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Hagerty, Inc.（HGTY）与Neptune Insurance Holdings Inc.（NP）财务数据对比。点击上方公司名可切换其他公司
Hagerty, Inc.的季度营收约是Neptune Insurance Holdings Inc.的4.0倍（$150.8M vs $37.8M）。Hagerty, Inc.净利率更高（18.9% vs 0.1%，领先18.8%）。Hagerty, Inc.同比增速更快（30.7% vs 28.8%）
哈格蒂（Hagerty, Inc.）是美国知名汽车生活方式及会员服务企业，同时是全球规模最大的经典老爷车特种保险供应商，总部位于密歇根州特拉弗斯城，业务范围覆盖加拿大、德国及英国市场。
海王星保险控股有限公司是一家专业保险控股企业，主要经营财产及意外伤害保险业务，核心产品覆盖美国市场的住宅与商业洪水保险，服务个人消费者及中小型商业客户，依托数据分析实现精准定价和高效风险管理。
HGTY vs NP — 直观对比
营收规模更大
HGTY
是对方的4.0倍
$37.8M
营收增速更快
HGTY
高出1.9%
28.8%
净利率更高
HGTY
高出18.8%
0.1%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $150.8M | $37.8M |
| 净利润 | $28.6M | $50.0K |
| 毛利率 | — | — |
| 营业利润率 | 26.3% | — |
| 净利率 | 18.9% | 0.1% |
| 营收同比 | 30.7% | 28.8% |
| 净利润同比 | 238.4% | 0.0% |
| 每股收益（稀释后） | — | $0.05 |
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HGTYNP
| Q1 26 | — | $37.8M | ||
| Q4 25 | $150.8M | — | ||
| Q3 25 | $190.0M | $44.4M | ||
| Q2 25 | $188.5M | — | ||
| Q1 25 | $148.4M | — | ||
| Q4 24 | $115.4M | — | ||
| Q3 24 | $157.7M | $33.8M | ||
| Q2 24 | $155.6M | — |
净利润HGTYNP
| Q1 26 | — | $50.0K | ||
| Q4 25 | $28.6M | — | ||
| Q3 25 | $46.2M | $11.5M | ||
| Q2 25 | $47.2M | — | ||
| Q1 25 | $27.3M | — | ||
| Q4 24 | $8.4M | — | ||
| Q3 24 | $19.0M | $12.1M | ||
| Q2 24 | $42.7M | — |
营业利润率HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | 26.3% | — | ||
| Q3 25 | 18.1% | 46.7% | ||
| Q2 25 | 25.3% | — | ||
| Q1 25 | 17.3% | — | ||
| Q4 24 | 5.2% | — | ||
| Q3 24 | 6.4% | 58.6% | ||
| Q2 24 | 24.5% | — |
净利率HGTYNP
| Q1 26 | — | 0.1% | ||
| Q4 25 | 18.9% | — | ||
| Q3 25 | 24.3% | 25.9% | ||
| Q2 25 | 25.0% | — | ||
| Q1 25 | 18.4% | — | ||
| Q4 24 | 7.3% | — | ||
| Q3 24 | 12.1% | 35.8% | ||
| Q2 24 | 27.4% | — |
每股收益（稀释后）HGTYNP
| Q1 26 | — | $0.05 | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $0.06 | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $0.06 | ||
| Q2 24 | — | — |
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 | $160.2M | — |
| 总债务越低越好 | $177.9M | — |
| 股东权益账面价值 | $221.3M | — |
| 总资产 | $2.1B | — |
| 负债/权益比越低杠杆越低 | 0.80× | — |
8季度趋势，按日历期对齐
现金及短期投资HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | $160.2M | — | ||
| Q3 25 | $290.5M | $12.2M | ||
| Q2 25 | $259.6M | — | ||
| Q1 25 | $232.7M | — | ||
| Q4 24 | $178.7M | — | ||
| Q3 24 | $208.9M | — | ||
| Q2 24 | $186.4M | — |
总债务HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | $177.9M | — | ||
| Q3 25 | $104.4M | $247.6M | ||
| Q2 25 | $153.4M | — | ||
| Q1 25 | $132.6M | — | ||
| Q4 24 | $105.0M | — | ||
| Q3 24 | $122.9M | — | ||
| Q2 24 | $98.0M | — |
股东权益HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | $221.3M | — | ||
| Q3 25 | $211.7M | $-509.5M | ||
| Q2 25 | $172.3M | — | ||
| Q1 25 | $162.9M | — | ||
| Q4 24 | $150.3M | — | ||
| Q3 24 | $148.3M | $-374.3M | ||
| Q2 24 | $94.4M | — |
总资产HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.2B | $89.6M | ||
| Q2 25 | $2.0B | — | ||
| Q1 25 | $1.8B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $1.7B | — |
负债/权益比HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | 0.80× | — | ||
| Q3 25 | 0.49× | — | ||
| Q2 25 | 0.89× | — | ||
| Q1 25 | 0.81× | — | ||
| Q4 24 | 0.70× | — | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | 1.04× | — |
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 | $29.1M | — |
| 自由现金流经营现金流 - 资本支出 | $23.1M | — |
| 自由现金流率自由现金流/营收 | 15.3% | — |
| 资本支出强度资本支出/营收 | 4.0% | — |
| 现金转化率经营现金流/净利润 | 1.02× | — |
| 过去12个月自由现金流最近4个季度 | $194.5M | — |
8季度趋势，按日历期对齐
经营现金流HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | $29.1M | — | ||
| Q3 25 | $92.2M | — | ||
| Q2 25 | $53.9M | — | ||
| Q1 25 | $43.8M | — | ||
| Q4 24 | $-12.6M | — | ||
| Q3 24 | $67.4M | — | ||
| Q2 24 | $64.0M | — |
自由现金流HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | $23.1M | — | ||
| Q3 25 | $85.2M | — | ||
| Q2 25 | $47.7M | — | ||
| Q1 25 | $38.4M | — | ||
| Q4 24 | $-16.7M | — | ||
| Q3 24 | $62.0M | — | ||
| Q2 24 | $56.6M | — |
自由现金流率HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | 15.3% | — | ||
| Q3 25 | 44.9% | — | ||
| Q2 25 | 25.3% | — | ||
| Q1 25 | 25.9% | — | ||
| Q4 24 | -14.5% | — | ||
| Q3 24 | 39.3% | — | ||
| Q2 24 | 36.4% | — |
资本支出强度HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | — | ||
| Q3 25 | 3.7% | — | ||
| Q2 25 | 3.3% | — | ||
| Q1 25 | 3.6% | — | ||
| Q4 24 | 3.5% | — | ||
| Q3 24 | 3.4% | — | ||
| Q2 24 | 4.8% | — |
现金转化率HGTYNP
| Q1 26 | — | — | ||
| Q4 25 | 1.02× | — | ||
| Q3 25 | 2.00× | — | ||
| Q2 25 | 1.14× | — | ||
| Q1 25 | 1.61× | — | ||
| Q4 24 | -1.50× | — | ||
| Q3 24 | 3.55× | — | ||
| Q2 24 | 1.50× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
