vs
Globe Life（GL）与英格索兰（IR）财务数据对比。点击上方公司名可切换其他公司
英格索兰的季度营收约是Globe Life的1.4倍（$2.1B vs $1.5B），Globe Life净利率更高（17.5% vs 12.7%，领先4.8%），英格索兰同比增速更快（10.1% vs 3.6%），英格索兰自由现金流更多（$461.5M vs $330.1M），过去两年英格索兰的营收复合增速更高（11.9% vs 3.6%）
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。
英格索兰是一家美国跨国企业，主营流体生产及工业产品业务。公司于2020年2月由原英格索兰plc的工业业务板块分拆后与加德纳丹佛合并组建，旗下拥有40多个品牌，产品覆盖全球所有主要市场。
GL vs IR — 直观对比
营收规模更大
IR
是对方的1.4倍
$1.5B
营收增速更快
IR
高出6.5%
3.6%
净利率更高
GL
高出4.8%
12.7%
自由现金流更多
IR
多$131.4M
$330.1M
两年增速更快
IR
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $2.1B |
| 净利润 | $266.1M | $266.1M |
| 毛利率 | — | 42.6% |
| 营业利润率 | 21.7% | 18.7% |
| 净利率 | 17.5% | 12.7% |
| 营收同比 | 3.6% | 10.1% |
| 净利润同比 | 4.3% | 15.8% |
| 每股收益（稀释后） | $3.28 | $0.67 |
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GLIR
| Q4 25 | $1.5B | $2.1B | ||
| Q3 25 | $1.5B | $2.0B | ||
| Q2 25 | $1.5B | $1.9B | ||
| Q1 25 | $1.5B | $1.7B | ||
| Q4 24 | $1.5B | $1.9B | ||
| Q3 24 | $1.5B | $1.9B | ||
| Q2 24 | $1.4B | $1.8B | ||
| Q1 24 | $1.4B | $1.7B |
净利润GLIR
| Q4 25 | $266.1M | $266.1M | ||
| Q3 25 | $387.8M | $244.1M | ||
| Q2 25 | $252.7M | $-115.3M | ||
| Q1 25 | $254.6M | $186.5M | ||
| Q4 24 | $255.2M | $229.8M | ||
| Q3 24 | $303.0M | $221.6M | ||
| Q2 24 | $258.4M | $185.0M | ||
| Q1 24 | $254.2M | $202.2M |
毛利率GLIR
| Q4 25 | — | 42.6% | ||
| Q3 25 | — | 43.7% | ||
| Q2 25 | — | 43.7% | ||
| Q1 25 | — | 44.6% | ||
| Q4 24 | — | 42.9% | ||
| Q3 24 | 26.1% | 43.8% | ||
| Q2 24 | 23.3% | 43.9% | ||
| Q1 24 | 23.1% | 44.7% |
营业利润率GLIR
| Q4 25 | 21.7% | 18.7% | ||
| Q3 25 | 31.5% | 19.2% | ||
| Q2 25 | 21.2% | 4.0% | ||
| Q1 25 | 21.4% | 17.6% | ||
| Q4 24 | 21.3% | 20.0% | ||
| Q3 24 | 26.3% | 19.1% | ||
| Q2 24 | 23.5% | 15.1% | ||
| Q1 24 | 23.1% | 17.6% |
净利率GLIR
| Q4 25 | 17.5% | 12.7% | ||
| Q3 25 | 25.6% | 12.5% | ||
| Q2 25 | 17.1% | -6.1% | ||
| Q1 25 | 17.2% | 10.9% | ||
| Q4 24 | 17.4% | 12.1% | ||
| Q3 24 | 20.8% | 11.9% | ||
| Q2 24 | 17.9% | 10.2% | ||
| Q1 24 | 18.0% | 12.1% |
每股收益（稀释后）GLIR
| Q4 25 | $3.28 | $0.67 | ||
| Q3 25 | $4.73 | $0.61 | ||
| Q2 25 | $3.05 | $-0.29 | ||
| Q1 25 | $3.01 | $0.46 | ||
| Q4 24 | $3.00 | $0.57 | ||
| Q3 24 | $3.44 | $0.54 | ||
| Q2 24 | $2.83 | $0.45 | ||
| Q1 24 | $2.67 | $0.50 |
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 | $314.7M | $1.2B |
| 总债务越低越好 | — | $4.8B |
| 股东权益账面价值 | $6.0B | $10.1B |
| 总资产 | $30.8B | $18.3B |
| 负债/权益比越低杠杆越低 | — | 0.47× |
8季度趋势，按日历期对齐
现金及短期投资GLIR
| Q4 25 | $314.7M | $1.2B | ||
| Q3 25 | $62.8M | $1.2B | ||
| Q2 25 | $116.7M | $1.3B | ||
| Q1 25 | $134.1M | $1.6B | ||
| Q4 24 | $85.0M | $1.5B | ||
| Q3 24 | $100.5M | $1.4B | ||
| Q2 24 | $100.6M | $1.1B | ||
| Q1 24 | $58.4M | $1.5B |
总债务GLIR
| Q4 25 | — | $4.8B | ||
| Q3 25 | — | $4.8B | ||
| Q2 25 | — | $4.8B | ||
| Q1 25 | — | $4.8B | ||
| Q4 24 | — | $4.8B | ||
| Q3 24 | — | $4.8B | ||
| Q2 24 | — | $4.8B | ||
| Q1 24 | — | $2.7B |
股东权益GLIR
| Q4 25 | $6.0B | $10.1B | ||
| Q3 25 | $5.7B | $10.1B | ||
| Q2 25 | $5.4B | $10.1B | ||
| Q1 25 | $5.4B | $10.5B | ||
| Q4 24 | $5.3B | $10.2B | ||
| Q3 24 | $4.6B | $10.3B | ||
| Q2 24 | $5.2B | $10.0B | ||
| Q1 24 | $5.0B | $9.9B |
总资产GLIR
| Q4 25 | $30.8B | $18.3B | ||
| Q3 25 | $30.5B | $18.2B | ||
| Q2 25 | $29.8B | $18.1B | ||
| Q1 25 | $29.7B | $18.4B | ||
| Q4 24 | $29.1B | $18.0B | ||
| Q3 24 | $29.6B | $18.2B | ||
| Q2 24 | $28.3B | $17.8B | ||
| Q1 24 | $28.6B | $15.5B |
负债/权益比GLIR
| Q4 25 | — | 0.47× | ||
| Q3 25 | — | 0.47× | ||
| Q2 25 | — | 0.47× | ||
| Q1 25 | — | 0.45× | ||
| Q4 24 | — | 0.47× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 0.48× | ||
| Q1 24 | — | 0.27× |
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 | $350.6M | $499.0M |
| 自由现金流经营现金流 - 资本支出 | $330.1M | $461.5M |
| 自由现金流率自由现金流/营收 | 21.7% | 22.1% |
| 资本支出强度资本支出/营收 | 1.3% | 1.8% |
| 现金转化率经营现金流/净利润 | 1.32× | 1.88× |
| 过去12个月自由现金流最近4个季度 | $1.3B | $1.2B |
8季度趋势，按日历期对齐
经营现金流GLIR
| Q4 25 | $350.6M | $499.0M | ||
| Q3 25 | $306.0M | $354.6M | ||
| Q2 25 | $307.9M | $245.7M | ||
| Q1 25 | $431.9M | $256.4M | ||
| Q4 24 | $336.9M | $526.2M | ||
| Q3 24 | $340.6M | $404.0M | ||
| Q2 24 | $374.1M | $304.9M | ||
| Q1 24 | $350.8M | $161.6M |
自由现金流GLIR
| Q4 25 | $330.1M | $461.5M | ||
| Q3 25 | $208.7M | $325.5M | ||
| Q2 25 | $295.0M | $210.4M | ||
| Q1 25 | $420.1M | $222.7M | ||
| Q4 24 | $321.9M | $490.9M | ||
| Q3 24 | $311.3M | $374.3M | ||
| Q2 24 | $356.5M | $283.1M | ||
| Q1 24 | $341.7M | $99.3M |
自由现金流率GLIR
| Q4 25 | 21.7% | 22.1% | ||
| Q3 25 | 13.8% | 16.6% | ||
| Q2 25 | 19.9% | 11.1% | ||
| Q1 25 | 28.4% | 13.0% | ||
| Q4 24 | 22.0% | 25.9% | ||
| Q3 24 | 21.4% | 20.1% | ||
| Q2 24 | 24.8% | 15.7% | ||
| Q1 24 | 24.1% | 5.9% |
资本支出强度GLIR
| Q4 25 | 1.3% | 1.8% | ||
| Q3 25 | 6.4% | 1.5% | ||
| Q2 25 | 0.9% | 1.9% | ||
| Q1 25 | 0.8% | 2.0% | ||
| Q4 24 | 1.0% | 1.9% | ||
| Q3 24 | 2.0% | 1.6% | ||
| Q2 24 | 1.2% | 1.2% | ||
| Q1 24 | 0.6% | 3.7% |
现金转化率GLIR
| Q4 25 | 1.32× | 1.88× | ||
| Q3 25 | 0.79× | 1.45× | ||
| Q2 25 | 1.22× | — | ||
| Q1 25 | 1.70× | 1.37× | ||
| Q4 24 | 1.32× | 2.29× | ||
| Q3 24 | 1.12× | 1.82× | ||
| Q2 24 | 1.45× | 1.65× | ||
| Q1 24 | 1.38× | 0.80× |
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 Segment | $849.6M | 56% |
| Health Segment | $392.3M | 26% |
| Investment Segment | $281.4M | 19% |
IR
| Transferred At Point In Time | $1.5B | 71% |
| Transferred Over Time | $193.0M | 9% |
| Precision And Science Technologies Segment | $183.1M | 9% |
| Acquisitions In2024 | $175.6M | 8% |
| Acquisitions In2025 | $70.8M | 3% |
