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Hagerty, Inc.（HGTY）与天瑞祥控股有限公司（TIRX）财务数据对比。点击上方公司名可切换其他公司
Hagerty, Inc.的季度营收约是天瑞祥控股有限公司的74.9倍（$150.8M vs $2.0M）。Hagerty, Inc.净利率更高（18.9% vs -12.3%，领先31.3%）。Hagerty, Inc.同比增速更快（30.7% vs -35.8%）。Hagerty, Inc.自由现金流更多（$23.1M vs $263.1K）
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。
天瑞祥控股有限公司是总部位于中国的保险中介服务提供商，代理销售多家合作保险公司的财险、意外险、寿险等多元保险产品，主要服务中国大陆各区域的个人及企业客户。
HGTY vs TIRX — 直观对比
营收规模更大
HGTY
是对方的74.9倍
$2.0M
营收增速更快
HGTY
高出66.5%
-35.8%
净利率更高
HGTY
高出31.3%
-12.3%
自由现金流更多
HGTY
多$22.8M
$263.1K
损益表 — Q4 2025 vs Q2 2025
| 指标 | | |
|---|---|---|
| 营收 | $150.8M | $2.0M |
| 净利润 | $28.6M | $-248.3K |
| 毛利率 | — | 85.6% |
| 营业利润率 | 26.3% | -6.7% |
| 净利率 | 18.9% | -12.3% |
| 营收同比 | 30.7% | -35.8% |
| 净利润同比 | 238.4% | -159.3% |
| 每股收益（稀释后） | — | $-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HGTYTIRX
| Q4 25 | $150.8M | — | ||
| Q3 25 | $190.0M | — | ||
| Q2 25 | $188.5M | $2.0M | ||
| Q1 25 | $148.4M | — | ||
| Q4 24 | $115.4M | — | ||
| Q3 24 | $157.7M | — | ||
| Q2 24 | $155.6M | $3.1M | ||
| Q1 24 | $120.1M | — |
净利润HGTYTIRX
| Q4 25 | $28.6M | — | ||
| Q3 25 | $46.2M | — | ||
| Q2 25 | $47.2M | $-248.3K | ||
| Q1 25 | $27.3M | — | ||
| Q4 24 | $8.4M | — | ||
| Q3 24 | $19.0M | — | ||
| Q2 24 | $42.7M | $418.9K | ||
| Q1 24 | $8.2M | — |
毛利率HGTYTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 85.6% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 89.7% | ||
| Q1 24 | — | — |
营业利润率HGTYTIRX
| Q4 25 | 26.3% | — | ||
| Q3 25 | 18.1% | — | ||
| Q2 25 | 25.3% | -6.7% | ||
| Q1 25 | 17.3% | — | ||
| Q4 24 | 5.2% | — | ||
| Q3 24 | 6.4% | — | ||
| Q2 24 | 24.5% | 18.6% | ||
| Q1 24 | 10.2% | — |
净利率HGTYTIRX
| Q4 25 | 18.9% | — | ||
| Q3 25 | 24.3% | — | ||
| Q2 25 | 25.0% | -12.3% | ||
| Q1 25 | 18.4% | — | ||
| Q4 24 | 7.3% | — | ||
| Q3 24 | 12.1% | — | ||
| Q2 24 | 27.4% | 13.4% | ||
| Q1 24 | 6.8% | — |
每股收益（稀释后）HGTYTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $-0.02 | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $0.01 | ||
| Q1 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 | $28.0M |
| 总债务越低越好 | $177.9M | $3.5M |
| 股东权益账面价值 | $221.3M | $-16.1M |
| 总资产 | $2.1B | $6.0M |
| 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HGTYTIRX
| Q4 25 | $160.2M | — | ||
| Q3 25 | $290.5M | — | ||
| Q2 25 | $259.6M | $28.0M | ||
| Q1 25 | $232.7M | — | ||
| Q4 24 | $178.7M | — | ||
| Q3 24 | $208.9M | — | ||
| Q2 24 | $186.4M | $27.5M | ||
| Q1 24 | $131.2M | — |
总债务HGTYTIRX
| Q4 25 | $177.9M | — | ||
| Q3 25 | $104.4M | — | ||
| Q2 25 | $153.4M | $3.5M | ||
| Q1 25 | $132.6M | — | ||
| Q4 24 | $105.0M | — | ||
| Q3 24 | $122.9M | — | ||
| Q2 24 | $98.0M | — | ||
| Q1 24 | $91.5M | — |
股东权益HGTYTIRX
| Q4 25 | $221.3M | — | ||
| Q3 25 | $211.7M | — | ||
| Q2 25 | $172.3M | $-16.1M | ||
| Q1 25 | $162.9M | — | ||
| Q4 24 | $150.3M | — | ||
| Q3 24 | $148.3M | — | ||
| Q2 24 | $94.4M | $32.3M | ||
| Q1 24 | $93.5M | — |
总资产HGTYTIRX
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $2.0B | $6.0M | ||
| Q1 25 | $1.8B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $1.7B | $38.0M | ||
| Q1 24 | $1.6B | — |
负债/权益比HGTYTIRX
| 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× | — | ||
| Q1 24 | 0.98× | — |
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 | $263.7K |
| 自由现金流经营现金流 - 资本支出 | $23.1M | $263.1K |
| 自由现金流率自由现金流/营收 | 15.3% | 13.1% |
| 资本支出强度资本支出/营收 | 4.0% | 0.0% |
| 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HGTYTIRX
| Q4 25 | $29.1M | — | ||
| Q3 25 | $92.2M | — | ||
| Q2 25 | $53.9M | $263.7K | ||
| Q1 25 | $43.8M | — | ||
| Q4 24 | $-12.6M | — | ||
| Q3 24 | $67.4M | — | ||
| Q2 24 | $64.0M | $-646.8K | ||
| Q1 24 | $58.2M | — |
自由现金流HGTYTIRX
| Q4 25 | $23.1M | — | ||
| Q3 25 | $85.2M | — | ||
| Q2 25 | $47.7M | $263.1K | ||
| Q1 25 | $38.4M | — | ||
| Q4 24 | $-16.7M | — | ||
| Q3 24 | $62.0M | — | ||
| Q2 24 | $56.6M | — | ||
| Q1 24 | $53.7M | — |
自由现金流率HGTYTIRX
| Q4 25 | 15.3% | — | ||
| Q3 25 | 44.9% | — | ||
| Q2 25 | 25.3% | 13.1% | ||
| Q1 25 | 25.9% | — | ||
| Q4 24 | -14.5% | — | ||
| Q3 24 | 39.3% | — | ||
| Q2 24 | 36.4% | — | ||
| Q1 24 | 44.7% | — |
资本支出强度HGTYTIRX
| Q4 25 | 4.0% | — | ||
| Q3 25 | 3.7% | — | ||
| Q2 25 | 3.3% | 0.0% | ||
| Q1 25 | 3.6% | — | ||
| Q4 24 | 3.5% | — | ||
| Q3 24 | 3.4% | — | ||
| Q2 24 | 4.8% | — | ||
| Q1 24 | 3.8% | — |
现金转化率HGTYTIRX
| 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× | -1.54× | ||
| Q1 24 | 7.10× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
