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F&G Annuities & Life, Inc.（FG）与雷诺士国际（LII）财务数据对比。点击上方公司名可切换其他公司
F&G Annuities & Life, Inc.的季度营收约是雷诺士国际的1.5倍（$1.8B vs $1.2B），雷诺士国际净利率更高（13.6% vs 7.3%，领先6.3%），F&G Annuities & Life, Inc.同比增速更快（13.2% vs -11.2%），过去两年雷诺士国际的营收复合增速更高（6.8% vs 6.1%）
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。
雷诺士国际是美国知名的暖通空调（HVAC）及制冷领域气候控制产品供应商，总部位于得克萨斯州理查森。公司在墨西哥萨尔蒂约、美国爱荷华州马歇尔敦、南卡罗来纳州奥兰治堡设有核心生产基地，1904年收购公司的诺里斯家族后裔约翰·W·诺里斯三世持有其9.8%的股份。
FG vs LII — 直观对比
营收规模更大
FG
是对方的1.5倍
$1.2B
营收增速更快
FG
高出24.4%
-11.2%
净利率更高
LII
高出6.3%
7.3%
两年增速更快
LII
近两年复合增速
6.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $1.2B |
| 净利润 | $128.0M | $162.1M |
| 毛利率 | — | 34.7% |
| 营业利润率 | — | 18.6% |
| 净利率 | 7.3% | 13.6% |
| 营收同比 | 13.2% | -11.2% |
| 净利润同比 | -60.9% | -18.0% |
| 每股收益（稀释后） | $0.97 | $4.62 |
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FGLII
| Q4 25 | $1.8B | $1.2B | ||
| Q3 25 | $1.7B | $1.4B | ||
| Q2 25 | $1.4B | $1.5B | ||
| Q1 25 | $908.0M | $1.1B | ||
| Q4 24 | $1.6B | $1.3B | ||
| Q3 24 | $1.4B | $1.5B | ||
| Q2 24 | $1.2B | $1.5B | ||
| Q1 24 | $1.6B | $1.0B |
净利润FGLII
| Q4 25 | $128.0M | $162.1M | ||
| Q3 25 | $118.0M | $245.8M | ||
| Q2 25 | $40.0M | $277.6M | ||
| Q1 25 | $-21.0M | $120.3M | ||
| Q4 24 | $327.0M | $197.7M | ||
| Q3 24 | $-6.0M | $239.0M | ||
| Q2 24 | $203.0M | $245.9M | ||
| Q1 24 | $115.0M | $124.3M |
毛利率FGLII
| Q4 25 | — | 34.7% | ||
| Q3 25 | — | 32.8% | ||
| Q2 25 | — | 34.8% | ||
| Q1 25 | — | 30.6% | ||
| Q4 24 | — | 33.9% | ||
| Q3 24 | — | 32.6% | ||
| Q2 24 | — | 33.6% | ||
| Q1 24 | — | 32.5% |
营业利润率FGLII
| Q4 25 | — | 18.6% | ||
| Q3 25 | — | 21.7% | ||
| Q2 25 | — | 23.6% | ||
| Q1 25 | — | 14.5% | ||
| Q4 24 | — | 18.2% | ||
| Q3 24 | — | 20.2% | ||
| Q2 24 | — | 22.1% | ||
| Q1 24 | — | 15.9% |
净利率FGLII
| Q4 25 | 7.3% | 13.6% | ||
| Q3 25 | 7.0% | 17.2% | ||
| Q2 25 | 2.9% | 18.5% | ||
| Q1 25 | -2.3% | 11.2% | ||
| Q4 24 | 21.0% | 14.7% | ||
| Q3 24 | -0.4% | 16.0% | ||
| Q2 24 | 17.3% | 16.9% | ||
| Q1 24 | 7.3% | 11.9% |
每股收益（稀释后）FGLII
| Q4 25 | $0.97 | $4.62 | ||
| Q3 25 | $0.85 | $6.98 | ||
| Q2 25 | $0.26 | $7.82 | ||
| Q1 25 | $-0.20 | $3.37 | ||
| Q4 24 | $2.53 | $5.52 | ||
| Q3 24 | $-0.08 | $6.68 | ||
| Q2 24 | $1.55 | $6.87 | ||
| Q1 24 | $0.88 | $3.47 |
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 | $34.7M |
| 总债务越低越好 | $2.2B | $1.1B |
| 股东权益账面价值 | $4.8B | $1.2B |
| 总资产 | $98.4B | $4.1B |
| 负债/权益比越低杠杆越低 | 0.47× | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资FGLII
| Q4 25 | $1.5B | $34.7M | ||
| Q3 25 | $2.2B | $59.2M | ||
| Q2 25 | $1.9B | $55.1M | ||
| Q1 25 | $3.3B | $222.9M | ||
| Q4 24 | $2.3B | $422.3M | ||
| Q3 24 | $3.5B | $255.7M | ||
| Q2 24 | $3.5B | $57.8M | ||
| Q1 24 | $2.4B | $57.6M |
总债务FGLII
| Q4 25 | $2.2B | $1.1B | ||
| Q3 25 | $2.2B | $838.2M | ||
| Q2 25 | $2.2B | $835.7M | ||
| Q1 25 | $2.2B | $834.2M | ||
| Q4 24 | $2.2B | $833.1M | ||
| Q3 24 | $2.0B | $827.6M | ||
| Q2 24 | $2.0B | $1.1B | ||
| Q1 24 | $1.7B | $1.2B |
股东权益FGLII
| Q4 25 | $4.8B | $1.2B | ||
| Q3 25 | $4.8B | $1.1B | ||
| Q2 25 | $4.4B | $900.5M | ||
| Q1 25 | $4.4B | $852.5M | ||
| Q4 24 | $4.0B | $850.2M | ||
| Q3 24 | $4.3B | $754.0M | ||
| Q2 24 | $3.7B | $577.4M | ||
| Q1 24 | $3.5B | $368.8M |
总资产FGLII
| Q4 25 | $98.4B | $4.1B | ||
| Q3 25 | $96.1B | $3.5B | ||
| Q2 25 | $91.8B | $3.7B | ||
| Q1 25 | $88.0B | $3.5B | ||
| Q4 24 | $85.0B | $3.5B | ||
| Q3 24 | $84.1B | $3.3B | ||
| Q2 24 | $78.5B | $3.2B | ||
| Q1 24 | $74.4B | $3.0B |
负债/权益比FGLII
| Q4 25 | 0.47× | 0.98× | ||
| Q3 25 | 0.46× | 0.78× | ||
| Q2 25 | 0.50× | 0.93× | ||
| Q1 25 | 0.51× | 0.98× | ||
| Q4 24 | 0.55× | 0.98× | ||
| Q3 24 | 0.47× | 1.10× | ||
| Q2 24 | 0.56× | 1.95× | ||
| Q1 24 | 0.49× | 3.13× |
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 | $405.9M |
| 自由现金流经营现金流 - 资本支出 | — | $376.7M |
| 自由现金流率自由现金流/营收 | — | 31.5% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 现金转化率经营现金流/净利润 | 9.13× | 2.50× |
| 过去12个月自由现金流最近4个季度 | — | $638.8M |
8季度趋势，按日历期对齐
经营现金流FGLII
| Q4 25 | $1.2B | $405.9M | ||
| Q3 25 | $937.0M | $300.7M | ||
| Q2 25 | $1.6B | $86.8M | ||
| Q1 25 | $956.0M | $-35.8M | ||
| Q4 24 | $1.3B | $332.4M | ||
| Q3 24 | $2.1B | $452.1M | ||
| Q2 24 | $1.1B | $184.0M | ||
| Q1 24 | $1.5B | $-22.8M |
自由现金流FGLII
| Q4 25 | — | $376.7M | ||
| Q3 25 | — | $265.1M | ||
| Q2 25 | — | $58.3M | ||
| Q1 25 | — | $-61.3M | ||
| Q4 24 | — | $272.2M | ||
| Q3 24 | — | $410.9M | ||
| Q2 24 | — | $151.3M | ||
| Q1 24 | — | $-52.3M |
自由现金流率FGLII
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 18.6% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | -5.7% | ||
| Q4 24 | — | 20.2% | ||
| Q3 24 | — | 27.4% | ||
| Q2 24 | — | 10.4% | ||
| Q1 24 | — | -5.0% |
资本支出强度FGLII
| Q4 25 | — | 2.4% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | 1.9% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 4.5% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | 2.8% |
现金转化率FGLII
| Q4 25 | 9.13× | 2.50× | ||
| Q3 25 | 7.94× | 1.22× | ||
| Q2 25 | 40.50× | 0.31× | ||
| Q1 25 | — | -0.30× | ||
| Q4 24 | 4.04× | 1.68× | ||
| Q3 24 | — | 1.89× | ||
| Q2 24 | 5.20× | 0.75× | ||
| Q1 24 | 13.34× | -0.18× |
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
暂无分部数据
LII
| Residential Heating And Cooling | $699.8M | 59% |
| Commercial Heating And Cooling | $495.2M | 41% |
