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Kinsale Capital Group, Inc.（KNSL）与Progressive Corporation（PGR）财务数据对比。点击上方公司名可切换其他公司
Progressive Corporation的季度营收约是Kinsale Capital Group, Inc.的48.7倍（$22.7B vs $466.7M）。Kinsale Capital Group, Inc.净利率更高（24.1% vs 13.0%，领先11.1%）。Progressive Corporation同比增速更快（12.2% vs 10.2%）。过去两年Progressive Corporation的营收复合增速更高（14.9% vs 10.2%）
旗星银行是一家总部位于纽约希克斯维尔的美国区域性金融服务公司，截至2023年共运营395家分支机构，并于2024年2月21日完成了全网点品牌统一，所有分支机构统一使用旗星品牌运营。
美国Progressive Corporation是1937年由杰克·格林与约瑟夫·M·刘易斯联合创立的保险公司，总部位于俄亥俄州梅菲尔德，是美国第二大汽车保险服务商，仅次于州立农业保险。其业务覆盖乘用车、摩托车、房车、船只、商用车等险种，同时通过合作机构提供家财险、寿险、宠物险等多元保险产品。
KNSL vs PGR — 直观对比
营收规模更大
PGR
是对方的48.7倍
$466.7M
营收增速更快
PGR
高出2.0%
10.2%
净利率更高
KNSL
高出11.1%
13.0%
两年增速更快
PGR
近两年复合增速
10.2%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $466.7M | $22.7B |
| 净利润 | $112.6M | $3.0B |
| 毛利率 | — | — |
| 营业利润率 | — | 16.2% |
| 净利率 | 24.1% | 13.0% |
| 营收同比 | 10.2% | 12.2% |
| 净利润同比 | 26.1% | 25.3% |
| 每股收益（稀释后） | $4.88 | $5.01 |
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KNSLPGR
| Q1 26 | $466.7M | — | ||
| Q4 25 | $483.3M | $22.7B | ||
| Q3 25 | $497.5M | $22.5B | ||
| Q2 25 | $469.8M | $22.0B | ||
| Q1 25 | $423.4M | $20.4B | ||
| Q4 24 | $412.1M | $20.3B | ||
| Q3 24 | $418.1M | $19.7B | ||
| Q2 24 | $384.6M | $18.1B |
净利润KNSLPGR
| Q1 26 | $112.6M | — | ||
| Q4 25 | $138.6M | $3.0B | ||
| Q3 25 | $141.6M | $2.6B | ||
| Q2 25 | $134.1M | $3.2B | ||
| Q1 25 | $89.2M | $2.6B | ||
| Q4 24 | $109.1M | $2.4B | ||
| Q3 24 | $114.2M | $2.3B | ||
| Q2 24 | $92.6M | $1.5B |
营业利润率KNSLPGR
| Q1 26 | — | — | ||
| Q4 25 | 36.2% | 16.2% | ||
| Q3 25 | 36.0% | 14.8% | ||
| Q2 25 | 35.8% | 18.1% | ||
| Q1 25 | 26.5% | 15.9% | ||
| Q4 24 | 33.6% | 14.6% | ||
| Q3 24 | 34.5% | 14.9% | ||
| Q2 24 | 30.1% | 10.3% |
净利率KNSLPGR
| Q1 26 | 24.1% | — | ||
| Q4 25 | 28.7% | 13.0% | ||
| Q3 25 | 28.5% | 11.6% | ||
| Q2 25 | 28.5% | 14.4% | ||
| Q1 25 | 21.1% | 12.6% | ||
| Q4 24 | 26.5% | 11.6% | ||
| Q3 24 | 27.3% | 11.8% | ||
| Q2 24 | 24.1% | 8.0% |
每股收益（稀释后）KNSLPGR
| Q1 26 | $4.88 | — | ||
| Q4 25 | $5.97 | $5.01 | ||
| Q3 25 | $6.09 | $4.45 | ||
| Q2 25 | $5.76 | $5.40 | ||
| Q1 25 | $3.83 | $4.37 | ||
| Q4 24 | $4.67 | $4.01 | ||
| Q3 24 | $4.90 | $3.97 | ||
| Q2 24 | $3.97 | $2.48 |
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 | $223.3M | $10.0B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.0B | $30.3B |
| 总资产 | $6.2B | $123.0B |
| 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KNSLPGR
| Q1 26 | $223.3M | — | ||
| Q4 25 | — | $10.0B | ||
| Q3 25 | $170.2M | $1.5B | ||
| Q2 25 | $138.1M | $2.1B | ||
| Q1 25 | $142.0M | $2.6B | ||
| Q4 24 | $113.2M | $615.0M | ||
| Q3 24 | $111.7M | $757.0M | ||
| Q2 24 | $171.0M | $733.0M |
总债务KNSLPGR
| Q1 26 | — | — | ||
| Q4 25 | $224.4M | — | ||
| Q3 25 | $199.3M | — | ||
| Q2 25 | $184.3M | — | ||
| Q1 25 | $184.2M | — | ||
| Q4 24 | $184.1M | — | ||
| Q3 24 | $184.1M | — | ||
| Q2 24 | $184.0M | — |
股东权益KNSLPGR
| Q1 26 | $2.0B | — | ||
| Q4 25 | $2.0B | $30.3B | ||
| Q3 25 | $1.9B | $35.4B | ||
| Q2 25 | $1.7B | $32.6B | ||
| Q1 25 | $1.6B | $29.0B | ||
| Q4 24 | $1.5B | $25.6B | ||
| Q3 24 | $1.4B | $27.2B | ||
| Q2 24 | $1.3B | $23.3B |
总资产KNSLPGR
| Q1 26 | $6.2B | — | ||
| Q4 25 | $6.0B | $123.0B | ||
| Q3 25 | $5.8B | $121.5B | ||
| Q2 25 | $5.6B | $115.5B | ||
| Q1 25 | $5.2B | $111.4B | ||
| Q4 24 | $4.9B | $105.7B | ||
| Q3 24 | $4.7B | $105.2B | ||
| Q2 24 | $4.4B | $97.9B |
负债/权益比KNSLPGR
| Q1 26 | — | — | ||
| Q4 25 | 0.11× | — | ||
| Q3 25 | 0.11× | — | ||
| Q2 25 | 0.11× | — | ||
| Q1 25 | 0.12× | — | ||
| Q4 24 | 0.12× | — | ||
| Q3 24 | 0.13× | — | ||
| Q2 24 | 0.15× | — |
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 | — | $3.2B |
| 自由现金流经营现金流 - 资本支出 | — | $3.0B |
| 自由现金流率自由现金流/营收 | — | 13.4% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 现金转化率经营现金流/净利润 | — | 1.07× |
| 过去12个月自由现金流最近4个季度 | — | $17.2B |
8季度趋势，按日历期对齐
经营现金流KNSLPGR
| Q1 26 | — | — | ||
| Q4 25 | $241.4M | $3.2B | ||
| Q3 25 | $303.5M | $5.2B | ||
| Q2 25 | $269.1M | $4.0B | ||
| Q1 25 | $229.8M | $5.1B | ||
| Q4 24 | $213.0M | $3.0B | ||
| Q3 24 | $274.0M | $4.6B | ||
| Q2 24 | $278.9M | $3.3B |
自由现金流KNSLPGR
| Q1 26 | — | — | ||
| Q4 25 | $230.8M | $3.0B | ||
| Q3 25 | $289.5M | $5.1B | ||
| Q2 25 | $252.1M | $3.9B | ||
| Q1 25 | $217.6M | $5.1B | ||
| Q4 24 | $202.2M | $2.9B | ||
| Q3 24 | $268.2M | $4.6B | ||
| Q2 24 | $275.1M | $3.2B |
自由现金流率KNSLPGR
| Q1 26 | — | — | ||
| Q4 25 | 47.8% | 13.4% | ||
| Q3 25 | 58.2% | 22.8% | ||
| Q2 25 | 53.7% | 17.9% | ||
| Q1 25 | 51.4% | 24.9% | ||
| Q4 24 | 49.1% | 14.3% | ||
| Q3 24 | 64.2% | 23.1% | ||
| Q2 24 | 71.5% | 17.6% |
资本支出强度KNSLPGR
| Q1 26 | — | — | ||
| Q4 25 | 2.2% | 0.5% | ||
| Q3 25 | 2.8% | 0.3% | ||
| Q2 25 | 3.6% | 0.5% | ||
| Q1 25 | 2.9% | 0.3% | ||
| Q4 24 | 2.6% | 0.5% | ||
| Q3 24 | 1.4% | 0.3% | ||
| Q2 24 | 1.0% | 0.4% |
现金转化率KNSLPGR
| Q1 26 | — | — | ||
| Q4 25 | 1.74× | 1.07× | ||
| Q3 25 | 2.14× | 1.99× | ||
| Q2 25 | 2.01× | 1.27× | ||
| Q1 25 | 2.58× | 2.00× | ||
| Q4 24 | 1.95× | 1.28× | ||
| Q3 24 | 2.40× | 1.97× | ||
| Q2 24 | 3.01× | 2.24× |
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
KNSL
暂无分部数据
PGR
| Other | $11.9B | 52% |
| Commercial Lines Segment | $10.9B | 48% |
| Other Indemnity | $2.0M | 0% |
