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MERCURY GENERAL CORP（MCY）与Old Dominion（ODFL）财务数据对比。点击上方公司名可切换其他公司
MERCURY GENERAL CORP的季度营收约是Old Dominion的1.2倍（$1.5B vs $1.3B），Old Dominion净利率更高（17.6% vs 13.2%，领先4.4%），MERCURY GENERAL CORP同比增速更快（12.4% vs -5.7%），MERCURY GENERAL CORP自由现金流更多（$273.9M vs $264.5M），过去两年MERCURY GENERAL CORP的营收复合增速更高（9.8% vs -5.4%）
水星通用集团是一家综合性保险机构，业务覆盖个人车险、房主保险、租客保险及商业保险等多个品类，其中车险与房主保险是公司的核心经营板块。
Old Dominion Freight Line（简称ODFL）是美国领先的零担货运企业，服务覆盖区域、跨区域及全国范围。除核心零担货运业务外，公司还提供加急运输、综合物流及家庭搬家服务，拥有成熟的运营网络，可满足不同客户的多元运输需求。
MCY vs ODFL — 直观对比
营收规模更大
MCY
是对方的1.2倍
$1.3B
营收增速更快
MCY
高出18.1%
-5.7%
净利率更高
ODFL
高出4.4%
13.2%
自由现金流更多
MCY
多$9.3M
$264.5M
两年增速更快
MCY
近两年复合增速
-5.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $1.3B |
| 净利润 | $202.5M | $229.5M |
| 毛利率 | 99.7% | — |
| 营业利润率 | 16.2% | 23.3% |
| 净利率 | 13.2% | 17.6% |
| 营收同比 | 12.4% | -5.7% |
| 净利润同比 | 100.4% | -12.8% |
| 每股收益（稀释后） | $3.66 | $1.10 |
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MCYODFL
| Q4 25 | $1.5B | $1.3B | ||
| Q3 25 | $1.6B | $1.4B | ||
| Q2 25 | $1.5B | $1.4B | ||
| Q1 25 | $1.4B | $1.4B | ||
| Q4 24 | $1.4B | $1.4B | ||
| Q3 24 | $1.5B | $1.5B | ||
| Q2 24 | $1.3B | $1.5B | ||
| Q1 24 | $1.3B | $1.5B |
净利润MCYODFL
| Q4 25 | $202.5M | $229.5M | ||
| Q3 25 | $280.4M | $270.9M | ||
| Q2 25 | $166.5M | $268.6M | ||
| Q1 25 | $-108.3M | $254.7M | ||
| Q4 24 | $101.1M | $263.1M | ||
| Q3 24 | $230.9M | $308.6M | ||
| Q2 24 | $62.6M | $322.0M | ||
| Q1 24 | $73.5M | $292.3M |
毛利率MCYODFL
| Q4 25 | 99.7% | — | ||
| Q3 25 | 99.8% | — | ||
| Q2 25 | 99.8% | — | ||
| Q1 25 | 99.7% | — | ||
| Q4 24 | 99.7% | — | ||
| Q3 24 | 99.8% | — | ||
| Q2 24 | 99.8% | — | ||
| Q1 24 | 99.7% | — |
营业利润率MCYODFL
| Q4 25 | 16.2% | 23.3% | ||
| Q3 25 | 22.1% | 25.7% | ||
| Q2 25 | 14.0% | 25.4% | ||
| Q1 25 | -10.2% | 24.6% | ||
| Q4 24 | 9.0% | 24.1% | ||
| Q3 24 | 18.8% | 27.3% | ||
| Q2 24 | 5.8% | 28.1% | ||
| Q1 24 | 7.0% | 26.5% |
净利率MCYODFL
| Q4 25 | 13.2% | 17.6% | ||
| Q3 25 | 17.7% | 19.3% | ||
| Q2 25 | 11.3% | 19.1% | ||
| Q1 25 | -7.8% | 18.5% | ||
| Q4 24 | 7.4% | 19.0% | ||
| Q3 24 | 15.1% | 21.0% | ||
| Q2 24 | 4.8% | 21.5% | ||
| Q1 24 | 5.8% | 20.0% |
每股收益（稀释后）MCYODFL
| Q4 25 | $3.66 | $1.10 | ||
| Q3 25 | $5.06 | $1.28 | ||
| Q2 25 | $3.01 | $1.27 | ||
| Q1 25 | $-1.96 | $1.19 | ||
| Q4 24 | $1.82 | $1.23 | ||
| Q3 24 | $4.17 | $1.43 | ||
| Q2 24 | $1.13 | $1.48 | ||
| Q1 24 | $1.33 | $1.34 |
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 | — | $120.1M |
| 总债务越低越好 | $575.0M | $20.0M |
| 股东权益账面价值 | $2.4B | $4.3B |
| 总资产 | $9.6B | $5.5B |
| 负债/权益比越低杠杆越低 | 0.24× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资MCYODFL
| Q4 25 | — | $120.1M | ||
| Q3 25 | — | $46.6M | ||
| Q2 25 | — | $24.1M | ||
| Q1 25 | — | $97.2M | ||
| Q4 24 | — | $108.7M | ||
| Q3 24 | — | $74.2M | ||
| Q2 24 | — | $104.6M | ||
| Q1 24 | — | $581.0M |
总债务MCYODFL
| Q4 25 | $575.0M | $20.0M | ||
| Q3 25 | — | $65.0M | ||
| Q2 25 | — | $150.0M | ||
| Q1 25 | — | $40.0M | ||
| Q4 24 | $575.0M | $40.0M | ||
| Q3 24 | — | $40.0M | ||
| Q2 24 | — | $40.0M | ||
| Q1 24 | — | $60.0M |
股东权益MCYODFL
| Q4 25 | $2.4B | $4.3B | ||
| Q3 25 | $2.2B | $4.3B | ||
| Q2 25 | $2.0B | $4.2B | ||
| Q1 25 | $1.8B | $4.2B | ||
| Q4 24 | $1.9B | $4.2B | ||
| Q3 24 | $1.9B | $4.2B | ||
| Q2 24 | $1.6B | $4.1B | ||
| Q1 24 | $1.6B | $4.4B |
总资产MCYODFL
| Q4 25 | $9.6B | $5.5B | ||
| Q3 25 | $9.4B | $5.5B | ||
| Q2 25 | $9.1B | $5.6B | ||
| Q1 25 | $9.0B | $5.5B | ||
| Q4 24 | $8.3B | $5.5B | ||
| Q3 24 | $8.2B | $5.4B | ||
| Q2 24 | $7.7B | $5.3B | ||
| Q1 24 | $7.4B | $5.7B |
负债/权益比MCYODFL
| Q4 25 | 0.24× | 0.00× | ||
| Q3 25 | — | 0.02× | ||
| Q2 25 | — | 0.04× | ||
| Q1 25 | — | 0.01× | ||
| Q4 24 | 0.30× | 0.01× | ||
| Q3 24 | — | 0.01× | ||
| Q2 24 | — | 0.01× | ||
| Q1 24 | — | 0.01× |
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 | $287.9M | $310.3M |
| 自由现金流经营现金流 - 资本支出 | $273.9M | $264.5M |
| 自由现金流率自由现金流/营收 | 17.8% | 20.2% |
| 资本支出强度资本支出/营收 | 0.9% | 3.5% |
| 现金转化率经营现金流/净利润 | 1.42× | 1.35× |
| 过去12个月自由现金流最近4个季度 | $1.0B | $955.1M |
8季度趋势，按日历期对齐
经营现金流MCYODFL
| Q4 25 | $287.9M | $310.3M | ||
| Q3 25 | $496.4M | $437.5M | ||
| Q2 25 | $371.6M | $285.8M | ||
| Q1 25 | $-68.7M | $336.5M | ||
| Q4 24 | $248.3M | $401.1M | ||
| Q3 24 | $318.1M | $446.5M | ||
| Q2 24 | $278.0M | $387.9M | ||
| Q1 24 | $192.6M | $423.9M |
自由现金流MCYODFL
| Q4 25 | $273.9M | $264.5M | ||
| Q3 25 | $479.5M | $343.5M | ||
| Q2 25 | $357.2M | $98.7M | ||
| Q1 25 | $-81.9M | $248.4M | ||
| Q4 24 | $236.0M | $230.1M | ||
| Q3 24 | $306.2M | $203.7M | ||
| Q2 24 | $266.5M | $149.7M | ||
| Q1 24 | $182.4M | $304.4M |
自由现金流率MCYODFL
| Q4 25 | 17.8% | 20.2% | ||
| Q3 25 | 30.3% | 24.4% | ||
| Q2 25 | 24.2% | 7.0% | ||
| Q1 25 | -5.9% | 18.1% | ||
| Q4 24 | 17.3% | 16.6% | ||
| Q3 24 | 20.0% | 13.9% | ||
| Q2 24 | 20.4% | 10.0% | ||
| Q1 24 | 14.3% | 20.8% |
资本支出强度MCYODFL
| Q4 25 | 0.9% | 3.5% | ||
| Q3 25 | 1.1% | 6.7% | ||
| Q2 25 | 1.0% | 13.3% | ||
| Q1 25 | 0.9% | 6.4% | ||
| Q4 24 | 0.9% | 12.3% | ||
| Q3 24 | 0.8% | 16.5% | ||
| Q2 24 | 0.9% | 15.9% | ||
| Q1 24 | 0.8% | 8.2% |
现金转化率MCYODFL
| Q4 25 | 1.42× | 1.35× | ||
| Q3 25 | 1.77× | 1.61× | ||
| Q2 25 | 2.23× | 1.06× | ||
| Q1 25 | — | 1.32× | ||
| Q4 24 | 2.46× | 1.52× | ||
| Q3 24 | 1.38× | 1.45× | ||
| Q2 24 | 4.44× | 1.20× | ||
| Q1 24 | 2.62× | 1.45× |
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
MCY
暂无分部数据
ODFL
| LTL Service Revenue | $1.3B | 99% |
| Other Service Revenue | $11.4M | 1% |
