vs
Aflac（AFL）与丽思卡尔顿酒店集团（INN）财务数据对比。点击上方公司名可切换其他公司
Aflac的季度营收约是丽思卡尔顿酒店集团的27.8倍（$4.9B vs $175.0M）。Aflac净利率更高（28.3% vs -1.5%，领先29.8%）。丽思卡尔顿酒店集团同比增速更快（1.2% vs -10.0%）。过去两年丽思卡尔顿酒店集团的营收复合增速更高（-3.6% 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。
丽思卡尔顿酒店集团是源自美国的跨国豪华连锁酒店品牌，主打高端奢华住宿体验，目前在全球30个国家和地区运营着108家豪华酒店及度假村，共计拥有超过2.9万间客房，另有46家合计近9千间客房的项目正在筹备规划中。
AFL vs INN — 直观对比
营收规模更大
AFL
是对方的27.8倍
$175.0M
营收增速更快
INN
高出11.1%
-10.0%
净利率更高
AFL
高出29.8%
-1.5%
两年增速更快
INN
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $175.0M |
| 净利润 | $1.4B | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | 8.3% |
| 净利率 | 28.3% | -1.5% |
| 营收同比 | -10.0% | 1.2% |
| 净利润同比 | -27.5% | -381.3% |
| 每股收益（稀释后） | $2.58 | $-0.05 |
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AFLINN
| Q4 25 | $4.9B | $175.0M | ||
| Q3 25 | $4.7B | $177.1M | ||
| Q2 25 | $4.2B | $192.9M | ||
| Q1 25 | $3.4B | $184.5M | ||
| Q4 24 | $5.4B | $172.9M | ||
| Q3 24 | $2.9B | $176.8M | ||
| Q2 24 | $5.1B | $193.9M | ||
| Q1 24 | $5.4B | $188.1M |
净利润AFLINN
| Q4 25 | $1.4B | $-2.6M | ||
| Q3 25 | $1.6B | $-11.8M | ||
| Q2 25 | $599.0M | $2.0M | ||
| Q1 25 | $29.0M | $623.0K | ||
| Q4 24 | $1.9B | $916.0K | ||
| Q3 24 | $-93.0M | $-3.6M | ||
| Q2 24 | $1.8B | $38.7M | ||
| Q1 24 | $1.9B | $2.8M |
营业利润率AFLINN
| Q4 25 | 32.3% | 8.3% | ||
| Q3 25 | 42.1% | 4.8% | ||
| Q2 25 | 19.8% | 11.8% | ||
| Q1 25 | 4.3% | 10.7% | ||
| Q4 24 | 39.5% | 4.6% | ||
| Q3 24 | 3.1% | 8.9% | ||
| Q2 24 | 39.3% | 29.0% | ||
| Q1 24 | 39.9% | 12.5% |
净利率AFLINN
| Q4 25 | 28.3% | -1.5% | ||
| Q3 25 | 34.6% | -6.6% | ||
| Q2 25 | 14.4% | 1.1% | ||
| Q1 25 | 0.9% | 0.3% | ||
| Q4 24 | 35.2% | 0.5% | ||
| Q3 24 | -3.2% | -2.0% | ||
| Q2 24 | 34.2% | 20.0% | ||
| Q1 24 | 34.6% | 1.5% |
每股收益（稀释后）AFLINN
| Q4 25 | $2.58 | $-0.05 | ||
| Q3 25 | $3.08 | $-0.11 | ||
| Q2 25 | $1.11 | $-0.02 | ||
| Q1 25 | $0.05 | $-0.04 | ||
| Q4 24 | $3.45 | $0.05 | ||
| Q3 24 | $-0.17 | $-0.04 | ||
| Q2 24 | $3.10 | $0.23 | ||
| Q1 24 | $3.25 | $-0.02 |
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 | $36.1M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $29.5B | $862.2M |
| 总资产 | $116.5B | $2.8B |
| 负债/权益比越低杠杆越低 | — | 1.62× |
8季度趋势，按日历期对齐
现金及短期投资AFLINN
| Q4 25 | $6.2B | $36.1M | ||
| Q3 25 | $6.8B | $41.1M | ||
| Q2 25 | $7.0B | $39.5M | ||
| Q1 25 | $5.2B | $48.2M | ||
| Q4 24 | $6.2B | $40.6M | ||
| Q3 24 | $5.6B | $51.7M | ||
| Q2 24 | $6.1B | $45.9M | ||
| Q1 24 | $5.1B | $63.4M |
总债务AFLINN
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.4B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.4B | ||
| Q3 24 | — | $1.3B | ||
| Q2 24 | — | $1.3B | ||
| Q1 24 | — | $1.5B |
股东权益AFLINN
| Q4 25 | $29.5B | $862.2M | ||
| Q3 25 | $28.7B | $875.8M | ||
| Q2 25 | $27.2B | $895.1M | ||
| Q1 25 | $26.3B | $920.4M | ||
| Q4 24 | $26.1B | $909.5M | ||
| Q3 24 | $24.8B | $911.4M | ||
| Q2 24 | $26.0B | $931.9M | ||
| Q1 24 | $23.5B | $907.8M |
总资产AFLINN
| Q4 25 | $116.5B | $2.8B | ||
| Q3 25 | $122.3B | $2.8B | ||
| Q2 25 | $124.7B | $2.9B | ||
| Q1 25 | $120.3B | $2.9B | ||
| Q4 24 | $117.6B | $2.9B | ||
| Q3 24 | $128.4B | $2.8B | ||
| Q2 24 | $120.2B | $2.9B | ||
| Q1 24 | $124.7B | $3.0B |
负债/权益比AFLINN
| Q4 25 | — | 1.62× | ||
| Q3 25 | — | 1.62× | ||
| Q2 25 | — | 1.59× | ||
| Q1 25 | — | 1.54× | ||
| Q4 24 | — | 1.54× | ||
| Q3 24 | — | 1.47× | ||
| Q2 24 | — | 1.44× | ||
| Q1 24 | — | 1.60× |
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 | $28.5M |
| 自由现金流经营现金流 - 资本支出 | — | $9.5M |
| 自由现金流率自由现金流/营收 | — | 5.4% |
| 资本支出强度资本支出/营收 | — | 10.9% |
| 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 | — | $73.6M |
8季度趋势，按日历期对齐
经营现金流AFLINN
| Q4 25 | $315.0M | $28.5M | ||
| Q3 25 | $1.3B | $45.8M | ||
| Q2 25 | $399.0M | $48.8M | ||
| Q1 25 | $589.0M | $25.9M | ||
| Q4 24 | $333.0M | $32.2M | ||
| Q3 24 | $1.3B | $55.7M | ||
| Q2 24 | $255.0M | $50.3M | ||
| Q1 24 | $849.0M | $28.1M |
自由现金流AFLINN
| Q4 25 | — | $9.5M | ||
| Q3 25 | — | $24.0M | ||
| Q2 25 | — | $30.0M | ||
| Q1 25 | — | $10.1M | ||
| Q4 24 | — | $4.4M | ||
| Q3 24 | — | $33.1M | ||
| Q2 24 | — | $29.4M | ||
| Q1 24 | — | $10.0M |
自由现金流率AFLINN
| Q4 25 | — | 5.4% | ||
| Q3 25 | — | 13.5% | ||
| Q2 25 | — | 15.5% | ||
| Q1 25 | — | 5.5% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | — | 18.7% | ||
| Q2 24 | — | 15.2% | ||
| Q1 24 | — | 5.3% |
资本支出强度AFLINN
| Q4 25 | — | 10.9% | ||
| Q3 25 | — | 12.3% | ||
| Q2 25 | — | 9.8% | ||
| Q1 25 | — | 8.5% | ||
| Q4 24 | — | 16.1% | ||
| Q3 24 | — | 12.7% | ||
| Q2 24 | — | 10.8% | ||
| Q1 24 | — | 9.6% |
现金转化率AFLINN
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.67× | 23.97× | ||
| Q1 25 | 20.31× | 41.49× | ||
| Q4 24 | 0.18× | 35.14× | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.15× | 1.30× | ||
| Q1 24 | 0.45× | 9.94× |
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% |
INN
| Occupancy | $153.1M | 88% |
| Food And Beverage | $11.0M | 6% |
| Other | $10.8M | 6% |
