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Kinsale Capital Group, Inc.（KNSL）与SiriusPoint Ltd（SPNT）财务数据对比。点击上方公司名可切换其他公司
SiriusPoint Ltd的季度营收约是Kinsale Capital Group, Inc.的2.1倍（$973.7M vs $466.7M），SiriusPoint Ltd净利率更高（25.1% vs 24.1%，领先1.0%），SiriusPoint Ltd同比增速更快（58.9% vs 10.2%），过去两年SiriusPoint Ltd的营收复合增速更高（19.2% 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。
SiriusPoint Ltd是一家总部位于百慕大彭布罗克的全球特种保险及再保险服务商，提供财产险、意外险、特种险种保障及另类资本解决方案，服务覆盖北美、欧洲、亚太等市场的商业客户与风险承担方，注重严谨核保与稳定的风险调整收益。
KNSL vs SPNT — 直观对比
营收规模更大
SPNT
是对方的2.1倍
$466.7M
营收增速更快
SPNT
高出48.7%
10.2%
净利率更高
SPNT
高出1.0%
24.1%
两年增速更快
SPNT
近两年复合增速
10.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $466.7M | $973.7M |
| 净利润 | $112.6M | $244.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 28.8% |
| 净利率 | 24.1% | 25.1% |
| 营收同比 | 10.2% | 58.9% |
| 净利润同比 | 26.1% | 1535.9% |
| 每股收益（稀释后） | $4.88 | $1.92 |
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KNSLSPNT
| Q1 26 | $466.7M | — | ||
| Q4 25 | $483.3M | $973.7M | ||
| Q3 25 | $497.5M | $755.9M | ||
| Q2 25 | $469.8M | $748.2M | ||
| Q1 25 | $423.4M | $727.3M | ||
| Q4 24 | $412.1M | $612.8M | ||
| Q3 24 | $418.1M | $562.2M | ||
| Q2 24 | $384.6M | $743.3M |
净利润KNSLSPNT
| Q1 26 | $112.6M | — | ||
| Q4 25 | $138.6M | $244.1M | ||
| Q3 25 | $141.6M | $90.8M | ||
| Q2 25 | $134.1M | $63.2M | ||
| Q1 25 | $89.2M | $61.6M | ||
| Q4 24 | $109.1M | $-17.0M | ||
| Q3 24 | $114.2M | $8.5M | ||
| Q2 24 | $92.6M | $113.9M |
营业利润率KNSLSPNT
| Q1 26 | — | — | ||
| Q4 25 | 36.2% | 28.8% | ||
| Q3 25 | 36.0% | 14.7% | ||
| Q2 25 | 35.8% | 10.0% | ||
| Q1 25 | 26.5% | 10.4% | ||
| Q4 24 | 33.6% | -2.1% | ||
| Q3 24 | 34.5% | 2.0% | ||
| Q2 24 | 30.1% | 17.4% |
净利率KNSLSPNT
| Q1 26 | 24.1% | — | ||
| Q4 25 | 28.7% | 25.1% | ||
| Q3 25 | 28.5% | 12.0% | ||
| Q2 25 | 28.5% | 8.4% | ||
| Q1 25 | 21.1% | 8.5% | ||
| Q4 24 | 26.5% | -2.8% | ||
| Q3 24 | 27.3% | 1.5% | ||
| Q2 24 | 24.1% | 15.3% |
每股收益（稀释后）KNSLSPNT
| Q1 26 | $4.88 | — | ||
| Q4 25 | $5.97 | $1.92 | ||
| Q3 25 | $6.09 | $0.73 | ||
| Q2 25 | $5.76 | $0.50 | ||
| Q1 25 | $3.83 | $0.49 | ||
| Q4 24 | $4.67 | $-0.05 | ||
| Q3 24 | $4.90 | $0.03 | ||
| Q2 24 | $3.97 | $0.57 |
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 | $731.2M |
| 总债务越低越好 | — | $688.6M |
| 股东权益账面价值 | $2.0B | $2.5B |
| 总资产 | $6.2B | $12.6B |
| 负债/权益比越低杠杆越低 | — | 0.28× |
8季度趋势，按日历期对齐
现金及短期投资KNSLSPNT
| Q1 26 | $223.3M | — | ||
| Q4 25 | — | $731.2M | ||
| Q3 25 | $170.2M | $582.4M | ||
| Q2 25 | $138.1M | $732.4M | ||
| Q1 25 | $142.0M | $740.3M | ||
| Q4 24 | $113.2M | $682.0M | ||
| Q3 24 | $111.7M | $640.7M | ||
| Q2 24 | $171.0M | $598.1M |
总债务KNSLSPNT
| Q1 26 | — | — | ||
| Q4 25 | $224.4M | $688.6M | ||
| Q3 25 | $199.3M | $682.5M | ||
| Q2 25 | $184.3M | $678.4M | ||
| Q1 25 | $184.2M | $663.5M | ||
| Q4 24 | $184.1M | $639.1M | ||
| Q3 24 | $184.1M | $660.5M | ||
| Q2 24 | $184.0M | $648.6M |
股东权益KNSLSPNT
| Q1 26 | $2.0B | — | ||
| Q4 25 | $2.0B | $2.5B | ||
| Q3 25 | $1.9B | $2.2B | ||
| Q2 25 | $1.7B | $2.1B | ||
| Q1 25 | $1.6B | $2.0B | ||
| Q4 24 | $1.5B | $1.9B | ||
| Q3 24 | $1.4B | $2.7B | ||
| Q2 24 | $1.3B | $2.7B |
总资产KNSLSPNT
| Q1 26 | $6.2B | — | ||
| Q4 25 | $6.0B | $12.6B | ||
| Q3 25 | $5.8B | $12.5B | ||
| Q2 25 | $5.6B | $12.4B | ||
| Q1 25 | $5.2B | $12.3B | ||
| Q4 24 | $4.9B | $12.5B | ||
| Q3 24 | $4.7B | $12.7B | ||
| Q2 24 | $4.4B | $12.8B |
负债/权益比KNSLSPNT
| Q1 26 | — | — | ||
| Q4 25 | 0.11× | 0.28× | ||
| Q3 25 | 0.11× | 0.31× | ||
| Q2 25 | 0.11× | 0.32× | ||
| Q1 25 | 0.12× | 0.33× | ||
| Q4 24 | 0.12× | 0.33× | ||
| Q3 24 | 0.13× | 0.25× | ||
| Q2 24 | 0.15× | 0.24× |
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 | — | $-26.4M |
| 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 | — | -0.11× |
| 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KNSLSPNT
| Q1 26 | — | — | ||
| Q4 25 | $241.4M | $-26.4M | ||
| Q3 25 | $303.5M | $155.6M | ||
| Q2 25 | $269.1M | $62.1M | ||
| Q1 25 | $229.8M | $-88.9M | ||
| Q4 24 | $213.0M | $107.7M | ||
| Q3 24 | $274.0M | $58.1M | ||
| Q2 24 | $278.9M | $-149.9M |
自由现金流KNSLSPNT
| Q1 26 | — | — | ||
| Q4 25 | $230.8M | — | ||
| Q3 25 | $289.5M | — | ||
| Q2 25 | $252.1M | — | ||
| Q1 25 | $217.6M | — | ||
| Q4 24 | $202.2M | — | ||
| Q3 24 | $268.2M | — | ||
| Q2 24 | $275.1M | — |
自由现金流率KNSLSPNT
| Q1 26 | — | — | ||
| Q4 25 | 47.8% | — | ||
| Q3 25 | 58.2% | — | ||
| Q2 25 | 53.7% | — | ||
| Q1 25 | 51.4% | — | ||
| Q4 24 | 49.1% | — | ||
| Q3 24 | 64.2% | — | ||
| Q2 24 | 71.5% | — |
资本支出强度KNSLSPNT
| Q1 26 | — | — | ||
| Q4 25 | 2.2% | — | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | 3.6% | — | ||
| Q1 25 | 2.9% | — | ||
| Q4 24 | 2.6% | — | ||
| Q3 24 | 1.4% | — | ||
| Q2 24 | 1.0% | — |
现金转化率KNSLSPNT
| Q1 26 | — | — | ||
| Q4 25 | 1.74× | -0.11× | ||
| Q3 25 | 2.14× | 1.71× | ||
| Q2 25 | 2.01× | 0.98× | ||
| Q1 25 | 2.58× | -1.44× | ||
| Q4 24 | 1.95× | — | ||
| Q3 24 | 2.40× | 6.84× | ||
| Q2 24 | 3.01× | -1.32× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
