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Aflac（AFL）与Better Home & Finance Holding Co（BETR）财务数据对比。点击上方公司名可切换其他公司
Aflac的季度营收约是Better Home & Finance Holding Co的4082.2倍（$4.9B vs $1.2M）。Aflac净利率更高（28.3% vs -3349.0%，领先3377.3%）。Aflac同比增速更快（-10.0% vs -71.1%）。过去两年Aflac的营收复合增速更高（-5.4% vs -35.0%）
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。
巴贾吉金融有限公司是印度一家可吸收存款的非银行金融机构，总部位于普纳。截至2025年9月，该公司拥有1.1064亿客户，管理资产规模达46225亿卢比，约合550亿美元，是印度知名的非银行金融服务商。
AFL vs BETR — 直观对比
营收规模更大
AFL
是对方的4082.2倍
$1.2M
营收增速更快
AFL
高出61.1%
-71.1%
净利率更高
AFL
高出3377.3%
-3349.0%
两年增速更快
AFL
近两年复合增速
-35.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $1.2M |
| 净利润 | $1.4B | $-39.9M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | -3376.8% |
| 净利率 | 28.3% | -3349.0% |
| 营收同比 | -10.0% | -71.1% |
| 净利润同比 | -27.5% | 32.6% |
| 每股收益（稀释后） | $2.58 | $-2.52 |
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AFLBETR
| Q4 25 | $4.9B | $1.2M | ||
| Q3 25 | $4.7B | $2.8M | ||
| Q2 25 | $4.2B | $3.3M | ||
| Q1 25 | $3.4B | $4.0M | ||
| Q4 24 | $5.4B | $4.1M | ||
| Q3 24 | $2.9B | $3.1M | ||
| Q2 24 | $5.1B | $2.9M | ||
| Q1 24 | $5.4B | $2.8M |
净利润AFLBETR
| Q4 25 | $1.4B | $-39.9M | ||
| Q3 25 | $1.6B | $-39.1M | ||
| Q2 25 | $599.0M | $-36.3M | ||
| Q1 25 | $29.0M | $-50.6M | ||
| Q4 24 | $1.9B | $-59.2M | ||
| Q3 24 | $-93.0M | $-54.2M | ||
| Q2 24 | $1.8B | $-41.4M | ||
| Q1 24 | $1.9B | $-51.5M |
营业利润率AFLBETR
| Q4 25 | 32.3% | -3376.8% | ||
| Q3 25 | 42.1% | -1403.7% | ||
| Q2 25 | 19.8% | -1096.2% | ||
| Q1 25 | 4.3% | -1250.9% | ||
| Q4 24 | 39.5% | -1428.3% | ||
| Q3 24 | 3.1% | -1761.7% | ||
| Q2 24 | 39.3% | -1428.7% | ||
| Q1 24 | 39.9% | -1822.8% |
净利率AFLBETR
| Q4 25 | 28.3% | -3349.0% | ||
| Q3 25 | 34.6% | -1408.9% | ||
| Q2 25 | 14.4% | -1099.1% | ||
| Q1 25 | 0.9% | -1254.5% | ||
| Q4 24 | 35.2% | -1437.5% | ||
| Q3 24 | -3.2% | -1765.8% | ||
| Q2 24 | 34.2% | -1435.8% | ||
| Q1 24 | 34.6% | -1827.9% |
每股收益（稀释后）AFLBETR
| Q4 25 | $2.58 | $-2.52 | ||
| Q3 25 | $3.08 | $-2.56 | ||
| Q2 25 | $1.11 | $-2.39 | ||
| Q1 25 | $0.05 | $-3.33 | ||
| Q4 24 | $3.45 | $-3.92 | ||
| Q3 24 | $-0.17 | $-3.58 | ||
| Q2 24 | $3.10 | $-2.74 | ||
| Q1 24 | $3.25 | $-3.41 |
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 | $203.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $29.5B | $37.2M |
| 总资产 | $116.5B | $1.5B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资AFLBETR
| Q4 25 | $6.2B | $203.4M | ||
| Q3 25 | $6.8B | $205.8M | ||
| Q2 25 | $7.0B | $221.5M | ||
| Q1 25 | $5.2B | $228.0M | ||
| Q4 24 | $6.2B | $264.9M | ||
| Q3 24 | $5.6B | $262.1M | ||
| Q2 24 | $6.1B | $378.8M | ||
| Q1 24 | $5.1B | $482.6M |
股东权益AFLBETR
| Q4 25 | $29.5B | $37.2M | ||
| Q3 25 | $28.7B | $41.9M | ||
| Q2 25 | $27.2B | $76.6M | ||
| Q1 25 | $26.3B | $-102.1M | ||
| Q4 24 | $26.1B | $-58.2M | ||
| Q3 24 | $24.8B | $388.0K | ||
| Q2 24 | $26.0B | $44.9M | ||
| Q1 24 | $23.5B | $76.3M |
总资产AFLBETR
| Q4 25 | $116.5B | $1.5B | ||
| Q3 25 | $122.3B | $1.4B | ||
| Q2 25 | $124.7B | $1.2B | ||
| Q1 25 | $120.3B | $1.0B | ||
| Q4 24 | $117.6B | $913.1M | ||
| Q3 24 | $128.4B | $845.2M | ||
| Q2 24 | $120.2B | $957.9M | ||
| Q1 24 | $124.7B | $841.6M |
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 | $-57.3M |
| 自由现金流经营现金流 - 资本支出 | — | $-57.6M |
| 自由现金流率自由现金流/营收 | — | -4833.4% |
| 资本支出强度资本支出/营收 | — | 28.9% |
| 现金转化率经营现金流/净利润 | 0.23× | — |
| 过去12个月自由现金流最近4个季度 | — | $-167.8M |
8季度趋势，按日历期对齐
经营现金流AFLBETR
| Q4 25 | $315.0M | $-57.3M | ||
| Q3 25 | $1.3B | $4.2M | ||
| Q2 25 | $399.0M | $-56.3M | ||
| Q1 25 | $589.0M | $-57.2M | ||
| Q4 24 | $333.0M | $-106.0M | ||
| Q3 24 | $1.3B | $-10.6M | ||
| Q2 24 | $255.0M | $-220.6M | ||
| Q1 24 | $849.0M | $-42.8M |
自由现金流AFLBETR
| Q4 25 | — | $-57.6M | ||
| Q3 25 | — | $4.0M | ||
| Q2 25 | — | $-56.7M | ||
| Q1 25 | — | $-57.4M | ||
| Q4 24 | — | $-106.5M | ||
| Q3 24 | — | $-11.7M | ||
| Q2 24 | — | $-221.8M | ||
| Q1 24 | — | $-43.3M |
自由现金流率AFLBETR
| Q4 25 | — | -4833.4% | ||
| Q3 25 | — | 143.0% | ||
| Q2 25 | — | -1719.2% | ||
| Q1 25 | — | -1424.0% | ||
| Q4 24 | — | -2584.9% | ||
| Q3 24 | — | -382.7% | ||
| Q2 24 | — | -7699.9% | ||
| Q1 24 | — | -1536.4% |
资本支出强度AFLBETR
| Q4 25 | — | 28.9% | ||
| Q3 25 | — | 8.6% | ||
| Q2 25 | — | 12.3% | ||
| Q1 25 | — | 5.0% | ||
| Q4 24 | — | 11.4% | ||
| Q3 24 | — | 38.6% | ||
| Q2 24 | — | 43.7% | ||
| Q1 24 | — | 16.8% |
现金转化率AFLBETR
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.67× | — | ||
| Q1 25 | 20.31× | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.15× | — | ||
| Q1 24 | 0.45× | — |
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% |
BETR
暂无分部数据
