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哈特福德（HIG）与Sempra（SRE）财务数据对比。点击上方公司名可切换其他公司
哈特福德的季度营收约是Sempra的1.2倍（$4.1B vs $3.3B），哈特福德净利率更高（13.2% vs 10.7%，领先2.4%），Sempra同比增速更快（6.9% vs -43.7%），过去两年Sempra的营收复合增速更高（-5.8% 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。
Sempra是总部位于美国加利福尼亚州圣地亚哥的北美公用事业控股企业，也是美国规模最大的公用事业控股公司之一，服务覆盖近4000万用户，在北美能源供应及公共服务领域拥有领先的市场地位与丰富的运营经验。
HIG vs SRE — 直观对比
营收规模更大
HIG
是对方的1.2倍
$3.3B
营收增速更快
SRE
高出50.6%
-43.7%
净利率更高
HIG
高出2.4%
10.7%
两年增速更快
SRE
近两年复合增速
-20.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $4.1B | $3.3B |
| 净利润 | $536.0M | $352.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 7.2% |
| 净利率 | 13.2% | 10.7% |
| 营收同比 | -43.7% | 6.9% |
| 净利润同比 | 12.0% | -47.9% |
| 每股收益（稀释后） | — | $0.53 |
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HIGSRE
| Q1 26 | $4.1B | — | ||
| Q4 25 | $7.3B | $3.3B | ||
| Q3 25 | $7.2B | $2.8B | ||
| Q2 25 | $7.0B | $2.7B | ||
| Q1 25 | $6.8B | $3.7B | ||
| Q4 24 | $6.9B | $3.1B | ||
| Q3 24 | $6.8B | $2.6B | ||
| Q2 24 | $6.5B | $2.5B |
净利润HIGSRE
| Q1 26 | $536.0M | — | ||
| Q4 25 | — | $352.0M | ||
| Q3 25 | $1.1B | $95.0M | ||
| Q2 25 | $995.0M | $473.0M | ||
| Q1 25 | $630.0M | $917.0M | ||
| Q4 24 | — | $676.0M | ||
| Q3 24 | $767.0M | $649.0M | ||
| Q2 24 | $738.0M | $725.0M |
营业利润率HIGSRE
| Q1 26 | — | — | ||
| Q4 25 | 19.3% | 7.2% | ||
| Q3 25 | 18.2% | 10.6% | ||
| Q2 25 | 17.8% | 17.3% | ||
| Q1 25 | 11.5% | 21.5% | ||
| Q4 24 | 15.6% | 35.0% | ||
| Q3 24 | 14.1% | 12.9% | ||
| Q2 24 | 14.1% | 18.8% |
净利率HIGSRE
| Q1 26 | 13.2% | — | ||
| Q4 25 | — | 10.7% | ||
| Q3 25 | 14.9% | 3.4% | ||
| Q2 25 | 14.2% | 17.5% | ||
| Q1 25 | 9.3% | 24.9% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | 11.4% | 25.3% | ||
| Q2 24 | 11.4% | 29.2% |
每股收益（稀释后）HIGSRE
| Q1 26 | — | — | ||
| Q4 25 | $3.96 | $0.53 | ||
| Q3 25 | $3.77 | $0.12 | ||
| Q2 25 | $3.44 | $0.71 | ||
| Q1 25 | $2.15 | $1.39 | ||
| Q4 24 | $2.88 | $1.04 | ||
| Q3 24 | $2.56 | $1.00 | ||
| Q2 24 | $2.44 | $1.12 |
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 | $29.0M |
| 总债务越低越好 | — | $29.0B |
| 股东权益账面价值 | $16.8M | $31.6B |
| 总资产 | $86.3M | $110.9B |
| 负债/权益比越低杠杆越低 | — | 0.92× |
8季度趋势，按日历期对齐
现金及短期投资HIGSRE
| Q1 26 | $1.7M | — | ||
| Q4 25 | — | $29.0M | ||
| Q3 25 | — | $5.0M | ||
| Q2 25 | — | $155.0M | ||
| Q1 25 | — | $1.7B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $560.0M | ||
| Q2 24 | — | $228.0M |
总债务HIGSRE
| Q1 26 | — | — | ||
| Q4 25 | $4.4B | $29.0B | ||
| Q3 25 | $4.4B | $29.0B | ||
| Q2 25 | $4.4B | $34.9B | ||
| Q1 25 | $4.4B | $33.3B | ||
| Q4 24 | $4.4B | $31.6B | ||
| Q3 24 | $4.4B | $31.0B | ||
| Q2 24 | $4.4B | $29.0B |
股东权益HIGSRE
| Q1 26 | $16.8M | — | ||
| Q4 25 | $19.0B | $31.6B | ||
| Q3 25 | $18.4B | $31.2B | ||
| Q2 25 | $17.5B | $31.7B | ||
| Q1 25 | $16.8B | $31.6B | ||
| Q4 24 | $16.4B | $31.2B | ||
| Q3 24 | $17.0B | $29.7B | ||
| Q2 24 | $15.7B | $29.5B |
总资产HIGSRE
| Q1 26 | $86.3M | — | ||
| Q4 25 | $86.0B | $110.9B | ||
| Q3 25 | $85.0B | $106.9B | ||
| Q2 25 | $83.6B | $99.9B | ||
| Q1 25 | $82.3B | $99.0B | ||
| Q4 24 | $80.9B | $96.2B | ||
| Q3 24 | $81.2B | $93.7B | ||
| Q2 24 | $79.0B | $90.5B |
负债/权益比HIGSRE
| Q1 26 | — | — | ||
| Q4 25 | 0.23× | 0.92× | ||
| Q3 25 | 0.24× | 0.93× | ||
| Q2 25 | 0.25× | 1.10× | ||
| Q1 25 | 0.26× | 1.05× | ||
| Q4 24 | 0.27× | 1.01× | ||
| Q3 24 | 0.26× | 1.04× | ||
| Q2 24 | 0.28× | 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 | — | $1.2B |
| 自由现金流经营现金流 - 资本支出 | — | $-2.2B |
| 自由现金流率自由现金流/营收 | — | -67.7% |
| 资本支出强度资本支出/营收 | — | 104.0% |
| 现金转化率经营现金流/净利润 | — | 3.38× |
| 过去12个月自由现金流最近4个季度 | — | $-6.0B |
8季度趋势，按日历期对齐
经营现金流HIGSRE
| Q1 26 | — | — | ||
| Q4 25 | $5.9B | $1.2B | ||
| Q3 25 | $1.8B | $1.1B | ||
| Q2 25 | $1.3B | $784.0M | ||
| Q1 25 | $985.0M | $1.5B | ||
| Q4 24 | $5.9B | $1.4B | ||
| Q3 24 | $1.7B | $1.0B | ||
| Q2 24 | $1.3B | $669.0M |
自由现金流HIGSRE
| Q1 26 | — | — | ||
| Q4 25 | $5.8B | $-2.2B | ||
| Q3 25 | $1.8B | $-1.5B | ||
| Q2 25 | $1.3B | $-1.5B | ||
| Q1 25 | $947.0M | $-854.0M | ||
| Q4 24 | $5.8B | $-1.1B | ||
| Q3 24 | $1.6B | $-913.0M | ||
| Q2 24 | $1.2B | $-1.2B |
自由现金流率HIGSRE
| Q1 26 | — | — | ||
| Q4 25 | 78.4% | -67.7% | ||
| Q3 25 | 24.8% | -52.6% | ||
| Q2 25 | 17.9% | -56.3% | ||
| Q1 25 | 13.9% | -23.2% | ||
| Q4 24 | 83.8% | -35.4% | ||
| Q3 24 | 24.0% | -35.5% | ||
| Q2 24 | 18.5% | -49.4% |
资本支出强度HIGSRE
| Q1 26 | — | — | ||
| Q4 25 | 2.3% | 104.0% | ||
| Q3 25 | 0.6% | 92.9% | ||
| Q2 25 | 0.6% | 85.3% | ||
| Q1 25 | 0.6% | 63.5% | ||
| Q4 24 | 2.1% | 79.9% | ||
| Q3 24 | 0.9% | 75.3% | ||
| Q2 24 | 0.9% | 76.4% |
现金转化率HIGSRE
| Q1 26 | — | — | ||
| Q4 25 | — | 3.38× | ||
| Q3 25 | 1.70× | 11.68× | ||
| Q2 25 | 1.30× | 1.66× | ||
| Q1 25 | 1.56× | 1.62× | ||
| Q4 24 | — | 2.02× | ||
| Q3 24 | 2.19× | 1.57× | ||
| Q2 24 | 1.71× | 0.92× |
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% |
SRE
暂无分部数据
