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拉夫劳伦（RL）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
拉夫劳伦的季度营收约是RENAISSANCERE HOLDINGS LTD的1.1倍（$2.4B vs $2.2B），RENAISSANCERE HOLDINGS LTD净利率更高（23.5% vs 15.0%，领先8.5%），拉夫劳伦同比增速更快（12.2% vs -36.8%），过去两年拉夫劳伦的营收复合增速更高（23.9% vs -11.9%）
拉夫劳伦是源自美国的跨国时尚巨头，旗下同名高端时尚品牌风靡全球，企业规模达数十亿美元。品牌创始人拉夫劳伦于2015年9月卸任首席执行官，仍留任执行董事长兼首席创意官，主导品牌创意与整体发展方向。
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。
RL vs RNR — 直观对比
营收规模更大
RL
是对方的1.1倍
$2.2B
营收增速更快
RL
高出49.0%
-36.8%
净利率更高
RNR
高出8.5%
15.0%
两年增速更快
RL
近两年复合增速
-11.9%
损益表 — Q3 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.4B | $2.2B |
| 净利润 | $361.6M | $515.8M |
| 毛利率 | 69.9% | — |
| 营业利润率 | 19.6% | — |
| 净利率 | 15.0% | 23.5% |
| 营收同比 | 12.2% | -36.8% |
| 净利润同比 | 21.6% | 72.6% |
| 每股收益（稀释后） | $5.82 | $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RLRNR
| Q1 26 | — | $2.2B | ||
| Q4 25 | $2.4B | $3.0B | ||
| Q3 25 | $2.0B | $3.2B | ||
| Q2 25 | $1.7B | $3.2B | ||
| Q1 25 | $1.7B | $3.5B | ||
| Q4 24 | $2.1B | $2.3B | ||
| Q3 24 | $1.7B | $4.0B | ||
| Q2 24 | $1.5B | $2.8B |
净利润RLRNR
| Q1 26 | — | $515.8M | ||
| Q4 25 | $361.6M | $760.5M | ||
| Q3 25 | $207.5M | $916.5M | ||
| Q2 25 | $220.4M | $835.4M | ||
| Q1 25 | $129.0M | $170.0M | ||
| Q4 24 | $297.4M | $-189.7M | ||
| Q3 24 | $147.9M | $1.2B | ||
| Q2 24 | $168.6M | $503.9M |
毛利率RLRNR
| Q1 26 | — | — | ||
| Q4 25 | 69.9% | — | ||
| Q3 25 | 68.0% | — | ||
| Q2 25 | 72.3% | — | ||
| Q1 25 | 68.7% | — | ||
| Q4 24 | 68.4% | — | ||
| Q3 24 | 67.0% | — | ||
| Q2 24 | 70.5% | — |
营业利润率RLRNR
| Q1 26 | — | — | ||
| Q4 25 | 19.6% | 42.5% | ||
| Q3 25 | 12.2% | 46.3% | ||
| Q2 25 | 15.9% | 41.8% | ||
| Q1 25 | 9.1% | -2.0% | ||
| Q4 24 | 18.2% | -3.6% | ||
| Q3 24 | 10.4% | 43.7% | ||
| Q2 24 | 13.8% | 25.0% |
净利率RLRNR
| Q1 26 | — | 23.5% | ||
| Q4 25 | 15.0% | 25.6% | ||
| Q3 25 | 10.3% | 28.7% | ||
| Q2 25 | 12.8% | 26.1% | ||
| Q1 25 | 7.6% | 4.9% | ||
| Q4 24 | 13.9% | -8.3% | ||
| Q3 24 | 8.6% | 29.8% | ||
| Q2 24 | 11.1% | 17.8% |
每股收益（稀释后）RLRNR
| Q1 26 | — | $6.57 | ||
| Q4 25 | $5.82 | $16.16 | ||
| Q3 25 | $3.32 | $19.40 | ||
| Q2 25 | $3.52 | $17.20 | ||
| Q1 25 | $2.03 | $3.27 | ||
| Q4 24 | $4.66 | $-3.76 | ||
| Q3 24 | $2.31 | $22.62 | ||
| Q2 24 | $2.61 | $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 | $2.3B | $1.6B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.9B | $4.3B |
| 总资产 | $7.8B | $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RLRNR
| Q1 26 | — | $1.6B | ||
| Q4 25 | $2.3B | $1.7B | ||
| Q3 25 | $1.6B | $1.7B | ||
| Q2 25 | $2.3B | $1.4B | ||
| Q1 25 | $2.1B | $1.6B | ||
| Q4 24 | $2.1B | $1.7B | ||
| Q3 24 | $1.7B | $1.6B | ||
| Q2 24 | $1.8B | $1.6B |
总债务RLRNR
| 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RLRNR
| Q1 26 | — | $4.3B | ||
| Q4 25 | $2.9B | $11.6B | ||
| Q3 25 | $2.6B | $11.5B | ||
| Q2 25 | $2.5B | $10.8B | ||
| Q1 25 | $2.6B | $10.3B | ||
| Q4 24 | $2.5B | $10.6B | ||
| Q3 24 | $2.4B | $11.2B | ||
| Q2 24 | $2.4B | $10.2B |
总资产RLRNR
| Q1 26 | — | $53.7B | ||
| Q4 25 | $7.8B | $53.8B | ||
| Q3 25 | $7.3B | $54.5B | ||
| Q2 25 | $7.8B | $54.7B | ||
| Q1 25 | $7.0B | $53.6B | ||
| Q4 24 | $7.1B | $50.7B | ||
| Q3 24 | $6.8B | $52.8B | ||
| Q2 24 | $6.6B | $51.6B |
负债/权益比RLRNR
| 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 | $779.6M | — |
| 自由现金流经营现金流 - 资本支出 | $704.0M | — |
| 自由现金流率自由现金流/营收 | 29.3% | — |
| 资本支出强度资本支出/营收 | 3.1% | — |
| 现金转化率经营现金流/净利润 | 2.16× | — |
| 过去12个月自由现金流最近4个季度 | $694.5M | — |
8季度趋势，按日历期对齐
经营现金流RLRNR
| Q1 26 | — | — | ||
| Q4 25 | $779.6M | $483.0M | ||
| Q3 25 | $53.2M | $1.6B | ||
| Q2 25 | $176.1M | $1.5B | ||
| Q1 25 | $122.2M | $157.8M | ||
| Q4 24 | $738.4M | $778.9M | ||
| Q3 24 | $97.2M | $1.5B | ||
| Q2 24 | $277.3M | $1.2B |
自由现金流RLRNR
| Q1 26 | — | — | ||
| Q4 25 | $704.0M | — | ||
| Q3 25 | $-40.6M | — | ||
| Q2 25 | $-11.2M | — | ||
| Q1 25 | $42.3M | — | ||
| Q4 24 | $677.2M | — | ||
| Q3 24 | $55.5M | — | ||
| Q2 24 | $243.9M | — |
自由现金流率RLRNR
| Q1 26 | — | — | ||
| Q4 25 | 29.3% | — | ||
| Q3 25 | -2.0% | — | ||
| Q2 25 | -0.7% | — | ||
| Q1 25 | 2.5% | — | ||
| Q4 24 | 31.6% | — | ||
| Q3 24 | 3.2% | — | ||
| Q2 24 | 16.1% | — |
资本支出强度RLRNR
| Q1 26 | — | — | ||
| Q4 25 | 3.1% | — | ||
| Q3 25 | 4.7% | — | ||
| Q2 25 | 10.9% | — | ||
| Q1 25 | 4.7% | — | ||
| Q4 24 | 2.9% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 2.2% | — |
现金转化率RLRNR
| Q1 26 | — | — | ||
| Q4 25 | 2.16× | 0.64× | ||
| Q3 25 | 0.26× | 1.73× | ||
| Q2 25 | 0.80× | 1.76× | ||
| Q1 25 | 0.95× | 0.93× | ||
| Q4 24 | 2.48× | — | ||
| Q3 24 | 0.66× | 1.26× | ||
| Q2 24 | 1.64× | 2.41× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
