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F&G Annuities & Life, Inc.（FG）与GENWORTH FINANCIAL INC（GNW）财务数据对比。点击上方公司名可切换其他公司
GENWORTH FINANCIAL INC的季度营收约是F&G Annuities & Life, Inc.的1.0倍（$1.8B vs $1.8B）。F&G Annuities & Life, Inc.净利率更高（7.3% vs 0.1%，领先7.1%）。F&G Annuities & Life, Inc.同比增速更快（13.2% vs 0.1%）。过去两年F&G Annuities & Life, Inc.的营收复合增速更高（6.1% vs -2.2%）
F&G年金人寿保险公司是一家总部位于美国爱荷华州得梅因的上市企业，成立于1959年，核心业务涵盖年金产品、人寿保险及养老金收购服务，长期为客户提供多元化的风险保障与养老财务解决方案。
Genworth Financial是总部位于美国弗吉尼亚州里士满的金融服务企业，核心业务涵盖人寿保险、长期护理保险、按揭保险以及年金产品，为客户提供多元风险管理与财富保障解决方案。
FG vs GNW — 直观对比
营收规模更大
GNW
是对方的1.0倍
$1.8B
营收增速更快
FG
高出13.1%
0.1%
净利率更高
FG
高出7.1%
0.1%
两年增速更快
FG
近两年复合增速
-2.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $1.8B |
| 净利润 | $128.0M | $2.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 1.0% |
| 净利率 | 7.3% | 0.1% |
| 营收同比 | 13.2% | 0.1% |
| 净利润同比 | -60.9% | 300.0% |
| 每股收益（稀释后） | $0.97 | $0.01 |
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FGGNW
| Q4 25 | $1.8B | $1.8B | ||
| Q3 25 | $1.7B | $1.9B | ||
| Q2 25 | $1.4B | $1.8B | ||
| Q1 25 | $908.0M | $1.8B | ||
| Q4 24 | $1.6B | $1.8B | ||
| Q3 24 | $1.4B | $1.9B | ||
| Q2 24 | $1.2B | $1.8B | ||
| Q1 24 | $1.6B | $1.9B |
净利润FGGNW
| Q4 25 | $128.0M | $2.0M | ||
| Q3 25 | $118.0M | $116.0M | ||
| Q2 25 | $40.0M | $51.0M | ||
| Q1 25 | $-21.0M | $54.0M | ||
| Q4 24 | $327.0M | $-1.0M | ||
| Q3 24 | $-6.0M | $85.0M | ||
| Q2 24 | $203.0M | $76.0M | ||
| Q1 24 | $115.0M | $139.0M |
营业利润率FGGNW
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 8.5% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | 2.9% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 7.1% | ||
| Q1 24 | — | 4.6% |
净利率FGGNW
| Q4 25 | 7.3% | 0.1% | ||
| Q3 25 | 7.0% | 6.0% | ||
| Q2 25 | 2.9% | 2.8% | ||
| Q1 25 | -2.3% | 3.0% | ||
| Q4 24 | 21.0% | -0.1% | ||
| Q3 24 | -0.4% | 4.5% | ||
| Q2 24 | 17.3% | 4.3% | ||
| Q1 24 | 7.3% | 7.5% |
每股收益（稀释后）FGGNW
| Q4 25 | $0.97 | $0.01 | ||
| Q3 25 | $0.85 | $0.28 | ||
| Q2 25 | $0.26 | $0.12 | ||
| Q1 25 | $-0.20 | $0.13 | ||
| Q4 24 | $2.53 | $0.01 | ||
| Q3 24 | $-0.08 | $0.19 | ||
| Q2 24 | $1.55 | $0.17 | ||
| Q1 24 | $0.88 | $0.31 |
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 | $1.5B | — |
| 总债务越低越好 | $2.2B | $1.5B |
| 股东权益账面价值 | $4.8B | $8.8B |
| 总资产 | $98.4B | $88.1B |
| 负债/权益比越低杠杆越低 | 0.47× | 0.17× |
8季度趋势，按日历期对齐
现金及短期投资FGGNW
| Q4 25 | $1.5B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.9B | — | ||
| Q1 25 | $3.3B | — | ||
| Q4 24 | $2.3B | — | ||
| Q3 24 | $3.5B | — | ||
| Q2 24 | $3.5B | — | ||
| Q1 24 | $2.4B | — |
总债务FGGNW
| Q4 25 | $2.2B | $1.5B | ||
| Q3 25 | $2.2B | $1.5B | ||
| Q2 25 | $2.2B | $1.5B | ||
| Q1 25 | $2.2B | $1.5B | ||
| Q4 24 | $2.2B | $1.5B | ||
| Q3 24 | $2.0B | $1.5B | ||
| Q2 24 | $2.0B | $1.6B | ||
| Q1 24 | $1.7B | $1.6B |
股东权益FGGNW
| Q4 25 | $4.8B | $8.8B | ||
| Q3 25 | $4.8B | $8.8B | ||
| Q2 25 | $4.4B | $8.8B | ||
| Q1 25 | $4.4B | $8.7B | ||
| Q4 24 | $4.0B | $8.5B | ||
| Q3 24 | $4.3B | $8.3B | ||
| Q2 24 | $3.7B | $8.5B | ||
| Q1 24 | $3.5B | $8.0B |
总资产FGGNW
| Q4 25 | $98.4B | $88.1B | ||
| Q3 25 | $96.1B | $88.5B | ||
| Q2 25 | $91.8B | $87.3B | ||
| Q1 25 | $88.0B | $87.3B | ||
| Q4 24 | $85.0B | $86.9B | ||
| Q3 24 | $84.1B | $90.8B | ||
| Q2 24 | $78.5B | $87.5B | ||
| Q1 24 | $74.4B | $89.2B |
负债/权益比FGGNW
| Q4 25 | 0.47× | 0.17× | ||
| Q3 25 | 0.46× | 0.17× | ||
| Q2 25 | 0.50× | 0.17× | ||
| Q1 25 | 0.51× | 0.17× | ||
| Q4 24 | 0.55× | 0.18× | ||
| Q3 24 | 0.47× | 0.19× | ||
| Q2 24 | 0.56× | 0.18× | ||
| Q1 24 | 0.49× | 0.20× |
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 | $1.2B | $200.0M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 9.13× | 100.00× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流FGGNW
| Q4 25 | $1.2B | $200.0M | ||
| Q3 25 | $937.0M | $87.0M | ||
| Q2 25 | $1.6B | $6.0M | ||
| Q1 25 | $956.0M | $34.0M | ||
| Q4 24 | $1.3B | $27.0M | ||
| Q3 24 | $2.1B | $161.0M | ||
| Q2 24 | $1.1B | $7.0M | ||
| Q1 24 | $1.5B | $-107.0M |
现金转化率FGGNW
| Q4 25 | 9.13× | 100.00× | ||
| Q3 25 | 7.94× | 0.75× | ||
| Q2 25 | 40.50× | 0.12× | ||
| Q1 25 | — | 0.63× | ||
| Q4 24 | 4.04× | — | ||
| Q3 24 | — | 1.89× | ||
| Q2 24 | 5.20× | 0.09× | ||
| Q1 24 | 13.34× | -0.77× |
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
FG
| Reportable Segment | $1.0B | 57% |
| Other | $728.0M | 41% |
| Roar Joint Venture LLC | $24.0M | 1% |
GNW
| Enact Segment | $1.3B | 70% |
| Other | $386.0M | 22% |
| Annuities | $106.0M | 6% |
| Utilities | $20.0M | 1% |
| Consumer Cyclical | $17.0M | 1% |
| Energy | $4.0M | 0% |
