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Globe Life（GL）与Insulet Corporation（PODD）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Insulet Corporation的2.0倍（$1.6B vs $783.7M），Globe Life净利率更高（17.3% vs 13.0%，领先4.4%），Insulet Corporation同比增速更快（31.2% vs 5.3%），过去两年Insulet Corporation的营收复合增速更高（33.2% vs 4.1%）
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。
Insulet Corporation是深耕糖尿病治疗领域的医疗器械企业，核心产品为胰岛素泵，通过持续皮下输注胰岛素的疗法为患者给药。其产品通常由泵主体、一次性胰岛素储药仓，以及包含皮下植入套管和连接管路的一次性输注套件构成，满足不同患者的治疗需求。
GL vs PODD — 直观对比
营收规模更大
GL
是对方的2.0倍
$783.7M
营收增速更快
PODD
高出25.8%
5.3%
净利率更高
GL
高出4.4%
13.0%
两年增速更快
PODD
近两年复合增速
4.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $783.7M |
| 净利润 | $270.5M | $101.6M |
| 毛利率 | — | 72.6% |
| 营业利润率 | — | 18.7% |
| 净利率 | 17.3% | 13.0% |
| 营收同比 | 5.3% | 31.2% |
| 净利润同比 | 6.3% | 0.9% |
| 每股收益（稀释后） | $3.39 | $1.42 |
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GLPODD
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.5B | $783.7M | ||
| Q3 25 | $1.5B | $706.3M | ||
| Q2 25 | $1.5B | $649.1M | ||
| Q1 25 | $1.5B | $569.0M | ||
| Q4 24 | $1.5B | $597.5M | ||
| Q3 24 | $1.5B | $543.9M | ||
| Q2 24 | $1.4B | $488.5M |
净利润GLPODD
| Q1 26 | $270.5M | — | ||
| Q4 25 | $266.1M | $101.6M | ||
| Q3 25 | $387.8M | $87.6M | ||
| Q2 25 | $252.7M | $22.5M | ||
| Q1 25 | $254.6M | $35.4M | ||
| Q4 24 | $255.2M | $100.7M | ||
| Q3 24 | $303.0M | $77.5M | ||
| Q2 24 | $258.4M | $188.6M |
毛利率GLPODD
| Q1 26 | — | — | ||
| Q4 25 | — | 72.6% | ||
| Q3 25 | — | 72.2% | ||
| Q2 25 | — | 69.7% | ||
| Q1 25 | — | 71.9% | ||
| Q4 24 | — | 72.1% | ||
| Q3 24 | 26.1% | 69.3% | ||
| Q2 24 | 23.3% | 67.7% |
营业利润率GLPODD
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 18.7% | ||
| Q3 25 | 31.5% | 16.7% | ||
| Q2 25 | 21.2% | 18.7% | ||
| Q1 25 | 21.4% | 15.6% | ||
| Q4 24 | 21.3% | 18.3% | ||
| Q3 24 | 26.3% | 16.2% | ||
| Q2 24 | 23.5% | 11.2% |
净利率GLPODD
| Q1 26 | 17.3% | — | ||
| Q4 25 | 17.5% | 13.0% | ||
| Q3 25 | 25.6% | 12.4% | ||
| Q2 25 | 17.1% | 3.5% | ||
| Q1 25 | 17.2% | 6.2% | ||
| Q4 24 | 17.4% | 16.9% | ||
| Q3 24 | 20.8% | 14.2% | ||
| Q2 24 | 17.9% | 38.6% |
每股收益（稀释后）GLPODD
| Q1 26 | $3.39 | — | ||
| Q4 25 | $3.28 | $1.42 | ||
| Q3 25 | $4.73 | $1.24 | ||
| Q2 25 | $3.05 | $0.32 | ||
| Q1 25 | $3.01 | $0.50 | ||
| Q4 24 | $3.00 | $1.38 | ||
| Q3 24 | $3.44 | $1.08 | ||
| Q2 24 | $2.83 | $2.59 |
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 | — |
| 总债务越低越好 | — | $930.8M |
| 股东权益账面价值 | $6.1B | $1.5B |
| 总资产 | — | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.61× |
8季度趋势，按日历期对齐
现金及短期投资GLPODD
| Q1 26 | $183.8M | — | ||
| Q4 25 | $314.7M | — | ||
| Q3 25 | $62.8M | — | ||
| Q2 25 | $116.7M | — | ||
| Q1 25 | $134.1M | — | ||
| Q4 24 | $85.0M | — | ||
| Q3 24 | $100.5M | — | ||
| Q2 24 | $100.6M | — |
总债务GLPODD
| Q1 26 | — | — | ||
| Q4 25 | — | $930.8M | ||
| Q3 25 | — | $934.9M | ||
| Q2 25 | — | $939.0M | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.4B |
股东权益GLPODD
| Q1 26 | $6.1B | — | ||
| Q4 25 | $6.0B | $1.5B | ||
| Q3 25 | $5.7B | $1.4B | ||
| Q2 25 | $5.4B | $1.5B | ||
| Q1 25 | $5.4B | $1.3B | ||
| Q4 24 | $5.3B | $1.2B | ||
| Q3 24 | $4.6B | $1.1B | ||
| Q2 24 | $5.2B | $998.4M |
总资产GLPODD
| Q1 26 | — | — | ||
| Q4 25 | $30.8B | $3.2B | ||
| Q3 25 | $30.5B | $3.0B | ||
| Q2 25 | $29.8B | $3.5B | ||
| Q1 25 | $29.7B | $3.5B | ||
| Q4 24 | $29.1B | $3.1B | ||
| Q3 24 | $29.6B | $3.0B | ||
| Q2 24 | $28.3B | $2.9B |
负债/权益比GLPODD
| Q1 26 | — | — | ||
| Q4 25 | — | 0.61× | ||
| Q3 25 | — | 0.68× | ||
| Q2 25 | — | 0.64× | ||
| Q1 25 | — | 1.21× | ||
| Q4 24 | — | 1.07× | ||
| Q3 24 | — | 1.21× | ||
| Q2 24 | — | 1.36× |
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 | — | $183.3M |
| 自由现金流经营现金流 - 资本支出 | — | $48.2M |
| 自由现金流率自由现金流/营收 | — | 6.2% |
| 资本支出强度资本支出/营收 | — | 17.2% |
| 现金转化率经营现金流/净利润 | — | 1.80× |
| 过去12个月自由现金流最近4个季度 | — | $377.7M |
8季度趋势，按日历期对齐
经营现金流GLPODD
| Q1 26 | — | — | ||
| Q4 25 | $350.6M | $183.3M | ||
| Q3 25 | $306.0M | $125.7M | ||
| Q2 25 | $307.9M | $196.5M | ||
| Q1 25 | $431.9M | $63.8M | ||
| Q4 24 | $336.9M | $147.7M | ||
| Q3 24 | $340.6M | $98.5M | ||
| Q2 24 | $374.1M | $96.5M |
自由现金流GLPODD
| Q1 26 | — | — | ||
| Q4 25 | $330.1M | $48.2M | ||
| Q3 25 | $208.7M | $100.1M | ||
| Q2 25 | $295.0M | $177.9M | ||
| Q1 25 | $420.1M | $51.5M | ||
| Q4 24 | $321.9M | $94.1M | ||
| Q3 24 | $311.3M | $71.8M | ||
| Q2 24 | $356.5M | $74.0M |
自由现金流率GLPODD
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 6.2% | ||
| Q3 25 | 13.8% | 14.2% | ||
| Q2 25 | 19.9% | 27.4% | ||
| Q1 25 | 28.4% | 9.1% | ||
| Q4 24 | 22.0% | 15.7% | ||
| Q3 24 | 21.4% | 13.2% | ||
| Q2 24 | 24.8% | 15.1% |
资本支出强度GLPODD
| Q1 26 | — | — | ||
| Q4 25 | 1.3% | 17.2% | ||
| Q3 25 | 6.4% | 3.6% | ||
| Q2 25 | 0.9% | 2.9% | ||
| Q1 25 | 0.8% | 2.2% | ||
| Q4 24 | 1.0% | 9.0% | ||
| Q3 24 | 2.0% | 4.9% | ||
| Q2 24 | 1.2% | 4.6% |
现金转化率GLPODD
| Q1 26 | — | — | ||
| Q4 25 | 1.32× | 1.80× | ||
| Q3 25 | 0.79× | 1.43× | ||
| Q2 25 | 1.22× | 8.73× | ||
| Q1 25 | 1.70× | 1.80× | ||
| Q4 24 | 1.32× | 1.47× | ||
| Q3 24 | 1.12× | 1.27× | ||
| Q2 24 | 1.45× | 0.51× |
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% |
PODD
| U.S.Omnipod | $567.8M | 72% |
| International Omnipod | $214.0M | 27% |
| Drug Delivery | $1.9M | 0% |
