vs
F&G Annuities & Life, Inc.（FG）与环联（TRU）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.的季度营收约是环联的1.4倍（$1.8B vs $1.2B），环联净利率更高（9.6% vs 7.3%，领先2.4%），环联同比增速更快（13.7% vs 13.2%），过去两年环联的营收复合增速更高（9.4% 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。
环联是美国知名消费者信用报告机构，与益博睿、艾奎法克斯并列美国三大征信机构，总部位于伊利诺伊州芝加哥。目前其业务覆盖30余个国家，累计收集超10亿消费者的信用信息，持有美国几乎所有有信用记录消费者的超2亿份档案，服务超6.5万家企业客户，2014年营收达13亿美元。
FG vs TRU — 直观对比
营收规模更大
FG
是对方的1.4倍
$1.2B
营收增速更快
TRU
高出0.5%
13.2%
净利率更高
TRU
高出2.4%
7.3%
两年增速更快
TRU
近两年复合增速
6.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $1.2B |
| 净利润 | $128.0M | $120.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 19.7% |
| 净利率 | 7.3% | 9.6% |
| 营收同比 | 13.2% | 13.7% |
| 净利润同比 | -60.9% | -4.0% |
| 每股收益（稀释后） | $0.97 | $0.61 |
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FGTRU
| Q1 26 | — | $1.2B | ||
| Q4 25 | $1.8B | $1.2B | ||
| Q3 25 | $1.7B | $1.2B | ||
| Q2 25 | $1.4B | $1.1B | ||
| Q1 25 | $908.0M | $1.1B | ||
| Q4 24 | $1.6B | $1.0B | ||
| Q3 24 | $1.4B | $1.1B | ||
| Q2 24 | $1.2B | $1.0B |
净利润FGTRU
| Q1 26 | — | $120.0M | ||
| Q4 25 | $128.0M | $101.1M | ||
| Q3 25 | $118.0M | $96.6M | ||
| Q2 25 | $40.0M | $109.6M | ||
| Q1 25 | $-21.0M | $148.1M | ||
| Q4 24 | $327.0M | $66.3M | ||
| Q3 24 | $-6.0M | $68.0M | ||
| Q2 24 | $203.0M | $85.0M |
营业利润率FGTRU
| Q1 26 | — | 19.7% | ||
| Q4 25 | — | 17.4% | ||
| Q3 25 | — | 17.8% | ||
| Q2 25 | — | 16.9% | ||
| Q1 25 | — | 23.2% | ||
| Q4 24 | — | 16.5% | ||
| Q3 24 | — | 14.4% | ||
| Q2 24 | — | 17.5% |
净利率FGTRU
| Q1 26 | — | 9.6% | ||
| Q4 25 | 7.3% | 8.6% | ||
| Q3 25 | 7.0% | 8.3% | ||
| Q2 25 | 2.9% | 9.6% | ||
| Q1 25 | -2.3% | 13.5% | ||
| Q4 24 | 21.0% | 6.4% | ||
| Q3 24 | -0.4% | 6.3% | ||
| Q2 24 | 17.3% | 8.2% |
每股收益（稀释后）FGTRU
| Q1 26 | — | $0.61 | ||
| Q4 25 | $0.97 | $0.52 | ||
| Q3 25 | $0.85 | $0.49 | ||
| Q2 25 | $0.26 | $0.56 | ||
| Q1 25 | $-0.20 | $0.75 | ||
| Q4 24 | $2.53 | $0.33 | ||
| Q3 24 | $-0.08 | $0.35 | ||
| Q2 24 | $1.55 | $0.44 |
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 | $732.5M |
| 总债务越低越好 | $2.2B | $5.6B |
| 股东权益账面价值 | $4.8B | $4.9B |
| 总资产 | $98.4B | $12.0B |
| 负债/权益比越低杠杆越低 | 0.47× | 1.14× |
8季度趋势，按日历期对齐
现金及短期投资FGTRU
| Q1 26 | — | $732.5M | ||
| Q4 25 | $1.5B | $856.3M | ||
| Q3 25 | $2.2B | $752.5M | ||
| Q2 25 | $1.9B | $690.0M | ||
| Q1 25 | $3.3B | $612.5M | ||
| Q4 24 | $2.3B | $682.0M | ||
| Q3 24 | $3.5B | $646.0M | ||
| Q2 24 | $3.5B | $545.8M |
总债务FGTRU
| Q1 26 | — | $5.6B | ||
| Q4 25 | $2.2B | $4.9B | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $2.2B | — | ||
| Q1 25 | $2.2B | — | ||
| Q4 24 | $2.2B | $5.1B | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $2.0B | — |
股东权益FGTRU
| Q1 26 | — | $4.9B | ||
| Q4 25 | $4.8B | $4.4B | ||
| Q3 25 | $4.8B | $4.5B | ||
| Q2 25 | $4.4B | $4.5B | ||
| Q1 25 | $4.4B | $4.4B | ||
| Q4 24 | $4.0B | $4.2B | ||
| Q3 24 | $4.3B | $4.2B | ||
| Q2 24 | $3.7B | $4.1B |
总资产FGTRU
| Q1 26 | — | $12.0B | ||
| Q4 25 | $98.4B | $11.1B | ||
| Q3 25 | $96.1B | $11.1B | ||
| Q2 25 | $91.8B | $11.1B | ||
| Q1 25 | $88.0B | $10.9B | ||
| Q4 24 | $85.0B | $11.0B | ||
| Q3 24 | $84.1B | $11.1B | ||
| Q2 24 | $78.5B | $11.0B |
负债/权益比FGTRU
| Q1 26 | — | 1.14× | ||
| Q4 25 | 0.47× | 1.11× | ||
| Q3 25 | 0.46× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.51× | — | ||
| Q4 24 | 0.55× | 1.20× | ||
| 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 | — | — |
| 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 | — | 5.2% |
| 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FGTRU
| Q1 26 | — | — | ||
| Q4 25 | $1.2B | $319.5M | ||
| Q3 25 | $937.0M | $324.3M | ||
| Q2 25 | $1.6B | $291.3M | ||
| Q1 25 | $956.0M | $52.5M | ||
| Q4 24 | $1.3B | $254.0M | ||
| Q3 24 | $2.1B | $229.3M | ||
| Q2 24 | $1.1B | $295.2M |
自由现金流FGTRU
| Q1 26 | — | — | ||
| Q4 25 | — | $222.8M | ||
| Q3 25 | — | $240.4M | ||
| Q2 25 | — | $214.3M | ||
| Q1 25 | — | $-15.9M | ||
| Q4 24 | — | $136.9M | ||
| Q3 24 | — | $161.3M | ||
| Q2 24 | — | $226.9M |
自由现金流率FGTRU
| Q1 26 | — | — | ||
| Q4 25 | — | 19.0% | ||
| Q3 25 | — | 20.6% | ||
| Q2 25 | — | 18.8% | ||
| Q1 25 | — | -1.5% | ||
| Q4 24 | — | 13.2% | ||
| Q3 24 | — | 14.9% | ||
| Q2 24 | — | 21.8% |
资本支出强度FGTRU
| Q1 26 | — | 5.2% | ||
| Q4 25 | — | 8.3% | ||
| Q3 25 | — | 7.2% | ||
| Q2 25 | — | 6.8% | ||
| Q1 25 | — | 6.2% | ||
| Q4 24 | — | 11.3% | ||
| Q3 24 | — | 6.3% | ||
| Q2 24 | — | 6.6% |
现金转化率FGTRU
| Q1 26 | — | — | ||
| Q4 25 | 9.13× | 3.16× | ||
| Q3 25 | 7.94× | 3.36× | ||
| Q2 25 | 40.50× | 2.66× | ||
| Q1 25 | — | 0.35× | ||
| Q4 24 | 4.04× | 3.83× | ||
| Q3 24 | — | 3.37× | ||
| Q2 24 | 5.20× | 3.47× |
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
TRU
| U.S. Markets | $975.0M | 78% |
| International | $274.0M | 22% |
