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RLI CORP（RLI）与SiriusPoint Ltd（SPNT）财务数据对比。点击上方公司名可切换其他公司
SiriusPoint Ltd的季度营收约是RLI CORP的2.1倍（$973.7M vs $465.7M），SiriusPoint Ltd净利率更高（25.1% vs 19.6%，领先5.5%），SiriusPoint Ltd同比增速更快（58.9% vs 6.1%），过去两年SiriusPoint Ltd的营收复合增速更高（19.2% vs 2.3%）
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。
SiriusPoint Ltd是一家总部位于百慕大彭布罗克的全球特种保险及再保险服务商，提供财产险、意外险、特种险种保障及另类资本解决方案，服务覆盖北美、欧洲、亚太等市场的商业客户与风险承担方，注重严谨核保与稳定的风险调整收益。
RLI vs SPNT — 直观对比
营收规模更大
SPNT
是对方的2.1倍
$465.7M
营收增速更快
SPNT
高出52.8%
6.1%
净利率更高
SPNT
高出5.5%
19.6%
两年增速更快
SPNT
近两年复合增速
2.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $465.7M | $973.7M |
| 净利润 | $91.2M | $244.1M |
| 毛利率 | — | — |
| 营业利润率 | 24.4% | 28.8% |
| 净利率 | 19.6% | 25.1% |
| 营收同比 | 6.1% | 58.9% |
| 净利润同比 | 123.1% | 1535.9% |
| 每股收益（稀释后） | $1.00 | $1.92 |
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RLISPNT
| Q4 25 | $465.7M | $973.7M | ||
| Q3 25 | $509.3M | $755.9M | ||
| Q2 25 | $499.8M | $748.2M | ||
| Q1 25 | $407.7M | $727.3M | ||
| Q4 24 | $439.1M | $612.8M | ||
| Q3 24 | $470.0M | $562.2M | ||
| Q2 24 | $416.4M | $743.3M | ||
| Q1 24 | $444.8M | $685.5M |
净利润RLISPNT
| Q4 25 | $91.2M | $244.1M | ||
| Q3 25 | $124.6M | $90.8M | ||
| Q2 25 | $124.3M | $63.2M | ||
| Q1 25 | $63.2M | $61.6M | ||
| Q4 24 | $40.9M | $-17.0M | ||
| Q3 24 | $95.0M | $8.5M | ||
| Q2 24 | $82.0M | $113.9M | ||
| Q1 24 | $127.9M | $94.8M |
营业利润率RLISPNT
| Q4 25 | 24.4% | 28.8% | ||
| Q3 25 | 30.9% | 14.7% | ||
| Q2 25 | 31.3% | 10.0% | ||
| Q1 25 | 19.3% | 10.4% | ||
| Q4 24 | 10.8% | -2.1% | ||
| Q3 24 | 24.9% | 2.0% | ||
| Q2 24 | 24.8% | 17.4% | ||
| Q1 24 | 36.0% | 15.4% |
净利率RLISPNT
| Q4 25 | 19.6% | 25.1% | ||
| Q3 25 | 24.5% | 12.0% | ||
| Q2 25 | 24.9% | 8.4% | ||
| Q1 25 | 15.5% | 8.5% | ||
| Q4 24 | 9.3% | -2.8% | ||
| Q3 24 | 20.2% | 1.5% | ||
| Q2 24 | 19.7% | 15.3% | ||
| Q1 24 | 28.8% | 13.8% |
每股收益（稀释后）RLISPNT
| Q4 25 | $1.00 | $1.92 | ||
| Q3 25 | $1.35 | $0.73 | ||
| Q2 25 | $1.34 | $0.50 | ||
| Q1 25 | $0.68 | $0.49 | ||
| Q4 24 | $-2.87 | $-0.05 | ||
| Q3 24 | $2.06 | $0.03 | ||
| Q2 24 | $1.78 | $0.57 | ||
| Q1 24 | $2.77 | $0.49 |
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 | — | $731.2M |
| 总债务越低越好 | — | $688.6M |
| 股东权益账面价值 | $1.8B | $2.5B |
| 总资产 | $6.2B | $12.6B |
| 负债/权益比越低杠杆越低 | — | 0.28× |
8季度趋势，按日历期对齐
现金及短期投资RLISPNT
| Q4 25 | — | $731.2M | ||
| Q3 25 | — | $582.4M | ||
| Q2 25 | — | $732.4M | ||
| Q1 25 | — | $740.3M | ||
| Q4 24 | — | $682.0M | ||
| Q3 24 | — | $640.7M | ||
| Q2 24 | — | $598.1M | ||
| Q1 24 | — | $867.5M |
总债务RLISPNT
| Q4 25 | — | $688.6M | ||
| Q3 25 | $100.0M | $682.5M | ||
| Q2 25 | $100.0M | $678.4M | ||
| Q1 25 | $100.0M | $663.5M | ||
| Q4 24 | $100.0M | $639.1M | ||
| Q3 24 | $100.0M | $660.5M | ||
| Q2 24 | $100.0M | $648.6M | ||
| Q1 24 | $100.0M | $770.6M |
股东权益RLISPNT
| Q4 25 | $1.8B | $2.5B | ||
| Q3 25 | $1.9B | $2.2B | ||
| Q2 25 | $1.7B | $2.1B | ||
| Q1 25 | $1.6B | $2.0B | ||
| Q4 24 | $1.5B | $1.9B | ||
| Q3 24 | $1.7B | $2.7B | ||
| Q2 24 | $1.6B | $2.7B | ||
| Q1 24 | $1.5B | $2.6B |
总资产RLISPNT
| Q4 25 | $6.2B | $12.6B | ||
| Q3 25 | $6.2B | $12.5B | ||
| Q2 25 | $6.0B | $12.4B | ||
| Q1 25 | $5.7B | $12.3B | ||
| Q4 24 | $5.6B | $12.5B | ||
| Q3 24 | $5.8B | $12.7B | ||
| Q2 24 | $5.5B | $12.8B | ||
| Q1 24 | $5.3B | $13.1B |
负债/权益比RLISPNT
| Q4 25 | — | 0.28× | ||
| Q3 25 | 0.05× | 0.31× | ||
| Q2 25 | 0.06× | 0.32× | ||
| Q1 25 | 0.06× | 0.33× | ||
| Q4 24 | 0.07× | 0.33× | ||
| Q3 24 | 0.06× | 0.25× | ||
| Q2 24 | 0.06× | 0.24× | ||
| Q1 24 | 0.07× | 0.30× |
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 | $-26.4M |
| 自由现金流经营现金流 - 资本支出 | $155.0M | — |
| 自由现金流率自由现金流/营收 | 33.3% | — |
| 资本支出强度资本支出/营收 | 0.4% | — |
| 现金转化率经营现金流/净利润 | 1.72× | -0.11× |
| 过去12个月自由现金流最近4个季度 | $608.7M | — |
8季度趋势，按日历期对齐
经营现金流RLISPNT
| Q4 25 | $156.8M | $-26.4M | ||
| Q3 25 | $179.2M | $155.6M | ||
| Q2 25 | $174.7M | $62.1M | ||
| Q1 25 | $103.5M | $-88.9M | ||
| Q4 24 | $128.1M | $107.7M | ||
| Q3 24 | $219.4M | $58.1M | ||
| Q2 24 | $141.8M | $-149.9M | ||
| Q1 24 | $70.9M | $58.8M |
自由现金流RLISPNT
| Q4 25 | $155.0M | — | ||
| Q3 25 | $177.8M | — | ||
| Q2 25 | $173.4M | — | ||
| Q1 25 | $102.5M | — | ||
| Q4 24 | $127.6M | — | ||
| Q3 24 | $219.0M | — | ||
| Q2 24 | $139.1M | — | ||
| Q1 24 | $69.9M | — |
自由现金流率RLISPNT
| Q4 25 | 33.3% | — | ||
| Q3 25 | 34.9% | — | ||
| Q2 25 | 34.7% | — | ||
| Q1 25 | 25.1% | — | ||
| Q4 24 | 29.0% | — | ||
| Q3 24 | 46.6% | — | ||
| Q2 24 | 33.4% | — | ||
| Q1 24 | 15.7% | — |
资本支出强度RLISPNT
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.7% | — | ||
| Q1 24 | 0.2% | — |
现金转化率RLISPNT
| Q4 25 | 1.72× | -0.11× | ||
| Q3 25 | 1.44× | 1.71× | ||
| Q2 25 | 1.41× | 0.98× | ||
| Q1 25 | 1.64× | -1.44× | ||
| Q4 24 | 3.13× | — | ||
| Q3 24 | 2.31× | 6.84× | ||
| Q2 24 | 1.73× | -1.32× | ||
| Q1 24 | 0.55× | 0.62× |
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% |
SPNT
暂无分部数据
