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Aflac（AFL）与LM FUNDING AMERICA, INC.（LMFA）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LM FUNDING AMERICA, INC.的2056.0倍（$4.9B vs $2.4M），LM FUNDING AMERICA, INC.同比增速更快（19.2% vs -10.0%），过去两年Aflac的营收复合增速更高（-5.4% vs -29.4%）
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。
LM Funding America, Inc.是一家总部位于美国的专业金融服务企业，主要业务为收购、管理及处置逾期不动产税收留置权，服务于美国多地地方政府机构与房地产市场参与主体，核心业务板块聚焦于财产税债权相关的另类资产投资。
AFL vs LMFA — 直观对比
营收规模更大
AFL
是对方的2056.0倍
$2.4M
LM
营收增速更快
LM
LMFA
高出29.2%
LM
19.2%-10.0%
两年增速更快
AFL
近两年复合增速
-29.4%
LM
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | LM LMFA |
|---|---|---|
| 营收 | $4.9B | $2.4M |
| 净利润 | $1.4B | — |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | — |
| 净利率 | 28.3% | — |
| 营收同比 | -10.0% | 19.2% |
| 净利润同比 | -27.5% | — |
| 每股收益（稀释后） | $2.58 | — |
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AFL
LM
LMFA| Q4 25 | $4.9B | $2.4M | ||
| Q3 25 | $4.7B | $2.2M | ||
| Q2 25 | $4.2B | $1.9M | ||
| Q1 25 | $3.4B | $2.4M | ||
| Q4 24 | $5.4B | $2.0M | ||
| Q3 24 | $2.9B | $1.3M | ||
| Q2 24 | $5.1B | $3.0M | ||
| Q1 24 | $5.4B | $4.7M |
净利润AFL
LM
LMFA| Q4 25 | $1.4B | — | ||
| Q3 25 | $1.6B | $-3.7M | ||
| Q2 25 | $599.0M | $100.6K | ||
| Q1 25 | $29.0M | $-5.4M | ||
| Q4 24 | $1.9B | — | ||
| Q3 24 | $-93.0M | $-4.3M | ||
| Q2 24 | $1.8B | $-5.6M | ||
| Q1 24 | $1.9B | $1.9M |
营业利润率AFL
LM
LMFA| Q4 25 | 32.3% | — | ||
| Q3 25 | 42.1% | -161.5% | ||
| Q2 25 | 19.8% | 22.0% | ||
| Q1 25 | 4.3% | -215.1% | ||
| Q4 24 | 39.5% | — | ||
| Q3 24 | 3.1% | -318.6% | ||
| Q2 24 | 39.3% | -143.2% | ||
| Q1 24 | 39.9% | 21.2% |
净利率AFL
LM
LMFA| Q4 25 | 28.3% | — | ||
| Q3 25 | 34.6% | -171.2% | ||
| Q2 25 | 14.4% | 5.2% | ||
| Q1 25 | 0.9% | -227.7% | ||
| Q4 24 | 35.2% | — | ||
| Q3 24 | -3.2% | -341.2% | ||
| Q2 24 | 34.2% | -186.2% | ||
| Q1 24 | 34.6% | 40.9% |
每股收益（稀释后）AFL
LM
LMFA| Q4 25 | $2.58 | — | ||
| Q3 25 | $3.08 | $-0.41 | ||
| Q2 25 | $1.11 | $0.02 | ||
| Q1 25 | $0.05 | $-1.05 | ||
| Q4 24 | $3.45 | — | ||
| Q3 24 | $-0.17 | $-2.25 | ||
| Q2 24 | $3.10 | $-2.26 | ||
| Q1 24 | $3.25 | $0.80 |
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 | | LM LMFA |
|---|---|---|
| 现金及短期投资手头流动性 | $6.2B | $37.4K |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $29.5B | $30.6M |
| 总资产 | $116.5B | $51.3M |
| 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AFL
LM
LMFA| Q4 25 | $6.2B | $37.4K | ||
| Q3 25 | $6.8B | $23.6K | ||
| Q2 25 | $7.0B | $13.2K | ||
| Q1 25 | $5.2B | $18.3K | ||
| Q4 24 | $6.2B | $27.1K | ||
| Q3 24 | $5.6B | $18.8K | ||
| Q2 24 | $6.1B | $22.1K | ||
| Q1 24 | $5.1B | $15.7K |
股东权益AFL
LM
LMFA| Q4 25 | $29.5B | $30.6M | ||
| Q3 25 | $28.7B | $50.1M | ||
| Q2 25 | $27.2B | $31.9M | ||
| Q1 25 | $26.3B | $31.7M | ||
| Q4 24 | $26.1B | $37.0M | ||
| Q3 24 | $24.8B | $30.2M | ||
| Q2 24 | $26.0B | $32.5M | ||
| Q1 24 | $23.5B | $38.5M |
总资产AFL
LM
LMFA| Q4 25 | $116.5B | $51.3M | ||
| Q3 25 | $122.3B | $60.2M | ||
| Q2 25 | $124.7B | $39.0M | ||
| Q1 25 | $120.3B | $39.1M | ||
| Q4 24 | $117.6B | $44.0M | ||
| Q3 24 | $128.4B | $37.9M | ||
| Q2 24 | $120.2B | $35.1M | ||
| Q1 24 | $124.7B | $40.6M |
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 | | LM LMFA |
|---|---|---|
| 经营现金流最新季度 | $315.0M | $-14.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-16.2M |
| 自由现金流率自由现金流/营收 | — | -684.3% |
| 资本支出强度资本支出/营收 | — | 93.2% |
| 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 | — | $-25.6M |
8季度趋势，按日历期对齐
经营现金流AFL
LM
LMFA| Q4 25 | $315.0M | $-14.0M | ||
| Q3 25 | $1.3B | $-3.1M | ||
| Q2 25 | $399.0M | $-2.8M | ||
| Q1 25 | $589.0M | $-2.9M | ||
| Q4 24 | $333.0M | $-11.9M | ||
| Q3 24 | $1.3B | $-2.7M | ||
| Q2 24 | $255.0M | $-3.0M | ||
| Q1 24 | $849.0M | $-3.0M |
自由现金流AFL
LM
LMFA| Q4 25 | — | $-16.2M | ||
| Q3 25 | — | $-3.3M | ||
| Q2 25 | — | $-3.0M | ||
| Q1 25 | — | $-3.1M | ||
| Q4 24 | — | $-13.7M | ||
| Q3 24 | — | $-2.7M | ||
| Q2 24 | — | $-4.2M | ||
| Q1 24 | — | — |
自由现金流率AFL
LM
LMFA| Q4 25 | — | -684.3% | ||
| Q3 25 | — | -152.1% | ||
| Q2 25 | — | -156.7% | ||
| Q1 25 | — | -129.4% | ||
| Q4 24 | — | -689.0% | ||
| Q3 24 | — | -215.3% | ||
| Q2 24 | — | -140.9% | ||
| Q1 24 | — | — |
资本支出强度AFL
LM
LMFA| Q4 25 | — | 93.2% | ||
| Q3 25 | — | 11.9% | ||
| Q2 25 | — | 10.7% | ||
| Q1 25 | — | 7.2% | ||
| Q4 24 | — | 87.3% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 40.7% | ||
| Q1 24 | — | 0.0% |
现金转化率AFL
LM
LMFA| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.67× | -27.99× | ||
| Q1 25 | 20.31× | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.15× | — | ||
| Q1 24 | 0.45× | -1.53× |
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% |
LMLMFA
暂无分部数据
