vs
Aflac（AFL）与ASSURED GUARANTY LTD（AGO）财务数据对比。点击上方公司名可切换其他公司
过去两年Aflac的营收复合增速更高（-5.4% vs -100.0%）
Aflac是美国知名保险企业，也是美国最大的补充保险提供商，成立于1955年，总部位于佐治亚州哥伦布市。公司在美国推出多类保险产品，其中薪资抵扣型保险服务知名度较高，参保人遭遇保障范围内的意外或疾病时可获现金赔付，目前已为全球超5000万用户提供财务保障。
Assured Guaranty旗下的Assured Investment Management（AIM）是一家主打信贷策略的机构资产管理公司，2023年7月停止运营时管理资产规模约152亿美元，曾被二级投资者评为全球最知名的对冲基金之一。
AFL vs AGO — 直观对比
营收规模更大
AFL
是对方的Infinity倍
$0
两年增速更快
AFL
近两年复合增速
-100.0%
损益表 — Q4 2025 vs Q4 2024
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $0 |
| 净利润 | $1.4B | $18.0M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | — |
| 净利率 | 28.3% | — |
| 营收同比 | -10.0% | — |
| 净利润同比 | -27.5% | -95.2% |
| 每股收益（稀释后） | $2.58 | $0.40 |
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AFLAGO
| Q4 25 | $4.9B | — | ||
| Q3 25 | $4.7B | — | ||
| Q2 25 | $4.2B | — | ||
| Q1 25 | $3.4B | — | ||
| Q4 24 | $5.4B | $0 | ||
| Q3 24 | $2.9B | $0 | ||
| Q2 24 | $5.1B | $0 | ||
| Q1 24 | $5.4B | $0 |
净利润AFLAGO
| Q4 25 | $1.4B | — | ||
| Q3 25 | $1.6B | — | ||
| Q2 25 | $599.0M | — | ||
| Q1 25 | $29.0M | — | ||
| Q4 24 | $1.9B | $18.0M | ||
| Q3 24 | $-93.0M | $171.0M | ||
| Q2 24 | $1.8B | $78.0M | ||
| Q1 24 | $1.9B | $109.0M |
营业利润率AFLAGO
| Q4 25 | 32.3% | — | ||
| Q3 25 | 42.1% | — | ||
| Q2 25 | 19.8% | — | ||
| Q1 25 | 4.3% | — | ||
| Q4 24 | 39.5% | — | ||
| Q3 24 | 3.1% | — | ||
| Q2 24 | 39.3% | — | ||
| Q1 24 | 39.9% | — |
净利率AFLAGO
| Q4 25 | 28.3% | — | ||
| Q3 25 | 34.6% | — | ||
| Q2 25 | 14.4% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 35.2% | — | ||
| Q3 24 | -3.2% | — | ||
| Q2 24 | 34.2% | — | ||
| Q1 24 | 34.6% | — |
每股收益（稀释后）AFLAGO
| Q4 25 | $2.58 | — | ||
| Q3 25 | $3.08 | — | ||
| Q2 25 | $1.11 | — | ||
| Q1 25 | $0.05 | — | ||
| Q4 24 | $3.45 | $0.40 | ||
| Q3 24 | $-0.17 | $3.17 | ||
| Q2 24 | $3.10 | $1.41 | ||
| Q1 24 | $3.25 | $1.89 |
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 | $6.2B | $1.2B |
| 总债务越低越好 | — | $1.7B |
| 股东权益账面价值 | $29.5B | $5.5B |
| 总资产 | $116.5B | $11.9B |
| 负债/权益比越低杠杆越低 | — | 0.31× |
8季度趋势，按日历期对齐
现金及短期投资AFLAGO
| Q4 25 | $6.2B | — | ||
| Q3 25 | $6.8B | — | ||
| Q2 25 | $7.0B | — | ||
| Q1 25 | $5.2B | — | ||
| Q4 24 | $6.2B | $1.2B | ||
| Q3 24 | $5.6B | $1.5B | ||
| Q2 24 | $6.1B | $1.7B | ||
| Q1 24 | $5.1B | $1.6B |
总债务AFLAGO
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.7B |
股东权益AFLAGO
| Q4 25 | $29.5B | — | ||
| Q3 25 | $28.7B | — | ||
| Q2 25 | $27.2B | — | ||
| Q1 25 | $26.3B | — | ||
| Q4 24 | $26.1B | $5.5B | ||
| Q3 24 | $24.8B | $5.7B | ||
| Q2 24 | $26.0B | $5.5B | ||
| Q1 24 | $23.5B | $5.6B |
总资产AFLAGO
| Q4 25 | $116.5B | — | ||
| Q3 25 | $122.3B | — | ||
| Q2 25 | $124.7B | — | ||
| Q1 25 | $120.3B | — | ||
| Q4 24 | $117.6B | $11.9B | ||
| Q3 24 | $128.4B | $12.3B | ||
| Q2 24 | $120.2B | $12.1B | ||
| Q1 24 | $124.7B | $12.2B |
负债/权益比AFLAGO
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.31× | ||
| Q3 24 | — | 0.30× | ||
| Q2 24 | — | 0.31× | ||
| Q1 24 | — | 0.30× |
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 | $315.0M | $46.0M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 0.23× | 2.56× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流AFLAGO
| Q4 25 | $315.0M | — | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $399.0M | — | ||
| Q1 25 | $589.0M | — | ||
| Q4 24 | $333.0M | $46.0M | ||
| Q3 24 | $1.3B | $17.0M | ||
| Q2 24 | $255.0M | $58.0M | ||
| Q1 24 | $849.0M | $-74.0M |
现金转化率AFLAGO
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.67× | — | ||
| Q1 25 | 20.31× | — | ||
| Q4 24 | 0.18× | 2.56× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | 0.15× | 0.74× | ||
| Q1 24 | 0.45× | -0.68× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AFL
| Aflac Japan | $2.3B | 47% |
| Aflac US | $1.7B | 35% |
| Other | $862.0M | 18% |
AGO
暂无分部数据
