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F&G Annuities & Life, Inc.（FG）与Roper Technologies（ROP）财务数据对比。点击上方公司名可切换其他公司
Roper Technologies的季度营收约是F&G Annuities & Life, Inc.的1.2倍（$2.1B vs $1.8B），Roper Technologies净利率更高（15.8% vs 7.3%，领先8.5%），F&G Annuities & Life, Inc.同比增速更快（13.2% vs 11.3%），过去两年Roper Technologies的营收复合增速更高（10.5% 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。
罗珀技术公司是一家专注于科技领域的控股企业，通过持有并运营多家不同细分赛道的科技公司，在科技产业投资与资产管理领域形成了成熟的业务体系，在全球相关市场具备较高的行业影响力。
FG vs ROP — 直观对比
营收规模更大
ROP
是对方的1.2倍
$1.8B
营收增速更快
FG
高出1.9%
11.3%
净利率更高
ROP
高出8.5%
7.3%
两年增速更快
ROP
近两年复合增速
6.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $2.1B |
| 净利润 | $128.0M | $331.0M |
| 毛利率 | — | 69.4% |
| 营业利润率 | — | 27.2% |
| 净利率 | 7.3% | 15.8% |
| 营收同比 | 13.2% | 11.3% |
| 净利润同比 | -60.9% | 53.7% |
| 每股收益（稀释后） | $0.97 | $4.87 |
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FGROP
| Q1 26 | — | $2.1B | ||
| Q4 25 | $1.8B | $2.1B | ||
| Q3 25 | $1.7B | $2.0B | ||
| Q2 25 | $1.4B | $1.9B | ||
| Q1 25 | $908.0M | $1.9B | ||
| Q4 24 | $1.6B | $1.9B | ||
| Q3 24 | $1.4B | $1.8B | ||
| Q2 24 | $1.2B | $1.7B |
净利润FGROP
| Q1 26 | — | $331.0M | ||
| Q4 25 | $128.0M | $428.4M | ||
| Q3 25 | $118.0M | $398.5M | ||
| Q2 25 | $40.0M | $378.3M | ||
| Q1 25 | $-21.0M | $331.1M | ||
| Q4 24 | $327.0M | $462.3M | ||
| Q3 24 | $-6.0M | $367.9M | ||
| Q2 24 | $203.0M | $337.1M |
毛利率FGROP
| Q1 26 | — | 69.4% | ||
| Q4 25 | — | 69.5% | ||
| Q3 25 | — | 69.5% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 68.7% | ||
| Q4 24 | — | 68.3% | ||
| Q3 24 | — | 69.2% | ||
| Q2 24 | — | 69.5% |
营业利润率FGROP
| Q1 26 | — | 27.2% | ||
| Q4 25 | — | 28.6% | ||
| Q3 25 | — | 28.4% | ||
| Q2 25 | — | 28.2% | ||
| Q1 25 | — | 27.9% | ||
| Q4 24 | — | 28.0% | ||
| Q3 24 | — | 28.1% | ||
| Q2 24 | — | 28.8% |
净利率FGROP
| Q1 26 | — | 15.8% | ||
| Q4 25 | 7.3% | 20.8% | ||
| Q3 25 | 7.0% | 19.8% | ||
| Q2 25 | 2.9% | 19.5% | ||
| Q1 25 | -2.3% | 17.6% | ||
| Q4 24 | 21.0% | 24.6% | ||
| Q3 24 | -0.4% | 20.8% | ||
| Q2 24 | 17.3% | 19.6% |
每股收益（稀释后）FGROP
| Q1 26 | — | $4.87 | ||
| Q4 25 | $0.97 | $3.97 | ||
| Q3 25 | $0.85 | $3.68 | ||
| Q2 25 | $0.26 | $3.49 | ||
| Q1 25 | $-0.20 | $3.06 | ||
| Q4 24 | $2.53 | $4.29 | ||
| Q3 24 | $-0.08 | $3.40 | ||
| Q2 24 | $1.55 | $3.12 |
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 | $382.9M |
| 总债务越低越好 | $2.2B | $9.7B |
| 股东权益账面价值 | $4.8B | $18.8B |
| 总资产 | $98.4B | $34.6B |
| 负债/权益比越低杠杆越低 | 0.47× | 0.52× |
8季度趋势，按日历期对齐
现金及短期投资FGROP
| Q1 26 | — | $382.9M | ||
| Q4 25 | $1.5B | $297.4M | ||
| Q3 25 | $2.2B | $320.0M | ||
| Q2 25 | $1.9B | $242.4M | ||
| Q1 25 | $3.3B | $372.8M | ||
| Q4 24 | $2.3B | $188.2M | ||
| Q3 24 | $3.5B | $269.6M | ||
| Q2 24 | $3.5B | $251.5M |
总债务FGROP
| Q1 26 | — | $9.7B | ||
| Q4 25 | $2.2B | $9.3B | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $2.2B | — | ||
| Q1 25 | $2.2B | — | ||
| Q4 24 | $2.2B | $7.6B | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $2.0B | — |
股东权益FGROP
| Q1 26 | — | $18.8B | ||
| Q4 25 | $4.8B | $19.9B | ||
| Q3 25 | $4.8B | $20.0B | ||
| Q2 25 | $4.4B | $19.6B | ||
| Q1 25 | $4.4B | $19.2B | ||
| Q4 24 | $4.0B | $18.9B | ||
| Q3 24 | $4.3B | $18.5B | ||
| Q2 24 | $3.7B | $18.1B |
总资产FGROP
| Q1 26 | — | $34.6B | ||
| Q4 25 | $98.4B | $34.6B | ||
| Q3 25 | $96.1B | $34.6B | ||
| Q2 25 | $91.8B | $33.2B | ||
| Q1 25 | $88.0B | $31.4B | ||
| Q4 24 | $85.0B | $31.3B | ||
| Q3 24 | $84.1B | $31.6B | ||
| Q2 24 | $78.5B | $29.8B |
负债/权益比FGROP
| Q1 26 | — | 0.52× | ||
| Q4 25 | 0.47× | 0.47× | ||
| Q3 25 | 0.46× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.51× | — | ||
| Q4 24 | 0.55× | 0.40× | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.56× | — |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | $507.0M |
| 自由现金流率自由现金流/营收 | — | 24.2% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 现金转化率经营现金流/净利润 | 9.13× | — |
| 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FGROP
| Q1 26 | — | — | ||
| Q4 25 | $1.2B | $738.0M | ||
| Q3 25 | $937.0M | $869.5M | ||
| Q2 25 | $1.6B | $404.1M | ||
| Q1 25 | $956.0M | $528.7M | ||
| Q4 24 | $1.3B | $722.2M | ||
| Q3 24 | $2.1B | $755.4M | ||
| Q2 24 | $1.1B | $384.1M |
自由现金流FGROP
| Q1 26 | — | $507.0M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率FGROP
| Q1 26 | — | 24.2% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度FGROP
| Q1 26 | — | 0.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率FGROP
| Q1 26 | — | — | ||
| Q4 25 | 9.13× | 1.72× | ||
| Q3 25 | 7.94× | 2.18× | ||
| Q2 25 | 40.50× | 1.07× | ||
| Q1 25 | — | 1.60× | ||
| Q4 24 | 4.04× | 1.56× | ||
| Q3 24 | — | 2.05× | ||
| Q2 24 | 5.20× | 1.14× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
