vs
Aflac（AFL）与Essent Group Ltd.（ESNT）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Essent Group Ltd.的15.6倍（$4.9B vs $312.4M）。Essent Group Ltd.净利率更高（49.6% vs 28.3%，领先21.3%）。Essent Group Ltd.同比增速更快（-0.8% vs -10.0%）。过去两年Essent Group Ltd.的营收复合增速更高（2.3% 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。
Essentra PLC是一家面向全球市场的塑料及纤维产品供应商，总部位于英国牛津郡基德灵顿，业务网络覆盖全球多个区域，目前在伦敦证券交易所上市，可面向各行业客户提供多元化的相关产品及配套服务，在所属细分领域拥有较高的市场认可度。
AFL vs ESNT — 直观对比
营收规模更大
AFL
是对方的15.6倍
$312.4M
营收增速更快
ESNT
高出9.1%
-10.0%
净利率更高
ESNT
高出21.3%
28.3%
两年增速更快
ESNT
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $312.4M |
| 净利润 | $1.4B | $155.0M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | 59.1% |
| 净利率 | 28.3% | 49.6% |
| 营收同比 | -10.0% | -0.8% |
| 净利润同比 | -27.5% | -7.7% |
| 每股收益（稀释后） | $2.58 | $1.61 |
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AFLESNT
| Q4 25 | $4.9B | $312.4M | ||
| Q3 25 | $4.7B | $311.8M | ||
| Q2 25 | $4.2B | $319.1M | ||
| Q1 25 | $3.4B | $317.6M | ||
| Q4 24 | $5.4B | $315.0M | ||
| Q3 24 | $2.9B | $316.6M | ||
| Q2 24 | $5.1B | $312.9M | ||
| Q1 24 | $5.4B | $298.4M |
净利润AFLESNT
| Q4 25 | $1.4B | $155.0M | ||
| Q3 25 | $1.6B | $164.2M | ||
| Q2 25 | $599.0M | $195.3M | ||
| Q1 25 | $29.0M | $175.4M | ||
| Q4 24 | $1.9B | $167.9M | ||
| Q3 24 | $-93.0M | $176.2M | ||
| Q2 24 | $1.8B | $203.6M | ||
| Q1 24 | $1.9B | $181.7M |
营业利润率AFLESNT
| Q4 25 | 32.3% | 59.1% | ||
| Q3 25 | 42.1% | 63.9% | ||
| Q2 25 | 19.8% | 72.4% | ||
| Q1 25 | 4.3% | 65.2% | ||
| Q4 24 | 39.5% | 61.9% | ||
| Q3 24 | 3.1% | 65.6% | ||
| Q2 24 | 39.3% | 76.4% | ||
| Q1 24 | 39.9% | 71.6% |
净利率AFLESNT
| Q4 25 | 28.3% | 49.6% | ||
| Q3 25 | 34.6% | 52.7% | ||
| Q2 25 | 14.4% | 61.2% | ||
| Q1 25 | 0.9% | 55.2% | ||
| Q4 24 | 35.2% | 53.3% | ||
| Q3 24 | -3.2% | 55.6% | ||
| Q2 24 | 34.2% | 65.1% | ||
| Q1 24 | 34.6% | 60.9% |
每股收益（稀释后）AFLESNT
| Q4 25 | $2.58 | $1.61 | ||
| Q3 25 | $3.08 | $1.67 | ||
| Q2 25 | $1.11 | $1.93 | ||
| Q1 25 | $0.05 | $1.69 | ||
| Q4 24 | $3.45 | $1.59 | ||
| Q3 24 | $-0.17 | $1.65 | ||
| Q2 24 | $3.10 | $1.91 | ||
| Q1 24 | $3.25 | $1.70 |
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 | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $29.5B | $5.8B |
| 总资产 | $116.5B | $7.4B |
| 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AFLESNT
| Q4 25 | $6.2B | — | ||
| Q3 25 | $6.8B | — | ||
| Q2 25 | $7.0B | — | ||
| Q1 25 | $5.2B | — | ||
| Q4 24 | $6.2B | — | ||
| Q3 24 | $5.6B | — | ||
| Q2 24 | $6.1B | — | ||
| Q1 24 | $5.1B | — |
股东权益AFLESNT
| Q4 25 | $29.5B | $5.8B | ||
| Q3 25 | $28.7B | $5.7B | ||
| Q2 25 | $27.2B | $5.7B | ||
| Q1 25 | $26.3B | $5.7B | ||
| Q4 24 | $26.1B | $5.6B | ||
| Q3 24 | $24.8B | $5.6B | ||
| Q2 24 | $26.0B | $5.4B | ||
| Q1 24 | $23.5B | $5.2B |
总资产AFLESNT
| Q4 25 | $116.5B | $7.4B | ||
| Q3 25 | $122.3B | $7.4B | ||
| Q2 25 | $124.7B | $7.2B | ||
| Q1 25 | $120.3B | $7.2B | ||
| Q4 24 | $117.6B | $7.1B | ||
| Q3 24 | $128.4B | $7.1B | ||
| Q2 24 | $120.2B | $6.7B | ||
| Q1 24 | $124.7B | $6.6B |
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 | $229.1M |
| 自由现金流经营现金流 - 资本支出 | — | $228.0M |
| 自由现金流率自由现金流/营收 | — | 73.0% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | 0.23× | 1.48× |
| 过去12个月自由现金流最近4个季度 | — | $848.7M |
8季度趋势，按日历期对齐
经营现金流AFLESNT
| Q4 25 | $315.0M | $229.1M | ||
| Q3 25 | $1.3B | $215.9M | ||
| Q2 25 | $399.0M | $189.5M | ||
| Q1 25 | $589.0M | $221.6M | ||
| Q4 24 | $333.0M | $226.7M | ||
| Q3 24 | $1.3B | $229.2M | ||
| Q2 24 | $255.0M | $188.7M | ||
| Q1 24 | $849.0M | $216.9M |
自由现金流AFLESNT
| Q4 25 | — | $228.0M | ||
| Q3 25 | — | $210.6M | ||
| Q2 25 | — | $188.8M | ||
| Q1 25 | — | $221.3M | ||
| Q4 24 | — | $226.0M | ||
| Q3 24 | — | $228.7M | ||
| Q2 24 | — | $187.6M | ||
| Q1 24 | — | $212.5M |
自由现金流率AFLESNT
| Q4 25 | — | 73.0% | ||
| Q3 25 | — | 67.5% | ||
| Q2 25 | — | 59.2% | ||
| Q1 25 | — | 69.7% | ||
| Q4 24 | — | 71.7% | ||
| Q3 24 | — | 72.2% | ||
| Q2 24 | — | 60.0% | ||
| Q1 24 | — | 71.2% |
资本支出强度AFLESNT
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 1.5% |
现金转化率AFLESNT
| Q4 25 | 0.23× | 1.48× | ||
| Q3 25 | 0.76× | 1.31× | ||
| Q2 25 | 0.67× | 0.97× | ||
| Q1 25 | 20.31× | 1.26× | ||
| Q4 24 | 0.18× | 1.35× | ||
| Q3 24 | — | 1.30× | ||
| Q2 24 | 0.15× | 0.93× | ||
| Q1 24 | 0.45× | 1.19× |
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% |
ESNT
暂无分部数据
