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哈特福德（HIG）与皇家加勒比集团（RCL）财务数据对比。点击上方公司名可切换其他公司
皇家加勒比集团的季度营收约是哈特福德的1.0倍（$4.3B vs $4.1B），皇家加勒比集团净利率更高（17.9% vs 13.2%，领先4.7%），哈特福德同比增速更快（309.0% vs 13.2%），过去两年皇家加勒比集团的营收复合增速更高（1.8% 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。
皇家加勒比集团前身为皇家加勒比邮轮有限公司，是仅次于嘉年华公司的全球第二大邮轮运营商。集团总部位于美国佛罗里达州迈阿密，在利比里亚注册，目前全资拥有皇家加勒比国际游轮、名人邮轮、银海邮轮三大品牌，还持有途易邮轮50%的股份。
HIG vs RCL — 直观对比
营收规模更大
RCL
是对方的1.0倍
$4.1B
营收增速更快
HIG
高出295.8%
13.2%
净利率更高
RCL
高出4.7%
13.2%
两年增速更快
RCL
近两年复合增速
-20.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $4.1B | $4.3B |
| 净利润 | $536.0M | $762.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 21.9% |
| 净利率 | 13.2% | 17.9% |
| 营收同比 | 309.0% | 13.2% |
| 净利润同比 | 12.0% | 36.3% |
| 每股收益（稀释后） | — | $2.76 |
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HIGRCL
| Q1 26 | $4.1B | $4.3B | ||
| Q4 25 | $7.3B | $4.3B | ||
| Q3 25 | $7.2B | $5.1B | ||
| Q2 25 | $7.0B | $4.5B | ||
| Q1 25 | $6.8B | $4.0B | ||
| Q4 24 | $6.9B | $3.8B | ||
| Q3 24 | $6.8B | $4.9B | ||
| Q2 24 | $6.5B | $4.1B |
净利润HIGRCL
| Q1 26 | $536.0M | $762.0M | ||
| Q4 25 | — | $753.0M | ||
| Q3 25 | $1.1B | $1.6B | ||
| Q2 25 | $995.0M | $1.2B | ||
| Q1 25 | $630.0M | $730.0M | ||
| Q4 24 | — | $552.0M | ||
| Q3 24 | $767.0M | $1.1B | ||
| Q2 24 | $738.0M | $854.0M |
毛利率HIGRCL
| Q1 26 | — | — | ||
| Q4 25 | — | 47.4% | ||
| Q3 25 | — | 51.8% | ||
| Q2 25 | — | 49.7% | ||
| Q1 25 | — | 48.0% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 51.1% | ||
| Q2 24 | — | 47.6% |
营业利润率HIGRCL
| Q1 26 | — | 21.9% | ||
| Q4 25 | 19.3% | 21.9% | ||
| Q3 25 | 18.2% | 33.1% | ||
| Q2 25 | 17.8% | 29.3% | ||
| Q1 25 | 11.5% | 23.6% | ||
| Q4 24 | 15.6% | 16.6% | ||
| Q3 24 | 14.1% | 33.4% | ||
| Q2 24 | 14.1% | 26.7% |
净利率HIGRCL
| Q1 26 | 13.2% | 17.9% | ||
| Q4 25 | — | 17.7% | ||
| Q3 25 | 14.9% | 30.6% | ||
| Q2 25 | 14.2% | 26.7% | ||
| Q1 25 | 9.3% | 18.3% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | 11.4% | 22.7% | ||
| Q2 24 | 11.4% | 20.8% |
每股收益（稀释后）HIGRCL
| Q1 26 | — | $2.76 | ||
| Q4 25 | $3.96 | $2.76 | ||
| Q3 25 | $3.77 | $5.74 | ||
| Q2 25 | $3.44 | $4.41 | ||
| Q1 25 | $2.15 | $2.70 | ||
| Q4 24 | $2.88 | $2.27 | ||
| Q3 24 | $2.56 | $4.21 | ||
| Q2 24 | $2.44 | $3.11 |
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 | $825.0M |
| 总债务越低越好 | — | $21.3B |
| 股东权益账面价值 | $16.8M | $10.2B |
| 总资产 | $86.3M | $41.6B |
| 负债/权益比越低杠杆越低 | — | 2.08× |
8季度趋势，按日历期对齐
现金及短期投资HIGRCL
| Q1 26 | $1.7M | $825.0M | ||
| Q4 25 | — | $825.0M | ||
| Q3 25 | — | $432.0M | ||
| Q2 25 | — | $735.0M | ||
| Q1 25 | — | $386.0M | ||
| Q4 24 | — | $388.0M | ||
| Q3 24 | — | $418.0M | ||
| Q2 24 | — | $391.0M |
总债务HIGRCL
| Q1 26 | — | $21.3B | ||
| Q4 25 | $4.4B | $18.2B | ||
| Q3 25 | $4.4B | $17.2B | ||
| Q2 25 | $4.4B | $17.6B | ||
| Q1 25 | $4.4B | $18.0B | ||
| Q4 24 | $4.4B | $18.5B | ||
| Q3 24 | $4.4B | $19.0B | ||
| Q2 24 | $4.4B | $19.8B |
股东权益HIGRCL
| Q1 26 | $16.8M | $10.2B | ||
| Q4 25 | $19.0B | $10.0B | ||
| Q3 25 | $18.4B | $10.1B | ||
| Q2 25 | $17.5B | $9.2B | ||
| Q1 25 | $16.8B | $8.0B | ||
| Q4 24 | $16.4B | $7.6B | ||
| Q3 24 | $17.0B | $7.0B | ||
| Q2 24 | $15.7B | $6.0B |
总资产HIGRCL
| Q1 26 | $86.3M | $41.6B | ||
| Q4 25 | $86.0B | $41.6B | ||
| Q3 25 | $85.0B | $40.1B | ||
| Q2 25 | $83.6B | $38.5B | ||
| Q1 25 | $82.3B | $37.5B | ||
| Q4 24 | $80.9B | $37.1B | ||
| Q3 24 | $81.2B | $37.1B | ||
| Q2 24 | $79.0B | $37.0B |
负债/权益比HIGRCL
| Q1 26 | — | 2.08× | ||
| Q4 25 | 0.23× | 1.81× | ||
| Q3 25 | 0.24× | 1.70× | ||
| Q2 25 | 0.25× | 1.92× | ||
| Q1 25 | 0.26× | 2.26× | ||
| Q4 24 | 0.27× | 2.44× | ||
| Q3 24 | 0.26× | 2.69× | ||
| Q2 24 | 0.28× | 3.29× |
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 | — | $6.5B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 8.48× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流HIGRCL
| Q1 26 | — | $6.5B | ||
| Q4 25 | $5.9B | $1.6B | ||
| Q3 25 | $1.8B | $1.5B | ||
| Q2 25 | $1.3B | $1.7B | ||
| Q1 25 | $985.0M | $1.6B | ||
| Q4 24 | $5.9B | $1.5B | ||
| Q3 24 | $1.7B | $897.0M | ||
| Q2 24 | $1.3B | $1.6B |
自由现金流HIGRCL
| Q1 26 | — | — | ||
| Q4 25 | $5.8B | $116.0M | ||
| Q3 25 | $1.8B | $-989.0M | ||
| Q2 25 | $1.3B | $910.0M | ||
| Q1 25 | $947.0M | $1.2B | ||
| Q4 24 | $5.8B | $915.0M | ||
| Q3 24 | $1.6B | $563.0M | ||
| Q2 24 | $1.2B | $-567.0M |
自由现金流率HIGRCL
| Q1 26 | — | — | ||
| Q4 25 | 78.4% | 2.7% | ||
| Q3 25 | 24.8% | -19.2% | ||
| Q2 25 | 17.9% | 20.1% | ||
| Q1 25 | 13.9% | 30.0% | ||
| Q4 24 | 83.8% | 24.3% | ||
| Q3 24 | 24.0% | 11.5% | ||
| Q2 24 | 18.5% | -13.8% |
资本支出强度HIGRCL
| Q1 26 | — | — | ||
| Q4 25 | 2.3% | 35.4% | ||
| Q3 25 | 0.6% | 47.8% | ||
| Q2 25 | 0.6% | 18.4% | ||
| Q1 25 | 0.6% | 10.7% | ||
| Q4 24 | 2.1% | 14.7% | ||
| Q3 24 | 0.9% | 6.8% | ||
| Q2 24 | 0.9% | 52.1% |
现金转化率HIGRCL
| Q1 26 | — | 8.48× | ||
| Q4 25 | — | 2.16× | ||
| Q3 25 | 1.70× | 0.93× | ||
| Q2 25 | 1.30× | 1.44× | ||
| Q1 25 | 1.56× | 2.23× | ||
| Q4 24 | — | 2.66× | ||
| Q3 24 | 2.19× | 0.81× | ||
| Q2 24 | 1.71× | 1.84× |
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% |
RCL
暂无分部数据
