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SELECTIVE INSURANCE GROUP INC（SIGI）与铁姆肯公司（TKR）财务数据对比。点击上方公司名可切换其他公司
SELECTIVE INSURANCE GROUP INC的季度营收约是铁姆肯公司的1.2倍（$1.4B vs $1.1B），SELECTIVE INSURANCE GROUP INC净利率更高（7.2% vs 5.6%，领先1.6%），SELECTIVE INSURANCE GROUP INC同比增速更快（5.7% vs 3.5%），过去两年SELECTIVE INSURANCE GROUP INC的营收复合增速更高（6.6% vs -3.4%）
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。
铁姆肯公司是全球领先的工程轴承与工业运动产品制造商，总部位于美国俄亥俄州北坎顿市，业务覆盖全球45个国家，可为多个工业领域客户提供高品质的相关产品及适配解决方案。
SIGI vs TKR — 直观对比
营收规模更大
SIGI
是对方的1.2倍
$1.1B
营收增速更快
SIGI
高出2.3%
3.5%
净利率更高
SIGI
高出1.6%
5.6%
两年增速更快
SIGI
近两年复合增速
-3.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.4B | $1.1B |
| 净利润 | $97.7M | $62.3M |
| 毛利率 | — | 29.3% |
| 营业利润率 | — | 9.8% |
| 净利率 | 7.2% | 5.6% |
| 营收同比 | 5.7% | 3.5% |
| 净利润同比 | -37.0% | -12.5% |
| 每股收益（稀释后） | $1.58 | $0.89 |
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SIGITKR
| Q1 26 | $1.4B | — | ||
| Q4 25 | $1.4B | $1.1B | ||
| Q3 25 | $1.4B | $1.2B | ||
| Q2 25 | $1.3B | $1.2B | ||
| Q1 25 | $1.3B | $1.1B | ||
| Q4 24 | $1.3B | $1.1B | ||
| Q3 24 | $1.2B | $1.1B | ||
| Q2 24 | $1.2B | $1.2B |
净利润SIGITKR
| Q1 26 | $97.7M | — | ||
| Q4 25 | $155.2M | $62.3M | ||
| Q3 25 | $115.3M | $69.3M | ||
| Q2 25 | $85.9M | $78.5M | ||
| Q1 25 | $109.9M | $78.3M | ||
| Q4 24 | $95.5M | $71.2M | ||
| Q3 24 | $92.3M | $81.8M | ||
| Q2 24 | $-63.3M | $96.2M |
毛利率SIGITKR
| Q1 26 | — | — | ||
| Q4 25 | — | 29.3% | ||
| Q3 25 | — | 30.2% | ||
| Q2 25 | — | 30.7% | ||
| Q1 25 | — | 31.5% | ||
| Q4 24 | — | 30.3% | ||
| Q3 24 | — | 30.6% | ||
| Q2 24 | — | 31.6% |
营业利润率SIGITKR
| Q1 26 | — | — | ||
| Q4 25 | 14.4% | 9.8% | ||
| Q3 25 | 10.7% | 12.0% | ||
| Q2 25 | 8.2% | 12.6% | ||
| Q1 25 | 10.8% | 12.6% | ||
| Q4 24 | 9.5% | 10.5% | ||
| Q3 24 | 9.4% | 13.0% | ||
| Q2 24 | -6.7% | 14.1% |
净利率SIGITKR
| Q1 26 | 7.2% | — | ||
| Q4 25 | 11.4% | 5.6% | ||
| Q3 25 | 8.5% | 6.0% | ||
| Q2 25 | 6.5% | 6.7% | ||
| Q1 25 | 8.6% | 6.9% | ||
| Q4 24 | 7.6% | 6.6% | ||
| Q3 24 | 7.4% | 7.3% | ||
| Q2 24 | -5.3% | 8.1% |
每股收益（稀释后）SIGITKR
| Q1 26 | $1.58 | — | ||
| Q4 25 | $2.52 | $0.89 | ||
| Q3 25 | $1.85 | $0.99 | ||
| Q2 25 | $1.36 | $1.12 | ||
| Q1 25 | $1.76 | $1.11 | ||
| Q4 24 | $1.53 | $1.01 | ||
| Q3 24 | $1.47 | $1.16 | ||
| Q2 24 | $-1.08 | $1.36 |
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 | $364.4M |
| 总债务越低越好 | $901.4M | $1.9B |
| 股东权益账面价值 | $3.6B | $3.2B |
| 总资产 | $15.3B | $6.7B |
| 负债/权益比越低杠杆越低 | 0.25× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资SIGITKR
| Q1 26 | $451.8M | — | ||
| Q4 25 | — | $364.4M | ||
| Q3 25 | — | $449.1M | ||
| Q2 25 | — | $419.3M | ||
| Q1 25 | — | $376.1M | ||
| Q4 24 | — | $373.2M | ||
| Q3 24 | — | $412.7M | ||
| Q2 24 | — | $469.9M |
总债务SIGITKR
| Q1 26 | $901.4M | — | ||
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | — | $2.2B | ||
| Q1 25 | — | $2.1B | ||
| Q4 24 | $507.9M | $2.1B | ||
| Q3 24 | $508.2M | $2.2B | ||
| Q2 24 | $508.8M | $2.1B |
股东权益SIGITKR
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.6B | $3.2B | ||
| Q3 25 | $3.5B | $3.1B | ||
| Q2 25 | $3.4B | $3.1B | ||
| Q1 25 | $3.3B | $2.9B | ||
| Q4 24 | $3.1B | $2.8B | ||
| Q3 24 | $3.2B | $2.9B | ||
| Q2 24 | $2.9B | $2.8B |
总资产SIGITKR
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.2B | $6.7B | ||
| Q3 25 | $15.0B | $6.8B | ||
| Q2 25 | $14.5B | $6.8B | ||
| Q1 25 | $14.2B | $6.6B | ||
| Q4 24 | $13.5B | $6.4B | ||
| Q3 24 | $13.5B | $6.8B | ||
| Q2 24 | $12.6B | $6.6B |
负债/权益比SIGITKR
| Q1 26 | 0.25× | — | ||
| Q4 25 | — | 0.60× | ||
| Q3 25 | — | 0.67× | ||
| Q2 25 | — | 0.70× | ||
| Q1 25 | — | 0.73× | ||
| Q4 24 | 0.16× | 0.73× | ||
| Q3 24 | 0.16× | 0.75× | ||
| Q2 24 | 0.17× | 0.77× |
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 | — | $183.3M |
| 自由现金流经营现金流 - 资本支出 | — | $140.7M |
| 自由现金流率自由现金流/营收 | — | 12.7% |
| 资本支出强度资本支出/营收 | — | 3.8% |
| 现金转化率经营现金流/净利润 | — | 2.94× |
| 过去12个月自由现金流最近4个季度 | — | $406.1M |
8季度趋势，按日历期对齐
经营现金流SIGITKR
| Q1 26 | — | — | ||
| Q4 25 | $376.3M | $183.3M | ||
| Q3 25 | $405.8M | $201.1M | ||
| Q2 25 | $166.9M | $111.3M | ||
| Q1 25 | $284.0M | $58.6M | ||
| Q4 24 | $332.2M | $178.6M | ||
| Q3 24 | $387.4M | $123.2M | ||
| Q2 24 | $266.1M | $124.6M |
自由现金流SIGITKR
| Q1 26 | — | — | ||
| Q4 25 | $366.3M | $140.7M | ||
| Q3 25 | $397.3M | $163.8M | ||
| Q2 25 | $159.7M | $78.2M | ||
| Q1 25 | $271.0M | $23.4M | ||
| Q4 24 | $324.7M | $125.0M | ||
| Q3 24 | $378.0M | $88.2M | ||
| Q2 24 | $258.4M | $87.3M |
自由现金流率SIGITKR
| Q1 26 | — | — | ||
| Q4 25 | 26.8% | 12.7% | ||
| Q3 25 | 29.2% | 14.2% | ||
| Q2 25 | 12.0% | 6.7% | ||
| Q1 25 | 21.1% | 2.1% | ||
| Q4 24 | 25.8% | 11.6% | ||
| Q3 24 | 30.4% | 7.8% | ||
| Q2 24 | 21.6% | 7.4% |
资本支出强度SIGITKR
| Q1 26 | — | — | ||
| Q4 25 | 0.7% | 3.8% | ||
| Q3 25 | 0.6% | 3.2% | ||
| Q2 25 | 0.5% | 2.8% | ||
| Q1 25 | 1.0% | 3.1% | ||
| Q4 24 | 0.6% | 5.0% | ||
| Q3 24 | 0.8% | 3.1% | ||
| Q2 24 | 0.6% | 3.2% |
现金转化率SIGITKR
| Q1 26 | — | — | ||
| Q4 25 | 2.42× | 2.94× | ||
| Q3 25 | 3.52× | 2.90× | ||
| Q2 25 | 1.94× | 1.42× | ||
| Q1 25 | 2.58× | 0.75× | ||
| Q4 24 | 3.48× | 2.51× | ||
| Q3 24 | 4.20× | 1.51× | ||
| Q2 24 | — | 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
SIGI
暂无分部数据
TKR
| Industrial Motion | $574.1M | 52% |
| Other | $536.9M | 48% |
