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哈特福德（HIG）与道富集团（STT）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道富集团的1.1倍（$4.1B vs $3.7B），道富集团净利率更高（20.4% vs 13.2%，领先7.2%），道富集团同比增速更快（7.5% vs -43.7%），过去两年道富集团的营收复合增速更高（8.1% 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。
道富集团是总部位于美国波士顿的跨国金融服务及银行控股公司，历史可追溯至1792年成立的联合银行，是美国运营历史第二悠久的存续银行。作为全球顶尖的资产管理与托管机构，截至2025年第三季度，其管理资产规模约5.4万亿美元，托管及管理资产总规模达51.7万亿美元。
HIG vs STT — 直观对比
营收规模更大
HIG
是对方的1.1倍
$3.7B
营收增速更快
STT
高出51.1%
-43.7%
净利率更高
STT
高出7.2%
13.2%
两年增速更快
STT
近两年复合增速
-20.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $4.1B | $3.7B |
| 净利润 | $536.0M | $747.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 25.0% |
| 净利率 | 13.2% | 20.4% |
| 营收同比 | -43.7% | 7.5% |
| 净利润同比 | 12.0% | -4.6% |
| 每股收益（稀释后） | — | $2.41 |
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HIGSTT
| Q1 26 | $4.1B | — | ||
| Q4 25 | $7.3B | $3.7B | ||
| Q3 25 | $7.2B | $3.5B | ||
| Q2 25 | $7.0B | $3.4B | ||
| Q1 25 | $6.8B | $3.3B | ||
| Q4 24 | $6.9B | $3.4B | ||
| Q3 24 | $6.8B | $3.3B | ||
| Q2 24 | $6.5B | $3.2B |
净利润HIGSTT
| Q1 26 | $536.0M | — | ||
| Q4 25 | — | $747.0M | ||
| Q3 25 | $1.1B | $861.0M | ||
| Q2 25 | $995.0M | $693.0M | ||
| Q1 25 | $630.0M | $644.0M | ||
| Q4 24 | — | $783.0M | ||
| Q3 24 | $767.0M | $730.0M | ||
| Q2 24 | $738.0M | $711.0M |
营业利润率HIGSTT
| Q1 26 | — | — | ||
| Q4 25 | 19.3% | 25.0% | ||
| Q3 25 | 18.2% | 31.1% | ||
| Q2 25 | 17.8% | 25.8% | ||
| Q1 25 | 11.5% | 25.0% | ||
| Q4 24 | 15.6% | 28.1% | ||
| Q3 24 | 14.1% | 28.4% | ||
| Q2 24 | 14.1% | 28.6% |
净利率HIGSTT
| Q1 26 | 13.2% | — | ||
| Q4 25 | — | 20.4% | ||
| Q3 25 | 14.9% | 24.3% | ||
| Q2 25 | 14.2% | 20.1% | ||
| Q1 25 | 9.3% | 19.6% | ||
| Q4 24 | — | 22.9% | ||
| Q3 24 | 11.4% | 22.4% | ||
| Q2 24 | 11.4% | 22.3% |
每股收益（稀释后）HIGSTT
| Q1 26 | — | — | ||
| Q4 25 | $3.96 | $2.41 | ||
| Q3 25 | $3.77 | $2.78 | ||
| Q2 25 | $3.44 | $2.17 | ||
| Q1 25 | $2.15 | $2.04 | ||
| Q4 24 | $2.88 | $2.43 | ||
| Q3 24 | $2.56 | $2.26 | ||
| Q2 24 | $2.44 | $2.15 |
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 | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $16.8M | $27.8B |
| 总资产 | $86.3M | $366.0B |
| 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HIGSTT
| Q1 26 | $1.7M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务HIGSTT
| 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HIGSTT
| Q1 26 | $16.8M | — | ||
| Q4 25 | $19.0B | $27.8B | ||
| Q3 25 | $18.4B | $27.6B | ||
| Q2 25 | $17.5B | $27.3B | ||
| Q1 25 | $16.8B | $26.7B | ||
| Q4 24 | $16.4B | $25.3B | ||
| Q3 24 | $17.0B | $25.8B | ||
| Q2 24 | $15.7B | $24.8B |
总资产HIGSTT
| Q1 26 | $86.3M | — | ||
| Q4 25 | $86.0B | $366.0B | ||
| Q3 25 | $85.0B | $371.1B | ||
| Q2 25 | $83.6B | $376.7B | ||
| Q1 25 | $82.3B | $372.7B | ||
| Q4 24 | $80.9B | $353.2B | ||
| Q3 24 | $81.2B | $338.5B | ||
| Q2 24 | $79.0B | $325.6B |
负债/权益比HIGSTT
| 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 | — | $10.0B |
| 自由现金流经营现金流 - 资本支出 | — | $9.8B |
| 自由现金流率自由现金流/营收 | — | 266.6% |
| 资本支出强度资本支出/营收 | — | 7.3% |
| 现金转化率经营现金流/净利润 | — | 13.44× |
| 过去12个月自由现金流最近4个季度 | — | $10.8B |
8季度趋势，按日历期对齐
经营现金流HIGSTT
| Q1 26 | — | — | ||
| Q4 25 | $5.9B | $10.0B | ||
| Q3 25 | $1.8B | $7.9B | ||
| Q2 25 | $1.3B | $-8.4B | ||
| Q1 25 | $985.0M | $2.4B | ||
| Q4 24 | $5.9B | $-7.4B | ||
| Q3 24 | $1.7B | $2.7B | ||
| Q2 24 | $1.3B | $-7.6B |
自由现金流HIGSTT
| Q1 26 | — | — | ||
| Q4 25 | $5.8B | $9.8B | ||
| Q3 25 | $1.8B | $7.7B | ||
| Q2 25 | $1.3B | $-8.8B | ||
| Q1 25 | $947.0M | $2.2B | ||
| Q4 24 | $5.8B | $-7.7B | ||
| Q3 24 | $1.6B | $2.5B | ||
| Q2 24 | $1.2B | $-7.9B |
自由现金流率HIGSTT
| Q1 26 | — | — | ||
| Q4 25 | 78.4% | 266.6% | ||
| Q3 25 | 24.8% | 216.0% | ||
| Q2 25 | 17.9% | -254.1% | ||
| Q1 25 | 13.9% | 66.1% | ||
| Q4 24 | 83.8% | -225.1% | ||
| Q3 24 | 24.0% | 75.9% | ||
| Q2 24 | 18.5% | -246.2% |
资本支出强度HIGSTT
| Q1 26 | — | — | ||
| Q4 25 | 2.3% | 7.3% | ||
| Q3 25 | 0.6% | 6.9% | ||
| Q2 25 | 0.6% | 9.3% | ||
| Q1 25 | 0.6% | 6.9% | ||
| Q4 24 | 2.1% | 7.3% | ||
| Q3 24 | 0.9% | 7.2% | ||
| Q2 24 | 0.9% | 6.7% |
现金转化率HIGSTT
| Q1 26 | — | — | ||
| Q4 25 | — | 13.44× | ||
| Q3 25 | 1.70× | 9.18× | ||
| Q2 25 | 1.30× | -12.18× | ||
| Q1 25 | 1.56× | 3.72× | ||
| Q4 24 | — | -9.49× | ||
| Q3 24 | 2.19× | 3.71× | ||
| Q2 24 | 1.71× | -10.75× |
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% |
STT
| Other | $2.2B | 59% |
| Investment Management | $729.0M | 20% |
| Management Services | $662.0M | 18% |
| Other Fee Revenue | $56.0M | 2% |
| Securities Financing Services | $54.0M | 1% |
