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Aflac（AFL）与ONITY GROUP INC.（ONIT）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ONITY GROUP INC.的16.8倍（$4.9B vs $290.0M）。ONITY GROUP INC.净利率更高（43.9% vs 28.3%，领先15.5%）。ONITY GROUP INC.同比增速更快（29.0% vs -10.0%）。过去两年ONITY GROUP INC.的营收复合增速更高（10.1% 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。
奥尼提集团（原奥克文）是一家提供住宅及商业抵押贷款 servicing、特殊 servicing以及资产管理服务的供应商，业务性质也可概括为向房主收取每月本金与利息。公司成立于1988年，总部位于佛罗里达州西棕榈滩，在美国多地及菲律宾、印度都设有办公及支持运营点。
AFL vs ONIT — 直观对比
营收规模更大
AFL
是对方的16.8倍
$290.0M
营收增速更快
ONIT
高出39.0%
-10.0%
净利率更高
ONIT
高出15.5%
28.3%
两年增速更快
ONIT
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $290.0M |
| 净利润 | $1.4B | $127.2M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | — |
| 净利率 | 28.3% | 43.9% |
| 营收同比 | -10.0% | 29.0% |
| 净利润同比 | -27.5% | 552.7% |
| 每股收益（稀释后） | $2.58 | $14.53 |
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AFLONIT
| Q4 25 | $4.9B | $290.0M | ||
| Q3 25 | $4.7B | $280.3M | ||
| Q2 25 | $4.2B | $246.6M | ||
| Q1 25 | $3.4B | $249.8M | ||
| Q4 24 | $5.4B | $224.8M | ||
| Q3 24 | $2.9B | $265.7M | ||
| Q2 24 | $5.1B | $246.4M | ||
| Q1 24 | $5.4B | $239.1M |
净利润AFLONIT
| Q4 25 | $1.4B | $127.2M | ||
| Q3 25 | $1.6B | $18.7M | ||
| Q2 25 | $599.0M | $21.5M | ||
| Q1 25 | $29.0M | $22.1M | ||
| Q4 24 | $1.9B | $-28.1M | ||
| Q3 24 | $-93.0M | $21.4M | ||
| Q2 24 | $1.8B | $10.5M | ||
| Q1 24 | $1.9B | $30.1M |
营业利润率AFLONIT
| Q4 25 | 32.3% | — | ||
| Q3 25 | 42.1% | — | ||
| Q2 25 | 19.8% | — | ||
| Q1 25 | 4.3% | 3.6% | ||
| Q4 24 | 39.5% | -14.9% | ||
| Q3 24 | 3.1% | 10.4% | ||
| Q2 24 | 39.3% | 5.5% | ||
| Q1 24 | 39.9% | 13.3% |
净利率AFLONIT
| Q4 25 | 28.3% | 43.9% | ||
| Q3 25 | 34.6% | 6.7% | ||
| Q2 25 | 14.4% | 8.7% | ||
| Q1 25 | 0.9% | 8.8% | ||
| Q4 24 | 35.2% | -12.5% | ||
| Q3 24 | -3.2% | 8.1% | ||
| Q2 24 | 34.2% | 4.3% | ||
| Q1 24 | 34.6% | 12.6% |
每股收益（稀释后）AFLONIT
| Q4 25 | $2.58 | $14.53 | ||
| Q3 25 | $3.08 | $2.03 | ||
| Q2 25 | $1.11 | $2.40 | ||
| Q1 25 | $0.05 | $2.50 | ||
| Q4 24 | $3.45 | $-3.59 | ||
| Q3 24 | $-0.17 | $2.65 | ||
| Q2 24 | $3.10 | $1.33 | ||
| Q1 24 | $3.25 | $3.74 |
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 | $180.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $29.5B | $627.9M |
| 总资产 | $116.5B | $16.2B |
| 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AFLONIT
| Q4 25 | $6.2B | $180.5M | ||
| Q3 25 | $6.8B | $172.8M | ||
| Q2 25 | $7.0B | $194.3M | ||
| Q1 25 | $5.2B | $178.0M | ||
| Q4 24 | $6.2B | $184.8M | ||
| Q3 24 | $5.6B | $201.6M | ||
| Q2 24 | $6.1B | $203.1M | ||
| Q1 24 | $5.1B | $185.1M |
股东权益AFLONIT
| Q4 25 | $29.5B | $627.9M | ||
| Q3 25 | $28.7B | $501.4M | ||
| Q2 25 | $27.2B | $481.9M | ||
| Q1 25 | $26.3B | $460.2M | ||
| Q4 24 | $26.1B | $442.9M | ||
| Q3 24 | $24.8B | $468.2M | ||
| Q2 24 | $26.0B | $446.2M | ||
| Q1 24 | $23.5B | $432.1M |
总资产AFLONIT
| Q4 25 | $116.5B | $16.2B | ||
| Q3 25 | $122.3B | $16.1B | ||
| Q2 25 | $124.7B | $16.5B | ||
| Q1 25 | $120.3B | $16.3B | ||
| Q4 24 | $117.6B | $16.4B | ||
| Q3 24 | $128.4B | $13.2B | ||
| Q2 24 | $120.2B | $13.1B | ||
| Q1 24 | $124.7B | $13.1B |
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 | $-230.6M |
| 自由现金流经营现金流 - 资本支出 | — | $-232.5M |
| 自由现金流率自由现金流/营收 | — | -80.2% |
| 资本支出强度资本支出/营收 | — | 0.7% |
| 现金转化率经营现金流/净利润 | 0.23× | -1.81× |
| 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AFLONIT
| Q4 25 | $315.0M | $-230.6M | ||
| Q3 25 | $1.3B | $229.5M | ||
| Q2 25 | $399.0M | $-598.8M | ||
| Q1 25 | $589.0M | $-148.1M | ||
| Q4 24 | $333.0M | $-218.0M | ||
| Q3 24 | $1.3B | $19.2M | ||
| Q2 24 | $255.0M | $-77.9M | ||
| Q1 24 | $849.0M | $-297.1M |
自由现金流AFLONIT
| Q4 25 | — | $-232.5M | ||
| Q3 25 | — | $228.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $-148.4M | ||
| Q4 24 | — | $-218.5M | ||
| Q3 24 | — | $19.1M | ||
| Q2 24 | — | $-78.0M | ||
| Q1 24 | — | $-297.2M |
自由现金流率AFLONIT
| Q4 25 | — | -80.2% | ||
| Q3 25 | — | 81.6% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -59.4% | ||
| Q4 24 | — | -97.2% | ||
| Q3 24 | — | 7.2% | ||
| Q2 24 | — | -31.7% | ||
| Q1 24 | — | -124.3% |
资本支出强度AFLONIT
| Q4 25 | — | 0.7% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.0% |
现金转化率AFLONIT
| Q4 25 | 0.23× | -1.81× | ||
| Q3 25 | 0.76× | 12.27× | ||
| Q2 25 | 0.67× | -27.85× | ||
| Q1 25 | 20.31× | -6.70× | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | — | 0.90× | ||
| Q2 24 | 0.15× | -7.42× | ||
| Q1 24 | 0.45× | -9.87× |
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% |
ONIT
暂无分部数据
