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Aflac（AFL）与INVESTORS TITLE CO（ITIC）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INVESTORS TITLE CO的478.5倍（$4.9B vs $10.2M）。INVESTORS TITLE CO同比增速更快（11.3% vs -10.0%）。过去两年INVESTORS TITLE CO的营收复合增速更高（12.6% 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。
该公司是全球首家产权保险公司，前身为费城房地产产权保险公司，目前专注于为房地产交易提供产权保险相关服务，保障房地产交易中产权方的合法权益，在产权保险领域拥有悠久的发展历史与行业积累。
AFL vs ITIC — 直观对比
营收规模更大
AFL
是对方的478.5倍
$10.2M
营收增速更快
ITIC
高出21.3%
-10.0%
两年增速更快
ITIC
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $10.2M |
| 净利润 | $1.4B | — |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | 94.5% |
| 净利率 | 28.3% | — |
| 营收同比 | -10.0% | 11.3% |
| 净利润同比 | -27.5% | — |
| 每股收益（稀释后） | $2.58 | $3.97 |
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AFLITIC
| Q4 25 | $4.9B | $10.2M | ||
| Q3 25 | $4.7B | $11.1M | ||
| Q2 25 | $4.2B | $11.2M | ||
| Q1 25 | $3.4B | $8.5M | ||
| Q4 24 | $5.4B | $9.1M | ||
| Q3 24 | $2.9B | $8.9M | ||
| Q2 24 | $5.1B | $9.1M | ||
| Q1 24 | $5.4B | $8.0M |
净利润AFLITIC
| Q4 25 | $1.4B | — | ||
| Q3 25 | $1.6B | $12.2M | ||
| Q2 25 | $599.0M | $12.3M | ||
| Q1 25 | $29.0M | $3.2M | ||
| Q4 24 | $1.9B | — | ||
| Q3 24 | $-93.0M | $9.3M | ||
| Q2 24 | $1.8B | $8.9M | ||
| Q1 24 | $1.9B | $4.5M |
营业利润率AFLITIC
| Q4 25 | 32.3% | 94.5% | ||
| Q3 25 | 42.1% | — | ||
| Q2 25 | 19.8% | — | ||
| Q1 25 | 4.3% | 47.7% | ||
| Q4 24 | 39.5% | — | ||
| Q3 24 | 3.1% | — | ||
| Q2 24 | 39.3% | — | ||
| Q1 24 | 39.9% | 72.2% |
净利率AFLITIC
| Q4 25 | 28.3% | — | ||
| Q3 25 | 34.6% | 110.3% | ||
| Q2 25 | 14.4% | 109.9% | ||
| Q1 25 | 0.9% | 37.3% | ||
| Q4 24 | 35.2% | — | ||
| Q3 24 | -3.2% | 104.9% | ||
| Q2 24 | 34.2% | 97.4% | ||
| Q1 24 | 34.6% | 56.4% |
每股收益（稀释后）AFLITIC
| Q4 25 | $2.58 | $3.97 | ||
| Q3 25 | $3.08 | $6.45 | ||
| Q2 25 | $1.11 | $6.48 | ||
| Q1 25 | $0.05 | $1.67 | ||
| Q4 24 | $3.45 | $4.41 | ||
| Q3 24 | $-0.17 | $4.92 | ||
| Q2 24 | $3.10 | $4.70 | ||
| Q1 24 | $3.25 | $2.40 |
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 | $89.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $29.5B | $268.3M |
| 总资产 | $116.5B | $363.1M |
| 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AFLITIC
| Q4 25 | $6.2B | $89.6M | ||
| Q3 25 | $6.8B | $110.8M | ||
| Q2 25 | $7.0B | $90.1M | ||
| Q1 25 | $5.2B | $81.7M | ||
| Q4 24 | $6.2B | $83.8M | ||
| Q3 24 | $5.6B | $112.9M | ||
| Q2 24 | $6.1B | $111.2M | ||
| Q1 24 | $5.1B | $135.0M |
股东权益AFLITIC
| Q4 25 | $29.5B | $268.3M | ||
| Q3 25 | $28.7B | $278.0M | ||
| Q2 25 | $27.2B | $266.2M | ||
| Q1 25 | $26.3B | $254.4M | ||
| Q4 24 | $26.1B | $251.8M | ||
| Q3 24 | $24.8B | $271.3M | ||
| Q2 24 | $26.0B | $261.8M | ||
| Q1 24 | $23.5B | $254.0M |
总资产AFLITIC
| Q4 25 | $116.5B | $363.1M | ||
| Q3 25 | $122.3B | $363.3M | ||
| Q2 25 | $124.7B | $345.8M | ||
| Q1 25 | $120.3B | $333.8M | ||
| Q4 24 | $117.6B | $333.6M | ||
| Q3 24 | $128.4B | $352.0M | ||
| Q2 24 | $120.2B | $340.3M | ||
| Q1 24 | $124.7B | $329.5M |
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 | $5.0M |
| 自由现金流经营现金流 - 资本支出 | — | $3.7M |
| 自由现金流率自由现金流/营收 | — | 36.1% |
| 资本支出强度资本支出/营收 | — | 13.0% |
| 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 | — | $25.4M |
8季度趋势，按日历期对齐
经营现金流AFLITIC
| Q4 25 | $315.0M | $5.0M | ||
| Q3 25 | $1.3B | $17.2M | ||
| Q2 25 | $399.0M | $8.9M | ||
| Q1 25 | $589.0M | $-75.0K | ||
| Q4 24 | $333.0M | $12.1M | ||
| Q3 24 | $1.3B | $7.8M | ||
| Q2 24 | $255.0M | $8.4M | ||
| Q1 24 | $849.0M | $1.4M |
自由现金流AFLITIC
| Q4 25 | — | $3.7M | ||
| Q3 25 | — | $15.8M | ||
| Q2 25 | — | $7.3M | ||
| Q1 25 | — | $-1.4M | ||
| Q4 24 | — | $10.8M | ||
| Q3 24 | — | $6.1M | ||
| Q2 24 | — | $6.3M | ||
| Q1 24 | — | $-793.0K |
自由现金流率AFLITIC
| Q4 25 | — | 36.1% | ||
| Q3 25 | — | 142.8% | ||
| Q2 25 | — | 65.4% | ||
| Q1 25 | — | -16.5% | ||
| Q4 24 | — | 118.2% | ||
| Q3 24 | — | 68.6% | ||
| Q2 24 | — | 69.4% | ||
| Q1 24 | — | -9.9% |
资本支出强度AFLITIC
| Q4 25 | — | 13.0% | ||
| Q3 25 | — | 12.2% | ||
| Q2 25 | — | 13.9% | ||
| Q1 25 | — | 15.7% | ||
| Q4 24 | — | 14.8% | ||
| Q3 24 | — | 19.5% | ||
| Q2 24 | — | 23.2% | ||
| Q1 24 | — | 27.8% |
现金转化率AFLITIC
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.76× | 1.40× | ||
| Q2 25 | 0.67× | 0.72× | ||
| Q1 25 | 20.31× | -0.02× | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | — | 0.84× | ||
| Q2 24 | 0.15× | 0.95× | ||
| Q1 24 | 0.45× | 0.32× |
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% |
ITIC
| Escrow Title Related And Other Fees | $4.9M | 48% |
| Investment Related Revenue | $3.8M | 37% |
| Other | $1.5M | 15% |
