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Aflac（AFL）与Ross Stores（ROST）财务数据对比。点击上方公司名可切换其他公司
Ross Stores的季度营收约是Aflac的1.3倍（$5.6B vs $4.3B），Aflac净利率更高（23.4% vs 9.1%，领先14.3%），Aflac同比增速更快（27.9% vs 10.4%），过去两年Ross Stores的营收复合增速更高（-3.6% 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。
Ross Stores, Inc.是美国知名折扣百货连锁集团，旗下核心品牌为Ross Dress for Less，总部位于加利福尼亚州都柏林，是美国规模最大的平价零售商。截至2024年7月，集团在全美43个州、华盛顿特区、波多黎各及关岛共运营1795家门店，暂未覆盖新英格兰地区及阿拉斯加，另拥有门店数超353家的折扣零售品牌DD's Discounts。
AFL vs ROST — 直观对比
营收规模更大
ROST
是对方的1.3倍
$4.3B
营收增速更快
AFL
高出17.5%
10.4%
净利率更高
AFL
高出14.3%
9.1%
两年增速更快
ROST
近两年复合增速
-8.0%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $4.3B | $5.6B |
| 净利润 | $1.0B | $511.9M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | 11.6% |
| 净利率 | 23.4% | 9.1% |
| 营收同比 | 27.9% | 10.4% |
| 净利润同比 | — | 4.7% |
| 每股收益（稀释后） | $1.98 | $1.58 |
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AFLROST
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.9B | $5.6B | ||
| Q3 25 | $4.7B | $5.5B | ||
| Q2 25 | $4.2B | $5.0B | ||
| Q1 25 | $3.4B | $5.9B | ||
| Q4 24 | $5.4B | $5.1B | ||
| Q3 24 | $2.9B | $5.3B | ||
| Q2 24 | $5.1B | $4.9B |
净利润AFLROST
| Q1 26 | $1.0B | — | ||
| Q4 25 | $1.4B | $511.9M | ||
| Q3 25 | $1.6B | $508.0M | ||
| Q2 25 | $599.0M | $479.2M | ||
| Q1 25 | $29.0M | $586.8M | ||
| Q4 24 | $1.9B | $488.8M | ||
| Q3 24 | $-93.0M | $527.1M | ||
| Q2 24 | $1.8B | $488.0M |
毛利率AFLROST
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 27.6% | ||
| Q2 25 | — | 28.2% | ||
| Q1 25 | — | 26.5% | ||
| Q4 24 | — | 28.3% | ||
| Q3 24 | — | 28.3% | ||
| Q2 24 | — | 28.1% |
营业利润率AFLROST
| Q1 26 | — | — | ||
| Q4 25 | 32.3% | 11.6% | ||
| Q3 25 | 42.1% | 11.5% | ||
| Q2 25 | 19.8% | 12.2% | ||
| Q1 25 | 4.3% | 12.4% | ||
| Q4 24 | 39.5% | 11.9% | ||
| Q3 24 | 3.1% | 12.5% | ||
| Q2 24 | 39.3% | 12.2% |
净利率AFLROST
| Q1 26 | 23.4% | — | ||
| Q4 25 | 28.3% | 9.1% | ||
| Q3 25 | 34.6% | 9.2% | ||
| Q2 25 | 14.4% | 9.6% | ||
| Q1 25 | 0.9% | 9.9% | ||
| Q4 24 | 35.2% | 9.6% | ||
| Q3 24 | -3.2% | 10.0% | ||
| Q2 24 | 34.2% | 10.0% |
每股收益（稀释后）AFLROST
| Q1 26 | $1.98 | — | ||
| Q4 25 | $2.58 | $1.58 | ||
| Q3 25 | $3.08 | $1.56 | ||
| Q2 25 | $1.11 | $1.47 | ||
| Q1 25 | $0.05 | $1.79 | ||
| Q4 24 | $3.45 | $1.48 | ||
| Q3 24 | $-0.17 | $1.59 | ||
| Q2 24 | $3.10 | $1.46 |
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 | $4.1B |
| 总债务越低越好 | — | $1.5B |
| 股东权益账面价值 | $30.0B | $5.9B |
| 总资产 | $116.3B | $15.4B |
| 负债/权益比越低杠杆越低 | — | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资AFLROST
| Q1 26 | $5.1B | — | ||
| Q4 25 | $6.2B | $4.1B | ||
| Q3 25 | $6.8B | $3.8B | ||
| Q2 25 | $7.0B | $3.8B | ||
| Q1 25 | $5.2B | $4.7B | ||
| Q4 24 | $6.2B | $4.3B | ||
| Q3 24 | $5.6B | $4.7B | ||
| Q2 24 | $6.1B | $4.7B |
总债务AFLROST
| Q1 26 | — | — | ||
| Q4 25 | — | $1.5B | ||
| Q3 25 | — | $1.5B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $2.2B | ||
| Q4 24 | — | $2.2B | ||
| Q3 24 | — | $2.5B | ||
| Q2 24 | — | $2.5B |
股东权益AFLROST
| Q1 26 | $30.0B | — | ||
| Q4 25 | $29.5B | $5.9B | ||
| Q3 25 | $28.7B | $5.7B | ||
| Q2 25 | $27.2B | $5.6B | ||
| Q1 25 | $26.3B | $5.5B | ||
| Q4 24 | $26.1B | $5.3B | ||
| Q3 24 | $24.8B | $5.1B | ||
| Q2 24 | $26.0B | $4.9B |
总资产AFLROST
| Q1 26 | $116.3B | — | ||
| Q4 25 | $116.5B | $15.4B | ||
| Q3 25 | $122.3B | $14.5B | ||
| Q2 25 | $124.7B | $14.3B | ||
| Q1 25 | $120.3B | $14.9B | ||
| Q4 24 | $117.6B | $14.9B | ||
| Q3 24 | $128.4B | $14.7B | ||
| Q2 24 | $120.2B | $14.5B |
负债/权益比AFLROST
| Q1 26 | — | — | ||
| Q4 25 | — | 0.26× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.27× | ||
| Q1 25 | — | 0.40× | ||
| Q4 24 | — | 0.42× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.50× |
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 | — | $827.1M |
| 自由现金流经营现金流 - 资本支出 | — | $617.8M |
| 自由现金流率自由现金流/营收 | — | 11.0% |
| 资本支出强度资本支出/营收 | — | 3.7% |
| 现金转化率经营现金流/净利润 | — | 1.62× |
| 过去12个月自由现金流最近4个季度 | — | $2.0B |
8季度趋势，按日历期对齐
经营现金流AFLROST
| Q1 26 | — | — | ||
| Q4 25 | $315.0M | $827.1M | ||
| Q3 25 | $1.3B | $668.4M | ||
| Q2 25 | $399.0M | $409.7M | ||
| Q1 25 | $589.0M | $882.6M | ||
| Q4 24 | $333.0M | $513.4M | ||
| Q3 24 | $1.3B | $592.1M | ||
| Q2 24 | $255.0M | $368.9M |
自由现金流AFLROST
| Q1 26 | — | — | ||
| Q4 25 | — | $617.8M | ||
| Q3 25 | — | $466.6M | ||
| Q2 25 | — | $202.3M | ||
| Q1 25 | — | $676.6M | ||
| Q4 24 | — | $333.0M | ||
| Q3 24 | — | $394.6M | ||
| Q2 24 | — | $232.7M |
自由现金流率AFLROST
| Q1 26 | — | — | ||
| Q4 25 | — | 11.0% | ||
| Q3 25 | — | 8.4% | ||
| Q2 25 | — | 4.1% | ||
| Q1 25 | — | 11.4% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | — | 7.5% | ||
| Q2 24 | — | 4.8% |
资本支出强度AFLROST
| Q1 26 | — | — | ||
| Q4 25 | — | 3.7% | ||
| Q3 25 | — | 3.6% | ||
| Q2 25 | — | 4.2% | ||
| Q1 25 | — | 3.5% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 3.7% | ||
| Q2 24 | — | 2.8% |
现金转化率AFLROST
| Q1 26 | — | — | ||
| Q4 25 | 0.23× | 1.62× | ||
| Q3 25 | 0.76× | 1.32× | ||
| Q2 25 | 0.67× | 0.85× | ||
| Q1 25 | 20.31× | 1.50× | ||
| Q4 24 | 0.18× | 1.05× | ||
| Q3 24 | — | 1.12× | ||
| Q2 24 | 0.15× | 0.76× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
