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MERCURY GENERAL CORP（MCY）与瑞思迈（RMD）财务数据对比。点击上方公司名可切换其他公司
MERCURY GENERAL CORP的季度营收约是瑞思迈的1.1倍（$1.5B vs $1.4B），瑞思迈净利率更高（27.6% vs 13.2%，领先14.4%），MERCURY GENERAL CORP同比增速更快（12.4% vs 11.0%），过去两年MERCURY GENERAL CORP的营收复合增速更高（9.8% vs 7.8%）
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MCY vs RMD — 直观对比
营收规模更大
MCY
是对方的1.1倍
$1.4B
营收增速更快
MCY
高出1.4%
11.0%
净利率更高
RMD
高出14.4%
13.2%
两年增速更快
MCY
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q4 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $1.4B |
| 净利润 | $202.5M | $392.6M |
| 毛利率 | 99.7% | 61.8% |
| 营业利润率 | 16.2% | 34.6% |
| 净利率 | 13.2% | 27.6% |
| 营收同比 | 12.4% | 11.0% |
| 净利润同比 | 100.4% | 13.9% |
| 每股收益（稀释后） | $3.66 | $2.68 |
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MCYRMD
| Q2 26 | — | $1.4B | ||
| Q1 26 | — | $1.4B | ||
| Q4 25 | $1.5B | $1.4B | ||
| Q3 25 | $1.6B | $1.3B | ||
| Q2 25 | $1.5B | $1.3B | ||
| Q1 25 | $1.4B | $1.3B | ||
| Q4 24 | $1.4B | $1.3B | ||
| Q3 24 | $1.5B | $1.2B |
净利润MCYRMD
| Q2 26 | — | $392.6M | ||
| Q1 26 | — | $398.7M | ||
| Q4 25 | $202.5M | $392.6M | ||
| Q3 25 | $280.4M | $348.5M | ||
| Q2 25 | $166.5M | $379.7M | ||
| Q1 25 | $-108.3M | $365.0M | ||
| Q4 24 | $101.1M | $344.6M | ||
| Q3 24 | $230.9M | $311.4M |
毛利率MCYRMD
| Q2 26 | — | 61.8% | ||
| Q1 26 | — | 62.2% | ||
| Q4 25 | 99.7% | 61.8% | ||
| Q3 25 | 99.8% | 61.5% | ||
| Q2 25 | 99.8% | 60.8% | ||
| Q1 25 | 99.7% | 59.3% | ||
| Q4 24 | 99.7% | 58.6% | ||
| Q3 24 | 99.8% | 58.6% |
营业利润率MCYRMD
| Q2 26 | — | 34.6% | ||
| Q1 26 | — | 34.9% | ||
| Q4 25 | 16.2% | 34.6% | ||
| Q3 25 | 22.1% | 33.4% | ||
| Q2 25 | 14.0% | 33.7% | ||
| Q1 25 | -10.2% | 33.0% | ||
| Q4 24 | 9.0% | 32.5% | ||
| Q3 24 | 18.8% | 31.6% |
净利率MCYRMD
| Q2 26 | — | 27.6% | ||
| Q1 26 | — | 27.9% | ||
| Q4 25 | 13.2% | 27.6% | ||
| Q3 25 | 17.7% | 26.1% | ||
| Q2 25 | 11.3% | 28.2% | ||
| Q1 25 | -7.8% | 28.3% | ||
| Q4 24 | 7.4% | 26.9% | ||
| Q3 24 | 15.1% | 25.4% |
每股收益（稀释后）MCYRMD
| Q2 26 | — | $2.68 | ||
| Q1 26 | — | $2.74 | ||
| Q4 25 | $3.66 | $2.68 | ||
| Q3 25 | $5.06 | $2.37 | ||
| Q2 25 | $3.01 | $2.58 | ||
| Q1 25 | $-1.96 | $2.48 | ||
| Q4 24 | $1.82 | $2.34 | ||
| Q3 24 | $4.17 | $2.11 |
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 | — | $1.4B |
| 总债务越低越好 | $575.0M | $663.8M |
| 股东权益账面价值 | $2.4B | $6.3B |
| 总资产 | $9.6B | $8.5B |
| 负债/权益比越低杠杆越低 | 0.24× | 0.11× |
8季度趋势，按日历期对齐
现金及短期投资MCYRMD
| Q2 26 | — | $1.4B | ||
| Q1 26 | — | $1.7B | ||
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $932.7M | ||
| Q4 24 | — | $521.9M | ||
| Q3 24 | — | $426.4M |
总债务MCYRMD
| Q2 26 | — | $663.8M | ||
| Q1 26 | — | $664.1M | ||
| Q4 25 | $575.0M | $403.9M | ||
| Q3 25 | — | $408.7M | ||
| Q2 25 | — | $658.4M | ||
| Q1 25 | — | $663.1M | ||
| Q4 24 | $575.0M | $662.9M | ||
| Q3 24 | — | $667.6M |
股东权益MCYRMD
| Q2 26 | — | $6.3B | ||
| Q1 26 | — | $6.5B | ||
| Q4 25 | $2.4B | $6.3B | ||
| Q3 25 | $2.2B | $6.1B | ||
| Q2 25 | $2.0B | $6.0B | ||
| Q1 25 | $1.8B | $5.5B | ||
| Q4 24 | $1.9B | $5.3B | ||
| Q3 24 | $1.9B | $5.2B |
总资产MCYRMD
| Q2 26 | — | $8.5B | ||
| Q1 26 | — | $8.8B | ||
| Q4 25 | $9.6B | $8.5B | ||
| Q3 25 | $9.4B | $8.3B | ||
| Q2 25 | $9.1B | $8.2B | ||
| Q1 25 | $9.0B | $7.6B | ||
| Q4 24 | $8.3B | $7.1B | ||
| Q3 24 | $8.2B | $7.2B |
负债/权益比MCYRMD
| Q2 26 | — | 0.11× | ||
| Q1 26 | — | 0.10× | ||
| Q4 25 | 0.24× | 0.06× | ||
| Q3 25 | — | 0.07× | ||
| Q2 25 | — | 0.11× | ||
| Q1 25 | — | 0.12× | ||
| Q4 24 | 0.30× | 0.13× | ||
| Q3 24 | — | 0.13× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $273.9M | — |
| 自由现金流率自由现金流/营收 | 17.8% | — |
| 资本支出强度资本支出/营收 | 0.9% | — |
| 现金转化率经营现金流/净利润 | 1.42× | — |
| 过去12个月自由现金流最近4个季度 | $1.0B | — |
8季度趋势，按日历期对齐
经营现金流MCYRMD
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | $287.9M | $339.7M | ||
| Q3 25 | $496.4M | $457.3M | ||
| Q2 25 | $371.6M | $538.8M | ||
| Q1 25 | $-68.7M | $578.7M | ||
| Q4 24 | $248.3M | $308.6M | ||
| Q3 24 | $318.1M | $325.5M |
自由现金流MCYRMD
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | $273.9M | $311.2M | ||
| Q3 25 | $479.5M | $414.4M | ||
| Q2 25 | $357.2M | $508.2M | ||
| Q1 25 | $-81.9M | $557.9M | ||
| Q4 24 | $236.0M | $288.0M | ||
| Q3 24 | $306.2M | $307.7M |
自由现金流率MCYRMD
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | 17.8% | 21.9% | ||
| Q3 25 | 30.3% | 31.0% | ||
| Q2 25 | 24.2% | 37.7% | ||
| Q1 25 | -5.9% | 43.2% | ||
| Q4 24 | 17.3% | 22.5% | ||
| Q3 24 | 20.0% | 25.1% |
资本支出强度MCYRMD
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | 0.9% | 2.0% | ||
| Q3 25 | 1.1% | 3.2% | ||
| Q2 25 | 1.0% | 2.3% | ||
| Q1 25 | 0.9% | 1.6% | ||
| Q4 24 | 0.9% | 1.6% | ||
| Q3 24 | 0.8% | 1.5% |
现金转化率MCYRMD
| Q2 26 | — | — | ||
| Q1 26 | — | — | ||
| Q4 25 | 1.42× | 0.87× | ||
| Q3 25 | 1.77× | 1.31× | ||
| Q2 25 | 2.23× | 1.42× | ||
| Q1 25 | — | 1.59× | ||
| Q4 24 | 2.46× | 0.90× | ||
| Q3 24 | 1.38× | 1.05× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
