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SELECTIVE INSURANCE GROUP INC（SIGI）与Williams-Sonoma, Inc.（WSM）财务数据对比。点击上方公司名可切换其他公司
Williams-Sonoma, Inc.的季度营收约是SELECTIVE INSURANCE GROUP INC的1.4倍（$1.9B vs $1.4B），Williams-Sonoma, Inc.净利率更高（12.8% vs 7.2%，领先5.6%），SELECTIVE INSURANCE GROUP INC同比增速更快（5.7% vs 4.6%），过去两年SELECTIVE INSURANCE GROUP INC的营收复合增速更高（6.6% vs -9.1%）
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。
Williams-Sonoma, Inc.是美国知名家居零售企业，1956年由查尔斯·E·威廉姆斯创立，主营高品质炊具、家居家电、家居软装等多元品类产品，在家居消费领域拥有广泛的用户基础与较高的市场认可度。
SIGI vs WSM — 直观对比
营收规模更大
WSM
是对方的1.4倍
$1.4B
营收增速更快
SIGI
高出1.2%
4.6%
净利率更高
WSM
高出5.6%
7.2%
两年增速更快
SIGI
近两年复合增速
-9.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.4B | $1.9B |
| 净利润 | $97.7M | $241.6M |
| 毛利率 | — | 46.1% |
| 营业利润率 | — | 17.0% |
| 净利率 | 7.2% | 12.8% |
| 营收同比 | 5.7% | 4.6% |
| 净利润同比 | -37.0% | -3.0% |
| 每股收益（稀释后） | $1.58 | $1.96 |
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SIGIWSM
| Q1 26 | $1.4B | — | ||
| Q4 25 | $1.4B | $1.9B | ||
| Q3 25 | $1.4B | $1.8B | ||
| Q2 25 | $1.3B | $1.7B | ||
| Q1 25 | $1.3B | $2.5B | ||
| Q4 24 | $1.3B | $1.8B | ||
| Q3 24 | $1.2B | $1.8B | ||
| Q2 24 | $1.2B | $1.7B |
净利润SIGIWSM
| Q1 26 | $97.7M | — | ||
| Q4 25 | $155.2M | $241.6M | ||
| Q3 25 | $115.3M | $247.6M | ||
| Q2 25 | $85.9M | $231.3M | ||
| Q1 25 | $109.9M | $384.9M | ||
| Q4 24 | $95.5M | $249.0M | ||
| Q3 24 | $92.3M | $225.7M | ||
| Q2 24 | $-63.3M | $265.7M |
毛利率SIGIWSM
| Q1 26 | — | — | ||
| Q4 25 | — | 46.1% | ||
| Q3 25 | — | 47.1% | ||
| Q2 25 | — | 44.3% | ||
| Q1 25 | — | 45.2% | ||
| Q4 24 | — | 46.7% | ||
| Q3 24 | — | 46.2% | ||
| Q2 24 | — | 48.3% |
营业利润率SIGIWSM
| Q1 26 | — | — | ||
| Q4 25 | 14.4% | 17.0% | ||
| Q3 25 | 10.7% | 17.9% | ||
| Q2 25 | 8.2% | 16.8% | ||
| Q1 25 | 10.8% | 20.1% | ||
| Q4 24 | 9.5% | 17.8% | ||
| Q3 24 | 9.4% | 16.2% | ||
| Q2 24 | -6.7% | 19.5% |
净利率SIGIWSM
| Q1 26 | 7.2% | — | ||
| Q4 25 | 11.4% | 12.8% | ||
| Q3 25 | 8.5% | 13.5% | ||
| Q2 25 | 6.5% | 13.4% | ||
| Q1 25 | 8.6% | 15.6% | ||
| Q4 24 | 7.6% | 13.8% | ||
| Q3 24 | 7.4% | 12.6% | ||
| Q2 24 | -5.3% | 16.0% |
每股收益（稀释后）SIGIWSM
| Q1 26 | $1.58 | — | ||
| Q4 25 | $2.52 | $1.96 | ||
| Q3 25 | $1.85 | $2.00 | ||
| Q2 25 | $1.36 | $1.85 | ||
| Q1 25 | $1.76 | $1.02 | ||
| Q4 24 | $1.53 | $1.96 | ||
| Q3 24 | $1.47 | $1.74 | ||
| Q2 24 | $-1.08 | $4.07 |
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 | $884.7M |
| 总债务越低越好 | $901.4M | — |
| 股东权益账面价值 | $3.6B | $2.1B |
| 总资产 | $15.3B | $5.3B |
| 负债/权益比越低杠杆越低 | 0.25× | — |
8季度趋势，按日历期对齐
现金及短期投资SIGIWSM
| Q1 26 | $451.8M | — | ||
| Q4 25 | — | $884.7M | ||
| Q3 25 | — | $985.8M | ||
| Q2 25 | — | $1.0B | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $826.8M | ||
| Q3 24 | — | $1.3B | ||
| Q2 24 | — | $1.3B |
总债务SIGIWSM
| Q1 26 | $901.4M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $507.9M | — | ||
| Q3 24 | $508.2M | — | ||
| Q2 24 | $508.8M | — |
股东权益SIGIWSM
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.6B | $2.1B | ||
| Q3 25 | $3.5B | $2.1B | ||
| Q2 25 | $3.4B | $2.2B | ||
| Q1 25 | $3.3B | $2.1B | ||
| Q4 24 | $3.1B | $1.9B | ||
| Q3 24 | $3.2B | $2.3B | ||
| Q2 24 | $2.9B | $2.2B |
总资产SIGIWSM
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.2B | $5.3B | ||
| Q3 25 | $15.0B | $5.2B | ||
| Q2 25 | $14.5B | $5.2B | ||
| Q1 25 | $14.2B | $5.3B | ||
| Q4 24 | $13.5B | $5.0B | ||
| Q3 24 | $13.5B | $5.2B | ||
| Q2 24 | $12.6B | $5.2B |
负债/权益比SIGIWSM
| Q1 26 | 0.25× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.16× | — | ||
| Q3 24 | 0.16× | — | ||
| Q2 24 | 0.17× | — |
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 | — | $316.3M |
| 自由现金流经营现金流 - 资本支出 | — | $248.1M |
| 自由现金流率自由现金流/营收 | — | 13.2% |
| 资本支出强度资本支出/营收 | — | 3.6% |
| 现金转化率经营现金流/净利润 | — | 1.31× |
| 过去12个月自由现金流最近4个季度 | — | $1.1B |
8季度趋势，按日历期对齐
经营现金流SIGIWSM
| Q1 26 | — | — | ||
| Q4 25 | $376.3M | $316.3M | ||
| Q3 25 | $405.8M | $282.7M | ||
| Q2 25 | $166.9M | $118.9M | ||
| Q1 25 | $284.0M | $633.5M | ||
| Q4 24 | $332.2M | $253.5M | ||
| Q3 24 | $387.4M | $246.5M | ||
| Q2 24 | $266.1M | $226.8M |
自由现金流SIGIWSM
| Q1 26 | — | — | ||
| Q4 25 | $366.3M | $248.1M | ||
| Q3 25 | $397.3M | $230.7M | ||
| Q2 25 | $159.7M | $60.7M | ||
| Q1 25 | $271.0M | $566.3M | ||
| Q4 24 | $324.7M | $170.1M | ||
| Q3 24 | $378.0M | $215.1M | ||
| Q2 24 | $258.4M | $187.3M |
自由现金流率SIGIWSM
| Q1 26 | — | — | ||
| Q4 25 | 26.8% | 13.2% | ||
| Q3 25 | 29.2% | 12.6% | ||
| Q2 25 | 12.0% | 3.5% | ||
| Q1 25 | 21.1% | 23.0% | ||
| Q4 24 | 25.8% | 9.4% | ||
| Q3 24 | 30.4% | 12.0% | ||
| Q2 24 | 21.6% | 11.3% |
资本支出强度SIGIWSM
| Q1 26 | — | — | ||
| Q4 25 | 0.7% | 3.6% | ||
| Q3 25 | 0.6% | 2.8% | ||
| Q2 25 | 0.5% | 3.4% | ||
| Q1 25 | 1.0% | 2.7% | ||
| Q4 24 | 0.6% | 4.6% | ||
| Q3 24 | 0.8% | 1.8% | ||
| Q2 24 | 0.6% | 2.4% |
现金转化率SIGIWSM
| Q1 26 | — | — | ||
| Q4 25 | 2.42× | 1.31× | ||
| Q3 25 | 3.52× | 1.14× | ||
| Q2 25 | 1.94× | 0.51× | ||
| Q1 25 | 2.58× | 1.65× | ||
| Q4 24 | 3.48× | 1.02× | ||
| Q3 24 | 4.20× | 1.09× | ||
| Q2 24 | — | 0.85× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
