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Aflac（AFL）与PennyMac Financial Services, Inc.（PFSI）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PennyMac Financial Services, Inc.的798.2倍（$4.9B vs $6.1M）。PennyMac Financial Services, Inc.净利率更高（1752.5% vs 28.3%，领先1724.1%）。PennyMac Financial Services, Inc.同比增速更快（49.3% vs -10.0%）。过去两年PennyMac Financial Services, Inc.的营收复合增速更高（29.8% 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。
PennyMac Financial Services是总部位于美国加利福尼亚州西湖村的住宅抵押贷款企业，核心业务涵盖美国抵押贷款的发放、贷后服务，以及抵押贷款市场相关投资管理。公司下设两家子公司，其中PNMAC资本管理有限公司负责运营旗下的抵押贷款不动产投资信托（REIT）PennyMac Mortgage Investment Trust。
AFL vs PFSI — 直观对比
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $6.1M |
| 净利润 | $1.4B | $106.8M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | — |
| 净利率 | 28.3% | 1752.5% |
| 营收同比 | -10.0% | 49.3% |
| 净利润同比 | -27.5% | 2.2% |
| 每股收益（稀释后） | $2.58 | $1.97 |
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
| Q4 25 | $4.9B | $6.1M | ||
| Q3 25 | $4.7B | $4.6M | ||
| Q2 25 | $4.2B | $4.5M | ||
| Q1 25 | $3.4B | $4.9M | ||
| Q4 24 | $5.4B | $4.1M | ||
| Q3 24 | $2.9B | $3.4M | ||
| Q2 24 | $5.1B | $15.7M | ||
| Q1 24 | $5.4B | $3.6M |
| Q4 25 | $1.4B | $106.8M | ||
| Q3 25 | $1.6B | $181.5M | ||
| Q2 25 | $599.0M | $136.5M | ||
| Q1 25 | $29.0M | $76.3M | ||
| Q4 24 | $1.9B | $104.5M | ||
| Q3 24 | $-93.0M | $69.4M | ||
| Q2 24 | $1.8B | $98.3M | ||
| Q1 24 | $1.9B | $39.3M |
| Q4 25 | 32.3% | — | ||
| Q3 25 | 42.1% | — | ||
| Q2 25 | 19.8% | — | ||
| Q1 25 | 4.3% | — | ||
| Q4 24 | 39.5% | — | ||
| Q3 24 | 3.1% | — | ||
| Q2 24 | 39.3% | — | ||
| Q1 24 | 39.9% | — |
| Q4 25 | 28.3% | 1752.5% | ||
| Q3 25 | 34.6% | 3964.7% | ||
| Q2 25 | 14.4% | 3021.8% | ||
| Q1 25 | 0.9% | 1551.0% | ||
| Q4 24 | 35.2% | 2559.8% | ||
| Q3 24 | -3.2% | 2017.7% | ||
| Q2 24 | 34.2% | 624.6% | ||
| Q1 24 | 34.6% | 1086.8% |
| Q4 25 | $2.58 | $1.97 | ||
| Q3 25 | $3.08 | $3.37 | ||
| Q2 25 | $1.11 | $2.54 | ||
| Q1 25 | $0.05 | $1.42 | ||
| Q4 24 | $3.45 | $1.95 | ||
| Q3 24 | $-0.17 | $1.30 | ||
| Q2 24 | $3.10 | $1.85 | ||
| Q1 24 | $3.25 | $0.74 |
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 | $410.0M |
| 总债务越低越好 | — | $6.2B |
| 股东权益账面价值 | $29.5B | $4.3B |
| 总资产 | $116.5B | $29.4B |
| 负债/权益比越低杠杆越低 | — | 1.45× |
8季度趋势，按日历期对齐
| Q4 25 | $6.2B | $410.0M | ||
| Q3 25 | $6.8B | $62.2M | ||
| Q2 25 | $7.0B | $462.3M | ||
| Q1 25 | $5.2B | $443.4M | ||
| Q4 24 | $6.2B | $420.6M | ||
| Q3 24 | $5.6B | $667.9M | ||
| Q2 24 | $6.1B | $188.8M | ||
| Q1 24 | $5.1B | $69.0K |
| Q4 25 | — | $6.2B | ||
| Q3 25 | — | $6.2B | ||
| Q2 25 | — | $5.6B | ||
| Q1 25 | — | $5.8B | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | — | $4.9B | ||
| Q2 24 | — | $4.9B | ||
| Q1 24 | — | $4.5B |
| Q4 25 | $29.5B | $4.3B | ||
| Q3 25 | $28.7B | $4.2B | ||
| Q2 25 | $27.2B | $4.0B | ||
| Q1 25 | $26.3B | $3.9B | ||
| Q4 24 | $26.1B | $3.8B | ||
| Q3 24 | $24.8B | $3.7B | ||
| Q2 24 | $26.0B | $3.7B | ||
| Q1 24 | $23.5B | $3.6B |
| Q4 25 | $116.5B | $29.4B | ||
| Q3 25 | $122.3B | $25.4B | ||
| Q2 25 | $124.7B | $24.2B | ||
| Q1 25 | $120.3B | $23.9B | ||
| Q4 24 | $117.6B | $26.1B | ||
| Q3 24 | $128.4B | $22.9B | ||
| Q2 24 | $120.2B | $21.6B | ||
| Q1 24 | $124.7B | $19.8B |
| Q4 25 | — | 1.45× | ||
| Q3 25 | — | 1.48× | ||
| Q2 25 | — | 1.38× | ||
| Q1 25 | — | 1.48× | ||
| Q4 24 | — | 1.37× | ||
| Q3 24 | — | 1.32× | ||
| Q2 24 | — | 1.35× | ||
| Q1 24 | — | 1.27× |
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 | $-1.9B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.9B |
| 自由现金流率自由现金流/营收 | — | -31125.7% |
| 资本支出强度资本支出/营收 | — | 134.0% |
| 现金转化率经营现金流/净利润 | 0.23× | -17.68× |
| 过去12个月自由现金流最近4个季度 | — | $-1.7B |
8季度趋势，按日历期对齐
| Q4 25 | $315.0M | $-1.9B | ||
| Q3 25 | $1.3B | $-697.4M | ||
| Q2 25 | $399.0M | $-131.3M | ||
| Q1 25 | $589.0M | $1.1B | ||
| Q4 24 | $333.0M | $-2.1B | ||
| Q3 24 | $1.3B | $-393.7M | ||
| Q2 24 | $255.0M | $-1.1B | ||
| Q1 24 | $849.0M | $-897.9M |
| Q4 25 | — | $-1.9B | ||
| Q3 25 | — | $-699.4M | ||
| Q2 25 | — | $-132.6M | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $-2.1B | ||
| Q3 24 | — | $-393.9M | ||
| Q2 24 | — | $-1.1B | ||
| Q1 24 | — | $-898.9M |
| Q4 25 | — | -31125.7% | ||
| Q3 25 | — | -15278.5% | ||
| Q2 25 | — | -2936.7% | ||
| Q1 25 | — | 21667.1% | ||
| Q4 24 | — | -52645.4% | ||
| Q3 24 | — | -11456.0% | ||
| Q2 24 | — | -6949.9% | ||
| Q1 24 | — | -24850.9% |
| Q4 25 | — | 134.0% | ||
| Q3 25 | — | 45.3% | ||
| Q2 25 | — | 28.9% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 4.3% | ||
| Q2 24 | — | 2.5% | ||
| Q1 24 | — | 25.4% |
| Q4 25 | 0.23× | -17.68× | ||
| Q3 25 | 0.76× | -3.84× | ||
| Q2 25 | 0.67× | -0.96× | ||
| Q1 25 | 20.31× | 13.97× | ||
| Q4 24 | 0.18× | -20.56× | ||
| Q3 24 | — | -5.68× | ||
| Q2 24 | 0.15× | -11.12× | ||
| Q1 24 | 0.45× | -22.84× |
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% |
PFSI
暂无分部数据
