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Erie Indemnity（ERIE）与Globe Life（GL）财务数据对比。点击上方公司名可切换其他公司
Globe Life的季度营收约是Erie Indemnity的1.5倍（$1.6B vs $1.0B），Globe Life净利率更高（17.3% vs 14.9%，领先2.5%），Globe Life同比增速更快（5.3% vs 2.3%），过去两年Globe Life的营收复合增速更高（4.1% vs 1.1%）
总部位于美国宾夕法尼亚州伊利市的伊利保险集团是财产及意外伤害保险提供商，通过独立保险代理人网络销售车险、家财险、商业保险及人寿保险产品。2021年，该集团以2020财年总营收跻身当年美国财富500强榜单第347位。
Globe Life Inc.（股票代码：GL）是总部位于美国得克萨斯州麦金尼的金融服务控股公司，在纽约证券交易所上市，通过旗下全资子公司开展业务，主营人寿保险、年金产品及补充健康保险产品。
ERIE vs GL — 直观对比
营收规模更大
GL
是对方的1.5倍
$1.0B
营收增速更快
GL
高出3.1%
2.3%
净利率更高
GL
高出2.5%
14.9%
两年增速更快
GL
近两年复合增速
1.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.0B | $1.6B |
| 净利润 | $150.5M | $270.5M |
| 毛利率 | — | — |
| 营业利润率 | 16.5% | — |
| 净利率 | 14.9% | 17.3% |
| 营收同比 | 2.3% | 5.3% |
| 净利润同比 | 8.7% | 6.3% |
| 每股收益（稀释后） | — | $3.39 |
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ERIEGL
| Q1 26 | $1.0B | $1.6B | ||
| Q4 25 | $951.0M | $1.5B | ||
| Q3 25 | $1.1B | $1.5B | ||
| Q2 25 | $1.1B | $1.5B | ||
| Q1 25 | $989.4M | $1.5B | ||
| Q4 24 | $924.1M | $1.5B | ||
| Q3 24 | $999.9M | $1.5B | ||
| Q2 24 | $990.4M | $1.4B |
净利润ERIEGL
| Q1 26 | $150.5M | $270.5M | ||
| Q4 25 | $63.4M | $266.1M | ||
| Q3 25 | $182.9M | $387.8M | ||
| Q2 25 | $174.7M | $252.7M | ||
| Q1 25 | $138.4M | $254.6M | ||
| Q4 24 | $152.0M | $255.2M | ||
| Q3 24 | $159.8M | $303.0M | ||
| Q2 24 | $163.9M | $258.4M |
毛利率ERIEGL
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 26.1% | ||
| Q2 24 | — | 23.3% |
营业利润率ERIEGL
| Q1 26 | 16.5% | — | ||
| Q4 25 | 16.6% | 21.7% | ||
| Q3 25 | 19.6% | 31.5% | ||
| Q2 25 | 18.8% | 21.2% | ||
| Q1 25 | 15.3% | 21.4% | ||
| Q4 24 | 18.1% | 21.3% | ||
| Q3 24 | 18.0% | 26.3% | ||
| Q2 24 | 19.2% | 23.5% |
净利率ERIEGL
| Q1 26 | 14.9% | 17.3% | ||
| Q4 25 | 6.7% | 17.5% | ||
| Q3 25 | 17.1% | 25.6% | ||
| Q2 25 | 16.5% | 17.1% | ||
| Q1 25 | 14.0% | 17.2% | ||
| Q4 24 | 16.5% | 17.4% | ||
| Q3 24 | 16.0% | 20.8% | ||
| Q2 24 | 16.5% | 17.9% |
每股收益（稀释后）ERIEGL
| Q1 26 | — | $3.39 | ||
| Q4 25 | — | $3.28 | ||
| Q3 25 | — | $4.73 | ||
| Q2 25 | — | $3.05 | ||
| Q1 25 | — | $3.01 | ||
| Q4 24 | — | $3.00 | ||
| Q3 24 | — | $3.44 | ||
| Q2 24 | — | $2.83 |
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 | — | $183.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.4B | $6.1B |
| 总资产 | $3.4B | — |
| 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ERIEGL
| Q1 26 | — | $183.8M | ||
| Q4 25 | — | $314.7M | ||
| Q3 25 | — | $62.8M | ||
| Q2 25 | — | $116.7M | ||
| Q1 25 | — | $134.1M | ||
| Q4 24 | — | $85.0M | ||
| Q3 24 | — | $100.5M | ||
| Q2 24 | — | $100.6M |
股东权益ERIEGL
| Q1 26 | $2.4B | $6.1B | ||
| Q4 25 | $2.3B | $6.0B | ||
| Q3 25 | $2.3B | $5.7B | ||
| Q2 25 | $2.2B | $5.4B | ||
| Q1 25 | $2.1B | $5.4B | ||
| Q4 24 | $2.0B | $5.3B | ||
| Q3 24 | $1.9B | $4.6B | ||
| Q2 24 | $1.8B | $5.2B |
总资产ERIEGL
| Q1 26 | $3.4B | — | ||
| Q4 25 | $3.4B | $30.8B | ||
| Q3 25 | $3.3B | $30.5B | ||
| Q2 25 | $3.1B | $29.8B | ||
| Q1 25 | $3.0B | $29.7B | ||
| Q4 24 | $2.9B | $29.1B | ||
| Q3 24 | $2.9B | $29.6B | ||
| Q2 24 | $2.7B | $28.3B |
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
ERIE
| Management fee revenue - policy issuance and renewal services | $786.4M | 78% |
| Administrative services reimbursement revenue | $200.1M | 20% |
| Management fee revenue - administrative services | $19.5M | 2% |
| Service agreement revenue | $5.9M | 1% |
GL
| Life premium | $853.2M | 55% |
| Health premium | $416.9M | 27% |
| Other | $289.5M | 19% |
