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Globe Life（GL）与宜瑞安（INGR）财务数据对比。点击上方公司名可切换其他公司
宜瑞安的季度营收约是Globe Life的1.1倍（$1.8B vs $1.6B），Globe Life净利率更高（17.3% vs 9.5%，领先7.8%），Globe Life同比增速更快（5.3% vs -2.4%），过去两年Globe Life的营收复合增速更高（4.1% vs -3.4%）
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。
宜瑞安（Ingredion Inc.）是总部位于美国伊利诺伊州的食品饮料配料供应商，主打产品包括淀粉、非转基因甜味剂、甜菊糖、豌豆蛋白等，以玉米、木薯、马铃薯、谷物、果蔬等为原料，产品供应食品、饮料、酿造、制药等多个行业，在全球44个站点拥有约1.2万名员工，客户覆盖超120个国家。
GL vs INGR — 直观对比
营收规模更大
INGR
是对方的1.1倍
$1.6B
营收增速更快
GL
高出7.7%
-2.4%
净利率更高
GL
高出7.8%
9.5%
两年增速更快
GL
近两年复合增速
-3.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $1.8B |
| 净利润 | $270.5M | $167.0M |
| 毛利率 | — | 24.5% |
| 营业利润率 | — | 12.5% |
| 净利率 | 17.3% | 9.5% |
| 营收同比 | 5.3% | -2.4% |
| 净利润同比 | 6.3% | 72.2% |
| 每股收益（稀释后） | $3.39 | $2.58 |
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GLINGR
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.5B | $1.8B | ||
| Q3 25 | $1.5B | $1.8B | ||
| Q2 25 | $1.5B | $1.8B | ||
| Q1 25 | $1.5B | $1.8B | ||
| Q4 24 | $1.5B | $1.8B | ||
| Q3 24 | $1.5B | $1.9B | ||
| Q2 24 | $1.4B | $1.9B |
净利润GLINGR
| Q1 26 | $270.5M | — | ||
| Q4 25 | $266.1M | $167.0M | ||
| Q3 25 | $387.8M | $171.0M | ||
| Q2 25 | $252.7M | $196.0M | ||
| Q1 25 | $254.6M | $197.0M | ||
| Q4 24 | $255.2M | $97.0M | ||
| Q3 24 | $303.0M | $188.0M | ||
| Q2 24 | $258.4M | $148.0M |
毛利率GLINGR
| Q1 26 | — | — | ||
| Q4 25 | — | 24.5% | ||
| Q3 25 | — | 25.1% | ||
| Q2 25 | — | 26.0% | ||
| Q1 25 | — | 25.7% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | 26.1% | 25.6% | ||
| Q2 24 | 23.3% | 23.7% |
营业利润率GLINGR
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 12.5% | ||
| Q3 25 | 31.5% | 13.7% | ||
| Q2 25 | 21.2% | 14.8% | ||
| Q1 25 | 21.4% | 15.2% | ||
| Q4 24 | 21.3% | 9.0% | ||
| Q3 24 | 26.3% | 14.3% | ||
| Q2 24 | 23.5% | 12.8% |
净利率GLINGR
| Q1 26 | 17.3% | — | ||
| Q4 25 | 17.5% | 9.5% | ||
| Q3 25 | 25.6% | 9.4% | ||
| Q2 25 | 17.1% | 10.7% | ||
| Q1 25 | 17.2% | 10.9% | ||
| Q4 24 | 17.4% | 5.4% | ||
| Q3 24 | 20.8% | 10.1% | ||
| Q2 24 | 17.9% | 7.9% |
每股收益（稀释后）GLINGR
| Q1 26 | $3.39 | — | ||
| Q4 25 | $3.28 | $2.58 | ||
| Q3 25 | $4.73 | $2.61 | ||
| Q2 25 | $3.05 | $2.99 | ||
| Q1 25 | $3.01 | $3.00 | ||
| Q4 24 | $3.00 | $1.43 | ||
| Q3 24 | $3.44 | $2.83 | ||
| Q2 24 | $2.83 | $2.22 |
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 | $1.0B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $6.1B | $4.3B |
| 总资产 | — | $7.9B |
| 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GLINGR
| Q1 26 | $183.8M | — | ||
| Q4 25 | $314.7M | $1.0B | ||
| Q3 25 | $62.8M | $915.0M | ||
| Q2 25 | $116.7M | $861.0M | ||
| Q1 25 | $134.1M | $837.0M | ||
| Q4 24 | $85.0M | $997.0M | ||
| Q3 24 | $100.5M | $877.0M | ||
| Q2 24 | $100.6M | $505.0M |
股东权益GLINGR
| Q1 26 | $6.1B | — | ||
| Q4 25 | $6.0B | $4.3B | ||
| Q3 25 | $5.7B | $4.2B | ||
| Q2 25 | $5.4B | $4.2B | ||
| Q1 25 | $5.4B | $4.0B | ||
| Q4 24 | $5.3B | $3.8B | ||
| Q3 24 | $4.6B | $4.0B | ||
| Q2 24 | $5.2B | $3.7B |
总资产GLINGR
| Q1 26 | — | — | ||
| Q4 25 | $30.8B | $7.9B | ||
| Q3 25 | $30.5B | $7.8B | ||
| Q2 25 | $29.8B | $7.8B | ||
| Q1 25 | $29.7B | $7.5B | ||
| Q4 24 | $29.1B | $7.4B | ||
| Q3 24 | $29.6B | $7.5B | ||
| Q2 24 | $28.3B | $7.2B |
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 | — | $405.0M |
| 自由现金流经营现金流 - 资本支出 | — | $270.0M |
| 自由现金流率自由现金流/营收 | — | 15.4% |
| 资本支出强度资本支出/营收 | — | 7.7% |
| 现金转化率经营现金流/净利润 | — | 2.43× |
| 过去12个月自由现金流最近4个季度 | — | $511.0M |
8季度趋势，按日历期对齐
经营现金流GLINGR
| Q1 26 | — | — | ||
| Q4 25 | $350.6M | $405.0M | ||
| Q3 25 | $306.0M | $277.0M | ||
| Q2 25 | $307.9M | $185.0M | ||
| Q1 25 | $431.9M | $77.0M | ||
| Q4 24 | $336.9M | $436.0M | ||
| Q3 24 | $340.6M | $479.0M | ||
| Q2 24 | $374.1M | $312.0M |
自由现金流GLINGR
| Q1 26 | — | — | ||
| Q4 25 | $330.1M | $270.0M | ||
| Q3 25 | $208.7M | $172.0M | ||
| Q2 25 | $295.0M | $84.0M | ||
| Q1 25 | $420.1M | $-15.0M | ||
| Q4 24 | $321.9M | $311.0M | ||
| Q3 24 | $311.3M | $429.0M | ||
| Q2 24 | $356.5M | $257.0M |
自由现金流率GLINGR
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 15.4% | ||
| Q3 25 | 13.8% | 9.5% | ||
| Q2 25 | 19.9% | 4.6% | ||
| Q1 25 | 28.4% | -0.8% | ||
| Q4 24 | 22.0% | 17.3% | ||
| Q3 24 | 21.4% | 22.9% | ||
| Q2 24 | 24.8% | 13.7% |
资本支出强度GLINGR
| Q1 26 | — | — | ||
| Q4 25 | 1.3% | 7.7% | ||
| Q3 25 | 6.4% | 5.8% | ||
| Q2 25 | 0.9% | 5.5% | ||
| Q1 25 | 0.8% | 5.1% | ||
| Q4 24 | 1.0% | 6.9% | ||
| Q3 24 | 2.0% | 2.7% | ||
| Q2 24 | 1.2% | 2.9% |
现金转化率GLINGR
| Q1 26 | — | — | ||
| Q4 25 | 1.32× | 2.43× | ||
| Q3 25 | 0.79× | 1.62× | ||
| Q2 25 | 1.22× | 0.94× | ||
| Q1 25 | 1.70× | 0.39× | ||
| Q4 24 | 1.32× | 4.49× | ||
| Q3 24 | 1.12× | 2.55× | ||
| Q2 24 | 1.45× | 2.11× |
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
GL
| Life premium | $853.2M | 55% |
| Health premium | $416.9M | 27% |
| Other | $289.5M | 19% |
INGR
| Food And Industrial Ingredients LATAM Segment | $599.0M | 34% |
| Texture And Healthful Solutions Segment | $598.0M | 34% |
| Food And Industrial Ingredients U.S.Canada Segment | $486.0M | 28% |
| Other | $74.0M | 4% |
