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Aflac（AFL）与LESAKA TECHNOLOGIES INC（LSAK）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LESAKA TECHNOLOGIES INC的27.2倍（$4.9B vs $178.7M）。Aflac净利率更高（28.3% vs 2.0%，领先26.3%）。LESAKA TECHNOLOGIES INC同比增速更快（21.7% vs -10.0%）。过去两年LESAKA TECHNOLOGIES INC的营收复合增速更高（13.7% 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。
莱萨卡科技是一家总部位于南非的金融科技公司，目前同时在纳斯达克交易所与约翰内斯堡证券交易所挂牌上市。公司核心业务聚焦于金融普惠，面向此前金融服务覆盖不足的社区与商户提供各类金融服务。
AFL vs LSAK — 直观对比
营收规模更大
AFL
是对方的27.2倍
$178.7M
营收增速更快
LSAK
高出31.7%
-10.0%
净利率更高
AFL
高出26.3%
2.0%
两年增速更快
LSAK
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $178.7M |
| 净利润 | $1.4B | $3.6M |
| 毛利率 | — | 31.4% |
| 营业利润率 | 32.3% | 1.2% |
| 净利率 | 28.3% | 2.0% |
| 营收同比 | -10.0% | 21.7% |
| 净利润同比 | -27.5% | 111.3% |
| 每股收益（稀释后） | $2.58 | $0.04 |
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AFLLSAK
| Q4 25 | $4.9B | $178.7M | ||
| Q3 25 | $4.7B | $171.4M | ||
| Q2 25 | $4.2B | $168.5M | ||
| Q1 25 | $3.4B | $161.4M | ||
| Q4 24 | $5.4B | $176.2M | ||
| Q3 24 | $2.9B | $153.6M | ||
| Q2 24 | $5.1B | $146.0M | ||
| Q1 24 | $5.4B | $138.2M |
净利润AFLLSAK
| Q4 25 | $1.4B | $3.6M | ||
| Q3 25 | $1.6B | $-4.3M | ||
| Q2 25 | $599.0M | $-28.4M | ||
| Q1 25 | $29.0M | $-22.1M | ||
| Q4 24 | $1.9B | $-32.5M | ||
| Q3 24 | $-93.0M | $-4.5M | ||
| Q2 24 | $1.8B | $-5.0M | ||
| Q1 24 | $1.9B | $-4.0M |
毛利率AFLLSAK
| Q4 25 | — | 31.4% | ||
| Q3 25 | — | 30.9% | ||
| Q2 25 | — | 28.9% | ||
| Q1 25 | — | 27.5% | ||
| Q4 24 | — | 25.7% | ||
| Q3 24 | — | 22.6% | ||
| Q2 24 | — | 22.6% | ||
| Q1 24 | — | 22.0% |
营业利润率AFLLSAK
| Q4 25 | 32.3% | 1.2% | ||
| Q3 25 | 42.1% | 0.2% | ||
| Q2 25 | 19.8% | -16.7% | ||
| Q1 25 | 4.3% | 0.4% | ||
| Q4 24 | 39.5% | 0.3% | ||
| Q3 24 | 3.1% | -0.0% | ||
| Q2 24 | 39.3% | 0.2% | ||
| Q1 24 | 39.9% | 0.6% |
净利率AFLLSAK
| Q4 25 | 28.3% | 2.0% | ||
| Q3 25 | 34.6% | -2.5% | ||
| Q2 25 | 14.4% | -16.9% | ||
| Q1 25 | 0.9% | -13.7% | ||
| Q4 24 | 35.2% | -18.4% | ||
| Q3 24 | -3.2% | -3.0% | ||
| Q2 24 | 34.2% | -3.4% | ||
| Q1 24 | 34.6% | -2.9% |
每股收益（稀释后）AFLLSAK
| Q4 25 | $2.58 | $0.04 | ||
| Q3 25 | $3.08 | $-0.05 | ||
| Q2 25 | $1.11 | $-0.40 | ||
| Q1 25 | $0.05 | $-0.27 | ||
| Q4 24 | $3.45 | $-0.40 | ||
| Q3 24 | $-0.17 | $-0.07 | ||
| Q2 24 | $3.10 | $-0.08 | ||
| Q1 24 | $3.25 | $-0.06 |
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 | $69.5M |
| 总债务越低越好 | — | $216.8M |
| 股东权益账面价值 | $29.5B | $180.6M |
| 总资产 | $116.5B | $704.6M |
| 负债/权益比越低杠杆越低 | — | 1.20× |
8季度趋势，按日历期对齐
现金及短期投资AFLLSAK
| Q4 25 | $6.2B | $69.5M | ||
| Q3 25 | $6.8B | $72.2M | ||
| Q2 25 | $7.0B | $76.5M | ||
| Q1 25 | $5.2B | $71.0M | ||
| Q4 24 | $6.2B | $60.6M | ||
| Q3 24 | $5.6B | $49.7M | ||
| Q2 24 | $6.1B | $59.1M | ||
| Q1 24 | $5.1B | $55.2M |
总债务AFLLSAK
| Q4 25 | — | $216.8M | ||
| Q3 25 | — | $208.1M | ||
| Q2 25 | — | $200.8M | ||
| Q1 25 | — | $194.7M | ||
| Q4 24 | — | $148.7M | ||
| Q3 24 | — | $148.5M | ||
| Q2 24 | — | $143.2M | ||
| Q1 24 | — | $135.7M |
股东权益AFLLSAK
| Q4 25 | $29.5B | $180.6M | ||
| Q3 25 | $28.7B | $170.4M | ||
| Q2 25 | $27.2B | $161.6M | ||
| Q1 25 | $26.3B | $185.2M | ||
| Q4 24 | $26.1B | $193.3M | ||
| Q3 24 | $24.8B | $184.2M | ||
| Q2 24 | $26.0B | $175.9M | ||
| Q1 24 | $23.5B | $173.1M |
总资产AFLLSAK
| Q4 25 | $116.5B | $704.6M | ||
| Q3 25 | $122.3B | $652.9M | ||
| Q2 25 | $124.7B | $653.7M | ||
| Q1 25 | $120.3B | $649.2M | ||
| Q4 24 | $117.6B | $640.6M | ||
| Q3 24 | $128.4B | $551.9M | ||
| Q2 24 | $120.2B | $558.5M | ||
| Q1 24 | $124.7B | $551.5M |
负债/权益比AFLLSAK
| Q4 25 | — | 1.20× | ||
| Q3 25 | — | 1.22× | ||
| Q2 25 | — | 1.24× | ||
| Q1 25 | — | 1.05× | ||
| Q4 24 | — | 0.77× | ||
| Q3 24 | — | 0.81× | ||
| Q2 24 | — | 0.81× | ||
| Q1 24 | — | 0.78× |
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 | $-10.9M |
| 自由现金流经营现金流 - 资本支出 | — | $-14.8M |
| 自由现金流率自由现金流/营收 | — | -8.3% |
| 资本支出强度资本支出/营收 | — | 2.2% |
| 现金转化率经营现金流/净利润 | 0.23× | -2.99× |
| 过去12个月自由现金流最近4个季度 | — | $-12.6M |
8季度趋势，按日历期对齐
经营现金流AFLLSAK
| Q4 25 | $315.0M | $-10.9M | ||
| Q3 25 | $1.3B | $8.9M | ||
| Q2 25 | $399.0M | $-6.5M | ||
| Q1 25 | $589.0M | $10.7M | ||
| Q4 24 | $333.0M | $-9.2M | ||
| Q3 24 | $1.3B | $-4.1M | ||
| Q2 24 | $255.0M | $5.7M | ||
| Q1 24 | $849.0M | $19.2M |
自由现金流AFLLSAK
| Q4 25 | — | $-14.8M | ||
| Q3 25 | — | $4.9M | ||
| Q2 25 | — | $-10.6M | ||
| Q1 25 | — | $7.8M | ||
| Q4 24 | — | $-15.5M | ||
| Q3 24 | — | $-8.1M | ||
| Q2 24 | — | $937.0K | ||
| Q1 24 | — | $16.2M |
自由现金流率AFLLSAK
| Q4 25 | — | -8.3% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | -6.3% | ||
| Q1 25 | — | 4.9% | ||
| Q4 24 | — | -8.8% | ||
| Q3 24 | — | -5.3% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 11.7% |
资本支出强度AFLLSAK
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 3.2% | ||
| Q1 24 | — | 2.1% |
现金转化率AFLLSAK
| Q4 25 | 0.23× | -2.99× | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.67× | — | ||
| Q1 25 | 20.31× | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | — | — | ||
| 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% |
LSAK
| Telecom Products And Services | $82.0M | 46% |
| Processing Fees | $37.6M | 21% |
| Enterprise Segment | $14.5M | 8% |
| Rest Of Africa | $10.9M | 6% |
| Technology Products | $8.6M | 5% |
| Insurance Revenue | $7.9M | 4% |
| Lending Revenue | $7.2M | 4% |
| Other | $6.7M | 4% |
| Interest From Customer | $2.1M | 1% |
| Other Products And Services | $1.2M | 1% |
