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Aflac（AFL）与Rocket Companies, Inc.（RKT）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Rocket Companies, Inc.的1.8倍（$4.9B vs $2.7B）。Aflac净利率更高（28.3% vs 2.5%，领先25.8%）。Rocket Companies, Inc.同比增速更快（52.2% vs -10.0%）。过去两年Rocket Companies, Inc.的营收复合增速更高（39.5% 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。
Rocket Companies, Inc.是美国金融科技及住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。公司依托旗舰子公司Rocket Mortgage跻身美国最大抵押贷款提供商行列，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
AFL vs RKT — 直观对比
营收规模更大
AFL
是对方的1.8倍
$2.7B
营收增速更快
RKT
高出62.1%
-10.0%
净利率更高
AFL
高出25.8%
2.5%
两年增速更快
RKT
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $2.7B |
| 净利润 | $1.4B | $68.0M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | 6.3% |
| 净利率 | 28.3% | 2.5% |
| 营收同比 | -10.0% | 52.2% |
| 净利润同比 | -27.5% | 100.8% |
| 每股收益（稀释后） | $2.58 | $0.10 |
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AFLRKT
| Q4 25 | $4.9B | $2.7B | ||
| Q3 25 | $4.7B | $1.6B | ||
| Q2 25 | $4.2B | $1.4B | ||
| Q1 25 | $3.4B | $1.0B | ||
| Q4 24 | $5.4B | $1.8B | ||
| Q3 24 | $2.9B | $646.9M | ||
| Q2 24 | $5.1B | $1.3B | ||
| Q1 24 | $5.4B | $1.4B |
净利润AFLRKT
| Q4 25 | $1.4B | $68.0M | ||
| Q3 25 | $1.6B | $-123.9M | ||
| Q2 25 | $599.0M | $-1.8M | ||
| Q1 25 | $29.0M | $-10.4M | ||
| Q4 24 | $1.9B | $33.9M | ||
| Q3 24 | $-93.0M | $-22.0M | ||
| Q2 24 | $1.8B | $1.3M | ||
| Q1 24 | $1.9B | $16.2M |
毛利率AFLRKT
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 58.9% | ||
| Q3 24 | — | -8.4% | ||
| Q2 24 | — | 47.4% | ||
| Q1 24 | — | 51.2% |
营业利润率AFLRKT
| Q4 25 | 32.3% | 6.3% | ||
| Q3 25 | 42.1% | -11.5% | ||
| Q2 25 | 19.8% | 1.8% | ||
| Q1 25 | 4.3% | -21.5% | ||
| Q4 24 | 39.5% | 38.1% | ||
| Q3 24 | 3.1% | -76.9% | ||
| Q2 24 | 39.3% | 14.8% | ||
| Q1 24 | 39.9% | 21.6% |
净利率AFLRKT
| Q4 25 | 28.3% | 2.5% | ||
| Q3 25 | 34.6% | -7.7% | ||
| Q2 25 | 14.4% | -0.1% | ||
| Q1 25 | 0.9% | -1.0% | ||
| Q4 24 | 35.2% | 1.9% | ||
| Q3 24 | -3.2% | -3.4% | ||
| Q2 24 | 34.2% | 0.1% | ||
| Q1 24 | 34.6% | 1.2% |
每股收益（稀释后）AFLRKT
| Q4 25 | $2.58 | $0.10 | ||
| Q3 25 | $3.08 | $-0.06 | ||
| Q2 25 | $1.11 | $-0.01 | ||
| Q1 25 | $0.05 | $-0.08 | ||
| Q4 24 | $3.45 | $0.28 | ||
| Q3 24 | $-0.17 | $-0.19 | ||
| Q2 24 | $3.10 | $0.01 | ||
| Q1 24 | $3.25 | $0.11 |
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 | $2.7B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $29.5B | $22.9B |
| 总资产 | $116.5B | $60.7B |
| 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AFLRKT
| Q4 25 | $6.2B | $2.7B | ||
| Q3 25 | $6.8B | $5.8B | ||
| Q2 25 | $7.0B | $5.1B | ||
| Q1 25 | $5.2B | $1.4B | ||
| Q4 24 | $6.2B | $1.3B | ||
| Q3 24 | $5.6B | $1.2B | ||
| Q2 24 | $6.1B | $1.3B | ||
| Q1 24 | $5.1B | $861.4M |
股东权益AFLRKT
| Q4 25 | $29.5B | $22.9B | ||
| Q3 25 | $28.7B | $8.9B | ||
| Q2 25 | $27.2B | $7.4B | ||
| Q1 25 | $26.3B | $8.6B | ||
| Q4 24 | $26.1B | $9.0B | ||
| Q3 24 | $24.8B | $8.4B | ||
| Q2 24 | $26.0B | $8.8B | ||
| Q1 24 | $23.5B | $8.6B |
总资产AFLRKT
| Q4 25 | $116.5B | $60.7B | ||
| Q3 25 | $122.3B | $33.6B | ||
| Q2 25 | $124.7B | $30.4B | ||
| Q1 25 | $120.3B | $25.3B | ||
| Q4 24 | $117.6B | $24.5B | ||
| Q3 24 | $128.4B | $25.1B | ||
| Q2 24 | $120.2B | $23.6B | ||
| Q1 24 | $124.7B | $22.2B |
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 | $-1.2B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.3B |
| 自由现金流率自由现金流/营收 | — | -47.2% |
| 资本支出强度资本支出/营收 | — | 1.5% |
| 现金转化率经营现金流/净利润 | 0.23× | -18.08× |
| 过去12个月自由现金流最近4个季度 | — | $-4.0B |
8季度趋势，按日历期对齐
经营现金流AFLRKT
| Q4 25 | $315.0M | $-1.2B | ||
| Q3 25 | $1.3B | $-50.3M | ||
| Q2 25 | $399.0M | $-1.9B | ||
| Q1 25 | $589.0M | $-797.0M | ||
| Q4 24 | $333.0M | $1.8B | ||
| Q3 24 | $1.3B | $-1.3B | ||
| Q2 24 | $255.0M | $-122.3M | ||
| Q1 24 | $849.0M | $-3.0B |
自由现金流AFLRKT
| Q4 25 | — | $-1.3B | ||
| Q3 25 | — | $-71.8M | ||
| Q2 25 | — | $-1.9B | ||
| Q1 25 | — | $-811.0M | ||
| Q4 24 | — | $1.8B | ||
| Q3 24 | — | $-1.4B | ||
| Q2 24 | — | $-138.3M | ||
| Q1 24 | — | $-3.0B |
自由现金流率AFLRKT
| Q4 25 | — | -47.2% | ||
| Q3 25 | — | -4.5% | ||
| Q2 25 | — | -137.2% | ||
| Q1 25 | — | -78.2% | ||
| Q4 24 | — | 103.1% | ||
| Q3 24 | — | -209.6% | ||
| Q2 24 | — | -10.6% | ||
| Q1 24 | — | -218.7% |
资本支出强度AFLRKT
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 2.9% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.0% |
现金转化率AFLRKT
| Q4 25 | 0.23× | -18.08× | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.67× | — | ||
| Q1 25 | 20.31× | — | ||
| Q4 24 | 0.18× | 54.42× | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.15× | -94.46× | ||
| Q1 24 | 0.45× | -185.80× |
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% |
RKT
| Other | $1.4B | 51% |
| Direct To Customer Segment | $945.8M | 35% |
| Partner Network Segment | $216.7M | 8% |
| Subscription Revenue | $91.3M | 3% |
| Closing Fees | $47.1M | 2% |
| Appraisal Revenue | $10.7M | 0% |
