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GENWORTH FINANCIAL INC（GNW）与Tri Pointe Homes, Inc.（TPH）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Tri Pointe Homes, Inc.的1.8倍（$1.8B vs $972.6M），Tri Pointe Homes, Inc.净利率更高（6.2% vs 0.1%，领先6.1%），GENWORTH FINANCIAL INC同比增速更快（0.1% vs -22.4%），过去两年Tri Pointe Homes, Inc.的营收复合增速更高（1.8% 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。
Tri Pointe Homes, Inc.是总部位于美国内华达州inclinet村的住宅建筑企业，为购房者提供融资及保险服务，业务覆盖亚利桑那、加利福尼亚、内华达、华盛顿、科罗拉多、得克萨斯、哥伦比亚特区、马里兰、北卡罗来纳、南卡罗来纳、弗吉尼亚等地区，按房屋交付量计算是美国第18大住宅建筑商。
GNW vs TPH — 直观对比
营收规模更大
GNW
是对方的1.8倍
$972.6M
营收增速更快
GNW
高出22.5%
-22.4%
净利率更高
TPH
高出6.1%
0.1%
两年增速更快
TPH
近两年复合增速
-2.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $972.6M |
| 净利润 | $2.0M | $60.2M |
| 毛利率 | — | — |
| 营业利润率 | 1.0% | 8.1% |
| 净利率 | 0.1% | 6.2% |
| 营收同比 | 0.1% | -22.4% |
| 净利润同比 | 300.0% | -53.4% |
| 每股收益（稀释后） | $0.01 | $0.70 |
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GNWTPH
| Q4 25 | $1.8B | $972.6M | ||
| Q3 25 | $1.9B | $854.7M | ||
| Q2 25 | $1.8B | $902.4M | ||
| Q1 25 | $1.8B | $740.9M | ||
| Q4 24 | $1.8B | $1.3B | ||
| Q3 24 | $1.9B | $1.1B | ||
| Q2 24 | $1.8B | $1.2B | ||
| Q1 24 | $1.9B | $939.4M |
净利润GNWTPH
| Q4 25 | $2.0M | $60.2M | ||
| Q3 25 | $116.0M | $56.1M | ||
| Q2 25 | $51.0M | $60.7M | ||
| Q1 25 | $54.0M | $64.0M | ||
| Q4 24 | $-1.0M | $129.2M | ||
| Q3 24 | $85.0M | $111.8M | ||
| Q2 24 | $76.0M | $118.0M | ||
| Q1 24 | $139.0M | $99.1M |
营业利润率GNWTPH
| Q4 25 | 1.0% | 8.1% | ||
| Q3 25 | 8.5% | 8.1% | ||
| Q2 25 | 3.8% | 8.5% | ||
| Q1 25 | 2.9% | 10.4% | ||
| Q4 24 | 3.1% | 13.4% | ||
| Q3 24 | 2.6% | 12.6% | ||
| Q2 24 | 7.1% | 12.9% | ||
| Q1 24 | 4.6% | 12.3% |
净利率GNWTPH
| Q4 25 | 0.1% | 6.2% | ||
| Q3 25 | 6.0% | 6.6% | ||
| Q2 25 | 2.8% | 6.7% | ||
| Q1 25 | 3.0% | 8.6% | ||
| Q4 24 | -0.1% | 10.3% | ||
| Q3 24 | 4.5% | 9.8% | ||
| Q2 24 | 4.3% | 10.2% | ||
| Q1 24 | 7.5% | 10.5% |
每股收益（稀释后）GNWTPH
| Q4 25 | $0.01 | $0.70 | ||
| Q3 25 | $0.28 | $0.64 | ||
| Q2 25 | $0.12 | $0.68 | ||
| Q1 25 | $0.13 | $0.70 | ||
| Q4 24 | $0.01 | $1.37 | ||
| Q3 24 | $0.19 | $1.18 | ||
| Q2 24 | $0.17 | $1.25 | ||
| Q1 24 | $0.31 | $1.03 |
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 | — | $982.8M |
| 总债务越低越好 | $1.5B | — |
| 股东权益账面价值 | $8.8B | $3.3B |
| 总资产 | $88.1B | $5.0B |
| 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GNWTPH
| Q4 25 | — | $982.8M | ||
| Q3 25 | — | $792.0M | ||
| Q2 25 | — | $622.6M | ||
| Q1 25 | — | $812.9M | ||
| Q4 24 | — | $970.0M | ||
| Q3 24 | — | $676.0M | ||
| Q2 24 | — | $492.9M | ||
| Q1 24 | — | $944.0M |
总债务GNWTPH
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.5B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | $646.5M | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.6B | — | ||
| Q1 24 | $1.6B | — |
股东权益GNWTPH
| Q4 25 | $8.8B | $3.3B | ||
| Q3 25 | $8.8B | $3.3B | ||
| Q2 25 | $8.8B | $3.3B | ||
| Q1 25 | $8.7B | $3.3B | ||
| Q4 24 | $8.5B | $3.3B | ||
| Q3 24 | $8.3B | $3.2B | ||
| Q2 24 | $8.5B | $3.1B | ||
| Q1 24 | $8.0B | $3.0B |
总资产GNWTPH
| Q4 25 | $88.1B | $5.0B | ||
| Q3 25 | $88.5B | $5.0B | ||
| Q2 25 | $87.3B | $4.8B | ||
| Q1 25 | $87.3B | $4.8B | ||
| Q4 24 | $86.9B | $4.9B | ||
| Q3 24 | $90.8B | $4.8B | ||
| Q2 24 | $87.5B | $4.6B | ||
| Q1 24 | $89.2B | $5.0B |
负债/权益比GNWTPH
| Q4 25 | 0.17× | — | ||
| Q3 25 | 0.17× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.17× | — | ||
| Q4 24 | 0.18× | 0.19× | ||
| 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 | $221.0M |
| 自由现金流经营现金流 - 资本支出 | — | $213.2M |
| 自由现金流率自由现金流/营收 | — | 21.9% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | 100.00× | 3.67× |
| 过去12个月自由现金流最近4个季度 | — | $128.5M |
8季度趋势，按日历期对齐
经营现金流GNWTPH
| Q4 25 | $200.0M | $221.0M | ||
| Q3 25 | $87.0M | $45.9M | ||
| Q2 25 | $6.0M | $-74.3M | ||
| Q1 25 | $34.0M | $-31.2M | ||
| Q4 24 | $27.0M | $360.3M | ||
| Q3 24 | $161.0M | $167.9M | ||
| Q2 24 | $7.0M | $23.1M | ||
| Q1 24 | $-107.0M | $144.7M |
自由现金流GNWTPH
| Q4 25 | — | $213.2M | ||
| Q3 25 | — | $39.1M | ||
| Q2 25 | — | $-84.5M | ||
| Q1 25 | — | $-39.3M | ||
| Q4 24 | — | $355.9M | ||
| Q3 24 | — | $161.5M | ||
| Q2 24 | — | $17.0M | ||
| Q1 24 | — | $138.3M |
自由现金流率GNWTPH
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 4.6% | ||
| Q2 25 | — | -9.4% | ||
| Q1 25 | — | -5.3% | ||
| Q4 24 | — | 28.4% | ||
| Q3 24 | — | 14.1% | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | 14.7% |
资本支出强度GNWTPH
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.7% |
现金转化率GNWTPH
| Q4 25 | 100.00× | 3.67× | ||
| Q3 25 | 0.75× | 0.82× | ||
| Q2 25 | 0.12× | -1.22× | ||
| Q1 25 | 0.63× | -0.49× | ||
| Q4 24 | — | 2.79× | ||
| Q3 24 | 1.89× | 1.50× | ||
| Q2 24 | 0.09× | 0.20× | ||
| Q1 24 | -0.77× | 1.46× |
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% |
TPH
| West | $547.8M | 56% |
| Central | $245.1M | 25% |
| East | $161.8M | 17% |
| Financial Services Segment | $18.0M | 2% |
| Land | $7.9M | 1% |
