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Aflac（AFL）与AUTONATION, INC.（AN）财务数据对比。点击上方公司名可切换其他公司
AUTONATION, INC.的季度营收约是Aflac的1.4倍（$6.9B vs $4.9B），Aflac净利率更高（28.3% vs 2.5%，领先25.9%），AUTONATION, INC.同比增速更快（-3.9% vs -10.0%），过去两年AUTONATION, INC.的营收复合增速更高（3.4% vs -5.4%）
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。
AutoNation是总部位于美国佛罗里达州劳德代尔堡的汽车零售企业，1996年由韦恩·休伊森创立，最初仅拥有12家门店，目前在全美运营超300个零售网点，提供新车、二手车销售及相关配套服务。
AFL vs AN — 直观对比
营收规模更大
AN
是对方的1.4倍
$4.9B
营收增速更快
AN
高出6.0%
-10.0%
净利率更高
AFL
高出25.9%
2.5%
两年增速更快
AN
近两年复合增速
-5.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $6.9B |
| 净利润 | $1.4B | $172.1M |
| 毛利率 | — | 17.5% |
| 营业利润率 | 32.3% | 4.5% |
| 净利率 | 28.3% | 2.5% |
| 营收同比 | -10.0% | -3.9% |
| 净利润同比 | -27.5% | -7.5% |
| 每股收益（稀释后） | $2.58 | $4.68 |
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AFLAN
| Q4 25 | $4.9B | $6.9B | ||
| Q3 25 | $4.7B | $7.0B | ||
| Q2 25 | $4.2B | $7.0B | ||
| Q1 25 | $3.4B | $6.7B | ||
| Q4 24 | $5.4B | $7.2B | ||
| Q3 24 | $2.9B | $6.6B | ||
| Q2 24 | $5.1B | $6.5B | ||
| Q1 24 | $5.4B | $6.5B |
净利润AFLAN
| Q4 25 | $1.4B | $172.1M | ||
| Q3 25 | $1.6B | $215.1M | ||
| Q2 25 | $599.0M | $86.4M | ||
| Q1 25 | $29.0M | $175.5M | ||
| Q4 24 | $1.9B | $186.1M | ||
| Q3 24 | $-93.0M | $185.8M | ||
| Q2 24 | $1.8B | $130.2M | ||
| Q1 24 | $1.9B | $190.1M |
毛利率AFLAN
| Q4 25 | — | 17.5% | ||
| Q3 25 | — | 17.6% | ||
| Q2 25 | — | 18.3% | ||
| Q1 25 | — | 18.2% | ||
| Q4 24 | — | 17.2% | ||
| Q3 24 | — | 18.0% | ||
| Q2 24 | — | 17.9% | ||
| Q1 24 | — | 18.5% |
营业利润率AFLAN
| Q4 25 | 32.3% | 4.5% | ||
| Q3 25 | 42.1% | 5.3% | ||
| Q2 25 | 19.8% | 3.1% | ||
| Q1 25 | 4.3% | 5.0% | ||
| Q4 24 | 39.5% | 4.7% | ||
| Q3 24 | 3.1% | 5.3% | ||
| Q2 24 | 39.3% | 4.2% | ||
| Q1 24 | 39.9% | 5.2% |
净利率AFLAN
| Q4 25 | 28.3% | 2.5% | ||
| Q3 25 | 34.6% | 3.1% | ||
| Q2 25 | 14.4% | 1.2% | ||
| Q1 25 | 0.9% | 2.6% | ||
| Q4 24 | 35.2% | 2.6% | ||
| Q3 24 | -3.2% | 2.8% | ||
| Q2 24 | 34.2% | 2.0% | ||
| Q1 24 | 34.6% | 2.9% |
每股收益（稀释后）AFLAN
| Q4 25 | $2.58 | $4.68 | ||
| Q3 25 | $3.08 | $5.65 | ||
| Q2 25 | $1.11 | $2.26 | ||
| Q1 25 | $0.05 | $4.45 | ||
| Q4 24 | $3.45 | $4.62 | ||
| Q3 24 | $-0.17 | $4.61 | ||
| Q2 24 | $3.10 | $3.20 | ||
| Q1 24 | $3.25 | $4.49 |
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 | $58.6M |
| 总债务越低越好 | — | $3.7B |
| 股东权益账面价值 | $29.5B | $2.3B |
| 总资产 | $116.5B | $14.4B |
| 负债/权益比越低杠杆越低 | — | 1.58× |
8季度趋势，按日历期对齐
现金及短期投资AFLAN
| Q4 25 | $6.2B | $58.6M | ||
| Q3 25 | $6.8B | $97.6M | ||
| Q2 25 | $7.0B | $62.9M | ||
| Q1 25 | $5.2B | $70.5M | ||
| Q4 24 | $6.2B | $59.8M | ||
| Q3 24 | $5.6B | $60.2M | ||
| Q2 24 | $6.1B | $85.9M | ||
| Q1 24 | $5.1B | $60.3M |
总债务AFLAN
| Q4 25 | — | $3.7B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $3.1B | ||
| Q4 24 | — | $2.6B | ||
| Q3 24 | — | $3.1B | ||
| Q2 24 | — | $3.1B | ||
| Q1 24 | — | $3.1B |
股东权益AFLAN
| Q4 25 | $29.5B | $2.3B | ||
| Q3 25 | $28.7B | $2.5B | ||
| Q2 25 | $27.2B | $2.5B | ||
| Q1 25 | $26.3B | $2.4B | ||
| Q4 24 | $26.1B | $2.5B | ||
| Q3 24 | $24.8B | $2.4B | ||
| Q2 24 | $26.0B | $2.2B | ||
| Q1 24 | $23.5B | $2.4B |
总资产AFLAN
| Q4 25 | $116.5B | $14.4B | ||
| Q3 25 | $122.3B | $14.2B | ||
| Q2 25 | $124.7B | $13.6B | ||
| Q1 25 | $120.3B | $13.3B | ||
| Q4 24 | $117.6B | $13.0B | ||
| Q3 24 | $128.4B | $12.9B | ||
| Q2 24 | $120.2B | $12.8B | ||
| Q1 24 | $124.7B | $12.0B |
负债/权益比AFLAN
| Q4 25 | — | 1.58× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 1.29× | ||
| Q4 24 | — | 1.06× | ||
| Q3 24 | — | 1.32× | ||
| Q2 24 | — | 1.43× | ||
| Q1 24 | — | 1.32× |
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 | $150.5M |
| 自由现金流经营现金流 - 资本支出 | — | $64.2M |
| 自由现金流率自由现金流/营收 | — | 0.9% |
| 资本支出强度资本支出/营收 | — | 1.2% |
| 现金转化率经营现金流/净利润 | 0.23× | 0.87× |
| 过去12个月自由现金流最近4个季度 | — | $-197.5M |
8季度趋势，按日历期对齐
经营现金流AFLAN
| Q4 25 | $315.0M | $150.5M | ||
| Q3 25 | $1.3B | $191.7M | ||
| Q2 25 | $399.0M | $-177.8M | ||
| Q1 25 | $589.0M | $-52.5M | ||
| Q4 24 | $333.0M | $149.8M | ||
| Q3 24 | $1.3B | $-70.0M | ||
| Q2 24 | $255.0M | $-59.6M | ||
| Q1 24 | $849.0M | $294.5M |
自由现金流AFLAN
| Q4 25 | — | $64.2M | ||
| Q3 25 | — | $122.8M | ||
| Q2 25 | — | $-256.8M | ||
| Q1 25 | — | $-127.7M | ||
| Q4 24 | — | $83.5M | ||
| Q3 24 | — | $-151.0M | ||
| Q2 24 | — | $-147.1M | ||
| Q1 24 | — | $200.8M |
自由现金流率AFLAN
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | -3.7% | ||
| Q1 25 | — | -1.9% | ||
| Q4 24 | — | 1.2% | ||
| Q3 24 | — | -2.3% | ||
| Q2 24 | — | -2.3% | ||
| Q1 24 | — | 3.1% |
资本支出强度AFLAN
| Q4 25 | — | 1.2% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.4% |
现金转化率AFLAN
| Q4 25 | 0.23× | 0.87× | ||
| Q3 25 | 0.76× | 0.89× | ||
| Q2 25 | 0.67× | -2.06× | ||
| Q1 25 | 20.31× | -0.30× | ||
| Q4 24 | 0.18× | 0.80× | ||
| Q3 24 | — | -0.38× | ||
| Q2 24 | 0.15× | -0.46× | ||
| Q1 24 | 0.45× | 1.55× |
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% |
AN
| New Vehicle | $3.4B | 50% |
| Transferred At Point In Time | $1.7B | 24% |
| Parts And Service | $1.2B | 18% |
| Finance And Insurance Net | $369.4M | 5% |
| Transferred Over Time | $221.4M | 3% |
| Other | $3.5M | 0% |
