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GENWORTH FINANCIAL INC（GNW）与Frontier Group Holdings, Inc.（ULCC）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Frontier Group Holdings, Inc.的1.8倍（$1.8B vs $997.0M），Frontier Group Holdings, Inc.净利率更高（5.3% vs 0.1%，领先5.2%），GENWORTH FINANCIAL INC同比增速更快（0.1% vs -0.5%），过去两年Frontier Group Holdings, Inc.的营收复合增速更高（7.4% 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。
前沿通信母公司（Frontier Communications Parent, Inc.）是一家美国电信企业，拥有自营光纤网络，提供云服务，目前隶属于威瑞森。公司此前曾先后以公民公用事业公司、公民通信公司、前沿通信公司为名开展运营。
GNW vs ULCC — 直观对比
营收规模更大
GNW
是对方的1.8倍
$997.0M
营收增速更快
GNW
高出0.6%
-0.5%
净利率更高
ULCC
高出5.2%
0.1%
两年增速更快
ULCC
近两年复合增速
-2.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $997.0M |
| 净利润 | $2.0M | $53.0M |
| 毛利率 | — | — |
| 营业利润率 | 1.0% | 4.9% |
| 净利率 | 0.1% | 5.3% |
| 营收同比 | 0.1% | -0.5% |
| 净利润同比 | 300.0% | -1.9% |
| 每股收益（稀释后） | $0.01 | $0.24 |
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GNWULCC
| Q4 25 | $1.8B | $997.0M | ||
| Q3 25 | $1.9B | $886.0M | ||
| Q2 25 | $1.8B | $929.0M | ||
| Q1 25 | $1.8B | $912.0M | ||
| Q4 24 | $1.8B | $1.0B | ||
| Q3 24 | $1.9B | $935.0M | ||
| Q2 24 | $1.8B | $973.0M | ||
| Q1 24 | $1.9B | $865.0M |
净利润GNWULCC
| Q4 25 | $2.0M | $53.0M | ||
| Q3 25 | $116.0M | $-77.0M | ||
| Q2 25 | $51.0M | $-70.0M | ||
| Q1 25 | $54.0M | $-43.0M | ||
| Q4 24 | $-1.0M | $54.0M | ||
| Q3 24 | $85.0M | $26.0M | ||
| Q2 24 | $76.0M | $31.0M | ||
| Q1 24 | $139.0M | $-26.0M |
营业利润率GNWULCC
| Q4 25 | 1.0% | 4.9% | ||
| Q3 25 | 8.5% | -8.7% | ||
| Q2 25 | 3.8% | -8.1% | ||
| Q1 25 | 2.9% | -5.0% | ||
| Q4 24 | 3.1% | 4.5% | ||
| Q3 24 | 2.6% | 2.0% | ||
| Q2 24 | 7.1% | 2.6% | ||
| Q1 24 | 4.6% | -3.6% |
净利率GNWULCC
| Q4 25 | 0.1% | 5.3% | ||
| Q3 25 | 6.0% | -8.7% | ||
| Q2 25 | 2.8% | -7.5% | ||
| Q1 25 | 3.0% | -4.7% | ||
| Q4 24 | -0.1% | 5.4% | ||
| Q3 24 | 4.5% | 2.8% | ||
| Q2 24 | 4.3% | 3.2% | ||
| Q1 24 | 7.5% | -3.0% |
每股收益（稀释后）GNWULCC
| Q4 25 | $0.01 | $0.24 | ||
| Q3 25 | $0.28 | $-0.34 | ||
| Q2 25 | $0.12 | $-0.31 | ||
| Q1 25 | $0.13 | $-0.19 | ||
| Q4 24 | $0.01 | $0.24 | ||
| Q3 24 | $0.19 | $0.11 | ||
| Q2 24 | $0.17 | $0.14 | ||
| Q1 24 | $0.31 | $-0.12 |
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 | — | $671.0M |
| 总债务越低越好 | $1.5B | $620.0M |
| 股东权益账面价值 | $8.8B | $491.0M |
| 总资产 | $88.1B | $7.2B |
| 负债/权益比越低杠杆越低 | 0.17× | 1.26× |
8季度趋势，按日历期对齐
现金及短期投资GNWULCC
| Q4 25 | — | $671.0M | ||
| Q3 25 | — | $566.0M | ||
| Q2 25 | — | $563.0M | ||
| Q1 25 | — | $686.0M | ||
| Q4 24 | — | $740.0M | ||
| Q3 24 | — | $576.0M | ||
| Q2 24 | — | $658.0M | ||
| Q1 24 | — | $622.0M |
总债务GNWULCC
| Q4 25 | $1.5B | $620.0M | ||
| Q3 25 | $1.5B | $673.0M | ||
| Q2 25 | $1.5B | $565.0M | ||
| Q1 25 | $1.5B | $512.0M | ||
| Q4 24 | $1.5B | $507.0M | ||
| Q3 24 | $1.5B | $474.0M | ||
| Q2 24 | $1.6B | $455.0M | ||
| Q1 24 | $1.6B | $469.0M |
股东权益GNWULCC
| Q4 25 | $8.8B | $491.0M | ||
| Q3 25 | $8.8B | $434.0M | ||
| Q2 25 | $8.8B | $506.0M | ||
| Q1 25 | $8.7B | $570.0M | ||
| Q4 24 | $8.5B | $604.0M | ||
| Q3 24 | $8.3B | $549.0M | ||
| Q2 24 | $8.5B | $520.0M | ||
| Q1 24 | $8.0B | $484.0M |
总资产GNWULCC
| Q4 25 | $88.1B | $7.2B | ||
| Q3 25 | $88.5B | $6.7B | ||
| Q2 25 | $87.3B | $6.5B | ||
| Q1 25 | $87.3B | $6.5B | ||
| Q4 24 | $86.9B | $6.2B | ||
| Q3 24 | $90.8B | $5.8B | ||
| Q2 24 | $87.5B | $5.7B | ||
| Q1 24 | $89.2B | $5.2B |
负债/权益比GNWULCC
| Q4 25 | 0.17× | 1.26× | ||
| Q3 25 | 0.17× | 1.55× | ||
| Q2 25 | 0.17× | 1.12× | ||
| Q1 25 | 0.17× | 0.90× | ||
| Q4 24 | 0.18× | 0.84× | ||
| Q3 24 | 0.19× | 0.86× | ||
| Q2 24 | 0.18× | 0.88× | ||
| Q1 24 | 0.20× | 0.97× |
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 | $-91.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-113.0M |
| 自由现金流率自由现金流/营收 | — | -11.3% |
| 资本支出强度资本支出/营收 | — | 2.2% |
| 现金转化率经营现金流/净利润 | 100.00× | -1.72× |
| 过去12个月自由现金流最近4个季度 | — | $-600.0M |
8季度趋势，按日历期对齐
经营现金流GNWULCC
| Q4 25 | $200.0M | $-91.0M | ||
| Q3 25 | $87.0M | $-215.0M | ||
| Q2 25 | $6.0M | $-133.0M | ||
| Q1 25 | $34.0M | $-86.0M | ||
| Q4 24 | $27.0M | $87.0M | ||
| Q3 24 | $161.0M | $-156.0M | ||
| Q2 24 | $7.0M | $9.0M | ||
| Q1 24 | $-107.0M | $-22.0M |
自由现金流GNWULCC
| Q4 25 | — | $-113.0M | ||
| Q3 25 | — | $-217.0M | ||
| Q2 25 | — | $-166.0M | ||
| Q1 25 | — | $-104.0M | ||
| Q4 24 | — | $73.0M | ||
| Q3 24 | — | $-170.0M | ||
| Q2 24 | — | $-22.0M | ||
| Q1 24 | — | $-39.0M |
自由现金流率GNWULCC
| Q4 25 | — | -11.3% | ||
| Q3 25 | — | -24.5% | ||
| Q2 25 | — | -17.9% | ||
| Q1 25 | — | -11.4% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | -18.2% | ||
| Q2 24 | — | -2.3% | ||
| Q1 24 | — | -4.5% |
资本支出强度GNWULCC
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 3.2% | ||
| Q1 24 | — | 2.0% |
现金转化率GNWULCC
| Q4 25 | 100.00× | -1.72× | ||
| Q3 25 | 0.75× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.63× | — | ||
| Q4 24 | — | 1.61× | ||
| Q3 24 | 1.89× | -6.00× | ||
| Q2 24 | 0.09× | 0.29× | ||
| Q1 24 | -0.77× | — |
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% |
ULCC
| Aircraft Fare | $453.0M | 45% |
| Passenger Service Fees | $227.0M | 23% |
| Passenger Baggage | $177.0M | 18% |
| Passenger Seat Selection | $69.0M | 7% |
| Other Passenger Revenue | $36.0M | 4% |
| Other | $35.0M | 4% |
