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INSPERITY, INC.（NSP）与RENAISSANCERE HOLDINGS LTD（RNR）财务数据对比。点击上方公司名可切换其他公司
RENAISSANCERE HOLDINGS LTD的季度营收约是INSPERITY, INC.的1.3倍（$2.2B vs $1.7B），INSPERITY, INC.同比增速更快（3.4% vs -36.8%），过去两年INSPERITY, INC.的营收复合增速更高（-3.8% vs -11.9%）
Insperity（前身为Administaff）是总部位于美国得克萨斯州休斯顿金伍德区的专业雇主组织（PEO），专注为中小微企业提供人力资源及行政事务外包等相关服务。自2004年起，该企业长期担任冠军巡回赛职业高尔夫赛事的冠名赞助商。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
NSP vs RNR — 直观对比
营收规模更大
RNR
是对方的1.3倍
$1.7B
营收增速更快
NSP
高出40.2%
-36.8%
两年增速更快
NSP
近两年复合增速
-11.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.7B | $2.2B |
| 净利润 | — | $515.8M |
| 毛利率 | 10.3% | — |
| 营业利润率 | -2.8% | — |
| 净利率 | — | 23.5% |
| 营收同比 | 3.4% | -36.8% |
| 净利润同比 | — | 72.6% |
| 每股收益（稀释后） | $-0.87 | $6.57 |
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NSPRNR
| Q1 26 | — | $2.2B | ||
| Q4 25 | $1.7B | $3.0B | ||
| Q3 25 | $1.6B | $3.2B | ||
| Q2 25 | $1.7B | $3.2B | ||
| Q1 25 | $1.9B | $3.5B | ||
| Q4 24 | $1.6B | $2.3B | ||
| Q3 24 | $1.6B | $4.0B | ||
| Q2 24 | $1.6B | $2.8B |
净利润NSPRNR
| Q1 26 | — | $515.8M | ||
| Q4 25 | — | $760.5M | ||
| Q3 25 | $-20.0M | $916.5M | ||
| Q2 25 | $-5.0M | $835.4M | ||
| Q1 25 | $51.0M | $170.0M | ||
| Q4 24 | — | $-189.7M | ||
| Q3 24 | $3.0M | $1.2B | ||
| Q2 24 | $18.0M | $503.9M |
毛利率NSPRNR
| Q1 26 | — | — | ||
| Q4 25 | 10.3% | — | ||
| Q3 25 | 12.0% | — | ||
| Q2 25 | 13.4% | — | ||
| Q1 25 | 16.6% | — | ||
| Q4 24 | 13.5% | — | ||
| Q3 24 | 14.7% | — | ||
| Q2 24 | 16.2% | — |
营业利润率NSPRNR
| Q1 26 | — | — | ||
| Q4 25 | -2.8% | 42.5% | ||
| Q3 25 | -1.5% | 46.3% | ||
| Q2 25 | -0.4% | 41.8% | ||
| Q1 25 | 3.7% | -2.0% | ||
| Q4 24 | -0.9% | -3.6% | ||
| Q3 24 | 0.1% | 43.7% | ||
| Q2 24 | 1.4% | 25.0% |
净利率NSPRNR
| Q1 26 | — | 23.5% | ||
| Q4 25 | — | 25.6% | ||
| Q3 25 | -1.2% | 28.7% | ||
| Q2 25 | -0.3% | 26.1% | ||
| Q1 25 | 2.7% | 4.9% | ||
| Q4 24 | — | -8.3% | ||
| Q3 24 | 0.2% | 29.8% | ||
| Q2 24 | 1.1% | 17.8% |
每股收益（稀释后）NSPRNR
| Q1 26 | — | $6.57 | ||
| Q4 25 | $-0.87 | $16.16 | ||
| Q3 25 | $-0.53 | $19.40 | ||
| Q2 25 | $-0.14 | $17.20 | ||
| Q1 25 | $1.35 | $3.27 | ||
| Q4 24 | $-0.21 | $-3.76 | ||
| Q3 24 | $0.07 | $22.62 | ||
| Q2 24 | $0.48 | $9.41 |
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 | $682.0M | $1.6B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $46.0M | $4.3B |
| 总资产 | $2.2B | $53.7B |
| 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NSPRNR
| Q1 26 | — | $1.6B | ||
| Q4 25 | $682.0M | $1.7B | ||
| Q3 25 | $521.0M | $1.7B | ||
| Q2 25 | $511.0M | $1.4B | ||
| Q1 25 | $684.0M | $1.6B | ||
| Q4 24 | $1.2B | $1.7B | ||
| Q3 24 | $596.0M | $1.6B | ||
| Q2 24 | $850.0M | $1.6B |
总债务NSPRNR
| Q1 26 | — | — | ||
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $2.3B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | — | $1.9B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.0B |
股东权益NSPRNR
| Q1 26 | — | $4.3B | ||
| Q4 25 | $46.0M | $11.6B | ||
| Q3 25 | $87.0M | $11.5B | ||
| Q2 25 | $112.0M | $10.8B | ||
| Q1 25 | $119.0M | $10.3B | ||
| Q4 24 | $97.0M | $10.6B | ||
| Q3 24 | $125.0M | $11.2B | ||
| Q2 24 | $142.0M | $10.2B |
总资产NSPRNR
| Q1 26 | — | $53.7B | ||
| Q4 25 | $2.2B | $53.8B | ||
| Q3 25 | $2.0B | $54.5B | ||
| Q2 25 | $2.0B | $54.7B | ||
| Q1 25 | $2.1B | $53.6B | ||
| Q4 24 | $2.6B | $50.7B | ||
| Q3 24 | $1.9B | $52.8B | ||
| Q2 24 | $2.1B | $51.6B |
负债/权益比NSPRNR
| Q1 26 | — | — | ||
| Q4 25 | — | 0.20× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.21× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.17× | ||
| Q2 24 | — | 0.19× |
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 | $255.0M | — |
| 自由现金流经营现金流 - 资本支出 | $246.0M | — |
| 自由现金流率自由现金流/营收 | 14.7% | — |
| 资本支出强度资本支出/营收 | 0.5% | — |
| 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 | $-309.0M | — |
8季度趋势，按日历期对齐
经营现金流NSPRNR
| Q1 26 | — | — | ||
| Q4 25 | $255.0M | $483.0M | ||
| Q3 25 | $-11.0M | $1.6B | ||
| Q2 25 | $-79.0M | $1.5B | ||
| Q1 25 | $-443.0M | $157.8M | ||
| Q4 24 | $619.0M | $778.9M | ||
| Q3 24 | $-150.0M | $1.5B | ||
| Q2 24 | $20.0M | $1.2B |
自由现金流NSPRNR
| Q1 26 | — | — | ||
| Q4 25 | $246.0M | — | ||
| Q3 25 | $-20.0M | — | ||
| Q2 25 | $-86.0M | — | ||
| Q1 25 | $-449.0M | — | ||
| Q4 24 | $606.0M | — | ||
| Q3 24 | $-164.0M | — | ||
| Q2 24 | $14.0M | — |
自由现金流率NSPRNR
| Q1 26 | — | — | ||
| Q4 25 | 14.7% | — | ||
| Q3 25 | -1.2% | — | ||
| Q2 25 | -5.2% | — | ||
| Q1 25 | -24.1% | — | ||
| Q4 24 | 37.6% | — | ||
| Q3 24 | -10.5% | — | ||
| Q2 24 | 0.9% | — |
资本支出强度NSPRNR
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | — | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.8% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | 0.4% | — |
现金转化率NSPRNR
| Q1 26 | — | — | ||
| Q4 25 | — | 0.64× | ||
| Q3 25 | — | 1.73× | ||
| Q2 25 | — | 1.76× | ||
| Q1 25 | -8.69× | 0.93× | ||
| Q4 24 | — | — | ||
| Q3 24 | -50.00× | 1.26× | ||
| Q2 24 | 1.11× | 2.41× |
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
NSP
| Northeast | $455.0M | 27% |
| West | $339.0M | 20% |
| Southwest | $317.0M | 19% |
| Central | $299.0M | 18% |
| Southeast | $241.0M | 14% |
| Other Revenues | $17.0M | 1% |
RNR
暂无分部数据
