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Globe Life（GL）与Toast, Inc.（TOST）财务数据对比。点击上方公司名可切换其他公司
Toast, Inc.的季度营收约是Globe Life的1.0倍（$1.6B vs $1.6B），Globe Life净利率更高（17.3% vs 6.2%，领先11.2%），Toast, Inc.同比增速更快（22.0% vs 5.3%），过去两年Toast, Inc.的营收复合增速更高（23.3% 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。
Toast, Inc.是总部位于美国马萨诸塞州波士顿的云餐饮管理软件企业，主打基于安卓操作系统研发的一体化销售点（POS）系统，可为餐饮商家提供涵盖收银、订单管理等在内的全场景门店经营解决方案。
GL vs TOST — 直观对比
营收规模更大
TOST
是对方的1.0倍
$1.6B
营收增速更快
TOST
高出16.7%
5.3%
净利率更高
GL
高出11.2%
6.2%
两年增速更快
TOST
近两年复合增速
4.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $1.6B |
| 净利润 | $270.5M | $101.0M |
| 毛利率 | — | 25.9% |
| 营业利润率 | — | 5.2% |
| 净利率 | 17.3% | 6.2% |
| 营收同比 | 5.3% | 22.0% |
| 净利润同比 | 6.3% | 215.6% |
| 每股收益（稀释后） | $3.39 | $0.18 |
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GLTOST
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.5B | $1.6B | ||
| Q3 25 | $1.5B | $1.6B | ||
| Q2 25 | $1.5B | $1.6B | ||
| Q1 25 | $1.5B | $1.3B | ||
| Q4 24 | $1.5B | $1.3B | ||
| Q3 24 | $1.5B | $1.3B | ||
| Q2 24 | $1.4B | $1.2B |
净利润GLTOST
| Q1 26 | $270.5M | — | ||
| Q4 25 | $266.1M | $101.0M | ||
| Q3 25 | $387.8M | $105.0M | ||
| Q2 25 | $252.7M | $80.0M | ||
| Q1 25 | $254.6M | $56.0M | ||
| Q4 24 | $255.2M | $32.0M | ||
| Q3 24 | $303.0M | $56.0M | ||
| Q2 24 | $258.4M | $14.0M |
毛利率GLTOST
| Q1 26 | — | — | ||
| Q4 25 | — | 25.9% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | 26.1% | 24.7% | ||
| Q2 24 | 23.3% | 23.0% |
营业利润率GLTOST
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 5.2% | ||
| Q3 25 | 31.5% | 5.1% | ||
| Q2 25 | 21.2% | 5.2% | ||
| Q1 25 | 21.4% | 3.2% | ||
| Q4 24 | 21.3% | 2.5% | ||
| Q3 24 | 26.3% | 2.6% | ||
| Q2 24 | 23.5% | 0.4% |
净利率GLTOST
| Q1 26 | 17.3% | — | ||
| Q4 25 | 17.5% | 6.2% | ||
| Q3 25 | 25.6% | 6.4% | ||
| Q2 25 | 17.1% | 5.2% | ||
| Q1 25 | 17.2% | 4.2% | ||
| Q4 24 | 17.4% | 2.4% | ||
| Q3 24 | 20.8% | 4.3% | ||
| Q2 24 | 17.9% | 1.1% |
每股收益（稀释后）GLTOST
| Q1 26 | $3.39 | — | ||
| Q4 25 | $3.28 | $0.18 | ||
| Q3 25 | $4.73 | $0.16 | ||
| Q2 25 | $3.05 | $0.13 | ||
| Q1 25 | $3.01 | $0.09 | ||
| Q4 24 | $3.00 | $0.09 | ||
| Q3 24 | $3.44 | $0.07 | ||
| Q2 24 | $2.83 | $0.02 |
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 | $1.4B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $6.1B | $2.1B |
| 总资产 | — | $3.1B |
| 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GLTOST
| Q1 26 | $183.8M | — | ||
| Q4 25 | $314.7M | $1.4B | ||
| Q3 25 | $62.8M | $1.4B | ||
| Q2 25 | $116.7M | $1.2B | ||
| Q1 25 | $134.1M | $1.0B | ||
| Q4 24 | $85.0M | $903.0M | ||
| Q3 24 | $100.5M | $761.0M | ||
| Q2 24 | $100.6M | $691.0M |
股东权益GLTOST
| Q1 26 | $6.1B | — | ||
| Q4 25 | $6.0B | $2.1B | ||
| Q3 25 | $5.7B | $2.0B | ||
| Q2 25 | $5.4B | $1.8B | ||
| Q1 25 | $5.4B | $1.7B | ||
| Q4 24 | $5.3B | $1.5B | ||
| Q3 24 | $4.6B | $1.4B | ||
| Q2 24 | $5.2B | $1.3B |
总资产GLTOST
| Q1 26 | — | — | ||
| Q4 25 | $30.8B | $3.1B | ||
| Q3 25 | $30.5B | $3.0B | ||
| Q2 25 | $29.8B | $2.8B | ||
| Q1 25 | $29.7B | $2.6B | ||
| Q4 24 | $29.1B | $2.4B | ||
| Q3 24 | $29.6B | $2.2B | ||
| Q2 24 | $28.3B | $2.2B |
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 | — | $194.0M |
| 自由现金流经营现金流 - 资本支出 | — | $178.0M |
| 自由现金流率自由现金流/营收 | — | 10.9% |
| 资本支出强度资本支出/营收 | — | 1.0% |
| 现金转化率经营现金流/净利润 | — | 1.92× |
| 过去12个月自由现金流最近4个季度 | — | $608.0M |
8季度趋势，按日历期对齐
经营现金流GLTOST
| Q1 26 | — | — | ||
| Q4 25 | $350.6M | $194.0M | ||
| Q3 25 | $306.0M | $165.0M | ||
| Q2 25 | $307.9M | $223.0M | ||
| Q1 25 | $431.9M | $79.0M | ||
| Q4 24 | $336.9M | $147.0M | ||
| Q3 24 | $340.6M | $109.0M | ||
| Q2 24 | $374.1M | $124.0M |
自由现金流GLTOST
| Q1 26 | — | — | ||
| Q4 25 | $330.1M | $178.0M | ||
| Q3 25 | $208.7M | $153.0M | ||
| Q2 25 | $295.0M | $208.0M | ||
| Q1 25 | $420.1M | $69.0M | ||
| Q4 24 | $321.9M | $134.0M | ||
| Q3 24 | $311.3M | $97.0M | ||
| Q2 24 | $356.5M | $108.0M |
自由现金流率GLTOST
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 10.9% | ||
| Q3 25 | 13.8% | 9.4% | ||
| Q2 25 | 19.9% | 13.4% | ||
| Q1 25 | 28.4% | 5.2% | ||
| Q4 24 | 22.0% | 10.0% | ||
| Q3 24 | 21.4% | 7.4% | ||
| Q2 24 | 24.8% | 8.7% |
资本支出强度GLTOST
| Q1 26 | — | — | ||
| Q4 25 | 1.3% | 1.0% | ||
| Q3 25 | 6.4% | 0.7% | ||
| Q2 25 | 0.9% | 1.0% | ||
| Q1 25 | 0.8% | 0.7% | ||
| Q4 24 | 1.0% | 1.0% | ||
| Q3 24 | 2.0% | 0.9% | ||
| Q2 24 | 1.2% | 1.3% |
现金转化率GLTOST
| Q1 26 | — | — | ||
| Q4 25 | 1.32× | 1.92× | ||
| Q3 25 | 0.79× | 1.57× | ||
| Q2 25 | 1.22× | 2.79× | ||
| Q1 25 | 1.70× | 1.41× | ||
| Q4 24 | 1.32× | 4.59× | ||
| Q3 24 | 1.12× | 1.95× | ||
| Q2 24 | 1.45× | 8.86× |
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% |
TOST
| Technology Service | $1.3B | 82% |
| License | $256.0M | 16% |
| Product And Professional Services | $43.0M | 3% |
