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Aflac（AFL）与SSR MINING INC.（SSRM）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SSR MINING INC.的9.3倍（$4.9B vs $521.7M）。SSR MINING INC.净利率更高（34.8% vs 28.3%，领先6.4%）。SSR MINING INC.同比增速更快（61.4% vs -10.0%）。过去两年SSR MINING INC.的营收复合增速更高（50.5% 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。
SSR Mining Inc.（前身为白银标准资源公司）总部位于美国科罗拉多州丹佛，主营金、银、铜、铅、锌矿产开采，拥有阿根廷最大的银矿，同时在美洲全境及土耳其开展矿产勘探业务。2020年与阿拉瑟黄金合并后迁至丹佛，现任总裁兼首席执行官为罗德尼·P·安塔尔。
AFL vs SSRM — 直观对比
营收规模更大
AFL
是对方的9.3倍
$521.7M
营收增速更快
SSRM
高出71.4%
-10.0%
净利率更高
SSRM
高出6.4%
28.3%
两年增速更快
SSRM
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $521.7M |
| 净利润 | $1.4B | $181.5M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | 38.8% |
| 净利率 | 28.3% | 34.8% |
| 营收同比 | -10.0% | 61.4% |
| 净利润同比 | -27.5% | 3166.6% |
| 每股收益（稀释后） | $2.58 | $0.84 |
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AFLSSRM
| Q4 25 | $4.9B | $521.7M | ||
| Q3 25 | $4.7B | $385.8M | ||
| Q2 25 | $4.2B | $405.5M | ||
| Q1 25 | $3.4B | $316.6M | ||
| Q4 24 | $5.4B | $323.2M | ||
| Q3 24 | $2.9B | $257.4M | ||
| Q2 24 | $5.1B | $184.8M | ||
| Q1 24 | $5.4B | $230.2M |
净利润AFLSSRM
| Q4 25 | $1.4B | $181.5M | ||
| Q3 25 | $1.6B | $65.4M | ||
| Q2 25 | $599.0M | $90.1M | ||
| Q1 25 | $29.0M | $58.8M | ||
| Q4 24 | $1.9B | $5.6M | ||
| Q3 24 | $-93.0M | $10.6M | ||
| Q2 24 | $1.8B | $9.7M | ||
| Q1 24 | $1.9B | $-287.1M |
营业利润率AFLSSRM
| Q4 25 | 32.3% | 38.8% | ||
| Q3 25 | 42.1% | 21.6% | ||
| Q2 25 | 19.8% | 26.9% | ||
| Q1 25 | 4.3% | 21.1% | ||
| Q4 24 | 39.5% | 10.6% | ||
| Q3 24 | 3.1% | 3.5% | ||
| Q2 24 | 39.3% | 5.8% | ||
| Q1 24 | 39.9% | -163.5% |
净利率AFLSSRM
| Q4 25 | 28.3% | 34.8% | ||
| Q3 25 | 34.6% | 17.0% | ||
| Q2 25 | 14.4% | 22.2% | ||
| Q1 25 | 0.9% | 18.6% | ||
| Q4 24 | 35.2% | 1.7% | ||
| Q3 24 | -3.2% | 4.1% | ||
| Q2 24 | 34.2% | 5.2% | ||
| Q1 24 | 34.6% | -124.7% |
每股收益（稀释后）AFLSSRM
| Q4 25 | $2.58 | $0.84 | ||
| Q3 25 | $3.08 | $0.31 | ||
| Q2 25 | $1.11 | $0.42 | ||
| Q1 25 | $0.05 | $0.28 | ||
| Q4 24 | $3.45 | $0.03 | ||
| Q3 24 | $-0.17 | $0.05 | ||
| Q2 24 | $3.10 | $0.05 | ||
| Q1 24 | $3.25 | $-1.42 |
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 | $575.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $29.5B | $3.5B |
| 总资产 | $116.5B | $6.1B |
| 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AFLSSRM
| Q4 25 | $6.2B | $575.6M | ||
| Q3 25 | $6.8B | $445.4M | ||
| Q2 25 | $7.0B | $438.5M | ||
| Q1 25 | $5.2B | $341.3M | ||
| Q4 24 | $6.2B | $417.3M | ||
| Q3 24 | $5.6B | $365.8M | ||
| Q2 24 | $6.1B | $384.4M | ||
| Q1 24 | $5.1B | $492.0M |
总债务AFLSSRM
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $228.6M | ||
| Q3 24 | — | $228.3M | ||
| Q2 24 | — | $228.0M | ||
| Q1 24 | — | $228.7M |
股东权益AFLSSRM
| Q4 25 | $29.5B | $3.5B | ||
| Q3 25 | $28.7B | $3.3B | ||
| Q2 25 | $27.2B | $3.3B | ||
| Q1 25 | $26.3B | $3.2B | ||
| Q4 24 | $26.1B | $3.1B | ||
| Q3 24 | $24.8B | $3.1B | ||
| Q2 24 | $26.0B | $3.1B | ||
| Q1 24 | $23.5B | $3.1B |
总资产AFLSSRM
| Q4 25 | $116.5B | $6.1B | ||
| Q3 25 | $122.3B | $5.9B | ||
| Q2 25 | $124.7B | $5.8B | ||
| Q1 25 | $120.3B | $5.6B | ||
| Q4 24 | $117.6B | $5.2B | ||
| Q3 24 | $128.4B | $5.1B | ||
| Q2 24 | $120.2B | $5.2B | ||
| Q1 24 | $124.7B | $5.3B |
负债/权益比AFLSSRM
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.07× | ||
| Q3 24 | — | 0.07× | ||
| Q2 24 | — | 0.07× | ||
| Q1 24 | — | 0.07× |
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 | $172.1M |
| 自由现金流经营现金流 - 资本支出 | — | $106.4M |
| 自由现金流率自由现金流/营收 | — | 20.4% |
| 资本支出强度资本支出/营收 | — | 12.6% |
| 现金转化率经营现金流/净利润 | 0.23× | 0.95× |
| 过去12个月自由现金流最近4个季度 | — | $241.6M |
8季度趋势，按日历期对齐
经营现金流AFLSSRM
| Q4 25 | $315.0M | $172.1M | ||
| Q3 25 | $1.3B | $57.2M | ||
| Q2 25 | $399.0M | $157.8M | ||
| Q1 25 | $589.0M | $84.8M | ||
| Q4 24 | $333.0M | $95.0M | ||
| Q3 24 | $1.3B | $-1.3M | ||
| Q2 24 | $255.0M | $-78.1M | ||
| Q1 24 | $849.0M | $24.6M |
自由现金流AFLSSRM
| Q4 25 | — | $106.4M | ||
| Q3 25 | — | $-2.4M | ||
| Q2 25 | — | $98.4M | ||
| Q1 25 | — | $39.3M | ||
| Q4 24 | — | $56.4M | ||
| Q3 24 | — | $-34.1M | ||
| Q2 24 | — | $-116.3M | ||
| Q1 24 | — | $-9.4M |
自由现金流率AFLSSRM
| Q4 25 | — | 20.4% | ||
| Q3 25 | — | -0.6% | ||
| Q2 25 | — | 24.3% | ||
| Q1 25 | — | 12.4% | ||
| Q4 24 | — | 17.5% | ||
| Q3 24 | — | -13.2% | ||
| Q2 24 | — | -62.9% | ||
| Q1 24 | — | -4.1% |
资本支出强度AFLSSRM
| Q4 25 | — | 12.6% | ||
| Q3 25 | — | 15.4% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 14.4% | ||
| Q4 24 | — | 11.9% | ||
| Q3 24 | — | 12.7% | ||
| Q2 24 | — | 20.7% | ||
| Q1 24 | — | 14.8% |
现金转化率AFLSSRM
| Q4 25 | 0.23× | 0.95× | ||
| Q3 25 | 0.76× | 0.87× | ||
| Q2 25 | 0.67× | 1.75× | ||
| Q1 25 | 20.31× | 1.44× | ||
| Q4 24 | 0.18× | 17.10× | ||
| Q3 24 | — | -0.13× | ||
| Q2 24 | 0.15× | -8.06× | ||
| Q1 24 | 0.45× | — |
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% |
SSRM
| Gold | $369.3M | 71% |
| Concentrate Sales | $124.4M | 24% |
| Other | $19.1M | 4% |
| Lead | $9.0M | 2% |
