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赫兹（HTZ）与Unum Group（UNM）财务数据对比。点击上方公司名可切换其他公司
Unum Group的季度营收约是赫兹的1.7倍（$3.4B vs $2.0B），Unum Group净利率更高（6.9% vs -9.6%，领先16.5%），Unum Group同比增速更快（8.5% vs -0.6%），过去两年Unum Group的营收复合增速更高（1.9% vs -1.3%）
赫兹全球控股是美国知名汽车租赁企业，总部位于佛罗里达州埃斯特罗。公司运营赫兹同名核心品牌，同时拥有Dollar、Firefly、Thrifty等多个汽车租赁子品牌，业务覆盖全球广泛市场，为客户提供多元出行租赁解决方案。
Unum Group是美国财富500强保险企业，总部位于田纳西州查塔努加，前身为1848年成立的联合相互保险公司，1999年合并后曾用名UnumProvident至2007年。集团现设四大业务板块，覆盖美、英、波兰市场，旗下承保主体包括保罗里维尔人寿保险、普罗维登斯人伤意外险公司等。
HTZ vs UNM — 直观对比
营收规模更大
UNM
是对方的1.7倍
$2.0B
营收增速更快
UNM
高出9.1%
-0.6%
净利率更高
UNM
高出16.5%
-9.6%
两年增速更快
UNM
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.0B | $3.4B |
| 净利润 | $-194.0M | $232.0M |
| 毛利率 | — | — |
| 营业利润率 | -11.0% | — |
| 净利率 | -9.6% | 6.9% |
| 营收同比 | -0.6% | 8.5% |
| 净利润同比 | 59.5% | 22.7% |
| 每股收益（稀释后） | $-0.46 | — |
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HTZUNM
| Q1 26 | — | $3.4B | ||
| Q4 25 | $2.0B | $3.2B | ||
| Q3 25 | $2.5B | $3.4B | ||
| Q2 25 | $2.2B | $3.4B | ||
| Q1 25 | $1.8B | $3.1B | ||
| Q4 24 | $2.0B | $3.2B | ||
| Q3 24 | $2.6B | $3.2B | ||
| Q2 24 | $2.4B | $3.2B |
净利润HTZUNM
| Q1 26 | — | $232.0M | ||
| Q4 25 | $-194.0M | $174.1M | ||
| Q3 25 | $184.0M | $39.7M | ||
| Q2 25 | $-294.0M | $335.6M | ||
| Q1 25 | $-443.0M | $189.1M | ||
| Q4 24 | $-479.0M | $348.7M | ||
| Q3 24 | $-1.3B | $645.7M | ||
| Q2 24 | $-865.0M | $389.5M |
营业利润率HTZUNM
| Q1 26 | — | — | ||
| Q4 25 | -11.0% | 6.7% | ||
| Q3 25 | 9.4% | 1.6% | ||
| Q2 25 | -14.5% | 12.4% | ||
| Q1 25 | -29.0% | 7.9% | ||
| Q4 24 | -27.6% | 13.8% | ||
| Q3 24 | -62.9% | 15.6% | ||
| Q2 24 | -20.1% | 15.3% |
净利率HTZUNM
| Q1 26 | — | 6.9% | ||
| Q4 25 | -9.6% | 5.4% | ||
| Q3 25 | 7.4% | 1.2% | ||
| Q2 25 | -13.5% | 10.0% | ||
| Q1 25 | -24.4% | 6.1% | ||
| Q4 24 | -23.5% | 10.8% | ||
| Q3 24 | -51.7% | 20.1% | ||
| Q2 24 | -36.8% | 12.0% |
每股收益（稀释后）HTZUNM
| Q1 26 | — | — | ||
| Q4 25 | $-0.46 | $1.06 | ||
| Q3 25 | $0.42 | $0.23 | ||
| Q2 25 | $-0.95 | $1.92 | ||
| Q1 25 | $-1.44 | $1.06 | ||
| Q4 24 | $-1.57 | $1.91 | ||
| Q3 24 | $-4.34 | $3.46 | ||
| Q2 24 | $-2.82 | $2.05 |
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 | $565.0M | $2.1M |
| 总债务越低越好 | — | $3.8M |
| 股东权益账面价值 | $-459.0M | $10.9M |
| 总资产 | $22.3B | $62.7M |
| 负债/权益比越低杠杆越低 | — | 0.35× |
8季度趋势，按日历期对齐
现金及短期投资HTZUNM
| Q1 26 | — | $2.1M | ||
| Q4 25 | $565.0M | — | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $503.0M | — | ||
| Q1 25 | $626.0M | — | ||
| Q4 24 | $592.0M | — | ||
| Q3 24 | $501.0M | — | ||
| Q2 24 | $568.0M | — |
总债务HTZUNM
| Q1 26 | — | $3.8M | ||
| Q4 25 | — | $3.8B | ||
| Q3 25 | — | $3.5B | ||
| Q2 25 | — | $3.5B | ||
| Q1 25 | — | $3.5B | ||
| Q4 24 | — | $3.5B | ||
| Q3 24 | — | $3.5B | ||
| Q2 24 | — | $3.5B |
股东权益HTZUNM
| Q1 26 | — | $10.9M | ||
| Q4 25 | $-459.0M | $11.1B | ||
| Q3 25 | $-317.0M | $10.9B | ||
| Q2 25 | $-504.0M | $11.3B | ||
| Q1 25 | $-262.0M | $11.2B | ||
| Q4 24 | $153.0M | $11.0B | ||
| Q3 24 | $681.0M | $11.0B | ||
| Q2 24 | $2.0B | $10.5B |
总资产HTZUNM
| Q1 26 | — | $62.7M | ||
| Q4 25 | $22.3B | $63.5B | ||
| Q3 25 | $23.0B | $63.7B | ||
| Q2 25 | $23.1B | $62.8B | ||
| Q1 25 | $22.0B | $62.5B | ||
| Q4 24 | $21.8B | $62.0B | ||
| Q3 24 | $23.0B | $64.1B | ||
| Q2 24 | $25.2B | $62.0B |
负债/权益比HTZUNM
| Q1 26 | — | 0.35× | ||
| Q4 25 | — | 0.34× | ||
| Q3 25 | — | 0.32× | ||
| Q2 25 | — | 0.31× | ||
| Q1 25 | — | 0.31× | ||
| Q4 24 | — | 0.32× | ||
| Q3 24 | — | 0.32× | ||
| Q2 24 | — | 0.33× |
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 | $193.0M | — |
| 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 | — | — |
| 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HTZUNM
| Q1 26 | — | — | ||
| Q4 25 | $193.0M | $357.9M | ||
| Q3 25 | $835.0M | $-371.8M | ||
| Q2 25 | $346.0M | $348.0M | ||
| Q1 25 | $251.0M | $353.6M | ||
| Q4 24 | $414.0M | $485.8M | ||
| Q3 24 | $894.0M | $390.0M | ||
| Q2 24 | $546.0M | $339.1M |
自由现金流HTZUNM
| Q1 26 | — | — | ||
| Q4 25 | — | $320.1M | ||
| Q3 25 | — | $-402.6M | ||
| Q2 25 | — | $320.1M | ||
| Q1 25 | — | $317.8M | ||
| Q4 24 | — | $453.8M | ||
| Q3 24 | — | $352.3M | ||
| Q2 24 | — | $311.4M |
自由现金流率HTZUNM
| Q1 26 | — | — | ||
| Q4 25 | — | 9.9% | ||
| Q3 25 | — | -11.9% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 14.0% | ||
| Q3 24 | — | 11.0% | ||
| Q2 24 | — | 9.6% |
资本支出强度HTZUNM
| Q1 26 | — | — | ||
| Q4 25 | — | 1.2% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.9% |
现金转化率HTZUNM
| Q1 26 | — | — | ||
| Q4 25 | — | 2.06× | ||
| Q3 25 | 4.54× | -9.37× | ||
| Q2 25 | — | 1.04× | ||
| Q1 25 | — | 1.87× | ||
| Q4 24 | — | 1.39× | ||
| Q3 24 | — | 0.60× | ||
| Q2 24 | — | 0.87× |
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
HTZ
暂无分部数据
UNM
| Premium Income | $2.8B | 83% |
| Other | $561.2M | 17% |
