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SELECTIVE INSURANCE GROUP INC（SIGI）与SiriusPoint Ltd（SPNT）财务数据对比。点击上方公司名可切换其他公司
SELECTIVE INSURANCE GROUP INC的季度营收约是SiriusPoint Ltd的1.4倍（$1.4B vs $973.7M），SiriusPoint Ltd净利率更高（25.1% vs 7.2%，领先17.9%），SiriusPoint Ltd同比增速更快（58.9% vs 5.7%），过去两年SiriusPoint Ltd的营收复合增速更高（19.2% vs 6.6%）
Selective保险集团是总部位于美国的保险控股企业，提供财产险、意外伤害险等多元保险产品，涵盖个人车险、住宅险、商业财产险、责任险、工伤补偿险等品类，主要服务美国境内的中小型企业、个人消费者及非营利组织，通过独立保险代理网络分销。
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。
SIGI vs SPNT — 直观对比
营收规模更大
SIGI
是对方的1.4倍
$973.7M
营收增速更快
SPNT
高出53.2%
5.7%
净利率更高
SPNT
高出17.9%
7.2%
两年增速更快
SPNT
近两年复合增速
6.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.4B | $973.7M |
| 净利润 | $97.7M | $244.1M |
| 毛利率 | — | — |
| 营业利润率 | — | 28.8% |
| 净利率 | 7.2% | 25.1% |
| 营收同比 | 5.7% | 58.9% |
| 净利润同比 | -37.0% | 1535.9% |
| 每股收益（稀释后） | $1.58 | $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SIGISPNT
| Q1 26 | $1.4B | — | ||
| Q4 25 | $1.4B | $973.7M | ||
| Q3 25 | $1.4B | $755.9M | ||
| Q2 25 | $1.3B | $748.2M | ||
| Q1 25 | $1.3B | $727.3M | ||
| Q4 24 | $1.3B | $612.8M | ||
| Q3 24 | $1.2B | $562.2M | ||
| Q2 24 | $1.2B | $743.3M |
净利润SIGISPNT
| Q1 26 | $97.7M | — | ||
| Q4 25 | $155.2M | $244.1M | ||
| Q3 25 | $115.3M | $90.8M | ||
| Q2 25 | $85.9M | $63.2M | ||
| Q1 25 | $109.9M | $61.6M | ||
| Q4 24 | $95.5M | $-17.0M | ||
| Q3 24 | $92.3M | $8.5M | ||
| Q2 24 | $-63.3M | $113.9M |
营业利润率SIGISPNT
| Q1 26 | — | — | ||
| Q4 25 | 14.4% | 28.8% | ||
| Q3 25 | 10.7% | 14.7% | ||
| Q2 25 | 8.2% | 10.0% | ||
| Q1 25 | 10.8% | 10.4% | ||
| Q4 24 | 9.5% | -2.1% | ||
| Q3 24 | 9.4% | 2.0% | ||
| Q2 24 | -6.7% | 17.4% |
净利率SIGISPNT
| Q1 26 | 7.2% | — | ||
| Q4 25 | 11.4% | 25.1% | ||
| Q3 25 | 8.5% | 12.0% | ||
| Q2 25 | 6.5% | 8.4% | ||
| Q1 25 | 8.6% | 8.5% | ||
| Q4 24 | 7.6% | -2.8% | ||
| Q3 24 | 7.4% | 1.5% | ||
| Q2 24 | -5.3% | 15.3% |
每股收益（稀释后）SIGISPNT
| Q1 26 | $1.58 | — | ||
| Q4 25 | $2.52 | $1.92 | ||
| Q3 25 | $1.85 | $0.73 | ||
| Q2 25 | $1.36 | $0.50 | ||
| Q1 25 | $1.76 | $0.49 | ||
| Q4 24 | $1.53 | $-0.05 | ||
| Q3 24 | $1.47 | $0.03 | ||
| Q2 24 | $-1.08 | $0.57 |
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 | $451.8M | $731.2M |
| 总债务越低越好 | $901.4M | $688.6M |
| 股东权益账面价值 | $3.6B | $2.5B |
| 总资产 | $15.3B | $12.6B |
| 负债/权益比越低杠杆越低 | 0.25× | 0.28× |
8季度趋势，按日历期对齐
现金及短期投资SIGISPNT
| Q1 26 | $451.8M | — | ||
| 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 |
总债务SIGISPNT
| Q1 26 | $901.4M | — | ||
| Q4 25 | — | $688.6M | ||
| Q3 25 | — | $682.5M | ||
| Q2 25 | — | $678.4M | ||
| Q1 25 | — | $663.5M | ||
| Q4 24 | $507.9M | $639.1M | ||
| Q3 24 | $508.2M | $660.5M | ||
| Q2 24 | $508.8M | $648.6M |
股东权益SIGISPNT
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.6B | $2.5B | ||
| Q3 25 | $3.5B | $2.2B | ||
| Q2 25 | $3.4B | $2.1B | ||
| Q1 25 | $3.3B | $2.0B | ||
| Q4 24 | $3.1B | $1.9B | ||
| Q3 24 | $3.2B | $2.7B | ||
| Q2 24 | $2.9B | $2.7B |
总资产SIGISPNT
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.2B | $12.6B | ||
| Q3 25 | $15.0B | $12.5B | ||
| Q2 25 | $14.5B | $12.4B | ||
| Q1 25 | $14.2B | $12.3B | ||
| Q4 24 | $13.5B | $12.5B | ||
| Q3 24 | $13.5B | $12.7B | ||
| Q2 24 | $12.6B | $12.8B |
负债/权益比SIGISPNT
| Q1 26 | 0.25× | — | ||
| Q4 25 | — | 0.28× | ||
| Q3 25 | — | 0.31× | ||
| Q2 25 | — | 0.32× | ||
| Q1 25 | — | 0.33× | ||
| Q4 24 | 0.16× | 0.33× | ||
| Q3 24 | 0.16× | 0.25× | ||
| Q2 24 | 0.17× | 0.24× |
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 | — | $-26.4M |
| 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 | — | -0.11× |
| 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SIGISPNT
| Q1 26 | — | — | ||
| Q4 25 | $376.3M | $-26.4M | ||
| Q3 25 | $405.8M | $155.6M | ||
| Q2 25 | $166.9M | $62.1M | ||
| Q1 25 | $284.0M | $-88.9M | ||
| Q4 24 | $332.2M | $107.7M | ||
| Q3 24 | $387.4M | $58.1M | ||
| Q2 24 | $266.1M | $-149.9M |
自由现金流SIGISPNT
| Q1 26 | — | — | ||
| Q4 25 | $366.3M | — | ||
| Q3 25 | $397.3M | — | ||
| Q2 25 | $159.7M | — | ||
| Q1 25 | $271.0M | — | ||
| Q4 24 | $324.7M | — | ||
| Q3 24 | $378.0M | — | ||
| Q2 24 | $258.4M | — |
自由现金流率SIGISPNT
| Q1 26 | — | — | ||
| Q4 25 | 26.8% | — | ||
| Q3 25 | 29.2% | — | ||
| Q2 25 | 12.0% | — | ||
| Q1 25 | 21.1% | — | ||
| Q4 24 | 25.8% | — | ||
| Q3 24 | 30.4% | — | ||
| Q2 24 | 21.6% | — |
资本支出强度SIGISPNT
| Q1 26 | — | — | ||
| Q4 25 | 0.7% | — | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | 0.6% | — | ||
| Q3 24 | 0.8% | — | ||
| Q2 24 | 0.6% | — |
现金转化率SIGISPNT
| Q1 26 | — | — | ||
| Q4 25 | 2.42× | -0.11× | ||
| Q3 25 | 3.52× | 1.71× | ||
| Q2 25 | 1.94× | 0.98× | ||
| Q1 25 | 2.58× | -1.44× | ||
| Q4 24 | 3.48× | — | ||
| Q3 24 | 4.20× | 6.84× | ||
| Q2 24 | — | -1.32× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
