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Globe Life（GL）与UNIVERSAL CORP（UVV）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UNIVERSAL CORP的1.8倍（$1.6B vs $853.2M），Globe Life净利率更高（17.3% vs 3.9%，领先13.4%），Globe Life同比增速更快（5.3% vs -8.1%），过去两年UNIVERSAL CORP的营收复合增速更高（6.2% 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。
环球技术学院（UTI）是美国一家营利性私立技术院校体系，由罗伯特·斯威特于1965年创立，专注于为全美各地学生提供专业职业技术教育培训。
GL vs UVV — 直观对比
营收规模更大
GL
是对方的1.8倍
$853.2M
营收增速更快
GL
高出13.4%
-8.1%
净利率更高
GL
高出13.4%
3.9%
两年增速更快
UVV
近两年复合增速
4.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $853.2M |
| 净利润 | $270.5M | $33.2M |
| 毛利率 | — | 17.8% |
| 营业利润率 | — | 9.6% |
| 净利率 | 17.3% | 3.9% |
| 营收同比 | 5.3% | -8.1% |
| 净利润同比 | 6.3% | -44.2% |
| 每股收益（稀释后） | $3.39 | $1.32 |
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GLUVV
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.5B | $853.2M | ||
| Q3 25 | $1.5B | $749.4M | ||
| Q2 25 | $1.5B | $592.6M | ||
| Q1 25 | $1.5B | $690.2M | ||
| Q4 24 | $1.5B | $928.0M | ||
| Q3 24 | $1.5B | $708.4M | ||
| Q2 24 | $1.4B | $596.4M |
净利润GLUVV
| Q1 26 | $270.5M | — | ||
| Q4 25 | $266.1M | $33.2M | ||
| Q3 25 | $387.8M | $34.2M | ||
| Q2 25 | $252.7M | $8.5M | ||
| Q1 25 | $254.6M | $9.3M | ||
| Q4 24 | $255.2M | $59.6M | ||
| Q3 24 | $303.0M | $25.9M | ||
| Q2 24 | $258.4M | $130.0K |
毛利率GLUVV
| Q1 26 | — | — | ||
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 18.0% | ||
| Q2 25 | — | 19.1% | ||
| Q1 25 | — | 15.1% | ||
| Q4 24 | — | 19.9% | ||
| Q3 24 | 26.1% | 19.9% | ||
| Q2 24 | 23.3% | 16.0% |
营业利润率GLUVV
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 9.6% | ||
| Q3 25 | 31.5% | 9.0% | ||
| Q2 25 | 21.2% | 5.7% | ||
| Q1 25 | 21.4% | 6.2% | ||
| Q4 24 | 21.3% | 11.2% | ||
| Q3 24 | 26.3% | 9.7% | ||
| Q2 24 | 23.5% | 2.9% |
净利率GLUVV
| Q1 26 | 17.3% | — | ||
| Q4 25 | 17.5% | 3.9% | ||
| Q3 25 | 25.6% | 4.6% | ||
| Q2 25 | 17.1% | 1.4% | ||
| Q1 25 | 17.2% | 1.4% | ||
| Q4 24 | 17.4% | 6.4% | ||
| Q3 24 | 20.8% | 3.7% | ||
| Q2 24 | 17.9% | 0.0% |
每股收益（稀释后）GLUVV
| Q1 26 | $3.39 | — | ||
| Q4 25 | $3.28 | $1.32 | ||
| Q3 25 | $4.73 | $1.36 | ||
| Q2 25 | $3.05 | $0.34 | ||
| Q1 25 | $3.01 | $0.37 | ||
| Q4 24 | $3.00 | $2.37 | ||
| Q3 24 | $3.44 | $1.03 | ||
| Q2 24 | $2.83 | $0.01 |
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 | $85.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $6.1B | $1.5B |
| 总资产 | — | $3.0B |
| 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GLUVV
| Q1 26 | $183.8M | — | ||
| Q4 25 | $314.7M | $85.2M | ||
| Q3 25 | $62.8M | $88.7M | ||
| Q2 25 | $116.7M | $178.4M | ||
| Q1 25 | $134.1M | $260.1M | ||
| Q4 24 | $85.0M | $215.1M | ||
| Q3 24 | $100.5M | $80.1M | ||
| Q2 24 | $100.6M | $101.7M |
股东权益GLUVV
| Q1 26 | $6.1B | — | ||
| Q4 25 | $6.0B | $1.5B | ||
| Q3 25 | $5.7B | $1.5B | ||
| Q2 25 | $5.4B | $1.5B | ||
| Q1 25 | $5.4B | $1.5B | ||
| Q4 24 | $5.3B | $1.5B | ||
| Q3 24 | $4.6B | $1.4B | ||
| Q2 24 | $5.2B | $1.4B |
总资产GLUVV
| Q1 26 | — | — | ||
| Q4 25 | $30.8B | $3.0B | ||
| Q3 25 | $30.5B | $3.1B | ||
| Q2 25 | $29.8B | $3.2B | ||
| Q1 25 | $29.7B | $3.0B | ||
| Q4 24 | $29.1B | $3.0B | ||
| Q3 24 | $29.6B | $3.0B | ||
| Q2 24 | $28.3B | $3.0B |
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 | — | $114.3M |
| 自由现金流经营现金流 - 资本支出 | — | $95.1M |
| 自由现金流率自由现金流/营收 | — | 11.1% |
| 资本支出强度资本支出/营收 | — | 2.3% |
| 现金转化率经营现金流/净利润 | — | 3.44× |
| 过去12个月自由现金流最近4个季度 | — | $52.7M |
8季度趋势，按日历期对齐
经营现金流GLUVV
| Q1 26 | — | — | ||
| Q4 25 | $350.6M | $114.3M | ||
| Q3 25 | $306.0M | $32.7M | ||
| Q2 25 | $307.9M | $-205.1M | ||
| Q1 25 | $431.9M | $158.7M | ||
| Q4 24 | $336.9M | $215.6M | ||
| Q3 24 | $340.6M | $15.0M | ||
| Q2 24 | $374.1M | $-62.4M |
自由现金流GLUVV
| Q1 26 | — | — | ||
| Q4 25 | $330.1M | $95.1M | ||
| Q3 25 | $208.7M | $23.7M | ||
| Q2 25 | $295.0M | $-217.2M | ||
| Q1 25 | $420.1M | $151.0M | ||
| Q4 24 | $321.9M | $199.6M | ||
| Q3 24 | $311.3M | $-1.0M | ||
| Q2 24 | $356.5M | $-85.2M |
自由现金流率GLUVV
| Q1 26 | — | — | ||
| Q4 25 | 21.7% | 11.1% | ||
| Q3 25 | 13.8% | 3.2% | ||
| Q2 25 | 19.9% | -36.6% | ||
| Q1 25 | 28.4% | 21.9% | ||
| Q4 24 | 22.0% | 21.5% | ||
| Q3 24 | 21.4% | -0.1% | ||
| Q2 24 | 24.8% | -14.3% |
资本支出强度GLUVV
| Q1 26 | — | — | ||
| Q4 25 | 1.3% | 2.3% | ||
| Q3 25 | 6.4% | 1.2% | ||
| Q2 25 | 0.9% | 2.0% | ||
| Q1 25 | 0.8% | 1.1% | ||
| Q4 24 | 1.0% | 1.7% | ||
| Q3 24 | 2.0% | 2.3% | ||
| Q2 24 | 1.2% | 3.8% |
现金转化率GLUVV
| Q1 26 | — | — | ||
| Q4 25 | 1.32× | 3.44× | ||
| Q3 25 | 0.79× | 0.96× | ||
| Q2 25 | 1.22× | -24.14× | ||
| Q1 25 | 1.70× | 17.00× | ||
| Q4 24 | 1.32× | 3.62× | ||
| Q3 24 | 1.12× | 0.58× | ||
| Q2 24 | 1.45× | -480.34× |
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% |
UVV
| Tobacco Operations | $779.9M | 91% |
| Service Other | $36.7M | 4% |
| Other | $17.8M | 2% |
