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Aflac（AFL）与Finance of America Companies Inc.（FOA）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Finance of America Companies Inc.的66.2倍（$4.9B vs $73.5M）。Aflac净利率更高（28.3% vs -14.1%，领先42.5%）。Finance of America Companies Inc.同比增速更快（248.7% vs -10.0%）。过去两年Finance of America Companies Inc.的营收复合增速更高（-0.8% 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。
洛克特公司是一家美国金融科技与住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。依托核心子公司Rocket Mortgage，该公司已是美国规模最大的抵押贷款机构之一，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
AFL vs FOA — 直观对比
营收规模更大
AFL
是对方的66.2倍
$73.5M
营收增速更快
FOA
高出258.7%
-10.0%
净利率更高
AFL
高出42.5%
-14.1%
两年增速更快
FOA
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $73.5M |
| 净利润 | $1.4B | $-10.4M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | -29.9% |
| 净利率 | 28.3% | -14.1% |
| 营收同比 | -10.0% | 248.7% |
| 净利润同比 | -27.5% | 82.4% |
| 每股收益（稀释后） | $2.58 | $0.45 |
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AFLFOA
| Q4 25 | $4.9B | $73.5M | ||
| Q3 25 | $4.7B | $80.8M | ||
| Q2 25 | $4.2B | $177.4M | ||
| Q1 25 | $3.4B | $165.7M | ||
| Q4 24 | $5.4B | $-49.4M | ||
| Q3 24 | $2.9B | $290.1M | ||
| Q2 24 | $5.1B | $79.0M | ||
| Q1 24 | $5.4B | $74.7M |
净利润AFLFOA
| Q4 25 | $1.4B | $-10.4M | ||
| Q3 25 | $1.6B | $-9.5M | ||
| Q2 25 | $599.0M | $34.9M | ||
| Q1 25 | $29.0M | $30.2M | ||
| Q4 24 | $1.9B | $-59.1M | ||
| Q3 24 | $-93.0M | $84.2M | ||
| Q2 24 | $1.8B | $-2.1M | ||
| Q1 24 | $1.9B | $-7.5M |
营业利润率AFLFOA
| Q4 25 | 32.3% | -29.9% | ||
| Q3 25 | 42.1% | -35.3% | ||
| Q2 25 | 19.8% | 46.2% | ||
| Q1 25 | 4.3% | 49.3% | ||
| Q4 24 | 39.5% | 295.0% | ||
| Q3 24 | 3.1% | 71.8% | ||
| Q2 24 | 39.3% | -4.8% | ||
| Q1 24 | 39.9% | -21.1% |
净利率AFLFOA
| Q4 25 | 28.3% | -14.1% | ||
| Q3 25 | 34.6% | -11.8% | ||
| Q2 25 | 14.4% | 19.7% | ||
| Q1 25 | 0.9% | 18.2% | ||
| Q4 24 | 35.2% | 119.5% | ||
| Q3 24 | -3.2% | 29.0% | ||
| Q2 24 | 34.2% | -2.6% | ||
| Q1 24 | 34.6% | -10.1% |
每股收益（稀释后）AFLFOA
| Q4 25 | $2.58 | $0.45 | ||
| Q3 25 | $3.08 | $-1.27 | ||
| Q2 25 | $1.11 | $2.13 | ||
| Q1 25 | $0.05 | $2.43 | ||
| Q4 24 | $3.45 | $-5.24 | ||
| Q3 24 | $-0.17 | $7.50 | ||
| Q2 24 | $3.10 | $-0.30 | ||
| 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 | $89.5M |
| 总债务越低越好 | — | $357.5M |
| 股东权益账面价值 | $29.5B | $395.6M |
| 总资产 | $116.5B | $30.7B |
| 负债/权益比越低杠杆越低 | — | 0.90× |
8季度趋势，按日历期对齐
现金及短期投资AFLFOA
| Q4 25 | $6.2B | $89.5M | ||
| Q3 25 | $6.8B | $109.8M | ||
| Q2 25 | $7.0B | $46.5M | ||
| Q1 25 | $5.2B | $52.0M | ||
| Q4 24 | $6.2B | $47.4M | ||
| Q3 24 | $5.6B | $44.3M | ||
| Q2 24 | $6.1B | $46.5M | ||
| Q1 24 | $5.1B | $48.2M |
总债务AFLFOA
| Q4 25 | — | $357.5M | ||
| Q3 25 | — | $390.0M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $374.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AFLFOA
| Q4 25 | $29.5B | $395.6M | ||
| Q3 25 | $28.7B | $365.8M | ||
| Q2 25 | $27.2B | $473.4M | ||
| Q1 25 | $26.3B | $394.9M | ||
| Q4 24 | $26.1B | $315.7M | ||
| Q3 24 | $24.8B | $456.5M | ||
| Q2 24 | $26.0B | $251.3M | ||
| Q1 24 | $23.5B | $255.7M |
总资产AFLFOA
| Q4 25 | $116.5B | $30.7B | ||
| Q3 25 | $122.3B | $30.7B | ||
| Q2 25 | $124.7B | $30.1B | ||
| Q1 25 | $120.3B | $29.7B | ||
| Q4 24 | $117.6B | $29.2B | ||
| Q3 24 | $128.4B | $29.0B | ||
| Q2 24 | $120.2B | $28.0B | ||
| Q1 24 | $124.7B | $27.7B |
负债/权益比AFLFOA
| Q4 25 | — | 0.90× | ||
| Q3 25 | — | 1.07× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.19× | ||
| 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 | $-91.4M |
| 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AFLFOA
| Q4 25 | $315.0M | $-91.4M | ||
| Q3 25 | $1.3B | $-149.7M | ||
| Q2 25 | $399.0M | $-96.5M | ||
| Q1 25 | $589.0M | $-92.1M | ||
| Q4 24 | $333.0M | $-106.2M | ||
| Q3 24 | $1.3B | $-81.4M | ||
| Q2 24 | $255.0M | $-104.0M | ||
| Q1 24 | $849.0M | $-132.2M |
自由现金流AFLFOA
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $-132.7M |
自由现金流率AFLFOA
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -177.7% |
资本支出强度AFLFOA
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.6% |
现金转化率AFLFOA
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.67× | -2.76× | ||
| Q1 25 | 20.31× | -3.05× | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | — | -0.97× | ||
| 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% |
FOA
暂无分部数据
