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RENAISSANCERE HOLDINGS LTD（RNR）与旅行者集团（TRV）财务数据对比。点击上方公司名可切换其他公司
旅行者集团的季度营收约是RENAISSANCERE HOLDINGS LTD的4.2倍（$12.4B vs $3.0B）。RENAISSANCERE HOLDINGS LTD净利率更高（25.6% vs 20.1%，领先5.5%）。RENAISSANCERE HOLDINGS LTD同比增速更快（29.6% vs 3.5%）。过去两年RENAISSANCERE HOLDINGS LTD的营收复合增速更高（6.9% vs 5.2%）
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。
旅行者集团是美国跨国保险企业，为美国第二大商业财产及意外伤害保险承保商，同时是美国第六大通过独立代理人展业的个人保险提供商。公司注册地为明尼苏达州，总部设于纽约市，最大办事处在康涅狄格州哈特福德，2009年6月8日起成为道琼斯工业平均指数成分股。
RNR vs TRV — 直观对比
营收规模更大
TRV
是对方的4.2倍
$3.0B
营收增速更快
RNR
高出26.1%
3.5%
净利率更高
RNR
高出5.5%
20.1%
两年增速更快
RNR
近两年复合增速
5.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.0B | $12.4B |
| 净利润 | $760.5M | $2.5B |
| 毛利率 | — | — |
| 营业利润率 | 42.5% | 25.0% |
| 净利率 | 25.6% | 20.1% |
| 营收同比 | 29.6% | 3.5% |
| 净利润同比 | 501.0% | 19.9% |
| 每股收益（稀释后） | $16.16 | $10.96 |
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RNRTRV
| Q4 25 | $3.0B | $12.4B | ||
| Q3 25 | $3.2B | $12.5B | ||
| Q2 25 | $3.2B | $12.1B | ||
| Q1 25 | $3.5B | $11.8B | ||
| Q4 24 | $2.3B | $12.0B | ||
| Q3 24 | $4.0B | $11.9B | ||
| Q2 24 | $2.8B | $11.3B | ||
| Q1 24 | $2.6B | $11.2B |
净利润RNRTRV
| Q4 25 | $760.5M | $2.5B | ||
| Q3 25 | $916.5M | $1.9B | ||
| Q2 25 | $835.4M | $1.5B | ||
| Q1 25 | $170.0M | $395.0M | ||
| Q4 24 | $-189.7M | $2.1B | ||
| Q3 24 | $1.2B | $1.3B | ||
| Q2 24 | $503.9M | $534.0M | ||
| Q1 24 | $373.6M | $1.1B |
营业利润率RNRTRV
| Q4 25 | 42.5% | 25.0% | ||
| Q3 25 | 46.3% | 18.8% | ||
| Q2 25 | 41.8% | 15.5% | ||
| Q1 25 | -2.0% | 4.0% | ||
| Q4 24 | -3.6% | 21.6% | ||
| Q3 24 | 43.7% | 13.1% | ||
| Q2 24 | 25.0% | 5.8% | ||
| Q1 24 | 24.4% | 12.2% |
净利率RNRTRV
| Q4 25 | 25.6% | 20.1% | ||
| Q3 25 | 28.7% | 15.1% | ||
| Q2 25 | 26.1% | 12.5% | ||
| Q1 25 | 4.9% | 3.3% | ||
| Q4 24 | -8.3% | 17.3% | ||
| Q3 24 | 29.8% | 10.6% | ||
| Q2 24 | 17.8% | 4.7% | ||
| Q1 24 | 14.4% | 10.0% |
每股收益（稀释后）RNRTRV
| Q4 25 | $16.16 | $10.96 | ||
| Q3 25 | $19.40 | $8.24 | ||
| Q2 25 | $17.20 | $6.53 | ||
| Q1 25 | $3.27 | $1.70 | ||
| Q4 24 | $-3.76 | $8.96 | ||
| Q3 24 | $22.62 | $5.42 | ||
| Q2 24 | $9.41 | $2.29 | ||
| Q1 24 | $6.94 | $4.80 |
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 | $1.7B | — |
| 总债务越低越好 | $2.3B | — |
| 股东权益账面价值 | $11.6B | $32.9B |
| 总资产 | $53.8B | $143.7B |
| 负债/权益比越低杠杆越低 | 0.20× | — |
8季度趋势，按日历期对齐
现金及短期投资RNRTRV
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.7B | — | ||
| Q2 25 | $1.4B | — | ||
| Q1 25 | $1.6B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.6B | — | ||
| Q2 24 | $1.6B | — | ||
| Q1 24 | $1.6B | — |
总债务RNRTRV
| 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 | — | ||
| Q1 24 | $1.9B | — |
股东权益RNRTRV
| Q4 25 | $11.6B | $32.9B | ||
| Q3 25 | $11.5B | $31.6B | ||
| Q2 25 | $10.8B | $29.5B | ||
| Q1 25 | $10.3B | $28.2B | ||
| Q4 24 | $10.6B | $27.9B | ||
| Q3 24 | $11.2B | $27.7B | ||
| Q2 24 | $10.2B | $24.9B | ||
| Q1 24 | $9.8B | $25.0B |
总资产RNRTRV
| Q4 25 | $53.8B | $143.7B | ||
| Q3 25 | $54.5B | $143.7B | ||
| Q2 25 | $54.7B | $138.9B | ||
| Q1 25 | $53.6B | $136.0B | ||
| Q4 24 | $50.7B | $133.2B | ||
| Q3 24 | $52.8B | $134.6B | ||
| Q2 24 | $51.6B | $129.3B | ||
| Q1 24 | $50.9B | $127.4B |
负债/权益比RNRTRV
| 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× | — | ||
| Q1 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 | $483.0M | $2.7B |
| 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 | — | — |
| 现金转化率经营现金流/净利润 | 0.64× | 1.08× |
| 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RNRTRV
| Q4 25 | $483.0M | $2.7B | ||
| Q3 25 | $1.6B | $4.2B | ||
| Q2 25 | $1.5B | $2.3B | ||
| Q1 25 | $157.8M | $1.4B | ||
| Q4 24 | $778.9M | $2.1B | ||
| Q3 24 | $1.5B | $3.9B | ||
| Q2 24 | $1.2B | $1.7B | ||
| Q1 24 | $683.5M | $1.5B |
现金转化率RNRTRV
| Q4 25 | 0.64× | 1.08× | ||
| Q3 25 | 1.73× | 2.24× | ||
| Q2 25 | 1.76× | 1.55× | ||
| Q1 25 | 0.93× | 3.44× | ||
| Q4 24 | — | 0.99× | ||
| Q3 24 | 1.26× | 3.08× | ||
| Q2 24 | 2.41× | 3.14× | ||
| Q1 24 | 1.83× | 1.30× |
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
RNR
暂无分部数据
TRV
| Business And International Insurance | $6.6B | 53% |
| Personal Insurance | $4.6B | 37% |
| Bond And Specialty Insurance | $1.2B | 9% |
