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Globe Life（GL）与欧文斯科宁（OC）财务数据对比。点击上方公司名可切换其他公司
欧文斯科宁的季度营收约是Globe Life的1.4倍（$2.1B vs $1.6B），Globe Life净利率更高（17.3% vs -13.9%，领先31.3%），Globe Life同比增速更快（5.3% vs -24.6%），过去两年Globe Life的营收复合增速更高（4.1% vs -3.5%）
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。
欧文斯科宁是美国知名建材及复合材料企业，1935年由康宁玻璃厂与欧文斯-伊利诺伊公司合资组建。主营保温材料、屋面材料、玻璃纤维复合材料及相关产品，是全球最大的玻璃纤维复合材料生产商，全球员工约1.9万人，自1955年《财富》500强榜单创立以来连年上榜。
GL vs OC — 直观对比
营收规模更大
OC
是对方的1.4倍
$1.6B
营收增速更快
GL
高出29.9%
-24.6%
净利率更高
GL
高出31.3%
-13.9%
两年增速更快
GL
近两年复合增速
-3.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $2.1B |
| 净利润 | $270.5M | $-298.0M |
| 毛利率 | — | 23.2% |
| 营业利润率 | — | -10.5% |
| 净利率 | 17.3% | -13.9% |
| 营收同比 | 5.3% | -24.6% |
| 净利润同比 | 6.3% | -15.5% |
| 每股收益（稀释后） | $3.39 | $-3.47 |
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GLOC
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.5B | $2.1B | ||
| Q3 25 | $1.5B | $2.7B | ||
| Q2 25 | $1.5B | $2.7B | ||
| Q1 25 | $1.5B | $2.5B | ||
| Q4 24 | $1.5B | $2.8B | ||
| Q3 24 | $1.5B | $3.0B | ||
| Q2 24 | $1.4B | $2.8B |
净利润GLOC
| Q1 26 | $270.5M | — | ||
| Q4 25 | $266.1M | $-298.0M | ||
| Q3 25 | $387.8M | $-494.0M | ||
| Q2 25 | $252.7M | $363.0M | ||
| Q1 25 | $254.6M | $-93.0M | ||
| Q4 24 | $255.2M | $-258.0M | ||
| Q3 24 | $303.0M | $321.0M | ||
| Q2 24 | $258.4M | $285.0M |
毛利率GLOC
| Q1 26 | — | — | ||
| Q4 25 | — | 23.2% | ||
| Q3 25 | — | 28.2% | ||
| Q2 25 | — | 31.2% | ||
| Q1 25 | — | 28.7% | ||
| Q4 24 | — | 28.1% | ||
| Q3 24 | 26.1% | 29.8% | ||
| Q2 24 | 23.3% | 31.1% |
营业利润率GLOC
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | -10.5% | ||
| Q3 25 | 31.5% | -12.2% | ||
| Q2 25 | 21.2% | 18.4% | ||
| Q1 25 | 21.4% | 16.1% | ||
| Q4 24 | 21.3% | -8.5% | ||
| Q3 24 | 26.3% | 16.7% | ||
| Q2 24 | 23.5% | 16.4% |
净利率GLOC
| Q1 26 | 17.3% | — | ||
| Q4 25 | 17.5% | -13.9% | ||
| Q3 25 | 25.6% | -18.4% | ||
| Q2 25 | 17.1% | 13.2% | ||
| Q1 25 | 17.2% | -3.7% | ||
| Q4 24 | 17.4% | -9.1% | ||
| Q3 24 | 20.8% | 10.5% | ||
| Q2 24 | 17.9% | 10.2% |
每股收益（稀释后）GLOC
| Q1 26 | $3.39 | — | ||
| Q4 25 | $3.28 | $-3.47 | ||
| Q3 25 | $4.73 | $-5.92 | ||
| Q2 25 | $3.05 | $4.25 | ||
| Q1 25 | $3.01 | $-1.08 | ||
| Q4 24 | $3.00 | $-2.92 | ||
| Q3 24 | $3.44 | $3.65 | ||
| Q2 24 | $2.83 | $3.24 |
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 | $345.0M |
| 总债务越低越好 | — | $4.7B |
| 股东权益账面价值 | $6.1B | $3.9B |
| 总资产 | — | $13.0B |
| 负债/权益比越低杠杆越低 | — | 1.22× |
8季度趋势，按日历期对齐
现金及短期投资GLOC
| Q1 26 | $183.8M | — | ||
| Q4 25 | $314.7M | $345.0M | ||
| Q3 25 | $62.8M | $286.0M | ||
| Q2 25 | $116.7M | $230.0M | ||
| Q1 25 | $134.1M | $400.0M | ||
| Q4 24 | $85.0M | $361.0M | ||
| Q3 24 | $100.5M | $499.0M | ||
| Q2 24 | $100.6M | $254.0M |
总债务GLOC
| Q1 26 | — | — | ||
| Q4 25 | — | $4.7B | ||
| Q3 25 | — | $4.7B | ||
| Q2 25 | — | $5.1B | ||
| Q1 25 | — | $5.0B | ||
| Q4 24 | — | $5.1B | ||
| Q3 24 | — | $5.0B | ||
| Q2 24 | — | $5.0B |
股东权益GLOC
| Q1 26 | $6.1B | — | ||
| Q4 25 | $6.0B | $3.9B | ||
| Q3 25 | $5.7B | $4.4B | ||
| Q2 25 | $5.4B | $5.2B | ||
| Q1 25 | $5.4B | $4.9B | ||
| Q4 24 | $5.3B | $5.1B | ||
| Q3 24 | $4.6B | $5.6B | ||
| Q2 24 | $5.2B | $5.5B |
总资产GLOC
| Q1 26 | — | — | ||
| Q4 25 | $30.8B | $13.0B | ||
| Q3 25 | $30.5B | $13.5B | ||
| Q2 25 | $29.8B | $14.5B | ||
| Q1 25 | $29.7B | $14.3B | ||
| Q4 24 | $29.1B | $14.1B | ||
| Q3 24 | $29.6B | $15.1B | ||
| Q2 24 | $28.3B | $15.0B |
负债/权益比GLOC
| Q1 26 | — | — | ||
| Q4 25 | — | 1.22× | ||
| Q3 25 | — | 1.06× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.03× | ||
| Q4 24 | — | 1.01× | ||
| Q3 24 | — | 0.89× | ||
| Q2 24 | — | 0.92× |
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 | — | $590.0M |
| 自由现金流经营现金流 - 资本支出 | — | $333.0M |
| 自由现金流率自由现金流/营收 | — | 15.5% |
| 资本支出强度资本支出/营收 | — | 12.0% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $962.0M |
8季度趋势，按日历期对齐
经营现金流GLOC
| Q1 26 | — | — | ||
| Q4 25 | $350.6M | $590.0M | ||
| Q3 25 | $306.0M | $918.0M | ||
| Q2 25 | $307.9M | $327.0M | ||
| Q1 25 | $431.9M | $-49.0M | ||
| Q4 24 | $336.9M | $676.0M | ||
| Q3 24 | $340.6M | $699.0M | ||
| Q2 24 | $374.1M | $493.0M |
自由现金流GLOC
| Q1 26 | — | — | ||
| Q4 25 | $330.1M | $333.0M | ||
| Q3 25 | $208.7M | $752.0M | ||
| Q2 25 | $295.0M | $129.0M | ||
| Q1 25 | $420.1M | $-252.0M | ||
| Q4 24 | $321.9M | $479.0M | ||
| Q3 24 | $311.3M | $558.0M | ||
| Q2 24 | $356.5M | $336.0M |
自由现金流率GLOC
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 15.5% | ||
| Q3 25 | 13.8% | 28.0% | ||
| Q2 25 | 19.9% | 4.7% | ||
| Q1 25 | 28.4% | -10.0% | ||
| Q4 24 | 22.0% | 16.9% | ||
| Q3 24 | 21.4% | 18.3% | ||
| Q2 24 | 24.8% | 12.0% |
资本支出强度GLOC
| Q1 26 | — | — | ||
| Q4 25 | 1.3% | 12.0% | ||
| Q3 25 | 6.4% | 6.2% | ||
| Q2 25 | 0.9% | 7.2% | ||
| Q1 25 | 0.8% | 8.0% | ||
| Q4 24 | 1.0% | 6.9% | ||
| Q3 24 | 2.0% | 4.6% | ||
| Q2 24 | 1.2% | 5.6% |
现金转化率GLOC
| Q1 26 | — | — | ||
| Q4 25 | 1.32× | — | ||
| Q3 25 | 0.79× | — | ||
| Q2 25 | 1.22× | 0.90× | ||
| Q1 25 | 1.70× | — | ||
| Q4 24 | 1.32× | — | ||
| Q3 24 | 1.12× | 2.18× | ||
| Q2 24 | 1.45× | 1.73× |
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% |
OC
| Insulation | $724.0M | 34% |
| Residential | $625.0M | 29% |
| Doors | $427.0M | 20% |
| Discontinued Operations Disposed Of By Sale | $299.0M | 14% |
| Commercial And Industrial Sector | $101.0M | 5% |
