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怡安集团（RYAN）与天瑞祥控股有限公司（TIRX）财务数据对比。点击上方公司名可切换其他公司
怡安集团的季度营收约是天瑞祥控股有限公司的366.8倍（$738.0M vs $2.0M）。怡安集团净利率更高（1.1% vs -12.3%，领先13.4%）。怡安集团同比增速更快（13.6% vs -35.8%）
怡安集团是一家业务横跨英美两国的专业服务企业，目前主要开展两大板块业务：风险资本板块提供风险管理、保险及再保险领域的经纪与咨询服务；人力资本板块则提供健康保险、退休计划、养老金计划与人才咨询相关服务。
天瑞祥控股有限公司是总部位于中国的保险中介服务提供商，代理销售多家合作保险公司的财险、意外险、寿险等多元保险产品，主要服务中国大陆各区域的个人及企业客户。
RYAN vs TIRX — 直观对比
营收规模更大
RYAN
是对方的366.8倍
$2.0M
营收增速更快
RYAN
高出49.4%
-35.8%
净利率更高
RYAN
高出13.4%
-12.3%
损益表 — Q4 2025 vs Q2 2025
| 指标 | | |
|---|---|---|
| 营收 | $738.0M | $2.0M |
| 净利润 | $8.0M | $-248.3K |
| 毛利率 | — | 85.6% |
| 营业利润率 | 12.4% | -6.7% |
| 净利率 | 1.1% | -12.3% |
| 营收同比 | 13.6% | -35.8% |
| 净利润同比 | -42.0% | -159.3% |
| 每股收益（稀释后） | — | $-0.02 |
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RYANTIRX
| Q4 25 | $738.0M | — | ||
| Q3 25 | $739.6M | — | ||
| Q2 25 | $840.9M | $2.0M | ||
| Q1 25 | $676.1M | — | ||
| Q4 24 | $649.4M | — | ||
| Q3 24 | $588.1M | — | ||
| Q2 24 | $680.2M | $3.1M | ||
| Q1 24 | $537.9M | — |
净利润RYANTIRX
| Q4 25 | $8.0M | — | ||
| Q3 25 | $31.1M | — | ||
| Q2 25 | $52.0M | $-248.3K | ||
| Q1 25 | $-27.6M | — | ||
| Q4 24 | $13.8M | — | ||
| Q3 24 | $17.6M | — | ||
| Q2 24 | $46.8M | $418.9K | ||
| Q1 24 | $16.5M | — |
毛利率RYANTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 85.6% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 89.7% | ||
| Q1 24 | — | — |
营业利润率RYANTIRX
| Q4 25 | 12.4% | — | ||
| Q3 25 | 15.0% | — | ||
| Q2 25 | 22.7% | -6.7% | ||
| Q1 25 | 14.8% | — | ||
| Q4 24 | 16.8% | — | ||
| Q3 24 | 13.9% | — | ||
| Q2 24 | 24.2% | 18.6% | ||
| Q1 24 | 13.5% | — |
净利率RYANTIRX
| Q4 25 | 1.1% | — | ||
| Q3 25 | 4.2% | — | ||
| Q2 25 | 6.2% | -12.3% | ||
| Q1 25 | -4.1% | — | ||
| Q4 24 | 2.1% | — | ||
| Q3 24 | 3.0% | — | ||
| Q2 24 | 6.9% | 13.4% | ||
| Q1 24 | 3.1% | — |
每股收益（稀释后）RYANTIRX
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $-0.02 | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $0.01 | ||
| Q1 24 | — | — |
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 | $158.3M | $28.0M |
| 总债务越低越好 | $3.3B | $3.5M |
| 股东权益账面价值 | $648.1M | $-16.1M |
| 总资产 | $10.6B | $6.0M |
| 负债/权益比越低杠杆越低 | 5.16× | — |
8季度趋势，按日历期对齐
现金及短期投资RYANTIRX
| Q4 25 | $158.3M | — | ||
| Q3 25 | $153.5M | — | ||
| Q2 25 | $172.6M | $28.0M | ||
| Q1 25 | $203.5M | — | ||
| Q4 24 | $540.2M | — | ||
| Q3 24 | $235.2M | — | ||
| Q2 24 | $1.7B | $27.5M | ||
| Q1 24 | $1.6B | — |
总债务RYANTIRX
| Q4 25 | $3.3B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $3.5M | ||
| Q1 25 | — | — | ||
| Q4 24 | $3.3B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益RYANTIRX
| Q4 25 | $648.1M | — | ||
| Q3 25 | $630.5M | — | ||
| Q2 25 | $610.1M | $-16.1M | ||
| Q1 25 | $542.5M | — | ||
| Q4 24 | $627.7M | — | ||
| Q3 24 | $632.8M | — | ||
| Q2 24 | $605.9M | $32.3M | ||
| Q1 24 | $554.4M | — |
总资产RYANTIRX
| Q4 25 | $10.6B | — | ||
| Q3 25 | $9.9B | — | ||
| Q2 25 | $10.6B | $6.0M | ||
| Q1 25 | $9.9B | — | ||
| Q4 24 | $9.6B | — | ||
| Q3 24 | $8.5B | — | ||
| Q2 24 | $8.3B | $38.0M | ||
| Q1 24 | $7.1B | — |
负债/权益比RYANTIRX
| Q4 25 | 5.16× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 5.22× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $263.2M | $263.7K |
| 自由现金流经营现金流 - 资本支出 | — | $263.1K |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 资本支出强度资本支出/营收 | 0.0% | 0.0% |
| 现金转化率经营现金流/净利润 | 32.99× | — |
| 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RYANTIRX
| Q4 25 | $263.2M | — | ||
| Q3 25 | $169.7M | — | ||
| Q2 25 | $353.6M | $263.7K | ||
| Q1 25 | $-142.8M | — | ||
| Q4 24 | $259.6M | — | ||
| Q3 24 | $100.9M | — | ||
| Q2 24 | $270.8M | $-646.8K | ||
| Q1 24 | $-116.5M | — |
自由现金流RYANTIRX
| Q4 25 | — | — | ||
| Q3 25 | $167.3M | — | ||
| Q2 25 | — | $263.1K | ||
| Q1 25 | $-143.5M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率RYANTIRX
| Q4 25 | — | — | ||
| Q3 25 | 22.6% | — | ||
| Q2 25 | — | 13.1% | ||
| Q1 25 | -21.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度RYANTIRX
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 0.0% | 0.0% | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.0% | — | ||
| Q1 24 | 0.0% | — |
现金转化率RYANTIRX
| Q4 25 | 32.99× | — | ||
| Q3 25 | 5.46× | — | ||
| Q2 25 | 6.80× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 18.88× | — | ||
| Q3 24 | 5.74× | — | ||
| Q2 24 | 5.79× | -1.54× | ||
| Q1 24 | -7.05× | — |
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
RYAN
| Wholesale Brokerage | $385.7M | 52% |
| Underwriting Management | $268.3M | 36% |
| Binding Authorities | $84.0M | 11% |
TIRX
暂无分部数据
