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Globe Life（GL）与LCI INDUSTRIES（LCII）财务数据对比。点击上方公司名可切换其他公司
Globe Life的季度营收约是LCI INDUSTRIES的1.7倍（$1.6B vs $932.7M），Globe Life净利率更高（17.3% vs 2.0%，领先15.3%），LCI INDUSTRIES同比增速更快（16.1% vs 5.3%），过去两年Globe Life的营收复合增速更高（4.1% vs -1.8%）
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。
拉奇核心工业有限公司前身为巴基斯坦帝国化学工业公司，是一家总部位于卡拉奇的巴基斯坦综合性企业集团，业务覆盖聚酯、医药、农用化学品、纯碱及兽药等多品类产品的研发生产，在巴基斯坦本土工业领域拥有重要市场地位。
GL vs LCII — 直观对比
营收规模更大
GL
是对方的1.7倍
$932.7M
营收增速更快
LCII
高出10.8%
5.3%
净利率更高
GL
高出15.3%
2.0%
两年增速更快
GL
近两年复合增速
-1.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $932.7M |
| 净利润 | $270.5M | $18.7M |
| 毛利率 | — | 22.1% |
| 营业利润率 | — | 3.8% |
| 净利率 | 17.3% | 2.0% |
| 营收同比 | 5.3% | 16.1% |
| 净利润同比 | — | 95.7% |
| 每股收益（稀释后） | $3.39 | $0.79 |
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GLLCII
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.5B | $932.7M | ||
| Q3 25 | $1.5B | $1.0B | ||
| Q2 25 | $1.5B | $1.1B | ||
| Q1 25 | $1.5B | $1.0B | ||
| Q4 24 | $1.5B | $803.1M | ||
| Q3 24 | $1.5B | $915.5M | ||
| Q2 24 | $1.4B | $1.1B |
净利润GLLCII
| Q1 26 | $270.5M | — | ||
| Q4 25 | $266.1M | $18.7M | ||
| Q3 25 | $387.8M | $62.5M | ||
| Q2 25 | $252.7M | $57.6M | ||
| Q1 25 | $254.6M | $49.4M | ||
| Q4 24 | $255.2M | $9.5M | ||
| Q3 24 | $303.0M | $35.6M | ||
| Q2 24 | $258.4M | $61.2M |
毛利率GLLCII
| Q1 26 | — | — | ||
| Q4 25 | — | 22.1% | ||
| Q3 25 | — | 24.4% | ||
| Q2 25 | — | 24.4% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | — | 21.1% | ||
| Q3 24 | 26.1% | 24.0% | ||
| Q2 24 | 23.3% | 25.3% |
营业利润率GLLCII
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 3.8% | ||
| Q3 25 | 31.5% | 7.3% | ||
| Q2 25 | 21.2% | 7.9% | ||
| Q1 25 | 21.4% | 7.8% | ||
| Q4 24 | 21.3% | 2.0% | ||
| Q3 24 | 26.3% | 5.9% | ||
| Q2 24 | 23.5% | 8.6% |
净利率GLLCII
| Q1 26 | 17.3% | — | ||
| Q4 25 | 17.5% | 2.0% | ||
| Q3 25 | 25.6% | 6.0% | ||
| Q2 25 | 17.1% | 5.2% | ||
| Q1 25 | 17.2% | 4.7% | ||
| Q4 24 | 17.4% | 1.2% | ||
| Q3 24 | 20.8% | 3.9% | ||
| Q2 24 | 17.9% | 5.8% |
每股收益（稀释后）GLLCII
| Q1 26 | $3.39 | — | ||
| Q4 25 | $3.28 | $0.79 | ||
| Q3 25 | $4.73 | $2.55 | ||
| Q2 25 | $3.05 | $2.29 | ||
| Q1 25 | $3.01 | $1.94 | ||
| Q4 24 | $3.00 | $0.37 | ||
| Q3 24 | $3.44 | $1.39 | ||
| Q2 24 | $2.83 | $2.40 |
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 | $222.6M |
| 总债务越低越好 | — | $945.2M |
| 股东权益账面价值 | $6.1B | $1.4B |
| 总资产 | — | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资GLLCII
| Q1 26 | $183.8M | — | ||
| Q4 25 | $314.7M | $222.6M | ||
| Q3 25 | $62.8M | $199.7M | ||
| Q2 25 | $116.7M | $191.9M | ||
| Q1 25 | $134.1M | $231.2M | ||
| Q4 24 | $85.0M | $165.8M | ||
| Q3 24 | $100.5M | $161.2M | ||
| Q2 24 | $100.6M | $130.4M |
总债务GLLCII
| Q1 26 | — | — | ||
| Q4 25 | — | $945.2M | ||
| Q3 25 | — | $947.8M | ||
| Q2 25 | — | $948.0M | ||
| Q1 25 | — | $938.3M | ||
| Q4 24 | — | $757.3M | ||
| Q3 24 | — | $822.5M | ||
| Q2 24 | — | $829.7M |
股东权益GLLCII
| Q1 26 | $6.1B | — | ||
| Q4 25 | $6.0B | $1.4B | ||
| Q3 25 | $5.7B | $1.4B | ||
| Q2 25 | $5.4B | $1.4B | ||
| Q1 25 | $5.4B | $1.4B | ||
| Q4 24 | $5.3B | $1.4B | ||
| Q3 24 | $4.6B | $1.4B | ||
| Q2 24 | $5.2B | $1.4B |
总资产GLLCII
| Q1 26 | — | — | ||
| Q4 25 | $30.8B | $3.2B | ||
| Q3 25 | $30.5B | $3.2B | ||
| Q2 25 | $29.8B | $3.2B | ||
| Q1 25 | $29.7B | $3.1B | ||
| Q4 24 | $29.1B | $2.9B | ||
| Q3 24 | $29.6B | $3.0B | ||
| Q2 24 | $28.3B | $3.0B |
负债/权益比GLLCII
| Q1 26 | — | — | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.70× | ||
| Q2 25 | — | 0.68× | ||
| Q1 25 | — | 0.69× | ||
| Q4 24 | — | 0.55× | ||
| Q3 24 | — | 0.58× | ||
| Q2 24 | — | 0.60× |
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 | — | $78.9M |
| 自由现金流经营现金流 - 资本支出 | — | $64.3M |
| 自由现金流率自由现金流/营收 | — | 6.9% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | — | 4.22× |
| 过去12个月自由现金流最近4个季度 | — | $278.3M |
8季度趋势，按日历期对齐
经营现金流GLLCII
| Q1 26 | — | — | ||
| Q4 25 | $350.6M | $78.9M | ||
| Q3 25 | $306.0M | $97.2M | ||
| Q2 25 | $307.9M | $112.2M | ||
| Q1 25 | $431.9M | $42.7M | ||
| Q4 24 | $336.9M | $106.6M | ||
| Q3 24 | $340.6M | $78.4M | ||
| Q2 24 | $374.1M | $192.9M |
自由现金流GLLCII
| Q1 26 | — | — | ||
| Q4 25 | $330.1M | $64.3M | ||
| Q3 25 | $208.7M | $80.9M | ||
| Q2 25 | $295.0M | $99.5M | ||
| Q1 25 | $420.1M | $33.7M | ||
| Q4 24 | $321.9M | $95.7M | ||
| Q3 24 | $311.3M | $68.3M | ||
| Q2 24 | $356.5M | $180.2M |
自由现金流率GLLCII
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 6.9% | ||
| Q3 25 | 13.8% | 7.8% | ||
| Q2 25 | 19.9% | 9.0% | ||
| Q1 25 | 28.4% | 3.2% | ||
| Q4 24 | 22.0% | 11.9% | ||
| Q3 24 | 21.4% | 7.5% | ||
| Q2 24 | 24.8% | 17.1% |
资本支出强度GLLCII
| Q1 26 | — | — | ||
| Q4 25 | 1.3% | 1.6% | ||
| Q3 25 | 6.4% | 1.6% | ||
| Q2 25 | 0.9% | 1.2% | ||
| Q1 25 | 0.8% | 0.9% | ||
| Q4 24 | 1.0% | 1.4% | ||
| Q3 24 | 2.0% | 1.1% | ||
| Q2 24 | 1.2% | 1.2% |
现金转化率GLLCII
| Q1 26 | — | — | ||
| Q4 25 | 1.32× | 4.22× | ||
| Q3 25 | 0.79× | 1.55× | ||
| Q2 25 | 1.22× | 1.95× | ||
| Q1 25 | 1.70× | 0.86× | ||
| Q4 24 | 1.32× | 11.17× | ||
| Q3 24 | 1.12× | 2.20× | ||
| Q2 24 | 1.45× | 3.15× |
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% |
LCII
| Travel Trailer And Fifth Wheels | $378.4M | 41% |
| Chassis Chassis Partsand Slideout Mechanisms | $206.1M | 22% |
| Furnitureand Mattresses | $120.4M | 13% |
| Appliances | $69.9M | 7% |
| Other Products | $69.1M | 7% |
| Axlesand Suspension Solutions | $62.3M | 7% |
| Motorhomes | $34.2M | 4% |
