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Neptune Insurance Holdings Inc.（NP）与天瑞祥控股有限公司（TIRX）财务数据对比。点击上方公司名可切换其他公司
Neptune Insurance Holdings Inc.的季度营收约是天瑞祥控股有限公司的18.8倍（$37.8M vs $2.0M）。Neptune Insurance Holdings Inc.净利率更高（0.1% vs -12.3%，领先12.5%）。Neptune Insurance Holdings Inc.同比增速更快（28.8% vs -35.8%）
海王星保险控股有限公司是一家专业保险控股企业，主要经营财产及意外伤害保险业务，核心产品覆盖美国市场的住宅与商业洪水保险，服务个人消费者及中小型商业客户，依托数据分析实现精准定价和高效风险管理。
天瑞祥控股有限公司是总部位于中国的保险中介服务提供商，代理销售多家合作保险公司的财险、意外险、寿险等多元保险产品，主要服务中国大陆各区域的个人及企业客户。
NP vs TIRX — 直观对比
营收规模更大
NP
是对方的18.8倍
$2.0M
营收增速更快
NP
高出64.5%
-35.8%
净利率更高
NP
高出12.5%
-12.3%
损益表 — Q1 2026 vs Q2 2025
| 指标 | | |
|---|---|---|
| 营收 | $37.8M | $2.0M |
| 净利润 | $50.0K | $-248.3K |
| 毛利率 | — | 85.6% |
| 营业利润率 | — | -6.7% |
| 净利率 | 0.1% | -12.3% |
| 营收同比 | 28.8% | -35.8% |
| 净利润同比 | 0.0% | -159.3% |
| 每股收益（稀释后） | $0.05 | $-0.02 |
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NPTIRX
| Q1 26 | $37.8M | — | ||
| Q3 25 | $44.4M | — | ||
| Q2 25 | — | $2.0M | ||
| Q3 24 | $33.8M | — | ||
| Q2 24 | — | $3.1M | ||
| Q2 23 | — | $724.9K | ||
| Q2 22 | — | $945.6K |
净利润NPTIRX
| Q1 26 | $50.0K | — | ||
| Q3 25 | $11.5M | — | ||
| Q2 25 | — | $-248.3K | ||
| Q3 24 | $12.1M | — | ||
| Q2 24 | — | $418.9K | ||
| Q2 23 | — | $-1.5M | ||
| Q2 22 | — | $-3.5M |
毛利率NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 85.6% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 89.7% | ||
| Q2 23 | — | — | ||
| Q2 22 | — | — |
营业利润率NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | 46.7% | — | ||
| Q2 25 | — | -6.7% | ||
| Q3 24 | 58.6% | — | ||
| Q2 24 | — | 18.6% | ||
| Q2 23 | — | -266.0% | ||
| Q2 22 | — | -410.3% |
净利率NPTIRX
| Q1 26 | 0.1% | — | ||
| Q3 25 | 25.9% | — | ||
| Q2 25 | — | -12.3% | ||
| Q3 24 | 35.8% | — | ||
| Q2 24 | — | 13.4% | ||
| Q2 23 | — | -205.0% | ||
| Q2 22 | — | -370.5% |
每股收益（稀释后）NPTIRX
| Q1 26 | $0.05 | — | ||
| Q3 25 | $0.06 | — | ||
| Q2 25 | — | $-0.02 | ||
| Q3 24 | $0.06 | — | ||
| Q2 24 | — | $0.01 | ||
| Q2 23 | — | $-2.50 | ||
| Q2 22 | — | $-1.42 |
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 | — | $28.0M |
| 总债务越低越好 | — | $3.5M |
| 股东权益账面价值 | — | $-16.1M |
| 总资产 | — | $6.0M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | $12.2M | — | ||
| Q2 25 | — | $28.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $27.5M | ||
| Q2 23 | — | $35.9M | ||
| Q2 22 | — | $29.0M |
总债务NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | $247.6M | — | ||
| Q2 25 | — | $3.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q2 23 | — | — | ||
| Q2 22 | — | — |
股东权益NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | $-509.5M | — | ||
| Q2 25 | — | $-16.1M | ||
| Q3 24 | $-374.3M | — | ||
| Q2 24 | — | $32.3M | ||
| Q2 23 | — | $34.5M | ||
| Q2 22 | — | $37.1M |
总资产NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | $89.6M | — | ||
| Q2 25 | — | $6.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $38.0M | ||
| Q2 23 | — | $37.0M | ||
| Q2 22 | — | $38.6M |
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 | — | $263.7K |
| 自由现金流经营现金流 - 资本支出 | — | $263.1K |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | — |
| 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NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $263.7K | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-646.8K | ||
| Q2 23 | — | $761.6K | ||
| Q2 22 | — | $-75.6K |
自由现金流NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $263.1K | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q2 23 | — | — | ||
| Q2 22 | — | $-78.0K |
自由现金流率NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 13.1% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q2 23 | — | — | ||
| Q2 22 | — | -8.3% |
资本支出强度NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.0% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q2 23 | — | 0.0% | ||
| Q2 22 | — | 0.3% |
现金转化率NPTIRX
| Q1 26 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -1.54× | ||
| Q2 23 | — | — | ||
| Q2 22 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
