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Unum Group（UNM）与Workday, Inc.（WDAY）财务数据对比。点击上方公司名可切换其他公司
Unum Group的季度营收约是Workday, Inc.的1.4倍（$3.4B vs $2.4B），Workday, Inc.净利率更高（10.4% vs 6.9%，领先3.4%），Workday, Inc.同比增速更快（12.6% vs 8.5%），过去两年Workday, Inc.的营收复合增速更高（12.5% vs 1.9%）
Unum Group是美国财富500强保险企业，总部位于田纳西州查塔努加，前身为1848年成立的联合相互保险公司，1999年合并后曾用名UnumProvident至2007年。集团现设四大业务板块，覆盖美、英、波兰市场，旗下承保主体包括保罗里维尔人寿保险、普罗维登斯人伤意外险公司等。
Workday是全球领先的企业级云软件供应商，核心产品覆盖人力资本管理、财务管理及企业资源规划解决方案，主要服务教育、医疗、金融、科技等行业的中大型机构，业务遍布北美、欧洲、亚太等全球主要市场。
UNM vs WDAY — 直观对比
营收规模更大
UNM
是对方的1.4倍
$2.4B
营收增速更快
WDAY
高出4.1%
8.5%
净利率更高
WDAY
高出3.4%
6.9%
两年增速更快
WDAY
近两年复合增速
1.9%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $2.4B |
| 净利润 | $232.0M | $252.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 10.6% |
| 净利率 | 6.9% | 10.4% |
| 营收同比 | 8.5% | 12.6% |
| 净利润同比 | 22.7% | 30.6% |
| 每股收益（稀释后） | — | $0.94 |
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UNMWDAY
| Q1 26 | $3.4B | — | ||
| Q4 25 | $3.2B | $2.4B | ||
| Q3 25 | $3.4B | $2.3B | ||
| Q2 25 | $3.4B | $2.2B | ||
| Q1 25 | $3.1B | $2.2B | ||
| Q4 24 | $3.2B | $2.2B | ||
| Q3 24 | $3.2B | $2.1B | ||
| Q2 24 | $3.2B | $2.0B |
净利润UNMWDAY
| Q1 26 | $232.0M | — | ||
| Q4 25 | $174.1M | $252.0M | ||
| Q3 25 | $39.7M | $228.0M | ||
| Q2 25 | $335.6M | $68.0M | ||
| Q1 25 | $189.1M | $94.0M | ||
| Q4 24 | $348.7M | $193.0M | ||
| Q3 24 | $645.7M | $132.0M | ||
| Q2 24 | $389.5M | $107.0M |
营业利润率UNMWDAY
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 10.6% | ||
| Q3 25 | 1.6% | 10.6% | ||
| Q2 25 | 12.4% | 1.7% | ||
| Q1 25 | 7.9% | 3.4% | ||
| Q4 24 | 13.8% | 7.6% | ||
| Q3 24 | 15.6% | 5.3% | ||
| Q2 24 | 15.3% | 3.2% |
净利率UNMWDAY
| Q1 26 | 6.9% | — | ||
| Q4 25 | 5.4% | 10.4% | ||
| Q3 25 | 1.2% | 9.7% | ||
| Q2 25 | 10.0% | 3.0% | ||
| Q1 25 | 6.1% | 4.3% | ||
| Q4 24 | 10.8% | 8.9% | ||
| Q3 24 | 20.1% | 6.3% | ||
| Q2 24 | 12.0% | 5.4% |
每股收益（稀释后）UNMWDAY
| Q1 26 | — | — | ||
| Q4 25 | $1.06 | $0.94 | ||
| Q3 25 | $0.23 | $0.84 | ||
| Q2 25 | $1.92 | $0.25 | ||
| Q1 25 | $1.06 | $0.34 | ||
| Q4 24 | $1.91 | $0.72 | ||
| Q3 24 | $3.46 | $0.49 | ||
| Q2 24 | $2.05 | $0.40 |
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 | $2.1M | $6.8B |
| 总债务越低越好 | $3.8M | — |
| 股东权益账面价值 | $10.9M | $8.9B |
| 总资产 | $62.7M | $17.8B |
| 负债/权益比越低杠杆越低 | 0.35× | — |
8季度趋势，按日历期对齐
现金及短期投资UNMWDAY
| Q1 26 | $2.1M | — | ||
| Q4 25 | — | $6.8B | ||
| Q3 25 | — | $8.2B | ||
| Q2 25 | — | $8.0B | ||
| Q1 25 | — | $8.0B | ||
| Q4 24 | — | $7.2B | ||
| Q3 24 | — | $7.4B | ||
| Q2 24 | — | $7.2B |
总债务UNMWDAY
| Q1 26 | $3.8M | — | ||
| Q4 25 | $3.8B | — | ||
| Q3 25 | $3.5B | — | ||
| Q2 25 | $3.5B | — | ||
| Q1 25 | $3.5B | — | ||
| Q4 24 | $3.5B | — | ||
| Q3 24 | $3.5B | — | ||
| Q2 24 | $3.5B | $3.0B |
股东权益UNMWDAY
| Q1 26 | $10.9M | — | ||
| Q4 25 | $11.1B | $8.9B | ||
| Q3 25 | $10.9B | $9.2B | ||
| Q2 25 | $11.3B | $8.9B | ||
| Q1 25 | $11.2B | $9.0B | ||
| Q4 24 | $11.0B | $8.6B | ||
| Q3 24 | $11.0B | $8.3B | ||
| Q2 24 | $10.5B | $8.2B |
总资产UNMWDAY
| Q1 26 | $62.7M | — | ||
| Q4 25 | $63.5B | $17.8B | ||
| Q3 25 | $63.7B | $18.0B | ||
| Q2 25 | $62.8B | $17.2B | ||
| Q1 25 | $62.5B | $18.0B | ||
| Q4 24 | $62.0B | $16.4B | ||
| Q3 24 | $64.1B | $16.2B | ||
| Q2 24 | $62.0B | $15.9B |
负债/权益比UNMWDAY
| Q1 26 | 0.35× | — | ||
| Q4 25 | 0.34× | — | ||
| Q3 25 | 0.32× | — | ||
| Q2 25 | 0.31× | — | ||
| Q1 25 | 0.31× | — | ||
| Q4 24 | 0.32× | — | ||
| Q3 24 | 0.32× | — | ||
| Q2 24 | 0.33× | 0.37× |
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 | — | $588.0M |
| 自由现金流经营现金流 - 资本支出 | — | $550.0M |
| 自由现金流率自由现金流/营收 | — | 22.6% |
| 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 | — | 2.33× |
| 过去12个月自由现金流最近4个季度 | — | $2.6B |
8季度趋势，按日历期对齐
经营现金流UNMWDAY
| Q1 26 | — | — | ||
| Q4 25 | $357.9M | $588.0M | ||
| Q3 25 | $-371.8M | $616.0M | ||
| Q2 25 | $348.0M | $457.0M | ||
| Q1 25 | $353.6M | $1.1B | ||
| Q4 24 | $485.8M | $406.0M | ||
| Q3 24 | $390.0M | $571.0M | ||
| Q2 24 | $339.1M | $372.0M |
自由现金流UNMWDAY
| Q1 26 | — | — | ||
| Q4 25 | $320.1M | $550.0M | ||
| Q3 25 | $-402.6M | $588.0M | ||
| Q2 25 | $320.1M | $421.0M | ||
| Q1 25 | $317.8M | $1.0B | ||
| Q4 24 | $453.8M | $359.0M | ||
| Q3 24 | $352.3M | $516.0M | ||
| Q2 24 | $311.4M | $291.0M |
自由现金流率UNMWDAY
| Q1 26 | — | — | ||
| Q4 25 | 9.9% | 22.6% | ||
| Q3 25 | -11.9% | 25.0% | ||
| Q2 25 | 9.5% | 18.8% | ||
| Q1 25 | 10.3% | 46.4% | ||
| Q4 24 | 14.0% | 16.6% | ||
| Q3 24 | 11.0% | 24.7% | ||
| Q2 24 | 9.6% | 14.6% |
资本支出强度UNMWDAY
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 1.6% | ||
| Q3 25 | 0.9% | 1.2% | ||
| Q2 25 | 0.8% | 1.6% | ||
| Q1 25 | 1.2% | 3.9% | ||
| Q4 24 | 1.0% | 2.2% | ||
| Q3 24 | 1.2% | 2.6% | ||
| Q2 24 | 0.9% | 4.1% |
现金转化率UNMWDAY
| Q1 26 | — | — | ||
| Q4 25 | 2.06× | 2.33× | ||
| Q3 25 | -9.37× | 2.70× | ||
| Q2 25 | 1.04× | 6.72× | ||
| Q1 25 | 1.87× | 11.83× | ||
| Q4 24 | 1.39× | 2.10× | ||
| Q3 24 | 0.60× | 4.33× | ||
| Q2 24 | 0.87× | 3.48× |
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
UNM
| Premium Income | $2.8B | 83% |
| Other | $561.2M | 17% |
WDAY
| Subscription Services | $2.2B | 92% |
| Professional Services | $188.0M | 8% |
