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MERCURY GENERAL CORP（MCY）与TWILIO INC（TWLO）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TWILIO INC的1.1倍（$1.5B vs $1.4B），MERCURY GENERAL CORP净利率更高（13.2% vs -3.4%，领先16.5%），TWILIO INC同比增速更快（14.3% vs 12.4%），过去两年TWILIO INC的营收复合增速更高（14.2% vs 9.8%）
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MCY vs TWLO — 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
TWLO
高出1.9%
12.4%
净利率更高
MCY
高出16.5%
-3.4%
两年增速更快
TWLO
近两年复合增速
9.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $1.4B |
| 净利润 | $202.5M | $-45.9M |
| 毛利率 | 99.7% | 48.5% |
| 营业利润率 | 16.2% | 4.2% |
| 净利率 | 13.2% | -3.4% |
| 营收同比 | 12.4% | 14.3% |
| 净利润同比 | 100.4% | -267.7% |
| 每股收益（稀释后） | $3.66 | $-0.28 |
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MCYTWLO
| Q4 25 | $1.5B | $1.4B | ||
| Q3 25 | $1.6B | $1.3B | ||
| Q2 25 | $1.5B | $1.2B | ||
| Q1 25 | $1.4B | $1.2B | ||
| Q4 24 | $1.4B | $1.2B | ||
| Q3 24 | $1.5B | $1.1B | ||
| Q2 24 | $1.3B | $1.1B | ||
| Q1 24 | $1.3B | $1.0B |
净利润MCYTWLO
| Q4 25 | $202.5M | $-45.9M | ||
| Q3 25 | $280.4M | $37.2M | ||
| Q2 25 | $166.5M | $22.4M | ||
| Q1 25 | $-108.3M | $20.0M | ||
| Q4 24 | $101.1M | $-12.5M | ||
| Q3 24 | $230.9M | $-9.7M | ||
| Q2 24 | $62.6M | $-31.9M | ||
| Q1 24 | $73.5M | $-55.3M |
毛利率MCYTWLO
| Q4 25 | 99.7% | 48.5% | ||
| Q3 25 | 99.8% | 48.6% | ||
| Q2 25 | 99.8% | 49.1% | ||
| Q1 25 | 99.7% | 49.6% | ||
| Q4 24 | 99.7% | 50.2% | ||
| Q3 24 | 99.8% | 51.0% | ||
| Q2 24 | 99.8% | 51.3% | ||
| Q1 24 | 99.7% | 52.0% |
营业利润率MCYTWLO
| Q4 25 | 16.2% | 4.2% | ||
| Q3 25 | 22.1% | 3.1% | ||
| Q2 25 | 14.0% | 3.0% | ||
| Q1 25 | -10.2% | 2.0% | ||
| Q4 24 | 9.0% | 1.1% | ||
| Q3 24 | 18.8% | -0.4% | ||
| Q2 24 | 5.8% | -1.8% | ||
| Q1 24 | 7.0% | -4.2% |
净利率MCYTWLO
| Q4 25 | 13.2% | -3.4% | ||
| Q3 25 | 17.7% | 2.9% | ||
| Q2 25 | 11.3% | 1.8% | ||
| Q1 25 | -7.8% | 1.7% | ||
| Q4 24 | 7.4% | -1.0% | ||
| Q3 24 | 15.1% | -0.9% | ||
| Q2 24 | 4.8% | -2.9% | ||
| Q1 24 | 5.8% | -5.3% |
每股收益（稀释后）MCYTWLO
| Q4 25 | $3.66 | $-0.28 | ||
| Q3 25 | $5.06 | $0.23 | ||
| Q2 25 | $3.01 | $0.14 | ||
| Q1 25 | $-1.96 | $0.12 | ||
| Q4 24 | $1.82 | $-0.10 | ||
| Q3 24 | $4.17 | $-0.06 | ||
| Q2 24 | $1.13 | $-0.19 | ||
| Q1 24 | $1.33 | $-0.31 |
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 | — | $682.3M |
| 总债务越低越好 | $575.0M | $992.3M |
| 股东权益账面价值 | $2.4B | $7.8B |
| 总资产 | $9.6B | $9.8B |
| 负债/权益比越低杠杆越低 | 0.24× | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资MCYTWLO
| Q4 25 | — | $682.3M | ||
| Q3 25 | — | $734.8M | ||
| Q2 25 | — | $969.2M | ||
| Q1 25 | — | $467.1M | ||
| Q4 24 | — | $421.3M | ||
| Q3 24 | — | $584.0M | ||
| Q2 24 | — | $755.1M | ||
| Q1 24 | — | $672.6M |
总债务MCYTWLO
| Q4 25 | $575.0M | $992.3M | ||
| Q3 25 | — | $991.9M | ||
| Q2 25 | — | $991.4M | ||
| Q1 25 | — | $991.0M | ||
| Q4 24 | $575.0M | $990.6M | ||
| Q3 24 | — | $990.2M | ||
| Q2 24 | — | $989.8M | ||
| Q1 24 | — | $989.4M |
股东权益MCYTWLO
| Q4 25 | $2.4B | $7.8B | ||
| Q3 25 | $2.2B | $7.9B | ||
| Q2 25 | $2.0B | $8.0B | ||
| Q1 25 | $1.8B | $8.0B | ||
| Q4 24 | $1.9B | $8.0B | ||
| Q3 24 | $1.9B | $8.2B | ||
| Q2 24 | $1.6B | $8.7B | ||
| Q1 24 | $1.6B | $9.4B |
总资产MCYTWLO
| Q4 25 | $9.6B | $9.8B | ||
| Q3 25 | $9.4B | $9.7B | ||
| Q2 25 | $9.1B | $9.8B | ||
| Q1 25 | $9.0B | $9.8B | ||
| Q4 24 | $8.3B | $9.9B | ||
| Q3 24 | $8.2B | $10.0B | ||
| Q2 24 | $7.7B | $10.5B | ||
| Q1 24 | $7.4B | $11.3B |
负债/权益比MCYTWLO
| Q4 25 | 0.24× | 0.13× | ||
| Q3 25 | — | 0.13× | ||
| Q2 25 | — | 0.12× | ||
| Q1 25 | — | 0.12× | ||
| Q4 24 | 0.30× | 0.12× | ||
| Q3 24 | — | 0.12× | ||
| Q2 24 | — | 0.11× | ||
| Q1 24 | — | 0.10× |
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 | $271.6M |
| 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MCYTWLO
| Q4 25 | $287.9M | $271.6M | ||
| Q3 25 | $496.4M | $263.6M | ||
| Q2 25 | $371.6M | $277.1M | ||
| Q1 25 | $-68.7M | $191.0M | ||
| Q4 24 | $248.3M | $108.4M | ||
| Q3 24 | $318.1M | $204.3M | ||
| Q2 24 | $278.0M | $213.3M | ||
| Q1 24 | $192.6M | $190.1M |
自由现金流MCYTWLO
| Q4 25 | $273.9M | — | ||
| Q3 25 | $479.5M | — | ||
| Q2 25 | $357.2M | — | ||
| Q1 25 | $-81.9M | — | ||
| Q4 24 | $236.0M | — | ||
| Q3 24 | $306.2M | — | ||
| Q2 24 | $266.5M | — | ||
| Q1 24 | $182.4M | — |
自由现金流率MCYTWLO
| Q4 25 | 17.8% | — | ||
| Q3 25 | 30.3% | — | ||
| Q2 25 | 24.2% | — | ||
| Q1 25 | -5.9% | — | ||
| Q4 24 | 17.3% | — | ||
| Q3 24 | 20.0% | — | ||
| Q2 24 | 20.4% | — | ||
| Q1 24 | 14.3% | — |
资本支出强度MCYTWLO
| Q4 25 | 0.9% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 0.9% | — | ||
| Q3 24 | 0.8% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 0.8% | — |
现金转化率MCYTWLO
| Q4 25 | 1.42× | — | ||
| Q3 25 | 1.77× | 7.08× | ||
| Q2 25 | 2.23× | 12.36× | ||
| Q1 25 | — | 9.54× | ||
| Q4 24 | 2.46× | — | ||
| Q3 24 | 1.38× | — | ||
| Q2 24 | 4.44× | — | ||
| Q1 24 | 2.62× | — |
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
TWLO
| US | $879.8M | 64% |
| Non Us | $486.1M | 36% |
