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Aflac（AFL）与RYDER SYSTEM INC（R）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RYDER SYSTEM INC的1.4倍（$4.3B vs $3.1B），Aflac净利率更高（23.4% vs 3.0%，领先20.5%），Aflac同比增速更快（27.9% vs 1.0%），过去两年RYDER SYSTEM INC的营收复合增速更高（-0.9% vs -8.0%）
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。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
AFL vs R — 直观对比
营收规模更大
AFL
是对方的1.4倍
$3.1B
营收增速更快
AFL
高出26.9%
1.0%
净利率更高
AFL
高出20.5%
3.0%
两年增速更快
R
近两年复合增速
-8.0%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $4.3B | $3.1B |
| 净利润 | $1.0B | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 23.4% | 3.0% |
| 营收同比 | 27.9% | 1.0% |
| 净利润同比 | — | -5.1% |
| 每股收益（稀释后） | $1.98 | $2.34 |
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AFLR
| Q1 26 | $4.3B | $3.1B | ||
| Q4 25 | $4.9B | $3.2B | ||
| Q3 25 | $4.7B | $3.2B | ||
| Q2 25 | $4.2B | $3.2B | ||
| Q1 25 | $3.4B | $3.1B | ||
| Q4 24 | $5.4B | $3.2B | ||
| Q3 24 | $2.9B | $3.2B | ||
| Q2 24 | $5.1B | $3.2B |
净利润AFLR
| Q1 26 | $1.0B | $93.0M | ||
| Q4 25 | $1.4B | $132.0M | ||
| Q3 25 | $1.6B | $138.0M | ||
| Q2 25 | $599.0M | $131.0M | ||
| Q1 25 | $29.0M | $98.0M | ||
| Q4 24 | $1.9B | $135.0M | ||
| Q3 24 | $-93.0M | $142.0M | ||
| Q2 24 | $1.8B | $127.0M |
营业利润率AFLR
| Q1 26 | — | — | ||
| Q4 25 | 32.3% | 5.6% | ||
| Q3 25 | 42.1% | 6.0% | ||
| Q2 25 | 19.8% | 5.8% | ||
| Q1 25 | 4.3% | 4.3% | ||
| Q4 24 | 39.5% | 5.7% | ||
| Q3 24 | 3.1% | 5.9% | ||
| Q2 24 | 39.3% | 5.6% |
净利率AFLR
| Q1 26 | 23.4% | 3.0% | ||
| Q4 25 | 28.3% | 4.2% | ||
| Q3 25 | 34.6% | 4.4% | ||
| Q2 25 | 14.4% | 4.1% | ||
| Q1 25 | 0.9% | 3.1% | ||
| Q4 24 | 35.2% | 4.2% | ||
| Q3 24 | -3.2% | 4.5% | ||
| Q2 24 | 34.2% | 4.0% |
每股收益（稀释后）AFLR
| Q1 26 | $1.98 | $2.34 | ||
| Q4 25 | $2.58 | $3.22 | ||
| Q3 25 | $3.08 | $3.32 | ||
| Q2 25 | $1.11 | $3.13 | ||
| Q1 25 | $0.05 | $2.27 | ||
| Q4 24 | $3.45 | $3.09 | ||
| Q3 24 | $-0.17 | $3.24 | ||
| Q2 24 | $3.10 | $2.84 |
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 | $5.1B | $182.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $30.0B | $2.9B |
| 总资产 | $116.3B | — |
| 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AFLR
| Q1 26 | $5.1B | $182.0M | ||
| Q4 25 | $6.2B | $198.0M | ||
| Q3 25 | $6.8B | $189.0M | ||
| Q2 25 | $7.0B | $180.0M | ||
| Q1 25 | $5.2B | $151.0M | ||
| Q4 24 | $6.2B | $154.0M | ||
| Q3 24 | $5.6B | $162.0M | ||
| Q2 24 | $6.1B | $164.0M |
总债务AFLR
| Q1 26 | — | — | ||
| Q4 25 | — | $6.8B | ||
| Q3 25 | — | $7.3B | ||
| Q2 25 | — | $7.0B | ||
| Q1 25 | — | $6.7B | ||
| Q4 24 | — | $6.7B | ||
| Q3 24 | — | $6.6B | ||
| Q2 24 | — | $6.5B |
股东权益AFLR
| Q1 26 | $30.0B | $2.9B | ||
| Q4 25 | $29.5B | $3.1B | ||
| Q3 25 | $28.7B | $3.1B | ||
| Q2 25 | $27.2B | $3.1B | ||
| Q1 25 | $26.3B | $3.0B | ||
| Q4 24 | $26.1B | $3.1B | ||
| Q3 24 | $24.8B | $3.1B | ||
| Q2 24 | $26.0B | $3.1B |
总资产AFLR
| Q1 26 | $116.3B | — | ||
| Q4 25 | $116.5B | $16.4B | ||
| Q3 25 | $122.3B | $16.5B | ||
| Q2 25 | $124.7B | $16.5B | ||
| Q1 25 | $120.3B | $16.4B | ||
| Q4 24 | $117.6B | $16.7B | ||
| Q3 24 | $128.4B | $16.5B | ||
| Q2 24 | $120.2B | $16.4B |
负债/权益比AFLR
| Q1 26 | — | — | ||
| Q4 25 | — | 2.24× | ||
| Q3 25 | — | 2.35× | ||
| Q2 25 | — | 2.27× | ||
| Q1 25 | — | 2.21× | ||
| Q4 24 | — | 2.14× | ||
| Q3 24 | — | 2.17× | ||
| Q2 24 | — | 2.09× |
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 | — | $583.0M |
| 自由现金流经营现金流 - 资本支出 | — | $273.0M |
| 自由现金流率自由现金流/营收 | — | 8.7% |
| 资本支出强度资本支出/营收 | — | 13.7% |
| 现金转化率经营现金流/净利润 | — | 6.27× |
| 过去12个月自由现金流最近4个季度 | — | $595.0M |
8季度趋势，按日历期对齐
经营现金流AFLR
| Q1 26 | — | $583.0M | ||
| Q4 25 | $315.0M | $749.0M | ||
| Q3 25 | $1.3B | $442.0M | ||
| Q2 25 | $399.0M | $752.0M | ||
| Q1 25 | $589.0M | $651.0M | ||
| Q4 24 | $333.0M | $558.0M | ||
| Q3 24 | $1.3B | $629.0M | ||
| Q2 24 | $255.0M | $552.0M |
自由现金流AFLR
| Q1 26 | — | $273.0M | ||
| Q4 25 | — | $344.0M | ||
| Q3 25 | — | $-85.0M | ||
| Q2 25 | — | $63.0M | ||
| Q1 25 | — | $137.0M | ||
| Q4 24 | — | $-201.0M | ||
| Q3 24 | — | $30.0M | ||
| Q2 24 | — | $-87.0M |
自由现金流率AFLR
| Q1 26 | — | 8.7% | ||
| Q4 25 | — | 10.8% | ||
| Q3 25 | — | -2.7% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 4.4% | ||
| Q4 24 | — | -6.3% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | -2.7% |
资本支出强度AFLR
| Q1 26 | — | 13.7% | ||
| Q4 25 | — | 12.8% | ||
| Q3 25 | — | 16.6% | ||
| Q2 25 | — | 21.6% | ||
| Q1 25 | — | 16.4% | ||
| Q4 24 | — | 23.8% | ||
| Q3 24 | — | 18.9% | ||
| Q2 24 | — | 20.1% |
现金转化率AFLR
| Q1 26 | — | 6.27× | ||
| Q4 25 | 0.23× | 5.67× | ||
| Q3 25 | 0.76× | 3.20× | ||
| Q2 25 | 0.67× | 5.74× | ||
| Q1 25 | 20.31× | 6.64× | ||
| Q4 24 | 0.18× | 4.13× | ||
| Q3 24 | — | 4.43× | ||
| Q2 24 | 0.15× | 4.35× |
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
暂无分部数据
R
| Fleet Management Solutions | $1.5B | 47% |
| ChoiceLease | $878.0M | 28% |
| Dedicated Transportation Solutions | $553.0M | 18% |
| Commercial rental | $211.0M | 7% |
