雷迪安集团 RDN
$35.97 −$1.30 (-3.49%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $35.97 0.00%
开盘$36.71
昨收$37.27
当日区间$35.46 – $36.96
成交量889.3K
市值$4.76B
市盈率（TTM）9.3
股息率2.84%
基本面
最新报告季度：Q2, ended Jun 2026
营收$574.96M+92.6% YoY
净利润$115.91M-18.3% YoY
摊薄每股收益$0.85-16.7% YoY
自由现金流$342.71M+148.0% YoY
经营现金流$342.94M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率32.6%
净资产收益率11.5%
资产收益率5.3%
负债/资产比率54.9%
总负债$1.27B
自由现金流/营收84.5%
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $574.96M | $466.34M | $1.20B | $300.51M | $303.19M |
| 营业总收入 | $574.96M | $466.34M | $1.20B | $279.16M | $310.74M |
| 已赚保费合计 | $503.71M | $402.53M | $941.87M | $237.19M | $237.10M |
| -净承保保费 | $614.74M | $381.75M | $932.01M | $227.34M | $237.10M |
| -未到期保费净准备增减 | -$111.02M | $20.78M | $9.86M | – | – |
| 手续费收入及其他收入 | $2.34M | $2.99M | $6.48M | -$19.56M | $8.96M |
| -其他收入/费用 | $2.34M | $2.99M | $6.48M | $1.80M | $1.40M |
| 净投资收益 | $77.62M | $66.22M | $248.13M | $61.60M | $62.79M |
| 投资已实现损益净额 | -$6.06M | -$5.41M | $615,000.00 | -$71,000.00 | $1.89M |
| 汇兑损益净额 | -$2.65M | – | – | – | – |
| 总费用 | $424.24M | $292.67M | $405.86M | $78.12M | $112.05M |
| 理赔费用 | $194.95M | $107.93M | $66.77M | $21.59M | $17.89M |
| 保单获取费用 | $90.50M | $62.07M | $25.04M | $4.28M | $7.17M |
| 折旧与摊销 | $5.90M | $3.91M | – | – | – |
| -摊销 | $5.90M | $3.91M | – | – | – |
| 非经营性利息净收入（支出） | -$22.31M | -$20.59M | -$67.78M | -$16.68M | -$17.18M |
| -非经营性利息支出 | $18.78M | $20.59M | $67.78M | $16.68M | $17.18M |
| -其他财务成本合计 | $3.53M | – | – | – | – |
| 其他营业费用 | $110.59M | $98.17M | $245.76M | – | – |
| 税前利润 | $150.72M | $173.66M | $791.23M | $201.04M | $198.69M |
| 税费 | $32.49M | $44.20M | $173.05M | $42.24M | $45.89M |
| 净利润 | $115.91M | $124.09M | $582.64M | $154.84M | $141.44M |
| 持续经营利润 | $118.23M | $129.47M | $618.18M | $158.80M | $152.80M |
| 终止经营净利润 | -$2.31M | -$5.37M | -$35.54M | -$3.96M | -$11.36M |
| 归属母公司净利润 | $115.91M | $124.09M | $582.64M | $154.84M | $141.44M |
| 归属普通股股东净利润 | $115.91M | $124.09M | $582.64M | $154.84M | $141.44M |
| 基本每股收益 | $0.85 | $0.90 | $4.18 | $1.13 | $1.04 |
| 摊薄每股收益 | $0.85 | $0.89 | $4.14 | $1.11 | $1.03 |
| 每股股息 | $0.26 | $0.26 | $1.02 | $0.26 | $0.26 |
| 特殊收益（费用） | – | – | -$513,000.00 | -$513,000.00 | $0.00 |
| -减：其他特殊支出 | – | – | $513,000.00 | – | – |
| -手续费及佣金 | – | – | – | – | $7.56M |
| 销售及管理费用 | – | – | – | – | $69.81M |
| -管理费用 | – | – | – | – | $69.81M |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $10.66B | $10.65B | $8.12B | $8.12B | $8.20B |
| 现金及现金等价物 | $119.05M | $55.45M | $24.83M | $24.83M | $15.26M |
| 受限现金及现金等价物 | $36.00M | $32.53M | $10,000.00 | $10,000.00 | $11,000.00 |
| 投资合计 | $7.02B | $7.06B | $6.07B | $6.07B | $5.87B |
| -短期投资 | $6.77B | $6.83B | $5.81B | $5.81B | $5.57B |
| -交易性资产 | $44.95M | $46.29M | $65.66M | $65.66M | $74.60M |
| -股权投资 | $32.41M | $24.95M | $36.63M | $36.63M | $75.54M |
| -约定卖出证券 | $105.36M | $98.61M | $141.88M | $141.88M | $134.39M |
| -其他投资资产 | $59.40M | $62.14M | $10.12M | $10.12M | $8.83M |
| 应收款 | $1.19B | $1.05B | $169.00M | $169.00M | $173.60M |
| -应收账款 | $1.19B | $1.02B | $169.00M | $169.00M | $173.60M |
| 应计投资收益 | $56.26M | $51.50M | $40.29M | $40.29M | $43.03M |
| 商誉及其他无形资产 | $414.84M | $420.74M | – | – | – |
| -商誉 | $5.28M | $5.28M | – | – | – |
| -其他无形资产 | $409.56M | $415.46M | – | – | – |
| 预付资产 | $1.31B | $1.25B | $1.11B | $1.11B | $1.07B |
| 递延保单获取成本 | $180.88M | $188.67M | $19.02M | $19.02M | $16.71M |
| 证券借贷担保品 | $74.84M | $77.17M | $62.21M | $62.21M | $118.65M |
| 终止经营资产 | $64.50M | $280.06M | $474.27M | $474.27M | $722.51M |
| 其他资产 | $194.31M | $153.28M | $138.96M | $138.96M | $158.56M |
| 负债合计 | $5.85B | $5.84B | $3.34B | $3.34B | $3.55B |
| 保单持有人负债 | $2.93B | $2.68B | $559.29M | $559.29M | $553.82M |
| 存款合计 | $129.13M | $126.11M | $123.87M | $123.87M | $131.38M |
| 短期债务及融资租赁负债 | $610.11M | $192.22M | – | – | $47.24M |
| -一年内到期债务 | $610.11M | $192.22M | – | – | $47.24M |
| 应付款 | $323.20M | $355.38M | $34.77M | $34.77M | $26.18M |
| -应付账款 | $242.96M | $192.53M | – | – | – |
| -应付税款合计 | $80.23M | $162.84M | $34.77M | $34.77M | $26.18M |
| 长期债务及融资租赁负债 | $654.90M | $1.11B | $1.13B | $1.13B | $1.11B |
| -长期债务 | $621.90M | $1.08B | $1.11B | $1.11B | $1.08B |
| -长期融资租赁负债 | $33.00M | $33.44M | $22.12M | $22.12M | $26.17M |
| 未回购预售证券 | $79.78M | $77.17M | $62.21M | $62.21M | $118.65M |
| 员工福利 | $55.10M | $33.58M | $48.26M | $48.26M | $36.48M |
| 一年以上递延负债 | $962.16M | $978.54M | $942.19M | $942.19M | $910.26M |
| 其他负债 | $105.72M | $291.54M | $439.06M | $439.06M | $621.77M |
| 股东权益合计 | $4.81B | $4.81B | $4.78B | $4.78B | $4.65B |
| 股东权益 | $4.81B | $4.81B | $4.78B | $4.78B | $4.65B |
| 股本 | $156,000.00 | $156,000.00 | $157,000.00 | $157,000.00 | $157,000.00 |
| -普通股 | $156,000.00 | $156,000.00 | $157,000.00 | $157,000.00 | $157,000.00 |
| 资本公积 | $783.23M | $842.24M | $861.21M | $861.21M | $855.32M |
| 留存收益 | $5.30B | $5.22B | $5.13B | $5.13B | $5.01B |
| 减：库存股 | $1.01B | $991.43M | $989.75M | $989.75M | $989.35M |
| 不影响留存收益的损益 | -$265.42M | -$262.11M | -$222.16M | -$222.16M | -$226.42M |
| -应收税款 | – | $30.68M | – | – | – |
| 固定资产净值 | – | $23.63M | $17.17M | $17.17M | $18.66M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $342.94M | $285.02M | $119.86M | $406.99M | $358.40M |
| 持续经营经营活动现金流净额 | $148.60M | $145.79M | $1.44B | $893.76M | $221.26M |
| 终止经营经营活动现金流 | $194.33M | $139.23M | -$600.13M | $233.22M | $137.14M |
| 投资活动现金流净额 | $49.98M | -$180.63M | $127.29M | -$77.32M | -$26.71M |
| 持续经营投资活动现金流净额 | $44.61M | -$209.85M | -$95.04M | -$93.25M | -$108.97M |
| 固定资产购置及出售净额 | -$225,000.00 | -$749,000.00 | -$4.21M | -$870,000.00 | -$1.05M |
| 业务购买及出售净额 | $0.00 | -$1.57B | – | – | – |
| 投资购置及出售净额 | $42.50M | $1.36B | -$82.05M | -$83.71M | -$108.14M |
| 其他投资变动净额 | $2.33M | -$135,000.00 | -$8.78M | -$8.67M | $213,000.00 |
| 筹资活动现金流 | -$332.62M | -$55.41M | -$243.10M | -$300.20M | -$337.84M |
| 持续经营筹资活动现金流净额 | -$148.77M | $84.96M | -$648.65M | -$114.08M | -$118.89M |
| 存款增减 | -$15.90M | $14.95M | -$63.51M | -$56.44M | -$25.10M |
| Net Issuance Payments of Debt | -$18.84M | $158.90M | -$4.66M | -$19.19M | -$59.07M |
| 普通股发行净额 | -$80.12M | -$49.86M | -$430.87M | $16,000.00 | $248,000.00 |
| 已付现金股利 | -$37.32M | -$35.31M | -$145.62M | -$34.87M | -$34.83M |
| 其他筹资费用净额 | $3.41M | -$3.72M | -$4.01M | -$3.60M | -$141,000.00 |
| 终止经营筹资活动现金流 | -$183.86M | -$140.37M | $405.56M | -$186.12M | -$218.96M |
| 期末现金余额 | $156.60M | $95.34M | $45.52M | $45.52M | $16.05M |
| 现金净变动 | $60.29M | $48.98M | $4.05M | $29.48M | -$6.15M |
| 期初现金余额 | $95.34M | $45.52M | $41.47M | $16.05M | $22.20M |
| 汇率变动影响 | $966,000.00 | $841,000.00 | – | – | – |
| 自由现金流 | $342.71M | $284.27M | $115.66M | $406.12M | $357.35M |
| 持续经营净利润 | – | – | $618.18M | $158.80M | – |
| 持续经营损益 | – | – | $24,000.00 | $1.16M | – |
| 递延税款 | – | – | $138.62M | $11.76M | – |
| 其他非现金项目 | – | – | $513,000.00 | – | – |
| 营运资金变动 | – | – | -$83.78M | -$1.21M | – |
| -应收款变动 | – | – | -$13.45M | $4.60M | – |
| -预付资产变动 | – | – | -$135.25M | -$43.70M | – |
| -赔款及理赔费用准备变动 | – | – | $45.52M | $12.30M | – |
| -递延获取成本变动 | – | – | -$1.27M | -$2.31M | – |
| -应计投资收益变动 | – | – | $4.02M | $2.75M | – |
| -已付及未付赔款再保险可收回额变动 | – | – | $1.88M | -$7.51M | – |
| -未到期保费变动 | – | – | -$29.00M | -$6.82M | – |
| -其他流动资产变动 | – | – | $35.51M | $19.31M | – |
| -其他流动负债变动 | – | – | $8.26M | $20.18M | – |
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