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哈特福德（HIG）与江森自控（JCI）财务数据对比。点击上方公司名可切换其他公司
江森自控的季度营收约是哈特福德的1.4倍（$5.8B vs $4.1B），哈特福德净利率更高（13.2% vs 9.0%，领先4.1%），江森自控同比增速更快（6.8% vs -43.7%），过去两年江森自控的营收复合增速更高（-7.0% vs -20.8%）
哈特福德（The Hartford）是美国头部保险企业，位列2024年《财富》世界500强第162位，总部位于康涅狄格州哈特福德市。集团拥有200余年行业经验，在财产意外险、员工福利及共同基金领域处于领先地位，凭借优质服务、可持续运营与诚信经营广受认可。
江森自控是总部位于爱尔兰科克的跨国综合企业，专注于为各类建筑提供消防、暖通空调及安防设备，业务覆盖六大洲近2000个地点，2019年中期员工规模达10.5万人，曾位列2017年《财富》全球500强第389位。
HIG vs JCI — 直观对比
营收规模更大
JCI
是对方的1.4倍
$4.1B
营收增速更快
JCI
高出50.5%
-43.7%
净利率更高
HIG
高出4.1%
9.0%
两年增速更快
JCI
近两年复合增速
-20.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $4.1B | $5.8B |
| 净利润 | $536.0M | $524.0M |
| 毛利率 | — | 35.8% |
| 营业利润率 | — | — |
| 净利率 | 13.2% | 9.0% |
| 营收同比 | -43.7% | 6.8% |
| 净利润同比 | 12.0% | 25.1% |
| 每股收益（稀释后） | — | $0.85 |
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HIGJCI
| Q1 26 | $4.1B | — | ||
| Q4 25 | $7.3B | $5.8B | ||
| Q3 25 | $7.2B | $6.4B | ||
| Q2 25 | $7.0B | $6.1B | ||
| Q1 25 | $6.8B | $5.7B | ||
| Q4 24 | $6.9B | $5.4B | ||
| Q3 24 | $6.8B | $2.9B | ||
| Q2 24 | $6.5B | $7.2B |
净利润HIGJCI
| Q1 26 | $536.0M | — | ||
| Q4 25 | — | $524.0M | ||
| Q3 25 | $1.1B | $1.7B | ||
| Q2 25 | $995.0M | $701.0M | ||
| Q1 25 | $630.0M | $478.0M | ||
| Q4 24 | — | $419.0M | ||
| Q3 24 | $767.0M | $633.0M | ||
| Q2 24 | $738.0M | $975.0M |
毛利率HIGJCI
| Q1 26 | — | — | ||
| Q4 25 | — | 35.8% | ||
| Q3 25 | — | 36.5% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 36.5% | ||
| Q4 24 | — | 35.5% | ||
| Q3 24 | — | 48.4% | ||
| Q2 24 | — | 34.4% |
营业利润率HIGJCI
| Q1 26 | — | — | ||
| Q4 25 | 19.3% | — | ||
| Q3 25 | 18.2% | 5.5% | ||
| Q2 25 | 17.8% | 11.6% | ||
| Q1 25 | 11.5% | 8.8% | ||
| Q4 24 | 15.6% | 7.5% | ||
| Q3 24 | 14.1% | 6.9% | ||
| Q2 24 | 14.1% | 17.7% |
净利率HIGJCI
| Q1 26 | 13.2% | — | ||
| Q4 25 | — | 9.0% | ||
| Q3 25 | 14.9% | 26.3% | ||
| Q2 25 | 14.2% | 11.6% | ||
| Q1 25 | 9.3% | 8.4% | ||
| Q4 24 | — | 7.7% | ||
| Q3 24 | 11.4% | 21.6% | ||
| Q2 24 | 11.4% | 13.5% |
每股收益（稀释后）HIGJCI
| Q1 26 | — | — | ||
| Q4 25 | $3.96 | $0.85 | ||
| Q3 25 | $3.77 | $2.61 | ||
| Q2 25 | $3.44 | $1.07 | ||
| Q1 25 | $2.15 | $0.72 | ||
| Q4 24 | $2.88 | $0.63 | ||
| Q3 24 | $2.56 | $0.93 | ||
| Q2 24 | $2.44 | $1.45 |
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 | $1.7M | $552.0M |
| 总债务越低越好 | — | $8.7B |
| 股东权益账面价值 | $16.8M | $13.2B |
| 总资产 | $86.3M | $38.0B |
| 负债/权益比越低杠杆越低 | — | 0.66× |
8季度趋势，按日历期对齐
现金及短期投资HIGJCI
| Q1 26 | $1.7M | — | ||
| Q4 25 | — | $552.0M | ||
| Q3 25 | — | $379.0M | ||
| Q2 25 | — | $731.0M | ||
| Q1 25 | — | $795.0M | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $606.0M | ||
| Q2 24 | — | $862.0M |
总债务HIGJCI
| Q1 26 | — | — | ||
| Q4 25 | $4.4B | $8.7B | ||
| Q3 25 | $4.4B | $8.6B | ||
| Q2 25 | $4.4B | $8.4B | ||
| Q1 25 | $4.4B | $8.2B | ||
| Q4 24 | $4.4B | $8.6B | ||
| Q3 24 | $4.4B | $8.0B | ||
| Q2 24 | $4.4B | $7.9B |
股东权益HIGJCI
| Q1 26 | $16.8M | — | ||
| Q4 25 | $19.0B | $13.2B | ||
| Q3 25 | $18.4B | $12.9B | ||
| Q2 25 | $17.5B | $15.8B | ||
| Q1 25 | $16.8B | $15.8B | ||
| Q4 24 | $16.4B | $15.9B | ||
| Q3 24 | $17.0B | $16.1B | ||
| Q2 24 | $15.7B | $16.0B |
总资产HIGJCI
| Q1 26 | $86.3M | — | ||
| Q4 25 | $86.0B | $38.0B | ||
| Q3 25 | $85.0B | $37.9B | ||
| Q2 25 | $83.6B | $43.4B | ||
| Q1 25 | $82.3B | $42.4B | ||
| Q4 24 | $80.9B | $42.1B | ||
| Q3 24 | $81.2B | $42.7B | ||
| Q2 24 | $79.0B | $43.3B |
负债/权益比HIGJCI
| Q1 26 | — | — | ||
| Q4 25 | 0.23× | 0.66× | ||
| Q3 25 | 0.24× | 0.66× | ||
| Q2 25 | 0.25× | 0.53× | ||
| Q1 25 | 0.26× | 0.52× | ||
| Q4 24 | 0.27× | 0.54× | ||
| Q3 24 | 0.26× | 0.50× | ||
| Q2 24 | 0.28× | 0.49× |
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 | — | $611.0M |
| 自由现金流经营现金流 - 资本支出 | — | $531.0M |
| 自由现金流率自由现金流/营收 | — | 9.2% |
| 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 | — | 1.17× |
| 过去12个月自由现金流最近4个季度 | — | $2.5B |
8季度趋势，按日历期对齐
经营现金流HIGJCI
| Q1 26 | — | — | ||
| Q4 25 | $5.9B | $611.0M | ||
| Q3 25 | $1.8B | $968.0M | ||
| Q2 25 | $1.3B | $787.0M | ||
| Q1 25 | $985.0M | $550.0M | ||
| Q4 24 | $5.9B | $249.0M | ||
| Q3 24 | $1.7B | $1.4B | ||
| Q2 24 | $1.3B | $1.0B |
自由现金流HIGJCI
| Q1 26 | — | — | ||
| Q4 25 | $5.8B | $531.0M | ||
| Q3 25 | $1.8B | $838.0M | ||
| Q2 25 | $1.3B | $693.0M | ||
| Q1 25 | $947.0M | $456.0M | ||
| Q4 24 | $5.8B | $133.0M | ||
| Q3 24 | $1.6B | $1.2B | ||
| Q2 24 | $1.2B | $922.0M |
自由现金流率HIGJCI
| Q1 26 | — | — | ||
| Q4 25 | 78.4% | 9.2% | ||
| Q3 25 | 24.8% | 13.0% | ||
| Q2 25 | 17.9% | 11.5% | ||
| Q1 25 | 13.9% | 8.0% | ||
| Q4 24 | 83.8% | 2.5% | ||
| Q3 24 | 24.0% | 40.4% | ||
| Q2 24 | 18.5% | 12.8% |
资本支出强度HIGJCI
| Q1 26 | — | — | ||
| Q4 25 | 2.3% | 1.4% | ||
| Q3 25 | 0.6% | 2.0% | ||
| Q2 25 | 0.6% | 1.6% | ||
| Q1 25 | 0.6% | 1.7% | ||
| Q4 24 | 2.1% | 2.1% | ||
| Q3 24 | 0.9% | 5.8% | ||
| Q2 24 | 0.9% | 1.4% |
现金转化率HIGJCI
| Q1 26 | — | — | ||
| Q4 25 | — | 1.17× | ||
| Q3 25 | 1.70× | 0.57× | ||
| Q2 25 | 1.30× | 1.12× | ||
| Q1 25 | 1.56× | 1.15× | ||
| Q4 24 | — | 0.59× | ||
| Q3 24 | 2.19× | 2.14× | ||
| Q2 24 | 1.71× | 1.05× |
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
HIG
| Earned premiums | $3.6B | 88% |
| Other | $486.0M | 12% |
| Fee income | $12.0M | 0% |
JCI
| Productsand Systems | $3.9B | 67% |
| Services | $1.9B | 33% |
