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Progressive Corporation（PGR）与RYDER SYSTEM INC（R）财务数据对比。点击上方公司名可切换其他公司
Progressive Corporation的季度营收约是RYDER SYSTEM INC的7.3倍（$22.7B vs $3.1B），Progressive Corporation净利率更高（13.0% vs 3.0%，领先10.0%），Progressive Corporation同比增速更快（12.2% vs 1.0%），Progressive Corporation自由现金流更多（$3.0B vs $273.0M），过去两年Progressive Corporation的营收复合增速更高（14.9% vs -0.9%）
美国Progressive Corporation是1937年由杰克·格林与约瑟夫·M·刘易斯联合创立的保险公司，总部位于俄亥俄州梅菲尔德，是美国第二大汽车保险服务商，仅次于州立农业保险。其业务覆盖乘用车、摩托车、房车、船只、商用车等险种，同时通过合作机构提供家财险、寿险、宠物险等多元保险产品。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
PGR vs R — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $22.7B | $3.1B |
| 净利润 | $3.0B | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | 16.2% | — |
| 净利率 | 13.0% | 3.0% |
| 营收同比 | 12.2% | 1.0% |
| 净利润同比 | 25.3% | -5.1% |
| 每股收益（稀释后） | $5.01 | $2.34 |
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
| Q1 26 | — | $3.1B | ||
| Q4 25 | $22.7B | $3.2B | ||
| Q3 25 | $22.5B | $3.2B | ||
| Q2 25 | $22.0B | $3.2B | ||
| Q1 25 | $20.4B | $3.1B | ||
| Q4 24 | $20.3B | $3.2B | ||
| Q3 24 | $19.7B | $3.2B | ||
| Q2 24 | $18.1B | $3.2B |
| Q1 26 | — | $93.0M | ||
| Q4 25 | $3.0B | $132.0M | ||
| Q3 25 | $2.6B | $138.0M | ||
| Q2 25 | $3.2B | $131.0M | ||
| Q1 25 | $2.6B | $98.0M | ||
| Q4 24 | $2.4B | $135.0M | ||
| Q3 24 | $2.3B | $142.0M | ||
| Q2 24 | $1.5B | $127.0M |
| Q1 26 | — | — | ||
| Q4 25 | 16.2% | 5.6% | ||
| Q3 25 | 14.8% | 6.0% | ||
| Q2 25 | 18.1% | 5.8% | ||
| Q1 25 | 15.9% | 4.3% | ||
| Q4 24 | 14.6% | 5.7% | ||
| Q3 24 | 14.9% | 5.9% | ||
| Q2 24 | 10.3% | 5.6% |
| Q1 26 | — | 3.0% | ||
| Q4 25 | 13.0% | 4.2% | ||
| Q3 25 | 11.6% | 4.4% | ||
| Q2 25 | 14.4% | 4.1% | ||
| Q1 25 | 12.6% | 3.1% | ||
| Q4 24 | 11.6% | 4.2% | ||
| Q3 24 | 11.8% | 4.5% | ||
| Q2 24 | 8.0% | 4.0% |
| Q1 26 | — | $2.34 | ||
| Q4 25 | $5.01 | $3.22 | ||
| Q3 25 | $4.45 | $3.32 | ||
| Q2 25 | $5.40 | $3.13 | ||
| Q1 25 | $4.37 | $2.27 | ||
| Q4 24 | $4.01 | $3.09 | ||
| Q3 24 | $3.97 | $3.24 | ||
| Q2 24 | $2.48 | $2.84 |
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 | $10.0B | $182.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $30.3B | $2.9B |
| 总资产 | $123.0B | — |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q1 26 | — | $182.0M | ||
| Q4 25 | $10.0B | $198.0M | ||
| Q3 25 | $1.5B | $189.0M | ||
| Q2 25 | $2.1B | $180.0M | ||
| Q1 25 | $2.6B | $151.0M | ||
| Q4 24 | $615.0M | $154.0M | ||
| Q3 24 | $757.0M | $162.0M | ||
| Q2 24 | $733.0M | $164.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $6.8B | ||
| Q3 25 | — | $7.3B | ||
| Q2 25 | — | $7.0B | ||
| Q1 25 | — | $6.7B | ||
| Q4 24 | — | $6.7B | ||
| Q3 24 | — | $6.6B | ||
| Q2 24 | — | $6.5B |
| Q1 26 | — | $2.9B | ||
| Q4 25 | $30.3B | $3.1B | ||
| Q3 25 | $35.4B | $3.1B | ||
| Q2 25 | $32.6B | $3.1B | ||
| Q1 25 | $29.0B | $3.0B | ||
| Q4 24 | $25.6B | $3.1B | ||
| Q3 24 | $27.2B | $3.1B | ||
| Q2 24 | $23.3B | $3.1B |
| Q1 26 | — | — | ||
| Q4 25 | $123.0B | $16.4B | ||
| Q3 25 | $121.5B | $16.5B | ||
| Q2 25 | $115.5B | $16.5B | ||
| Q1 25 | $111.4B | $16.4B | ||
| Q4 24 | $105.7B | $16.7B | ||
| Q3 24 | $105.2B | $16.5B | ||
| Q2 24 | $97.9B | $16.4B |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.24× | ||
| Q3 25 | — | 2.35× | ||
| Q2 25 | — | 2.27× | ||
| Q1 25 | — | 2.21× | ||
| Q4 24 | — | 2.14× | ||
| Q3 24 | — | 2.17× | ||
| Q2 24 | — | 2.09× |
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 | $3.2B | $583.0M |
| 自由现金流经营现金流 - 资本支出 | $3.0B | $273.0M |
| 自由现金流率自由现金流/营收 | 13.4% | 8.7% |
| 资本支出强度资本支出/营收 | 0.5% | 13.7% |
| 现金转化率经营现金流/净利润 | 1.07× | 6.27× |
| 过去12个月自由现金流最近4个季度 | $17.2B | $595.0M |
8季度趋势，按日历期对齐
| Q1 26 | — | $583.0M | ||
| Q4 25 | $3.2B | $749.0M | ||
| Q3 25 | $5.2B | $442.0M | ||
| Q2 25 | $4.0B | $752.0M | ||
| Q1 25 | $5.1B | $651.0M | ||
| Q4 24 | $3.0B | $558.0M | ||
| Q3 24 | $4.6B | $629.0M | ||
| Q2 24 | $3.3B | $552.0M |
| Q1 26 | — | $273.0M | ||
| Q4 25 | $3.0B | $344.0M | ||
| Q3 25 | $5.1B | $-85.0M | ||
| Q2 25 | $3.9B | $63.0M | ||
| Q1 25 | $5.1B | $137.0M | ||
| Q4 24 | $2.9B | $-201.0M | ||
| Q3 24 | $4.6B | $30.0M | ||
| Q2 24 | $3.2B | $-87.0M |
| Q1 26 | — | 8.7% | ||
| Q4 25 | 13.4% | 10.8% | ||
| Q3 25 | 22.8% | -2.7% | ||
| Q2 25 | 17.9% | 2.0% | ||
| Q1 25 | 24.9% | 4.4% | ||
| Q4 24 | 14.3% | -6.3% | ||
| Q3 24 | 23.1% | 0.9% | ||
| Q2 24 | 17.6% | -2.7% |
| Q1 26 | — | 13.7% | ||
| Q4 25 | 0.5% | 12.8% | ||
| Q3 25 | 0.3% | 16.6% | ||
| Q2 25 | 0.5% | 21.6% | ||
| Q1 25 | 0.3% | 16.4% | ||
| Q4 24 | 0.5% | 23.8% | ||
| Q3 24 | 0.3% | 18.9% | ||
| Q2 24 | 0.4% | 20.1% |
| Q1 26 | — | 6.27× | ||
| Q4 25 | 1.07× | 5.67× | ||
| Q3 25 | 1.99× | 3.20× | ||
| Q2 25 | 1.27× | 5.74× | ||
| Q1 25 | 2.00× | 6.64× | ||
| Q4 24 | 1.28× | 4.13× | ||
| Q3 24 | 1.97× | 4.43× | ||
| Q2 24 | 2.24× | 4.35× |
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
PGR
| Other | $11.9B | 52% |
| Commercial Lines Segment | $10.9B | 48% |
| Other Indemnity | $2.0M | 0% |
R
| Fleet Management Solutions | $1.5B | 47% |
| ChoiceLease | $878.0M | 28% |
| Dedicated Transportation Solutions | $553.0M | 18% |
| Commercial rental | $211.0M | 7% |
