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RLI CORP（RLI）与Rackspace Technology, Inc.（RXT）财务数据对比。点击上方公司名可切换其他公司
Rackspace Technology, Inc.的季度营收约是RLI CORP的1.5倍（$682.8M vs $465.7M），RLI CORP净利率更高（19.6% vs -4.8%，领先24.4%），RLI CORP同比增速更快（6.1% vs -0.4%），RLI CORP自由现金流更多（$155.0M vs $56.0M），过去两年RLI CORP的营收复合增速更高（2.3% vs -0.6%）
RLI Corp是一家总部位于美国伊利诺伊州皮奥里亚的专业保险公司，主营财产保险与意外伤害保险业务，深耕保险领域多年，凭借成熟的风险管控体系与定制化产品矩阵，为不同类型的客户提供全面可靠的风险保障服务。
Rackspace Technology, Inc.是总部位于美国得克萨斯州圣安东尼奥的云计算企业，在弗吉尼亚州雷斯顿以及澳大利亚、加拿大、英国、印度、迪拜、瑞士、荷兰、德国、新加坡、墨西哥、中国香港等多个国家和地区设有办事处，数据中心分布于全球多个主要城市，为客户提供专业的云计算相关服务。
RLI vs RXT — 直观对比
营收规模更大
RXT
是对方的1.5倍
$465.7M
营收增速更快
RLI
高出6.5%
-0.4%
净利率更高
RLI
高出24.4%
-4.8%
自由现金流更多
RLI
多$99.0M
$56.0M
两年增速更快
RLI
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $465.7M | $682.8M |
| 净利润 | $91.2M | $-32.7M |
| 毛利率 | — | 17.6% |
| 营业利润率 | 24.4% | -0.5% |
| 净利率 | 19.6% | -4.8% |
| 营收同比 | 6.1% | -0.4% |
| 净利润同比 | 123.1% | 41.6% |
| 每股收益（稀释后） | $1.00 | $-0.13 |
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RLIRXT
| Q4 25 | $465.7M | $682.8M | ||
| Q3 25 | $509.3M | $671.2M | ||
| Q2 25 | $499.8M | $666.3M | ||
| Q1 25 | $407.7M | $665.4M | ||
| Q4 24 | $439.1M | $685.6M | ||
| Q3 24 | $470.0M | $675.8M | ||
| Q2 24 | $416.4M | $684.9M | ||
| Q1 24 | $444.8M | $690.8M |
净利润RLIRXT
| Q4 25 | $91.2M | $-32.7M | ||
| Q3 25 | $124.6M | $-67.1M | ||
| Q2 25 | $124.3M | $-54.5M | ||
| Q1 25 | $63.2M | $-71.5M | ||
| Q4 24 | $40.9M | $-56.0M | ||
| Q3 24 | $95.0M | $-186.6M | ||
| Q2 24 | $82.0M | $25.0M | ||
| Q1 24 | $127.9M | $-640.6M |
毛利率RLIRXT
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 19.4% | ||
| Q2 25 | — | 19.4% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 19.2% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | — | 19.2% | ||
| Q1 24 | — | 19.2% |
营业利润率RLIRXT
| Q4 25 | 24.4% | -0.5% | ||
| Q3 25 | 30.9% | -5.1% | ||
| Q2 25 | 31.3% | -3.8% | ||
| Q1 25 | 19.3% | -5.8% | ||
| Q4 24 | 10.8% | -4.2% | ||
| Q3 24 | 24.9% | -25.7% | ||
| Q2 24 | 24.8% | -7.9% | ||
| Q1 24 | 36.0% | -94.5% |
净利率RLIRXT
| Q4 25 | 19.6% | -4.8% | ||
| Q3 25 | 24.5% | -10.0% | ||
| Q2 25 | 24.9% | -8.2% | ||
| Q1 25 | 15.5% | -10.7% | ||
| Q4 24 | 9.3% | -8.2% | ||
| Q3 24 | 20.2% | -27.6% | ||
| Q2 24 | 19.7% | 3.7% | ||
| Q1 24 | 28.8% | -92.7% |
每股收益（稀释后）RLIRXT
| Q4 25 | $1.00 | $-0.13 | ||
| Q3 25 | $1.35 | $-0.28 | ||
| Q2 25 | $1.34 | $-0.23 | ||
| Q1 25 | $0.68 | $-0.31 | ||
| Q4 24 | $-2.87 | $-0.20 | ||
| Q3 24 | $2.06 | $-0.82 | ||
| Q2 24 | $1.78 | $0.11 | ||
| Q1 24 | $2.77 | $-2.91 |
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 | — | $105.8M |
| 总债务越低越好 | — | $2.7B |
| 股东权益账面价值 | $1.8B | $-1.2B |
| 总资产 | $6.2B | $2.8B |
| 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RLIRXT
| Q4 25 | — | $105.8M | ||
| Q3 25 | — | $99.5M | ||
| Q2 25 | — | $103.9M | ||
| Q1 25 | — | $128.0M | ||
| Q4 24 | — | $144.0M | ||
| Q3 24 | — | $157.1M | ||
| Q2 24 | — | $190.2M | ||
| Q1 24 | — | $282.6M |
总债务RLIRXT
| Q4 25 | — | $2.7B | ||
| Q3 25 | $100.0M | $2.8B | ||
| Q2 25 | $100.0M | $2.8B | ||
| Q1 25 | $100.0M | $2.8B | ||
| Q4 24 | $100.0M | $2.8B | ||
| Q3 24 | $100.0M | $2.8B | ||
| Q2 24 | $100.0M | $2.9B | ||
| Q1 24 | $100.0M | $3.0B |
股东权益RLIRXT
| Q4 25 | $1.8B | $-1.2B | ||
| Q3 25 | $1.9B | $-1.2B | ||
| Q2 25 | $1.7B | $-1.1B | ||
| Q1 25 | $1.6B | $-1.1B | ||
| Q4 24 | $1.5B | $-1.0B | ||
| Q3 24 | $1.7B | $-949.7M | ||
| Q2 24 | $1.6B | $-756.2M | ||
| Q1 24 | $1.5B | $-787.2M |
总资产RLIRXT
| Q4 25 | $6.2B | $2.8B | ||
| Q3 25 | $6.2B | $2.8B | ||
| Q2 25 | $6.0B | $2.9B | ||
| Q1 25 | $5.7B | $3.0B | ||
| Q4 24 | $5.6B | $3.1B | ||
| Q3 24 | $5.8B | $3.1B | ||
| Q2 24 | $5.5B | $3.4B | ||
| Q1 24 | $5.3B | $3.5B |
负债/权益比RLIRXT
| Q4 25 | — | — | ||
| Q3 25 | 0.05× | — | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 0.06× | — | ||
| Q4 24 | 0.07× | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 24 | 0.06× | — | ||
| Q1 24 | 0.07× | — |
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 | $156.8M | $59.7M |
| 自由现金流经营现金流 - 资本支出 | $155.0M | $56.0M |
| 自由现金流率自由现金流/营收 | 33.3% | 8.2% |
| 资本支出强度资本支出/营收 | 0.4% | 0.5% |
| 现金转化率经营现金流/净利润 | 1.72× | — |
| 过去12个月自由现金流最近4个季度 | $608.7M | $90.6M |
8季度趋势，按日历期对齐
经营现金流RLIRXT
| Q4 25 | $156.8M | $59.7M | ||
| Q3 25 | $179.2M | $70.7M | ||
| Q2 25 | $174.7M | $8.4M | ||
| Q1 25 | $103.5M | $12.6M | ||
| Q4 24 | $128.1M | $54.3M | ||
| Q3 24 | $219.4M | $51.8M | ||
| Q2 24 | $141.8M | $24.1M | ||
| Q1 24 | $70.9M | $-90.3M |
自由现金流RLIRXT
| Q4 25 | $155.0M | $56.0M | ||
| Q3 25 | $177.8M | $42.7M | ||
| Q2 25 | $173.4M | $-12.4M | ||
| Q1 25 | $102.5M | $4.3M | ||
| Q4 24 | $127.6M | $34.4M | ||
| Q3 24 | $219.0M | $27.3M | ||
| Q2 24 | $139.1M | $-14.5M | ||
| Q1 24 | $69.9M | $-118.4M |
自由现金流率RLIRXT
| Q4 25 | 33.3% | 8.2% | ||
| Q3 25 | 34.9% | 6.4% | ||
| Q2 25 | 34.7% | -1.9% | ||
| Q1 25 | 25.1% | 0.6% | ||
| Q4 24 | 29.0% | 5.0% | ||
| Q3 24 | 46.6% | 4.0% | ||
| Q2 24 | 33.4% | -2.1% | ||
| Q1 24 | 15.7% | -17.1% |
资本支出强度RLIRXT
| Q4 25 | 0.4% | 0.5% | ||
| Q3 25 | 0.3% | 4.2% | ||
| Q2 25 | 0.3% | 3.1% | ||
| Q1 25 | 0.3% | 1.2% | ||
| Q4 24 | 0.1% | 2.9% | ||
| Q3 24 | 0.1% | 3.6% | ||
| Q2 24 | 0.7% | 5.6% | ||
| Q1 24 | 0.2% | 4.1% |
现金转化率RLIRXT
| Q4 25 | 1.72× | — | ||
| Q3 25 | 1.44× | — | ||
| Q2 25 | 1.41× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 3.13× | — | ||
| Q3 24 | 2.31× | — | ||
| Q2 24 | 1.73× | 0.96× | ||
| Q1 24 | 0.55× | — |
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
RLI
| Casualty Segment | $246.8M | 53% |
| Property Insurance Segment | $122.5M | 26% |
| Other | $59.3M | 13% |
| Surety Insurance Segment | $37.1M | 8% |
RXT
| Public Cloud Services Segment | $442.2M | 65% |
| Private Cloud Service Segment | $240.6M | 35% |
