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Aflac（AFL）与Beeline Holdings, Inc.（BLNE）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Beeline Holdings, Inc.的2592.4倍（$4.9B vs $1.9M）。Aflac净利率更高（28.3% vs -445.0%，领先473.3%）。过去两年Aflac的营收复合增速更高（-5.4% vs -33.0%）
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。
Beeline（比附，品牌名билайн）是一个移动网络运营商品牌，业务覆盖俄罗斯、哈萨克斯坦、吉尔吉斯斯坦与乌兹别克斯坦，分别隶属于VimpelCom股份公司与VEON集团。该品牌是俄罗斯第四大移动运营商，主要竞争对手包括MTS、MegaFon和T2。
AFL vs BLNE — 直观对比
营收规模更大
AFL
是对方的2592.4倍
$1.9M
净利率更高
AFL
高出473.3%
-445.0%
两年增速更快
AFL
近两年复合增速
-33.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $1.9M |
| 净利润 | $1.4B | $-8.4M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | -418.4% |
| 净利率 | 28.3% | -445.0% |
| 营收同比 | -10.0% | — |
| 净利润同比 | -27.5% | -16.1% |
| 每股收益（稀释后） | $2.58 | — |
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AFLBLNE
| Q4 25 | $4.9B | $1.9M | ||
| Q3 25 | $4.7B | $2.3M | ||
| Q2 25 | $4.2B | $1.7M | ||
| Q1 25 | $3.4B | $1.8M | ||
| Q4 24 | $5.4B | — | ||
| Q3 24 | $2.9B | $760.0K | ||
| Q2 24 | $5.1B | $3.0M | ||
| Q1 24 | $5.4B | $2.4M |
净利润AFLBLNE
| Q4 25 | $1.4B | $-8.4M | ||
| Q3 25 | $1.6B | $-3.9M | ||
| Q2 25 | $599.0M | $-4.1M | ||
| Q1 25 | $29.0M | $-6.8M | ||
| Q4 24 | $1.9B | — | ||
| Q3 24 | $-93.0M | $-1.4M | ||
| Q2 24 | $1.8B | $-1.5M | ||
| Q1 24 | $1.9B | $-1.3M |
毛利率AFLBLNE
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 26.3% | ||
| Q2 24 | — | 5.2% | ||
| Q1 24 | — | 7.7% |
营业利润率AFLBLNE
| Q4 25 | 32.3% | -418.4% | ||
| Q3 25 | 42.1% | -120.9% | ||
| Q2 25 | 19.8% | -229.0% | ||
| Q1 25 | 4.3% | -268.7% | ||
| Q4 24 | 39.5% | — | ||
| Q3 24 | 3.1% | -57.2% | ||
| Q2 24 | 39.3% | -11.9% | ||
| Q1 24 | 39.9% | -19.1% |
净利率AFLBLNE
| Q4 25 | 28.3% | -445.0% | ||
| Q3 25 | 34.6% | -167.2% | ||
| Q2 25 | 14.4% | -237.3% | ||
| Q1 25 | 0.9% | -372.4% | ||
| Q4 24 | 35.2% | — | ||
| Q3 24 | -3.2% | -178.8% | ||
| Q2 24 | 34.2% | -50.4% | ||
| Q1 24 | 34.6% | -53.6% |
每股收益（稀释后）AFLBLNE
| Q4 25 | $2.58 | — | ||
| Q3 25 | $3.08 | $-0.20 | ||
| Q2 25 | $1.11 | $-0.64 | ||
| Q1 25 | $0.05 | — | ||
| Q4 24 | $3.45 | — | ||
| Q3 24 | $-0.17 | $-6.60 | ||
| Q2 24 | $3.10 | $-8.74 | ||
| Q1 24 | $3.25 | $-0.78 |
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 | $3.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $29.5B | $53.6M |
| 总资产 | $116.5B | $70.2M |
| 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AFLBLNE
| Q4 25 | $6.2B | $3.1M | ||
| Q3 25 | $6.8B | $1.3M | ||
| Q2 25 | $7.0B | $6.3M | ||
| Q1 25 | $5.2B | $1.5M | ||
| Q4 24 | $6.2B | — | ||
| Q3 24 | $5.6B | $310.0K | ||
| Q2 24 | $6.1B | $420.0K | ||
| Q1 24 | $5.1B | $147.0K |
总债务AFLBLNE
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $8.2M | ||
| Q2 24 | — | $8.1M | ||
| Q1 24 | — | $8.1M |
股东权益AFLBLNE
| Q4 25 | $29.5B | $53.6M | ||
| Q3 25 | $28.7B | $51.7M | ||
| Q2 25 | $27.2B | $54.6M | ||
| Q1 25 | $26.3B | $47.1M | ||
| Q4 24 | $26.1B | — | ||
| Q3 24 | $24.8B | $-2.5M | ||
| Q2 24 | $26.0B | $-1.9M | ||
| Q1 24 | $23.5B | $-476.0K |
总资产AFLBLNE
| Q4 25 | $116.5B | $70.2M | ||
| Q3 25 | $122.3B | $63.2M | ||
| Q2 25 | $124.7B | $68.6M | ||
| Q1 25 | $120.3B | $63.8M | ||
| Q4 24 | $117.6B | — | ||
| Q3 24 | $128.4B | $16.2M | ||
| Q2 24 | $120.2B | $16.6M | ||
| Q1 24 | $124.7B | $17.0M |
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 | $-10.0M |
| 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× | — |
| 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AFLBLNE
| Q4 25 | $315.0M | $-10.0M | ||
| Q3 25 | $1.3B | $-5.8M | ||
| Q2 25 | $399.0M | $-4.1M | ||
| Q1 25 | $589.0M | $-1.5M | ||
| Q4 24 | $333.0M | — | ||
| Q3 24 | $1.3B | $-652.0K | ||
| Q2 24 | $255.0M | $-872.0K | ||
| Q1 24 | $849.0M | $-82.0K |
现金转化率AFLBLNE
| 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% |
BLNE
暂无分部数据
