精选保险集团 SIGI
$99.44 −$2.33 (-2.29%)
休市 · Nov 7, 9:10 am ET · 最新盘后价 $99.44 0.00%
开盘$100.89
昨收$101.77
当日区间$98.38 – $101.44
成交量463.4K
市值$5.87B
市盈率（TTM）12.0
股息率1.73%
基本面
最新报告季度：Q3, ended Sep 2026
营收$1.33B-2.5% YoY
净利润$128.65M+11.5% YoY
摊薄每股收益$2.11+14.1% YoY
自由现金流$346.97M-12.7% YoY
经营现金流$367.24M
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9.2%
净资产收益率15.4%
资产收益率3.3%
负债/资产比率78.1%
总负债$901.52M
自由现金流/营收20.9%
营收构成
2026/Q3 季度
按业务线
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 报告营业总收入 | $1.33B | $1.39B | $1.36B | $5.34B | $1.36B |
| 营业总收入 | $1.33B | $1.39B | $1.36B | $5.34B | $1.37B |
| 已赚保费合计 | $1.18B | $1.22B | $1.22B | $4.77B | $1.22B |
| -净承保保费 | $1.12B | $1.22B | $1.23B | $4.87B | $1.13B |
| -未到期保费净准备增减 | $57.37M | -$5.19M | -$8.31M | -$98.30M | $87.20M |
| 手续费收入及其他收入 | $5.07M | $9.39M | $7.65M | $29.25M | $8.48M |
| -其他收入/费用 | $5.07M | $9.39M | $7.65M | $29.25M | $8.48M |
| 净投资收益 | $160.48M | $165.36M | $143.85M | $542.30M | $154.99M |
| 投资已实现损益净额 | -$19.45M | -$3.22M | -$9.77M | -$2.66M | -$15.12M |
| 总费用 | $1.16B | $1.22B | $1.23B | $4.75B | $1.17B |
| 理赔费用 | $906.52M | $952.46M | $950.19M | $3.66B | $894.75M |
| 保单获取费用 | $241.36M | $248.05M | $253.41M | $1.00B | $254.45M |
| 非经营性利息净收入（支出） | -$13.22M | -$13.22M | -$13.22M | -$49.32M | -$13.24M |
| -非经营性利息支出 | $13.22M | $13.22M | $13.22M | $49.32M | $13.24M |
| 其他营业费用 | $3.12M | $10.47M | $17.90M | $36.61M | $6.51M |
| 税前利润 | $162.09M | $162.85M | $124.20M | $589.60M | $196.10M |
| 税费 | $33.44M | $33.46M | $26.53M | $123.19M | $40.86M |
| 净利润 | $128.65M | $129.39M | $97.68M | $466.41M | $155.23M |
| 持续经营利润 | $128.65M | $129.39M | $97.68M | $466.41M | $155.23M |
| 归属母公司净利润 | $128.65M | $129.39M | $97.68M | $466.41M | $155.23M |
| 优先股股息 | $2.30M | $2.30M | $2.30M | $9.20M | $2.30M |
| 归属普通股股东净利润 | $126.35M | $127.09M | $95.38M | $457.21M | $152.93M |
| 基本每股收益 | $2.13 | $2.13 | $1.59 | $7.54 | $2.55 |
| 摊薄每股收益 | $2.11 | $2.11 | $1.58 | $7.49 | $2.52 |
| 每股股息 | $0.43 | $0.43 | $0.43 | $1.57 | $0.43 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $15.71B | $15.62B | $15.32B | $15.16B | $15.16B |
| 现金及现金等价物 | $928,000.00 | $557,000.00 | $176,000.00 | $346,000.00 | $346,000.00 |
| 受限现金及现金等价物 | $14.44M | $10.37M | $10.72M | $17.61M | $17.61M |
| 投资合计 | $11.49B | $11.58B | $11.39B | $11.30B | $11.30B |
| -短期投资 | $823.74M | $919.97M | $999.13M | $1.24B | $1.24B |
| -贷款净额 | $287.58M | $269.71M | $273.70M | $277.68M | $277.68M |
| -固定期限投资 | $21.91M | $20.11M | $21.31M | $23.94M | $23.94M |
| -股权投资 | $9.74B | $9.78B | $9.57B | $9.25B | $9.25B |
| -其他投资资产 | $616.31M | $585.30M | $528.34M | $510.68M | $510.68M |
| 应收款 | $2.68B | $2.59B | $2.49B | $2.45B | $2.45B |
| -应收账款 | $2.68B | $2.59B | $2.49B | $2.45B | $2.45B |
| 应计投资收益 | $104.28M | $101.57M | $93.74M | $92.00M | $92.00M |
| 固定资产净值 | $130.43M | $116.50M | $109.91M | $106.39M | $106.39M |
| 商誉及其他无形资产 | $7.85M | $7.85M | $7.85M | $7.85M | $7.85M |
| -商誉 | $7.85M | $7.85M | $7.85M | $7.85M | $7.85M |
| 预付资产 | $289.53M | $273.06M | $266.88M | $266.33M | $266.33M |
| 递延保单获取成本 | $470.66M | $484.59M | $491.21M | $492.27M | $492.27M |
| 其他资产 | $315.66M | $314.82M | $326.73M | $310.17M | $310.17M |
| 负债合计 | $12.27B | $11.95B | $11.73B | $11.55B | $11.55B |
| 保单持有人负债 | $2.72B | $2.77B | $2.75B | $2.75B | $2.75B |
| 应付款 | $4.21M | – | $44.80M | $16.94M | $16.94M |
| -应付税款合计 | $4.21M | $0.00 | $44.80M | $16.94M | $16.94M |
| 一年内应计费用 | $141.28M | $122.19M | $115.18M | $140.79M | $140.79M |
| 长期债务及融资租赁负债 | $901.52M | $900.96M | $901.42M | $901.87M | $901.87M |
| -长期债务 | $898.94M | $898.73M | $898.52M | $898.30M | $898.30M |
| -长期融资租赁负债 | $2.58M | $2.23M | $2.91M | $3.57M | $3.57M |
| 其他负债 | $8.49B | $8.16B | $7.92B | $7.74B | $7.74B |
| 股东权益合计 | $3.45B | $3.66B | $3.59B | $3.61B | $3.61B |
| 股东权益 | $3.45B | $3.66B | $3.59B | $3.61B | $3.61B |
| 股本 | $412.57M | $412.54M | $412.38M | $412.01M | $412.01M |
| -普通股 | $212.57M | $212.54M | $212.38M | $212.01M | $212.01M |
| -优先股 | $200.00M | $200.00M | $200.00M | $200.00M | $200.00M |
| 资本公积 | $619.12M | $614.72M | $605.60M | $591.27M | $591.27M |
| 留存收益 | $3.77B | $3.67B | $3.57B | $3.50B | $3.50B |
| 减：库存股 | $866.43M | $810.83M | $778.45M | $743.42M | $743.42M |
| 不影响留存收益的损益 | -$491.79M | -$225.08M | -$222.60M | -$151.66M | -$151.66M |
| -应收税款 | – | $1.94M | – | – | – |
现金流量表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 经营活动现金流 | $367.24M | $228.99M | $221.45M | $1.23B | $376.26M |
| 持续经营经营活动现金流净额 | $367.24M | $228.99M | $221.45M | $1.23B | $376.26M |
| 持续经营净利润 | $128.65M | $129.39M | $97.68M | $466.41M | $155.23M |
| 持续经营损益 | -$8.36M | $2.97M | $2.77M | -$9.37M | $2.37M |
| 营运资金变动 | $216.47M | $101.45M | $93.74M | $715.40M | $202.52M |
| -应收款变动 | $87.97M | -$55.51M | -$48.31M | -$66.10M | $82.59M |
| -赔款及理赔费用准备变动 | $150.96M | $218.46M | $200.83M | $781.25M | $180.92M |
| -递延获取成本变动 | $13.92M | $6.62M | $1.06M | -$12.97M | $17.99M |
| -应计投资收益变动 | -$2.70M | -$7.87M | -$1.70M | -$15.11M | -$5.19M |
| -应付账款及应计费用变动 | $19.10M | $7.01M | -$25.61M | $18.83M | $8.67M |
| -未到期保费变动 | -$57.37M | $5.19M | $8.31M | $98.30M | -$87.20M |
| -其他流动资产变动 | -$1.79M | $1.52M | -$12.72M | -$87.27M | -$72.22M |
| -其他流动负债变动 | $5.96M | -$23.66M | -$52.11M | $14.58M | $61.52M |
| -Change in Other Working Capital | $440,000.00 | -$50.31M | $23.97M | -$16.11M | $15.45M |
| 投资活动现金流净额 | -$279.95M | -$172.13M | -$166.10M | -$1.49B | -$327.50M |
| 持续经营投资活动现金流净额 | -$279.95M | -$172.13M | -$166.10M | -$1.49B | -$327.50M |
| 固定资产购置及出售净额 | -$20.27M | -$14.10M | -$10.94M | -$38.74M | -$9.98M |
| 投资购置及出售净额 | -$246.15M | -$166.90M | -$166.94M | -$1.44B | -$326.65M |
| 贷款发放/偿还净额 | -$17.30M | $726,000.00 | $3.99M | -$47.42M | -$2.21M |
| 筹资活动现金流 | -$82.84M | -$56.82M | -$62.41M | $207.48M | -$54.96M |
| 持续经营筹资活动现金流净额 | -$82.84M | -$56.82M | -$62.41M | $207.48M | -$54.96M |
| Net Issuance Payments of Debt | -$627,000.00 | -$672,000.00 | -$665,000.00 | $393.14M | -$661,000.00 |
| 普通股发行净额 | -$55.07M | -$28.84M | -$34.61M | -$83.58M | -$26.79M |
| 已付现金股利 | -$27.15M | -$27.32M | -$27.14M | -$102.08M | -$27.51M |
| 期末现金余额 | $15.37M | $10.93M | $10.89M | $17.96M | $17.96M |
| 现金净变动 | $4.44M | $34,000.00 | -$7.07M | -$45.07M | -$6.20M |
| 期初现金余额 | $10.93M | $10.89M | $17.96M | $63.02M | $24.16M |
| 自由现金流 | $346.97M | $214.88M | $210.51M | $1.19B | $366.28M |
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