联合火险集团 UFCS
$47.73 +$0.38 (+0.80%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $47.73 0.00%
开盘$46.84
昨收$47.35
当日区间$46.48 – $48.43
成交量217.2K
市值$1.23B
市盈率（TTM）9.1
股息率1.59%
基本面
最新报告季度：Q2, ended Jun 2026
营收$383.72M+14.0% YoY
净利润$33.37M+45.4% YoY
摊薄每股收益$1.29+48.3% YoY
自由现金流$33.73M-34.7% YoY
经营现金流$34.25M
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9.6%
净资产收益率15.5%
资产收益率3.7%
负债/资产比率75.7%
总负债$146.35M
自由现金流/营收18.2%
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $383.73M | $369.44M | $1.39B | $365.81M | $354.02M |
| 营业总收入 | $383.72M | $369.44M | $1.39B | $366.19M | $354.02M |
| 已赚保费合计 | $354.13M | $342.98M | $1.29B | $341.05M | $328.43M |
| -净承保保费 | $406.36M | $376.93M | $1.29B | – | – |
| -未到期保费净准备增减 | -$52.23M | -$33.95M | – | – | – |
| 手续费收入及其他收入 | $1.10M | -$319,000.00 | – | – | – |
| -其他收入/费用 | $1.10M | -$319,000.00 | – | – | – |
| 净投资收益 | $2.60M | $2.10M | -$7.66M | -$14.48M | $4.12M |
| 投资已实现损益净额 | -$430,000.00 | -$254,000.00 | -$3.82M | -$2.76M | -$405,000.00 |
| 利息收入 | $26.33M | $24.94M | $106.68M | $42.38M | $21.87M |
| 总费用 | $341.78M | $331.43M | $1.24B | $317.98M | $305.34M |
| 理赔费用 | $212.27M | $208.13M | $764.40M | $192.79M | $188.18M |
| 保单获取费用 | $84.04M | $82.04M | $315.32M | $82.04M | $81.51M |
| 承保费用 | $41.16M | $37.57M | $146.61M | $39.59M | $32.12M |
| 非经营性利息净收入（支出） | -$3.19M | -$3.18M | -$11.27M | -$3.18M | -$3.12M |
| -非经营性利息支出 | $3.19M | $3.18M | $11.27M | $3.18M | $3.12M |
| 其他营业费用 | $1.12M | $514,000.00 | $875,000.00 | -$1.11M | $407,000.00 |
| 税前利润 | $41.94M | $38.01M | $147.94M | $48.20M | $48.68M |
| 税费 | $8.58M | $7.96M | $29.75M | $9.85M | $9.49M |
| 净利润 | $33.37M | $30.05M | $118.19M | $38.35M | $39.19M |
| 持续经营利润 | $33.37M | $30.05M | $118.19M | $38.35M | $39.19M |
| 归属母公司净利润 | $33.37M | $30.05M | $118.19M | $38.35M | $39.19M |
| 归属普通股股东净利润 | $33.37M | $30.05M | $118.19M | $38.35M | $39.19M |
| 基本每股收益 | $1.30 | $1.18 | $4.64 | $1.50 | $1.54 |
| 摊薄每股收益 | $1.29 | $1.15 | $4.48 | $1.45 | $1.49 |
| 每股股息 | $0.20 | $0.20 | $0.64 | $0.16 | $0.16 |
| 联营企业及其他参股权益收益 | – | – | -$1.48M | – | – |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $4.01B | $3.91B | $3.84B | $3.84B | $3.75B |
| 现金及现金等价物 | $139.45M | $162.03M | $156.33M | $156.33M | $233.74M |
| 投资合计 | $2.53B | $2.49B | $2.46B | $2.46B | $2.27B |
| -短期投资 | $1.23B | $1.18B | $1.12B | $1.12B | $1.01B |
| -贷款净额 | $30.52M | $30.68M | $30.83M | $30.83M | $39.33M |
| -股权投资 | $1.05B | $1.04B | $1.09B | $1.09B | $1.01B |
| -其他投资资产 | $220.93M | $239.02M | $228.51M | $228.51M | $215.36M |
| 应收款 | $835.89M | $776.39M | $736.96M | $736.96M | $756.66M |
| -应收账款 | $835.89M | $776.39M | $736.43M | $736.43M | $753.97M |
| -应收税款 | $0.00 | $0.00 | $532,000.00 | $532,000.00 | $2.69M |
| 应计投资收益 | $18.66M | $16.89M | $18.24M | $18.24M | $15.93M |
| 固定资产净值 | $128.06M | $130.16M | $132.63M | $132.63M | $134.70M |
| 商誉及其他无形资产 | $3.02M | $3.02M | $3.20M | $3.20M | $3.37M |
| 预付资产 | $34.38M | $30.30M | $32.36M | $32.36M | $32.33M |
| 递延保单获取成本 | $175.89M | $162.73M | $158.18M | $158.18M | $164.45M |
| 其他资产 | $124.36M | $125.30M | $122.75M | $122.75M | $125.07M |
| 负债合计 | $3.04B | $2.96B | $2.90B | $2.90B | $2.86B |
| 保单持有人负债 | $2.74B | $2.66B | $2.59B | $2.59B | $2.57B |
| 应付款 | $1.51M | – | – | – | – |
| -应付税款合计 | $1.51M | – | – | – | – |
| 长期债务及融资租赁负债 | $146.35M | $146.27M | $146.20M | $146.20M | $146.13M |
| -长期债务 | $146.35M | $146.27M | $146.20M | $146.20M | $146.13M |
| 其他负债 | $149.25M | $150.94M | $168.38M | $168.38M | $135.58M |
| 股东权益合计 | $977.34M | $950.61M | $941.17M | $941.17M | $898.71M |
| 股东权益 | $977.34M | $950.61M | $941.17M | $941.17M | $898.71M |
| 股本 | $26,000.00 | $25,000.00 | $25,000.00 | $25,000.00 | $25,000.00 |
| -普通股 | $26,000.00 | $25,000.00 | $25,000.00 | $25,000.00 | $25,000.00 |
| 资本公积 | $226.95M | $224.06M | $223.89M | $223.89M | $221.63M |
| 留存收益 | $775.38M | $747.26M | $722.32M | $722.32M | $688.05M |
| 不影响留存收益的损益 | -$25.02M | -$20.74M | -$5.06M | -$5.06M | -$11.00M |
| -其他无形资产 | – | – | $3.20M | $3.20M | – |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $34.25M | $56.63M | $269.74M | $119.83M | $60.85M |
| 持续经营经营活动现金流净额 | $34.25M | $56.63M | $269.74M | $119.83M | $60.85M |
| 持续经营净利润 | $33.37M | $30.05M | $118.19M | $38.35M | $39.19M |
| 持续经营损益 | $527,000.00 | $478,000.00 | $4.28M | $1.77M | $609,000.00 |
| 递延税款 | -$4.44M | $5.51M | -$5.65M | -$424,000.00 | $1.14M |
| 营运资金变动 | -$455,000.00 | $14.83M | $131.58M | $73.75M | $14.42M |
| -应收款变动 | -$58.00M | -$39.43M | -$41.15M | $19.70M | $9.26M |
| -预付资产变动 | -$4.09M | $2.06M | $12.54M | -$23,000.00 | $7.40M |
| -赔款及理赔费用准备变动 | $20.16M | $45.43M | $128.04M | $42.76M | $21.94M |
| -递延获取成本变动 | -$13.16M | -$4.54M | -$10.96M | $6.26M | -$2.47M |
| -应计投资收益变动 | -$1.76M | $1.35M | -$2.45M | -$2.32M | $392,000.00 |
| -应付账款及应计费用变动 | -$2.52M | -$18.17M | -$2.13M | $36.12M | -$3.09M |
| -未到期保费变动 | $58.05M | $31.25M | $38.76M | -$31.22M | -$8.25M |
| -其他流动资产变动 | $193,000.00 | -$2.29M | $5.10M | $2.49M | -$11.82M |
| -Change in Other Working Capital | $667,000.00 | -$828,000.00 | $3.82M | -$18,000.00 | $1.06M |
| 投资活动现金流净额 | -$51.89M | -$43.38M | -$325.96M | -$192.39M | -$55.06M |
| 持续经营投资活动现金流净额 | -$51.89M | -$43.38M | -$325.96M | -$192.39M | -$55.06M |
| 固定资产购置及出售净额 | -$516,000.00 | -$384,000.00 | -$6.45M | -$655,000.00 | -$1.56M |
| 投资购置及出售净额 | -$51.38M | -$43.00M | -$319.52M | -$191.74M | -$53.51M |
| 筹资活动现金流 | -$4.94M | -$7.55M | $11.60M | -$4.84M | $25.81M |
| 持续经营筹资活动现金流净额 | -$4.94M | -$7.55M | $11.60M | -$4.84M | $25.81M |
| 普通股发行净额 | $203,000.00 | -$2.44M | -$993,000.00 | -$760,000.00 | $985,000.00 |
| 已付现金股利 | -$5.14M | -$5.11M | -$16.31M | -$4.08M | -$4.08M |
| 期末现金余额 | $139.45M | $162.03M | $156.33M | $156.33M | $233.74M |
| 现金净变动 | -$22.58M | $5.70M | -$44.62M | -$77.41M | $31.59M |
| 期初现金余额 | $162.03M | $156.33M | $200.95M | $233.74M | $202.15M |
| 自由现金流 | $33.73M | $56.24M | $263.30M | $119.18M | $59.29M |
| 贷款发放/偿还净额 | – | – | $0.00 | – | – |
| Net Issuance Payments of Debt | – | – | $30.00M | $0.00 | – |
| 其他筹资费用净额 | – | – | -$1.10M | $0.00 | – |
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