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RENAISSANCERE HOLDINGS LTD（RNR）与联合果品公司（UFCS）财务数据对比。点击上方公司名可切换其他公司
RENAISSANCERE HOLDINGS LTD的季度营收约是联合果品公司的8.1倍（$3.0B vs $365.8M）。RENAISSANCERE HOLDINGS LTD同比增速更快（29.6% vs 9.8%）。过去两年联合果品公司的营收复合增速更高（11.2% vs 6.9%）
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。
联合果品公司是一家美国跨国企业，主营在拉丁美洲种植园种植的热带水果贸易，产品销往美国与欧洲。公司1899年由波士顿果品公司与迈纳·C·基思的香蕉贸易企业合并成立，在20世纪上半叶发展蓬勃，掌控了中美洲、哥伦比亚加勒比海岸及西印度群岛的大片领地与运输网络。
RNR vs UFCS — 直观对比
营收规模更大
RNR
是对方的8.1倍
$365.8M
营收增速更快
RNR
高出19.8%
9.8%
两年增速更快
UFCS
近两年复合增速
6.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.0B | $365.8M |
| 净利润 | $760.5M | — |
| 毛利率 | — | — |
| 营业利润率 | 42.5% | 13.2% |
| 净利率 | 25.6% | — |
| 营收同比 | 29.6% | 9.8% |
| 净利润同比 | 501.0% | — |
| 每股收益（稀释后） | $16.16 | $1.45 |
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RNRUFCS
| Q4 25 | $3.0B | $365.8M | ||
| Q3 25 | $3.2B | $354.0M | ||
| Q2 25 | $3.2B | $335.5M | ||
| Q1 25 | $3.5B | $331.1M | ||
| Q4 24 | $2.3B | $333.2M | ||
| Q3 24 | $4.0B | $323.0M | ||
| Q2 24 | $2.8B | $301.2M | ||
| Q1 24 | $2.6B | $296.0M |
净利润RNRUFCS
| Q4 25 | $760.5M | — | ||
| Q3 25 | $916.5M | $39.2M | ||
| Q2 25 | $835.4M | $22.9M | ||
| Q1 25 | $170.0M | $17.7M | ||
| Q4 24 | $-189.7M | — | ||
| Q3 24 | $1.2B | $19.7M | ||
| Q2 24 | $503.9M | $-2.7M | ||
| Q1 24 | $373.6M | $13.5M |
营业利润率RNRUFCS
| Q4 25 | 42.5% | 13.2% | ||
| Q3 25 | 46.3% | 13.7% | ||
| Q2 25 | 41.8% | 8.7% | ||
| Q1 25 | -2.0% | 6.6% | ||
| Q4 24 | -3.6% | 11.9% | ||
| Q3 24 | 43.7% | 7.7% | ||
| Q2 24 | 25.0% | -1.3% | ||
| Q1 24 | 24.4% | 5.5% |
净利率RNRUFCS
| Q4 25 | 25.6% | — | ||
| Q3 25 | 28.7% | 11.1% | ||
| Q2 25 | 26.1% | 6.8% | ||
| Q1 25 | 4.9% | 5.3% | ||
| Q4 24 | -8.3% | — | ||
| Q3 24 | 29.8% | 6.1% | ||
| Q2 24 | 17.8% | -0.9% | ||
| Q1 24 | 14.4% | 4.6% |
每股收益（稀释后）RNRUFCS
| Q4 25 | $16.16 | $1.45 | ||
| Q3 25 | $19.40 | $1.49 | ||
| Q2 25 | $17.20 | $0.87 | ||
| Q1 25 | $3.27 | $0.67 | ||
| Q4 24 | $-3.76 | $1.22 | ||
| Q3 24 | $22.62 | $0.76 | ||
| Q2 24 | $9.41 | $-0.11 | ||
| Q1 24 | $6.94 | $0.52 |
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 | $156.3M |
| 总债务越低越好 | $2.3B | — |
| 股东权益账面价值 | $11.6B | $941.2M |
| 总资产 | $53.8B | $3.8B |
| 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RNRUFCS
| Q4 25 | $1.7B | $156.3M | ||
| Q3 25 | $1.7B | $233.7M | ||
| Q2 25 | $1.4B | $202.1M | ||
| Q1 25 | $1.6B | $183.7M | ||
| Q4 24 | $1.7B | $200.9M | ||
| Q3 24 | $1.6B | $197.4M | ||
| Q2 24 | $1.6B | $153.4M | ||
| Q1 24 | $1.6B | $217.8M |
总债务RNRUFCS
| 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RNRUFCS
| Q4 25 | $11.6B | $941.2M | ||
| Q3 25 | $11.5B | $898.7M | ||
| Q2 25 | $10.8B | $845.7M | ||
| Q1 25 | $10.3B | $817.7M | ||
| Q4 24 | $10.6B | $781.5M | ||
| Q3 24 | $11.2B | $785.8M | ||
| Q2 24 | $10.2B | $726.6M | ||
| Q1 24 | $9.8B | $736.8M |
总资产RNRUFCS
| Q4 25 | $53.8B | $3.8B | ||
| Q3 25 | $54.5B | $3.8B | ||
| Q2 25 | $54.7B | $3.7B | ||
| Q1 25 | $53.6B | $3.5B | ||
| Q4 24 | $50.7B | $3.5B | ||
| Q3 24 | $52.8B | $3.5B | ||
| Q2 24 | $51.6B | $3.4B | ||
| Q1 24 | $50.9B | $3.2B |
负债/权益比RNRUFCS
| 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 | $119.8M |
| 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 | — | — |
| 现金转化率经营现金流/净利润 | 0.64× | — |
| 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RNRUFCS
| Q4 25 | $483.0M | $119.8M | ||
| Q3 25 | $1.6B | $60.8M | ||
| Q2 25 | $1.5B | $53.4M | ||
| Q1 25 | $157.8M | $35.7M | ||
| Q4 24 | $778.9M | $156.3M | ||
| Q3 24 | $1.5B | $56.5M | ||
| Q2 24 | $1.2B | $91.3M | ||
| Q1 24 | $683.5M | $36.2M |
现金转化率RNRUFCS
| Q4 25 | 0.64× | — | ||
| Q3 25 | 1.73× | 1.55× | ||
| Q2 25 | 1.76× | 2.33× | ||
| Q1 25 | 0.93× | 2.02× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.26× | 2.86× | ||
| Q2 24 | 2.41× | — | ||
| Q1 24 | 1.83× | 2.68× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
