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⚙️ 營運比率

衡量保險公司整體效率的指標，包括投資收益。

營運比率

單憑承保業績並不能全面反映獲利能力。營業比率結合了綜合比率和投資收益的影響，通常是從綜合比率中減去投資收益比率得出。低於100%的營業比率表示整體營業盈利。

此指標反映了保險公司從浮存金中獲得的豐厚回報。即使綜合比率略高於100%，如果投資收益充足，公司仍然可以獲利。分析師使用營業比率來評估保險業務的整體經濟效益。

不同公司和評級機構對營運比率的定義可能略有不同。長期保持一致性和清晰揭露構成要素比精確的計算公式更為重要。營運比率仍然是純粹的核保指標與最終獲利能力之間有效的橋樑。

Comments (3)

  1. Joan P.
    Insurance operating ratios are different from most industries because investment income plays such a big role. Interesting nuance.
  2. Mark T.
    An operating ratio under 100 means the company is making an underwriting profit. Over 100 means it's relying on investments to stay profitable.
  3. Elena V.
    This is pretty niche. Most people outside insurance have never heard of this metric.

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