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Aflac（AFL）与Usio, Inc.（USIO）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Usio, Inc.的218.8倍（$4.9B vs $22.2M）。Aflac净利率更高（28.3% vs -6.7%，领先35.1%）。Usio, Inc.同比增速更快（8.2% vs -10.0%）。过去两年Usio, Inc.的营收复合增速更高（3.0% 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。
Usio, Inc.是总部位于美国得克萨斯州圣安东尼奥的金融科技企业，主打综合电子支付服务，业务涵盖ACH交易处理、信用卡与借记卡收单、为软件平台提供支付便利、预付卡发行，同时还经营文件打印邮寄业务。
AFL vs USIO — 直观对比
营收规模更大
AFL
是对方的218.8倍
$22.2M
营收增速更快
USIO
高出18.1%
-10.0%
净利率更高
AFL
高出35.1%
-6.7%
两年增速更快
USIO
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $22.2M |
| 净利润 | $1.4B | $-1.5M |
| 毛利率 | — | 21.9% |
| 营业利润率 | 32.3% | -5.7% |
| 净利率 | 28.3% | -6.7% |
| 营收同比 | -10.0% | 8.2% |
| 净利润同比 | -27.5% | -337.8% |
| 每股收益（稀释后） | $2.58 | $-0.05 |
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AFLUSIO
| Q4 25 | $4.9B | $22.2M | ||
| Q3 25 | $4.7B | $21.2M | ||
| Q2 25 | $4.2B | $20.0M | ||
| Q1 25 | $3.4B | $22.0M | ||
| Q4 24 | $5.4B | $20.6M | ||
| Q3 24 | $2.9B | $21.3M | ||
| Q2 24 | $5.1B | $20.1M | ||
| Q1 24 | $5.4B | $21.0M |
净利润AFLUSIO
| Q4 25 | $1.4B | $-1.5M | ||
| Q3 25 | $1.6B | $-415.1K | ||
| Q2 25 | $599.0M | $-366.7K | ||
| Q1 25 | $29.0M | $-235.0K | ||
| Q4 24 | $1.9B | $628.9K | ||
| Q3 24 | $-93.0M | $2.9M | ||
| Q2 24 | $1.8B | $75.5K | ||
| Q1 24 | $1.9B | $-250.2K |
毛利率AFLUSIO
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 23.0% | ||
| Q2 25 | — | 25.8% | ||
| Q1 25 | — | 21.9% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 23.0% | ||
| Q2 24 | — | 23.9% | ||
| Q1 24 | — | 23.1% |
营业利润率AFLUSIO
| Q4 25 | 32.3% | -5.7% | ||
| Q3 25 | 42.1% | -2.2% | ||
| Q2 25 | 19.8% | -2.0% | ||
| Q1 25 | 4.3% | -1.1% | ||
| Q4 24 | 39.5% | -2.9% | ||
| Q3 24 | 3.1% | -1.8% | ||
| Q2 24 | 39.3% | -1.0% | ||
| Q1 24 | 39.9% | -1.3% |
净利率AFLUSIO
| Q4 25 | 28.3% | -6.7% | ||
| Q3 25 | 34.6% | -2.0% | ||
| Q2 25 | 14.4% | -1.8% | ||
| Q1 25 | 0.9% | -1.1% | ||
| Q4 24 | 35.2% | 3.1% | ||
| Q3 24 | -3.2% | 13.4% | ||
| Q2 24 | 34.2% | 0.4% | ||
| Q1 24 | 34.6% | -1.2% |
每股收益（稀释后）AFLUSIO
| Q4 25 | $2.58 | $-0.05 | ||
| Q3 25 | $3.08 | $-0.02 | ||
| Q2 25 | $1.11 | $-0.01 | ||
| Q1 25 | $0.05 | $-0.01 | ||
| Q4 24 | $3.45 | $0.03 | ||
| Q3 24 | $-0.17 | $0.10 | ||
| Q2 24 | $3.10 | $0.00 | ||
| Q1 24 | $3.25 | $-0.01 |
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 | $7.4M |
| 总债务越低越好 | — | $1.4M |
| 股东权益账面价值 | $29.5B | $17.9M |
| 总资产 | $116.5B | $134.9M |
| 负债/权益比越低杠杆越低 | — | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资AFLUSIO
| Q4 25 | $6.2B | $7.4M | ||
| Q3 25 | $6.8B | $7.7M | ||
| Q2 25 | $7.0B | $8.1M | ||
| Q1 25 | $5.2B | $8.7M | ||
| Q4 24 | $6.2B | $8.1M | ||
| Q3 24 | $5.6B | $8.4M | ||
| Q2 24 | $6.1B | $7.2M | ||
| Q1 24 | $5.1B | $7.1M |
总债务AFLUSIO
| Q4 25 | — | $1.4M | ||
| Q3 25 | — | $836.7K | ||
| Q2 25 | — | $647.1K | ||
| Q1 25 | — | $683.3K | ||
| Q4 24 | — | $719.4K | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AFLUSIO
| Q4 25 | $29.5B | $17.9M | ||
| Q3 25 | $28.7B | $18.7M | ||
| Q2 25 | $27.2B | $18.7M | ||
| Q1 25 | $26.3B | $19.0M | ||
| Q4 24 | $26.1B | $19.2M | ||
| Q3 24 | $24.8B | $18.9M | ||
| Q2 24 | $26.0B | $15.7M | ||
| Q1 24 | $23.5B | $15.3M |
总资产AFLUSIO
| Q4 25 | $116.5B | $134.9M | ||
| Q3 25 | $122.3B | $99.4M | ||
| Q2 25 | $124.7B | $108.4M | ||
| Q1 25 | $120.3B | $109.6M | ||
| Q4 24 | $117.6B | $107.2M | ||
| Q3 24 | $128.4B | $114.6M | ||
| Q2 24 | $120.2B | $108.8M | ||
| Q1 24 | $124.7B | $99.1M |
负债/权益比AFLUSIO
| Q4 25 | — | 0.08× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.04× | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $99.6K |
| 自由现金流经营现金流 - 资本支出 | — | $-42.8K |
| 自由现金流率自由现金流/营收 | — | -0.2% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 现金转化率经营现金流/净利润 | 0.23× | — |
| 过去12个月自由现金流最近4个季度 | — | $600.1K |
8季度趋势，按日历期对齐
经营现金流AFLUSIO
| Q4 25 | $315.0M | $99.6K | ||
| Q3 25 | $1.3B | $303.8K | ||
| Q2 25 | $399.0M | $-263.9K | ||
| Q1 25 | $589.0M | $1.4M | ||
| Q4 24 | $333.0M | $1.0M | ||
| Q3 24 | $1.3B | $1.4M | ||
| Q2 24 | $255.0M | $369.1K | ||
| Q1 24 | $849.0M | $88.7K |
自由现金流AFLUSIO
| Q4 25 | — | $-42.8K | ||
| Q3 25 | — | $85.2K | ||
| Q2 25 | — | $-503.2K | ||
| Q1 25 | — | $1.1M | ||
| Q4 24 | — | $931.7K | ||
| Q3 24 | — | $1.4M | ||
| Q2 24 | — | $246.3K | ||
| Q1 24 | — | $-88.1K |
自由现金流率AFLUSIO
| Q4 25 | — | -0.2% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | -2.5% | ||
| Q1 25 | — | 4.8% | ||
| Q4 24 | — | 4.5% | ||
| Q3 24 | — | 6.4% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | -0.4% |
资本支出强度AFLUSIO
| Q4 25 | — | 0.6% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 0.8% |
现金转化率AFLUSIO
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.67× | — | ||
| Q1 25 | 20.31× | — | ||
| Q4 24 | 0.18× | 1.60× | ||
| Q3 24 | — | 0.50× | ||
| Q2 24 | 0.15× | 4.89× | ||
| 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% |
USIO
| Credit Card Revenue | $7.7M | 35% |
| ACH And Complementary Service Revenue | $6.1M | 28% |
| Output Solutions | $5.4M | 24% |
| Prepaid Card Services Revenue | $2.6M | 12% |
