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哈特福德（HIG）与Raymond James Financial（RJF）财务数据对比。点击上方公司名可切换其他公司
Raymond James Financial的季度营收约是哈特福德的1.0倍（$4.2B vs $4.1B），Raymond James Financial净利率更高（13.5% vs 13.2%，领先0.3%），Raymond James Financial同比增速更快（3.5% vs -43.7%），过去两年Raymond James Financial的营收复合增速更高（7.1% 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。
雷蒙德詹姆斯金融是美国跨国独立投资银行及金融服务机构，通过旗下子公司为个人、企业及市政主体提供多元金融服务，核心业务覆盖投资与财务规划、投资银行、资产管理等领域，总部位于美国佛罗里达州圣彼得堡。
HIG vs RJF — 直观对比
营收规模更大
RJF
是对方的1.0倍
$4.1B
营收增速更快
RJF
高出47.2%
-43.7%
净利率更高
RJF
高出0.3%
13.2%
两年增速更快
RJF
近两年复合增速
-20.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $4.1B | $4.2B |
| 净利润 | $536.0M | $563.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 13.2% | 13.5% |
| 营收同比 | -43.7% | 3.5% |
| 净利润同比 | 12.0% | -6.2% |
| 每股收益（稀释后） | — | $2.79 |
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HIGRJF
| Q1 26 | $4.1B | — | ||
| Q4 25 | $7.3B | $4.2B | ||
| Q3 25 | $7.2B | $4.2B | ||
| Q2 25 | $7.0B | $3.8B | ||
| Q1 25 | $6.8B | $3.8B | ||
| Q4 24 | $6.9B | $4.0B | ||
| Q3 24 | $6.8B | $4.0B | ||
| Q2 24 | $6.5B | $3.8B |
净利润HIGRJF
| Q1 26 | $536.0M | — | ||
| Q4 25 | — | $563.0M | ||
| Q3 25 | $1.1B | $604.0M | ||
| Q2 25 | $995.0M | $436.0M | ||
| Q1 25 | $630.0M | $495.0M | ||
| Q4 24 | — | $600.0M | ||
| Q3 24 | $767.0M | $602.0M | ||
| Q2 24 | $738.0M | $492.0M |
营业利润率HIGRJF
| Q1 26 | — | — | ||
| Q4 25 | 19.3% | — | ||
| Q3 25 | 18.2% | — | ||
| Q2 25 | 17.8% | 14.7% | ||
| Q1 25 | 11.5% | 17.5% | ||
| Q4 24 | 15.6% | 18.6% | ||
| Q3 24 | 14.1% | — | ||
| Q2 24 | 14.1% | 17.1% |
净利率HIGRJF
| Q1 26 | 13.2% | — | ||
| Q4 25 | — | 13.5% | ||
| Q3 25 | 14.9% | 14.4% | ||
| Q2 25 | 14.2% | 11.3% | ||
| Q1 25 | 9.3% | 12.9% | ||
| Q4 24 | — | 14.9% | ||
| Q3 24 | 11.4% | 15.0% | ||
| Q2 24 | 11.4% | 13.1% |
每股收益（稀释后）HIGRJF
| Q1 26 | — | — | ||
| Q4 25 | $3.96 | $2.79 | ||
| Q3 25 | $3.77 | $2.96 | ||
| Q2 25 | $3.44 | $2.12 | ||
| Q1 25 | $2.15 | $2.36 | ||
| Q4 24 | $2.88 | $2.86 | ||
| Q3 24 | $2.56 | $2.85 | ||
| Q2 24 | $2.44 | $2.31 |
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 | $9.9B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $16.8M | $12.6B |
| 总资产 | $86.3M | $88.8B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资HIGRJF
| Q1 26 | $1.7M | — | ||
| Q4 25 | — | $9.9B | ||
| Q3 25 | — | $11.4B | ||
| Q2 25 | — | $9.2B | ||
| Q1 25 | — | $9.7B | ||
| Q4 24 | — | $10.0B | ||
| Q3 24 | — | $11.0B | ||
| Q2 24 | — | $9.1B |
总债务HIGRJF
| Q1 26 | — | — | ||
| Q4 25 | $4.4B | — | ||
| Q3 25 | $4.4B | — | ||
| Q2 25 | $4.4B | — | ||
| Q1 25 | $4.4B | — | ||
| Q4 24 | $4.4B | — | ||
| Q3 24 | $4.4B | — | ||
| Q2 24 | $4.4B | — |
股东权益HIGRJF
| Q1 26 | $16.8M | — | ||
| Q4 25 | $19.0B | $12.6B | ||
| Q3 25 | $18.4B | $12.5B | ||
| Q2 25 | $17.5B | $12.3B | ||
| Q1 25 | $16.8B | $12.2B | ||
| Q4 24 | $16.4B | $11.9B | ||
| Q3 24 | $17.0B | $11.7B | ||
| Q2 24 | $15.7B | $11.2B |
总资产HIGRJF
| Q1 26 | $86.3M | — | ||
| Q4 25 | $86.0B | $88.8B | ||
| Q3 25 | $85.0B | $88.2B | ||
| Q2 25 | $83.6B | $84.8B | ||
| Q1 25 | $82.3B | $83.1B | ||
| Q4 24 | $80.9B | $82.3B | ||
| Q3 24 | $81.2B | $83.0B | ||
| Q2 24 | $79.0B | $80.6B |
负债/权益比HIGRJF
| Q1 26 | — | — | ||
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.24× | — | ||
| Q2 25 | 0.25× | — | ||
| Q1 25 | 0.26× | — | ||
| Q4 24 | 0.27× | — | ||
| Q3 24 | 0.26× | — | ||
| Q2 24 | 0.28× | — |
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 | — | $-10.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-56.0M |
| 自由现金流率自由现金流/营收 | — | -1.3% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 现金转化率经营现金流/净利润 | — | -0.02× |
| 过去12个月自由现金流最近4个季度 | — | $1.4B |
8季度趋势，按日历期对齐
经营现金流HIGRJF
| Q1 26 | — | — | ||
| Q4 25 | $5.9B | $-10.0M | ||
| Q3 25 | $1.8B | $796.0M | ||
| Q2 25 | $1.3B | $691.0M | ||
| Q1 25 | $985.0M | $117.0M | ||
| Q4 24 | $5.9B | $830.0M | ||
| Q3 24 | $1.7B | $510.0M | ||
| Q2 24 | $1.3B | $711.0M |
自由现金流HIGRJF
| Q1 26 | — | — | ||
| Q4 25 | $5.8B | $-56.0M | ||
| Q3 25 | $1.8B | $752.0M | ||
| Q2 25 | $1.3B | $634.0M | ||
| Q1 25 | $947.0M | $71.0M | ||
| Q4 24 | $5.8B | $789.0M | ||
| Q3 24 | $1.6B | $460.0M | ||
| Q2 24 | $1.2B | $655.0M |
自由现金流率HIGRJF
| Q1 26 | — | — | ||
| Q4 25 | 78.4% | -1.3% | ||
| Q3 25 | 24.8% | 17.9% | ||
| Q2 25 | 17.9% | 16.5% | ||
| Q1 25 | 13.9% | 1.8% | ||
| Q4 24 | 83.8% | 19.6% | ||
| Q3 24 | 24.0% | 11.5% | ||
| Q2 24 | 18.5% | 17.4% |
资本支出强度HIGRJF
| Q1 26 | — | — | ||
| Q4 25 | 2.3% | 1.1% | ||
| Q3 25 | 0.6% | 1.1% | ||
| Q2 25 | 0.6% | 1.5% | ||
| Q1 25 | 0.6% | 1.2% | ||
| Q4 24 | 2.1% | 1.0% | ||
| Q3 24 | 0.9% | 1.2% | ||
| Q2 24 | 0.9% | 1.5% |
现金转化率HIGRJF
| Q1 26 | — | — | ||
| Q4 25 | — | -0.02× | ||
| Q3 25 | 1.70× | 1.32× | ||
| Q2 25 | 1.30× | 1.58× | ||
| Q1 25 | 1.56× | 0.24× | ||
| Q4 24 | — | 1.38× | ||
| Q3 24 | 2.19× | 0.85× | ||
| Q2 24 | 1.71× | 1.45× |
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% |
RJF
暂无分部数据
