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Lyft, Inc.（LYFT）与HANOVER INSURANCE GROUP, INC.（THG）财务数据对比。点击上方公司名可切换其他公司
HANOVER INSURANCE GROUP, INC.的季度营收约是Lyft, Inc.的1.1倍（$1.7B vs $1.5B），Lyft, Inc.净利率更高（183.9% vs 11.9%，领先172.1%），HANOVER INSURANCE GROUP, INC.同比增速更快（5.5% vs 3.6%），过去两年Lyft, Inc.的营收复合增速更高（11.3% vs 3.8%）
Lyft是美国仅次于优步的第二大网约车企业，在美国、加拿大提供网约车、电动滑板车及共享单车服务，还通过Free Now应用覆盖欧洲市场，目前拥有2500万活跃乘客，日均完成900万次出行订单。
汉诺威保险集团是总部位于美国马萨诸塞州伍斯特市的保险企业，1852年成立时主营财产责任保险，以原名公开上市交易，直至上世纪90年代初更名为Allmerica财产意外伤害保险公司。
LYFT vs THG — 直观对比
营收规模更大
THG
是对方的1.1倍
$1.5B
营收增速更快
THG
高出2.0%
3.6%
净利率更高
LYFT
高出172.1%
11.9%
两年增速更快
LYFT
近两年复合增速
3.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $1.7B |
| 净利润 | $2.8B | $198.5M |
| 毛利率 | 35.1% | — |
| 营业利润率 | -12.4% | 17.3% |
| 净利率 | 183.9% | 11.9% |
| 营收同比 | 3.6% | 5.5% |
| 净利润同比 | 4363.0% | 18.2% |
| 每股收益（稀释后） | $6.59 | $5.46 |
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LYFTTHG
| Q4 25 | $1.5B | $1.7B | ||
| Q3 25 | $1.5B | $1.7B | ||
| Q2 25 | $1.5B | $1.7B | ||
| Q1 25 | $1.4B | $1.6B | ||
| Q4 24 | $1.4B | $1.6B | ||
| Q3 24 | $1.4B | $1.6B | ||
| Q2 24 | $1.3B | $1.5B | ||
| Q1 24 | $1.2B | $1.6B |
净利润LYFTTHG
| Q4 25 | $2.8B | $198.5M | ||
| Q3 25 | $46.1M | $178.7M | ||
| Q2 25 | $40.3M | $157.1M | ||
| Q1 25 | $2.6M | $128.2M | ||
| Q4 24 | $61.7M | $167.9M | ||
| Q3 24 | $-12.4M | $102.1M | ||
| Q2 24 | $5.0M | $40.5M | ||
| Q1 24 | $-31.5M | $115.5M |
毛利率LYFTTHG
| Q4 25 | 35.1% | — | ||
| Q3 25 | 40.0% | — | ||
| Q2 25 | 36.7% | — | ||
| Q1 25 | 37.2% | — | ||
| Q4 24 | 39.5% | — | ||
| Q3 24 | 36.0% | — | ||
| Q2 24 | 38.0% | — | ||
| Q1 24 | 37.6% | — |
营业利润率LYFTTHG
| Q4 25 | -12.4% | 17.3% | ||
| Q3 25 | 1.5% | 14.9% | ||
| Q2 25 | 0.2% | 12.7% | ||
| Q1 25 | -2.1% | 11.6% | ||
| Q4 24 | 1.9% | 16.1% | ||
| Q3 24 | -4.1% | 9.6% | ||
| Q2 24 | -2.1% | 6.2% | ||
| Q1 24 | -5.2% | 9.7% |
净利率LYFTTHG
| Q4 25 | 183.9% | 11.9% | ||
| Q3 25 | 3.0% | 10.7% | ||
| Q2 25 | 2.7% | 9.5% | ||
| Q1 25 | 0.2% | 8.0% | ||
| Q4 24 | 4.3% | 10.6% | ||
| Q3 24 | -0.9% | 6.5% | ||
| Q2 24 | 0.4% | 2.6% | ||
| Q1 24 | -2.6% | 7.4% |
每股收益（稀释后）LYFTTHG
| Q4 25 | $6.59 | $5.46 | ||
| Q3 25 | $0.11 | $4.90 | ||
| Q2 25 | $0.10 | $4.30 | ||
| Q1 25 | $0.01 | $3.50 | ||
| Q4 24 | $0.16 | $4.60 | ||
| Q3 24 | $-0.03 | $2.80 | ||
| Q2 24 | $0.01 | $1.12 | ||
| Q1 24 | $-0.08 | $3.18 |
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 | $1.8B | $1.1B |
| 总债务越低越好 | $1.1B | $843.3M |
| 股东权益账面价值 | $3.3B | $3.6B |
| 总资产 | $9.0B | $16.9B |
| 负债/权益比越低杠杆越低 | 0.32× | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资LYFTTHG
| Q4 25 | $1.8B | $1.1B | ||
| Q3 25 | $2.0B | $915.7M | ||
| Q2 25 | $1.8B | $244.1M | ||
| Q1 25 | $2.2B | $315.1M | ||
| Q4 24 | $2.0B | $435.5M | ||
| Q3 24 | $1.9B | $427.1M | ||
| Q2 24 | $1.8B | $337.6M | ||
| Q1 24 | $1.7B | $264.6M |
总债务LYFTTHG
| Q4 25 | $1.1B | $843.3M | ||
| Q3 25 | $1.1B | $843.0M | ||
| Q2 25 | $573.2M | $347.8M | ||
| Q1 25 | $979.9M | $722.5M | ||
| Q4 24 | $995.0M | $722.3M | ||
| Q3 24 | $1.0B | — | ||
| Q2 24 | $1.0B | — | ||
| Q1 24 | $971.5M | — |
股东权益LYFTTHG
| Q4 25 | $3.3B | $3.6B | ||
| Q3 25 | $573.0M | $3.4B | ||
| Q2 25 | $732.7M | $3.2B | ||
| Q1 25 | $838.1M | $3.0B | ||
| Q4 24 | $767.0M | $2.8B | ||
| Q3 24 | $655.8M | $2.9B | ||
| Q2 24 | $577.6M | $2.6B | ||
| Q1 24 | $491.3M | $2.5B |
总资产LYFTTHG
| Q4 25 | $9.0B | $16.9B | ||
| Q3 25 | $5.9B | $16.8B | ||
| Q2 25 | $5.4B | $15.7B | ||
| Q1 25 | $5.7B | $15.5B | ||
| Q4 24 | $5.4B | $15.3B | ||
| Q3 24 | $5.3B | $15.4B | ||
| Q2 24 | $5.0B | $14.9B | ||
| Q1 24 | $4.8B | $14.6B |
负债/权益比LYFTTHG
| Q4 25 | 0.32× | 0.24× | ||
| Q3 25 | 1.85× | 0.25× | ||
| Q2 25 | 0.78× | 0.11× | ||
| Q1 25 | 1.17× | 0.24× | ||
| Q4 24 | 1.30× | 0.25× | ||
| Q3 24 | 1.53× | — | ||
| Q2 24 | 1.74× | — | ||
| Q1 24 | 1.98× | — |
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 | $246.2M | $378.2M |
| 自由现金流经营现金流 - 资本支出 | — | $377.0M |
| 自由现金流率自由现金流/营收 | — | 22.6% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | 0.09× | 1.91× |
| 过去12个月自由现金流最近4个季度 | — | $1.2B |
8季度趋势，按日历期对齐
经营现金流LYFTTHG
| Q4 25 | $246.2M | $378.2M | ||
| Q3 25 | $291.3M | $554.4M | ||
| Q2 25 | $343.7M | $206.6M | ||
| Q1 25 | $287.2M | $38.9M | ||
| Q4 24 | $153.4M | $213.5M | ||
| Q3 24 | $264.0M | $394.7M | ||
| Q2 24 | $276.2M | $139.5M | ||
| Q1 24 | $156.2M | $58.7M |
自由现金流LYFTTHG
| Q4 25 | — | $377.0M | ||
| Q3 25 | — | $551.4M | ||
| Q2 25 | — | $204.9M | ||
| Q1 25 | — | $37.1M | ||
| Q4 24 | — | $210.5M | ||
| Q3 24 | — | $392.3M | ||
| Q2 24 | — | $137.3M | ||
| Q1 24 | — | $56.1M |
自由现金流率LYFTTHG
| Q4 25 | — | 22.6% | ||
| Q3 25 | — | 33.1% | ||
| Q2 25 | — | 12.4% | ||
| Q1 25 | — | 2.3% | ||
| Q4 24 | — | 13.3% | ||
| Q3 24 | — | 25.1% | ||
| Q2 24 | — | 8.9% | ||
| Q1 24 | — | 3.6% |
资本支出强度LYFTTHG
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.2% |
现金转化率LYFTTHG
| Q4 25 | 0.09× | 1.91× | ||
| Q3 25 | 6.32× | 3.10× | ||
| Q2 25 | 8.53× | 1.32× | ||
| Q1 25 | 111.89× | 0.30× | ||
| Q4 24 | 2.48× | 1.27× | ||
| Q3 24 | — | 3.87× | ||
| Q2 24 | 55.09× | 3.44× | ||
| Q1 24 | — | 0.51× |
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
LYFT
暂无分部数据
THG
| Personal Lines Segment | $684.6M | 41% |
| Core Commercial Lines Segment | $617.8M | 37% |
| Specialty Lines Segment | $377.9M | 23% |
