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PulteGroup（PHM）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
PulteGroup的季度营收约是RENAISSANCERE HOLDINGS LTD的1.6倍（$3.4B vs $2.2B），RENAISSANCERE HOLDINGS LTD净利率更高（23.5% vs 10.2%，领先13.3%），PulteGroup同比增速更快（-12.4% vs -36.8%），过去两年RENAISSANCERE HOLDINGS LTD的营收复合增速更高（-11.9% vs -13.9%）
PulteGroup Inc.是总部位于美国佐治亚州亚特兰大的住宅建造企业，2023年按房屋交付量统计为美国第三大住宅建造商，自成立以来累计已建成超过77.5万套住宅，是美国住宅开发领域的领先企业之一。
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。
PHM vs RNR — 直观对比
营收规模更大
PHM
是对方的1.6倍
$2.2B
营收增速更快
PHM
高出24.3%
-36.8%
净利率更高
RNR
高出13.3%
10.2%
两年增速更快
RNR
近两年复合增速
-13.9%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $2.2B |
| 净利润 | $347.0M | $515.8M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 10.2% | 23.5% |
| 营收同比 | -12.4% | -36.8% |
| 净利润同比 | -33.6% | 72.6% |
| 每股收益（稀释后） | — | $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PHMRNR
| Q1 26 | $3.4B | $2.2B | ||
| Q4 25 | $4.6B | $3.0B | ||
| Q3 25 | $4.4B | $3.2B | ||
| Q2 25 | $4.4B | $3.2B | ||
| Q1 25 | $3.9B | $3.5B | ||
| Q4 24 | $4.9B | $2.3B | ||
| Q3 24 | $4.5B | $4.0B | ||
| Q2 24 | $4.6B | $2.8B |
净利润PHMRNR
| Q1 26 | $347.0M | $515.8M | ||
| Q4 25 | $501.6M | $760.5M | ||
| Q3 25 | $585.8M | $916.5M | ||
| Q2 25 | $608.5M | $835.4M | ||
| Q1 25 | $522.8M | $170.0M | ||
| Q4 24 | $913.2M | $-189.7M | ||
| Q3 24 | $697.9M | $1.2B | ||
| Q2 24 | $809.1M | $503.9M |
毛利率PHMRNR
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 27.8% | — | ||
| Q2 25 | 28.6% | — | ||
| Q1 25 | 28.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 30.4% | — | ||
| Q2 24 | 31.4% | — |
营业利润率PHMRNR
| Q1 26 | — | — | ||
| Q4 25 | — | 42.5% | ||
| Q3 25 | — | 46.3% | ||
| Q2 25 | — | 41.8% | ||
| Q1 25 | — | -2.0% | ||
| Q4 24 | — | -3.6% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 25.0% |
净利率PHMRNR
| Q1 26 | 10.2% | 23.5% | ||
| Q4 25 | 10.9% | 25.6% | ||
| Q3 25 | 13.3% | 28.7% | ||
| Q2 25 | 13.8% | 26.1% | ||
| Q1 25 | 13.4% | 4.9% | ||
| Q4 24 | 18.6% | -8.3% | ||
| Q3 24 | 15.6% | 29.8% | ||
| Q2 24 | 17.6% | 17.8% |
每股收益（稀释后）PHMRNR
| Q1 26 | — | $6.57 | ||
| Q4 25 | $2.56 | $16.16 | ||
| Q3 25 | $2.96 | $19.40 | ||
| Q2 25 | $3.03 | $17.20 | ||
| Q1 25 | $2.57 | $3.27 | ||
| Q4 24 | $4.41 | $-3.76 | ||
| Q3 24 | $3.35 | $22.62 | ||
| Q2 24 | $3.83 | $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 | $1.8B | $1.6B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $13.0B | $4.3B |
| 总资产 | $5.2B | $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PHMRNR
| Q1 26 | $1.8B | $1.6B | ||
| Q4 25 | $2.0B | $1.7B | ||
| Q3 25 | $1.5B | $1.7B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.2B | $1.6B | ||
| Q4 24 | $1.6B | $1.7B | ||
| Q3 24 | $1.4B | $1.6B | ||
| Q2 24 | $1.4B | $1.6B |
总债务PHMRNR
| Q1 26 | — | — | ||
| Q4 25 | $43.9M | $2.3B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $2.3B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | $31.1M | $1.9B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.0B |
股东权益PHMRNR
| Q1 26 | $13.0B | $4.3B | ||
| Q4 25 | $13.0B | $11.6B | ||
| Q3 25 | $12.8B | $11.5B | ||
| Q2 25 | $12.6B | $10.8B | ||
| Q1 25 | $12.3B | $10.3B | ||
| Q4 24 | $12.1B | $10.6B | ||
| Q3 24 | $11.6B | $11.2B | ||
| Q2 24 | $11.2B | $10.2B |
总资产PHMRNR
| Q1 26 | $5.2B | $53.7B | ||
| Q4 25 | $18.0B | $53.8B | ||
| Q3 25 | $17.9B | $54.5B | ||
| Q2 25 | $17.6B | $54.7B | ||
| Q1 25 | $17.3B | $53.6B | ||
| Q4 24 | $17.4B | $50.7B | ||
| Q3 24 | $17.0B | $52.8B | ||
| Q2 24 | $16.5B | $51.6B |
负债/权益比PHMRNR
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | 0.20× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.21× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | 0.00× | 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 | $159.8M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | 0.7% | — |
| 现金转化率经营现金流/净利润 | 0.46× | — |
| 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PHMRNR
| Q1 26 | $159.8M | — | ||
| Q4 25 | $771.1M | $483.0M | ||
| Q3 25 | $678.4M | $1.6B | ||
| Q2 25 | $287.5M | $1.5B | ||
| Q1 25 | $134.2M | $157.8M | ||
| Q4 24 | $567.6M | $778.9M | ||
| Q3 24 | $455.9M | $1.5B | ||
| Q2 24 | $417.5M | $1.2B |
自由现金流PHMRNR
| Q1 26 | — | — | ||
| Q4 25 | $739.8M | — | ||
| Q3 25 | $651.1M | — | ||
| Q2 25 | $253.0M | — | ||
| Q1 25 | $104.6M | — | ||
| Q4 24 | $543.1M | — | ||
| Q3 24 | $417.2M | — | ||
| Q2 24 | $386.2M | — |
自由现金流率PHMRNR
| Q1 26 | — | — | ||
| Q4 25 | 16.0% | — | ||
| Q3 25 | 14.8% | — | ||
| Q2 25 | 5.7% | — | ||
| Q1 25 | 2.7% | — | ||
| Q4 24 | 11.0% | — | ||
| Q3 24 | 9.3% | — | ||
| Q2 24 | 8.4% | — |
资本支出强度PHMRNR
| Q1 26 | 0.7% | — | ||
| Q4 25 | 0.7% | — | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 0.8% | — | ||
| Q1 25 | 0.8% | — | ||
| Q4 24 | 0.5% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | 0.7% | — |
现金转化率PHMRNR
| Q1 26 | 0.46× | — | ||
| Q4 25 | 1.54× | 0.64× | ||
| Q3 25 | 1.16× | 1.73× | ||
| Q2 25 | 0.47× | 1.76× | ||
| Q1 25 | 0.26× | 0.93× | ||
| Q4 24 | 0.62× | — | ||
| Q3 24 | 0.65× | 1.26× | ||
| Q2 24 | 0.52× | 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
PHM
| Home sale revenues | $3.3B | 97% |
| Financial Services | $71.7M | 2% |
| Land sale and other revenues | $29.3M | 1% |
RNR
暂无分部数据
