vs
Heritage Insurance Holdings, Inc.（HRTG）与GIBRALTAR INDUSTRIES, INC.（ROCK）财务数据对比。点击上方公司名可切换其他公司
GIBRALTAR INDUSTRIES, INC.的季度营收约是Heritage Insurance Holdings, Inc.的1.0倍（$225.0M vs $215.3M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 2.4%），Heritage Insurance Holdings, Inc.自由现金流更多（$174.2M vs $26.2M），过去两年Heritage Insurance Holdings, Inc.的营收复合增速更高（6.1% vs -12.3%）
该公司是一家位于美国佛罗里达州的财产意外保险公司，在美国多个沿海州开展业务，主要为客户提供商业保险、住宅保险、房主保险以及洪水保险等各类财产意外保障产品。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
HRTG vs ROCK — 直观对比
营收规模更大
ROCK
是对方的1.0倍
$215.3M
营收增速更快
ROCK
高出22.5%
2.4%
自由现金流更多
HRTG
多$147.9M
$26.2M
两年增速更快
HRTG
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $215.3M | $225.0M |
| 净利润 | $66.7M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | 41.6% | 7.9% |
| 净利率 | 31.0% | — |
| 营收同比 | 2.4% | 24.9% |
| 净利润同比 | 228.6% | — |
| 每股收益（稀释后） | $2.15 | — |
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HRTGROCK
| Q4 25 | $215.3M | $225.0M | ||
| Q3 25 | $212.5M | $310.9M | ||
| Q2 25 | $208.0M | $309.5M | ||
| Q1 25 | $211.5M | $290.0M | ||
| Q4 24 | $210.3M | $180.1M | ||
| Q3 24 | $211.8M | $277.1M | ||
| Q2 24 | $203.6M | $273.6M | ||
| Q1 24 | $191.3M | $292.5M |
净利润HRTGROCK
| Q4 25 | $66.7M | — | ||
| Q3 25 | $50.4M | $-89.1M | ||
| Q2 25 | $48.0M | $26.0M | ||
| Q1 25 | $30.5M | $21.1M | ||
| Q4 24 | $20.3M | — | ||
| Q3 24 | $8.2M | $34.0M | ||
| Q2 24 | $18.9M | $32.2M | ||
| Q1 24 | $14.2M | $24.9M |
毛利率HRTGROCK
| Q4 25 | — | 25.3% | ||
| Q3 25 | — | 26.6% | ||
| Q2 25 | — | 28.4% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 29.0% | ||
| Q3 24 | — | 29.4% | ||
| Q2 24 | — | 30.5% | ||
| Q1 24 | — | 28.9% |
营业利润率HRTGROCK
| Q4 25 | 41.6% | 7.9% | ||
| Q3 25 | 33.0% | 12.8% | ||
| Q2 25 | 31.2% | 12.8% | ||
| Q1 25 | 20.1% | 8.8% | ||
| Q4 24 | 15.0% | 13.3% | ||
| Q3 24 | 5.5% | 15.6% | ||
| Q2 24 | 13.6% | 14.9% | ||
| Q1 24 | 11.9% | 10.8% |
净利率HRTGROCK
| Q4 25 | 31.0% | — | ||
| Q3 25 | 23.7% | -28.6% | ||
| Q2 25 | 23.1% | 8.4% | ||
| Q1 25 | 14.4% | 7.3% | ||
| Q4 24 | 9.7% | — | ||
| Q3 24 | 3.8% | 12.3% | ||
| Q2 24 | 9.3% | 11.8% | ||
| Q1 24 | 7.4% | 8.5% |
每股收益（稀释后）HRTGROCK
| Q4 25 | $2.15 | — | ||
| Q3 25 | $1.63 | $-2.98 | ||
| Q2 25 | $1.55 | $0.87 | ||
| Q1 25 | $0.99 | — | ||
| Q4 24 | $0.66 | — | ||
| Q3 24 | $0.27 | $1.11 | ||
| Q2 24 | $0.61 | $1.05 | ||
| Q1 24 | $0.47 | — |
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 | $559.3M | $115.7M |
| 总债务越低越好 | $78.4M | $0 |
| 股东权益账面价值 | $505.3M | $950.4M |
| 总资产 | $2.2B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.16× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资HRTGROCK
| Q4 25 | $559.3M | $115.7M | ||
| Q3 25 | $560.4M | $89.4M | ||
| Q2 25 | $473.5M | $43.3M | ||
| Q1 25 | $425.9M | $25.1M | ||
| Q4 24 | $452.7M | $269.5M | ||
| Q3 24 | $509.9M | $228.9M | ||
| Q2 24 | $480.9M | $179.1M | ||
| Q1 24 | $386.1M | $146.7M |
总债务HRTGROCK
| Q4 25 | $78.4M | $0 | ||
| Q3 25 | $79.3M | $0 | ||
| Q2 25 | $92.4M | $0 | ||
| Q1 25 | $94.8M | $0 | ||
| Q4 24 | $116.3M | $0 | ||
| Q3 24 | $118.6M | $0 | ||
| Q2 24 | $120.8M | $0 | ||
| Q1 24 | $123.0M | $0 |
股东权益HRTGROCK
| Q4 25 | $505.3M | $950.4M | ||
| Q3 25 | $437.3M | $951.8M | ||
| Q2 25 | $383.3M | $1.0B | ||
| Q1 25 | $329.0M | $1.0B | ||
| Q4 24 | $290.8M | $1.0B | ||
| Q3 24 | $279.3M | $1.0B | ||
| Q2 24 | $255.3M | $975.7M | ||
| Q1 24 | $234.9M | $940.2M |
总资产HRTGROCK
| Q4 25 | $2.2B | $1.4B | ||
| Q3 25 | $2.4B | $1.4B | ||
| Q2 25 | $2.5B | $1.5B | ||
| Q1 25 | $2.2B | $1.4B | ||
| Q4 24 | $2.5B | $1.4B | ||
| Q3 24 | $2.4B | $1.4B | ||
| Q2 24 | $2.6B | $1.4B | ||
| Q1 24 | $2.1B | $1.3B |
负债/权益比HRTGROCK
| Q4 25 | 0.16× | 0.00× | ||
| Q3 25 | 0.18× | 0.00× | ||
| Q2 25 | 0.24× | 0.00× | ||
| Q1 25 | 0.29× | 0.00× | ||
| Q4 24 | 0.40× | 0.00× | ||
| Q3 24 | 0.42× | 0.00× | ||
| Q2 24 | 0.47× | 0.00× | ||
| Q1 24 | 0.52× | 0.00× |
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 | $182.2M | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $174.2M | $26.2M |
| 自由现金流率自由现金流/营收 | 80.9% | 11.7% |
| 资本支出强度资本支出/营收 | 3.7% | 4.1% |
| 现金转化率经营现金流/净利润 | 2.73× | — |
| 过去12个月自由现金流最近4个季度 | $337.4M | $120.6M |
8季度趋势，按日历期对齐
经营现金流HRTGROCK
| Q4 25 | $182.2M | $35.5M | ||
| Q3 25 | $124.3M | $73.0M | ||
| Q2 25 | $43.3M | $44.9M | ||
| Q1 25 | $837.0K | $13.7M | ||
| Q4 24 | $87.1M | $19.9M | ||
| Q3 24 | $-13.4M | $64.7M | ||
| Q2 24 | $152.2M | $36.5M | ||
| Q1 24 | $4.3M | $53.2M |
自由现金流HRTGROCK
| Q4 25 | $174.2M | $26.2M | ||
| Q3 25 | $122.7M | $64.8M | ||
| Q2 25 | $41.8M | $27.3M | ||
| Q1 25 | $-1.3M | $2.3M | ||
| Q4 24 | $78.9M | $14.1M | ||
| Q3 24 | $-16.3M | $60.5M | ||
| Q2 24 | $149.8M | $33.5M | ||
| Q1 24 | $4.1M | $48.8M |
自由现金流率HRTGROCK
| Q4 25 | 80.9% | 11.7% | ||
| Q3 25 | 57.8% | 20.8% | ||
| Q2 25 | 20.1% | 8.8% | ||
| Q1 25 | -0.6% | 0.8% | ||
| Q4 24 | 37.5% | 7.8% | ||
| Q3 24 | -7.7% | 21.8% | ||
| Q2 24 | 73.6% | 12.2% | ||
| Q1 24 | 2.1% | 16.7% |
资本支出强度HRTGROCK
| Q4 25 | 3.7% | 4.1% | ||
| Q3 25 | 0.7% | 2.6% | ||
| Q2 25 | 0.7% | 5.7% | ||
| Q1 25 | 1.0% | 3.9% | ||
| Q4 24 | 3.9% | 3.3% | ||
| Q3 24 | 1.4% | 1.5% | ||
| Q2 24 | 1.2% | 1.1% | ||
| Q1 24 | 0.1% | 1.5% |
现金转化率HRTGROCK
| Q4 25 | 2.73× | — | ||
| Q3 25 | 2.47× | — | ||
| Q2 25 | 0.90× | 1.73× | ||
| Q1 25 | 0.03× | 0.65× | ||
| Q4 24 | 4.29× | — | ||
| Q3 24 | -1.64× | 1.90× | ||
| Q2 24 | 8.07× | 1.13× | ||
| Q1 24 | 0.30× | 2.13× |
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
HRTG
暂无分部数据
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
