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大都会人寿（MET）与托罗公司（TTC）财务数据对比。点击上方公司名可切换其他公司
托罗公司的季度营收约是大都会人寿的1.9倍（$1.1B vs $600.0M），大都会人寿净利率更高（134.8% vs 4.7%，领先130.1%），大都会人寿同比增速更快（7.9% vs -2.2%），过去两年大都会人寿的营收复合增速更高（2.0% vs -8.1%）
大都会人寿（MetLife）是全球规模领先的保险、年金及员工福利服务提供商之一，创立于1868年，业务覆盖超60个国家和地区，服务约9000万客户，2018年位列《财富》美国500强营收排行榜第43位。
托罗公司是一家总部位于美国明尼苏达州明尼阿波利斯郊区布卢明顿的企业，专注于设计、生产及销售割草机、吹雪机、灌溉系统配件等产品，广泛覆盖商业、民用、农业及公共部门等多个领域的使用需求。
MET vs TTC — 直观对比
营收规模更大
TTC
是对方的1.9倍
$600.0M
营收增速更快
MET
高出10.1%
-2.2%
净利率更高
MET
高出130.1%
4.7%
两年增速更快
MET
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $600.0M | $1.1B |
| 净利润 | $809.0M | $53.5M |
| 毛利率 | — | 33.7% |
| 营业利润率 | — | 5.7% |
| 净利率 | 134.8% | 4.7% |
| 营收同比 | 7.9% | -2.2% |
| 净利润同比 | -36.3% | -55.2% |
| 每股收益（稀释后） | $1.18 | $0.54 |
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METTTC
| Q4 25 | $600.0M | — | ||
| Q3 25 | $621.0M | $1.1B | ||
| Q2 25 | $604.0M | $1.3B | ||
| Q1 25 | $611.0M | $995.0M | ||
| Q4 24 | $556.0M | — | ||
| Q3 24 | $554.0M | $1.2B | ||
| Q2 24 | $558.0M | $1.3B | ||
| Q1 24 | $577.0M | $1.0B |
净利润METTTC
| Q4 25 | $809.0M | — | ||
| Q3 25 | $896.0M | $53.5M | ||
| Q2 25 | $729.0M | $136.8M | ||
| Q1 25 | $945.0M | $52.8M | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.3B | $119.3M | ||
| Q2 24 | $946.0M | $144.8M | ||
| Q1 24 | $867.0M | $64.9M |
毛利率METTTC
| Q4 25 | — | — | ||
| Q3 25 | — | 33.7% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 33.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 34.8% | ||
| Q2 24 | — | 33.6% | ||
| Q1 24 | — | 34.4% |
营业利润率METTTC
| Q4 25 | — | — | ||
| Q3 25 | — | 5.7% | ||
| Q2 25 | — | 13.3% | ||
| Q1 25 | — | 7.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 12.8% | ||
| Q2 24 | — | 13.9% | ||
| Q1 24 | — | 8.8% |
净利率METTTC
| Q4 25 | 134.8% | — | ||
| Q3 25 | 144.3% | 4.7% | ||
| Q2 25 | 120.7% | 10.4% | ||
| Q1 25 | 154.7% | 5.3% | ||
| Q4 24 | 228.6% | — | ||
| Q3 24 | 242.2% | 10.3% | ||
| Q2 24 | 169.5% | 10.7% | ||
| Q1 24 | 150.3% | 6.5% |
每股收益（稀释后）METTTC
| Q4 25 | $1.18 | — | ||
| Q3 25 | $1.22 | $0.54 | ||
| Q2 25 | $1.03 | $1.37 | ||
| Q1 25 | $1.28 | $0.52 | ||
| Q4 24 | $1.75 | — | ||
| Q3 24 | $1.81 | $1.14 | ||
| Q2 24 | $1.28 | $1.38 | ||
| Q1 24 | $1.10 | $0.62 |
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 | $25.6B | — |
| 总债务越低越好 | — | $1.0B |
| 股东权益账面价值 | $28.4B | $1.4B |
| 总资产 | $745.2B | $3.5B |
| 负债/权益比越低杠杆越低 | — | 0.73× |
8季度趋势，按日历期对齐
现金及短期投资METTTC
| Q4 25 | $25.6B | — | ||
| Q3 25 | $26.2B | — | ||
| Q2 25 | $27.5B | — | ||
| Q1 25 | $26.9B | — | ||
| Q4 24 | $25.2B | — | ||
| Q3 24 | $26.4B | — | ||
| Q2 24 | $24.6B | — | ||
| Q1 24 | $24.7B | — |
总债务METTTC
| Q4 25 | — | — | ||
| Q3 25 | — | $1.0B | ||
| Q2 25 | — | $1.1B | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $991.9M | ||
| Q2 24 | — | $1.0B | ||
| Q1 24 | — | $1.2B |
股东权益METTTC
| Q4 25 | $28.4B | — | ||
| Q3 25 | $28.9B | $1.4B | ||
| Q2 25 | $27.7B | $1.5B | ||
| Q1 25 | $27.5B | $1.5B | ||
| Q4 24 | $27.4B | — | ||
| Q3 24 | $30.9B | $1.6B | ||
| Q2 24 | $27.3B | $1.7B | ||
| Q1 24 | $28.5B | $1.5B |
总资产METTTC
| Q4 25 | $745.2B | — | ||
| Q3 25 | $719.7B | $3.5B | ||
| Q2 25 | $702.5B | $3.8B | ||
| Q1 25 | $688.3B | $3.7B | ||
| Q4 24 | $677.5B | — | ||
| Q3 24 | $705.0B | $3.7B | ||
| Q2 24 | $675.7B | $3.9B | ||
| Q1 24 | $677.6B | $3.8B |
负债/权益比METTTC
| Q4 25 | — | — | ||
| Q3 25 | — | 0.73× | ||
| Q2 25 | — | 0.74× | ||
| Q1 25 | — | 0.75× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.61× | ||
| Q2 24 | — | 0.62× | ||
| Q1 24 | — | 0.77× |
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 | $7.1B | $225.8M |
| 自由现金流经营现金流 - 资本支出 | — | $207.2M |
| 自由现金流率自由现金流/营收 | — | 18.3% |
| 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 | 8.75× | 4.22× |
| 过去12个月自由现金流最近4个季度 | — | $462.5M |
8季度趋势，按日历期对齐
经营现金流METTTC
| Q4 25 | $7.1B | — | ||
| Q3 25 | $3.6B | $225.8M | ||
| Q2 25 | $2.2B | $171.7M | ||
| Q1 25 | $4.3B | $-48.6M | ||
| Q4 24 | $4.6B | — | ||
| Q3 24 | $4.2B | $194.7M | ||
| Q2 24 | $3.5B | $227.3M | ||
| Q1 24 | $2.3B | $-92.2M |
自由现金流METTTC
| Q4 25 | — | — | ||
| Q3 25 | — | $207.2M | ||
| Q2 25 | — | $152.4M | ||
| Q1 25 | — | $-67.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $170.6M | ||
| Q2 24 | — | $206.9M | ||
| Q1 24 | — | $-111.3M |
自由现金流率METTTC
| Q4 25 | — | — | ||
| Q3 25 | — | 18.3% | ||
| Q2 25 | — | 11.6% | ||
| Q1 25 | — | -6.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 14.7% | ||
| Q2 24 | — | 15.3% | ||
| Q1 24 | — | -11.1% |
资本支出强度METTTC
| Q4 25 | — | — | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | 1.9% |
现金转化率METTTC
| Q4 25 | 8.75× | — | ||
| Q3 25 | 3.98× | 4.22× | ||
| Q2 25 | 3.00× | 1.26× | ||
| Q1 25 | 4.51× | -0.92× | ||
| Q4 24 | 3.63× | — | ||
| Q3 24 | 3.11× | 1.63× | ||
| Q2 24 | 3.69× | 1.57× | ||
| Q1 24 | 2.69× | -1.42× |
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
MET
| Other | $165.0M | 28% |
| Prepaidlegalplansandadministrativeonlycontracts | $158.0M | 26% |
| Vision Fee For Service Arrangements | $140.0M | 23% |
| Administrative Service | $76.0M | 13% |
| Distribution Service | $36.0M | 6% |
| Feebasedinvestmentmanagementservices | $25.0M | 4% |
TTC
| Equipment Products And Services | $815.7M | 72% |
| Residential Segment | $192.8M | 17% |
| Irrigation | $115.1M | 10% |
