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Aflac（AFL）与Cipher Mining Inc.（CIFR）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Cipher Mining Inc.的81.5倍（$4.9B vs $59.7M），Aflac净利率更高（28.3% vs -1229.6%，领先1257.9%），Cipher Mining Inc.同比增速更快（41.4% vs -10.0%），过去两年Cipher Mining Inc.的营收复合增速更高（11.4% 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。
Cipher Mining Inc.是总部位于美国的比特币挖矿生态运营企业，当前正全力发展加密货币相关业务，深耕加密行业上游基础设施赛道，依托技术及合规优势构建稳定高效的挖矿服务体系。
AFL vs CIFR — 直观对比
营收规模更大
AFL
是对方的81.5倍
$59.7M
营收增速更快
CIFR
高出51.4%
-10.0%
净利率更高
AFL
高出1257.9%
-1229.6%
两年增速更快
CIFR
近两年复合增速
-5.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $59.7M |
| 净利润 | $1.4B | $-734.2M |
| 毛利率 | — | 59.4% |
| 营业利润率 | 32.3% | -503.4% |
| 净利率 | 28.3% | -1229.6% |
| 营收同比 | -10.0% | 41.4% |
| 净利润同比 | -27.5% | -4293.1% |
| 每股收益（稀释后） | $2.58 | $-1.91 |
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AFLCIFR
| Q4 25 | $4.9B | $59.7M | ||
| Q3 25 | $4.7B | $71.7M | ||
| Q2 25 | $4.2B | $43.6M | ||
| Q1 25 | $3.4B | $49.0M | ||
| Q4 24 | $5.4B | $42.2M | ||
| Q3 24 | $2.9B | $24.1M | ||
| Q2 24 | $5.1B | $36.8M | ||
| Q1 24 | $5.4B | $48.1M |
净利润AFLCIFR
| Q4 25 | $1.4B | $-734.2M | ||
| Q3 25 | $1.6B | $-3.3M | ||
| Q2 25 | $599.0M | $-45.8M | ||
| Q1 25 | $29.0M | $-39.0M | ||
| Q4 24 | $1.9B | $17.5M | ||
| Q3 24 | $-93.0M | $-86.8M | ||
| Q2 24 | $1.8B | $-15.3M | ||
| Q1 24 | $1.9B | $39.9M |
毛利率AFLCIFR
| Q4 25 | — | 59.4% | ||
| Q3 25 | — | 62.7% | ||
| Q2 25 | — | 64.8% | ||
| Q1 25 | — | 69.6% | ||
| Q4 24 | — | 56.9% | ||
| Q3 24 | — | 37.5% | ||
| Q2 24 | — | 61.2% | ||
| Q1 24 | — | 69.2% |
营业利润率AFLCIFR
| Q4 25 | 32.3% | -503.4% | ||
| Q3 25 | 42.1% | -52.5% | ||
| Q2 25 | 19.8% | -103.9% | ||
| Q1 25 | 4.3% | -77.8% | ||
| Q4 24 | 39.5% | 40.5% | ||
| Q3 24 | 3.1% | -379.2% | ||
| Q2 24 | 39.3% | -43.9% | ||
| Q1 24 | 39.9% | 97.2% |
净利率AFLCIFR
| Q4 25 | 28.3% | -1229.6% | ||
| Q3 25 | 34.6% | -4.6% | ||
| Q2 25 | 14.4% | -105.1% | ||
| Q1 25 | 0.9% | -79.6% | ||
| Q4 24 | 35.2% | 41.5% | ||
| Q3 24 | -3.2% | -359.9% | ||
| Q2 24 | 34.2% | -41.5% | ||
| Q1 24 | 34.6% | 82.9% |
每股收益（稀释后）AFLCIFR
| Q4 25 | $2.58 | $-1.91 | ||
| Q3 25 | $3.08 | $-0.01 | ||
| Q2 25 | $1.11 | $-0.12 | ||
| Q1 25 | $0.05 | $-0.11 | ||
| Q4 24 | $3.45 | $0.04 | ||
| Q3 24 | $-0.17 | $-0.26 | ||
| Q2 24 | $3.10 | $-0.05 | ||
| Q1 24 | $3.25 | $0.13 |
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 | $628.3M |
| 总债务越低越好 | — | $2.7B |
| 股东权益账面价值 | $29.5B | $805.5M |
| 总资产 | $116.5B | $4.3B |
| 负债/权益比越低杠杆越低 | — | 3.37× |
8季度趋势，按日历期对齐
现金及短期投资AFLCIFR
| Q4 25 | $6.2B | $628.3M | ||
| Q3 25 | $6.8B | $1.2B | ||
| Q2 25 | $7.0B | $62.7M | ||
| Q1 25 | $5.2B | $23.2M | ||
| Q4 24 | $6.2B | $5.6M | ||
| Q3 24 | $5.6B | $25.3M | ||
| Q2 24 | $6.1B | $122.6M | ||
| Q1 24 | $5.1B | $88.7M |
总债务AFLCIFR
| Q4 25 | — | $2.7B | ||
| Q3 25 | — | $1.0B | ||
| Q2 25 | — | $167.1M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AFLCIFR
| Q4 25 | $29.5B | $805.5M | ||
| Q3 25 | $28.7B | $783.2M | ||
| Q2 25 | $27.2B | $748.9M | ||
| Q1 25 | $26.3B | $734.8M | ||
| Q4 24 | $26.1B | $682.0M | ||
| Q3 24 | $24.8B | $672.0M | ||
| Q2 24 | $26.0B | $690.8M | ||
| Q1 24 | $23.5B | $600.9M |
总资产AFLCIFR
| Q4 25 | $116.5B | $4.3B | ||
| Q3 25 | $122.3B | $2.8B | ||
| Q2 25 | $124.7B | $1.0B | ||
| Q1 25 | $120.3B | $913.8M | ||
| Q4 24 | $117.6B | $855.4M | ||
| Q3 24 | $128.4B | $775.4M | ||
| Q2 24 | $120.2B | $775.6M | ||
| Q1 24 | $124.7B | $677.1M |
负债/权益比AFLCIFR
| Q4 25 | — | 3.37× | ||
| Q3 25 | — | 1.31× | ||
| Q2 25 | — | 0.22× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-207.9M |
| 自由现金流经营现金流 - 资本支出 | — | $-695.9M |
| 自由现金流率自由现金流/营收 | — | -1165.4% |
| 资本支出强度资本支出/营收 | — | 817.1% |
| 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 | — | $-1.1B |
8季度趋势，按日历期对齐
经营现金流AFLCIFR
| Q4 25 | $315.0M | $-207.9M | ||
| Q3 25 | $1.3B | $-50.1M | ||
| Q2 25 | $399.0M | $-56.2M | ||
| Q1 25 | $589.0M | $-47.2M | ||
| Q4 24 | $333.0M | $-87.5M | ||
| Q3 24 | $1.3B | $-6.5M | ||
| Q2 24 | $255.0M | $-25.4M | ||
| Q1 24 | $849.0M | $-26.6M |
自由现金流AFLCIFR
| Q4 25 | — | $-695.9M | ||
| Q3 25 | — | $-256.2M | ||
| Q2 25 | — | $-87.5M | ||
| Q1 25 | — | $-71.8M | ||
| Q4 24 | — | $-227.0M | ||
| Q3 24 | — | $-83.2M | ||
| Q2 24 | — | $-33.2M | ||
| Q1 24 | — | $-34.5M |
自由现金流率AFLCIFR
| Q4 25 | — | -1165.4% | ||
| Q3 25 | — | -357.3% | ||
| Q2 25 | — | -200.9% | ||
| Q1 25 | — | -146.7% | ||
| Q4 24 | — | -537.6% | ||
| Q3 24 | — | -345.0% | ||
| Q2 24 | — | -90.2% | ||
| Q1 24 | — | -71.7% |
资本支出强度AFLCIFR
| Q4 25 | — | 817.1% | ||
| Q3 25 | — | 287.5% | ||
| Q2 25 | — | 71.8% | ||
| Q1 25 | — | 50.2% | ||
| Q4 24 | — | 330.4% | ||
| Q3 24 | — | 317.8% | ||
| Q2 24 | — | 21.4% | ||
| Q1 24 | — | 16.4% |
现金转化率AFLCIFR
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.67× | — | ||
| Q1 25 | 20.31× | — | ||
| Q4 24 | 0.18× | -5.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.15× | — | ||
| Q1 24 | 0.45× | -0.67× |
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% |
CIFR
暂无分部数据
