3.7B | ||
| Q1 24 | $89.2B | $4.0B |
负债/权益比GNWTNET
| Q4 25 | 0.17× | — | ||
| Q3 25 | 0.17× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.17× | — | ||
| Q4 24 | 0.18× | — | ||
| 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 | $61.0M |
| 自由现金流经营现金流 - 资本支出 | — | $43.0M |
| 自由现金流率自由现金流/营收 | — | 3.4% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 现金转化率经营现金流/净利润 | 100.00× | — |
| 过去12个月自由现金流最近4个季度 | — | $234.0M |
8季度趋势，按日历期对齐
经营现金流GNWTNET
| Q4 25 | $200.0M | $61.0M | ||
| Q3 25 | $87.0M | $72.0M | ||
| Q2 25 | $6.0M | $75.0M | ||
| Q1 25 | $34.0M | $95.0M | ||
| Q4 24 | $27.0M | $65.0M | ||
| Q3 24 | $161.0M | $84.0M | ||
| Q2 24 | $7.0M | $39.0M | ||
| Q1 24 | $-107.0M | $91.0M |
自由现金流GNWTNET
| Q4 25 | — | $43.0M | ||
| Q3 25 | — | $55.0M | ||
| Q2 25 | — | $57.0M | ||
| Q1 25 | — | $79.0M | ||
| Q4 24 | — | $47.0M | ||
| Q3 24 | — | $59.0M | ||
| Q2 24 | — | $22.0M | ||
| Q1 24 | — | $73.0M |
自由现金流率GNWTNET
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 4.5% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | 6.1% | ||
| Q4 24 | — | 3.7% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | 1.8% | ||
| Q1 24 | — | 5.8% |
资本支出强度GNWTNET
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.4% |
现金转化率GNWTNET
| Q4 25 | 100.00× | — | ||
| Q3 25 | 0.75× | 2.12× | ||
| Q2 25 | 0.12× | 2.03× | ||
| Q1 25 | 0.63× | 1.12× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.89× | 1.87× | ||
| Q2 24 | 0.09× | 0.65× | ||
| Q1 24 | -0.77× | 1.00× |
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% |
TNET
| Insurance Services | $1.1B | 85% |
| Professional Services | $169.0M | 14% |
