美国家庭人寿保险(Aflac) AFL
$124.06 −$2.18 (-1.73%)
休市 · Nov 6, 9:50 pm ET · 最新盘后价 $124.06 0.00%
开盘$123.92
昨收$126.24
当日区间$123.51 – $125.80
成交量2.02M
市值$61.36B
市盈率（TTM）18.1
股息率1.94%
基本面
最新报告季度：Q2, ended Jun 2026
营收$4.19B-0.6% YoY
净利润$825.00M+37.7% YoY
摊薄每股收益$1.63+46.8% YoY
自由现金流$112.00M-71.9% YoY
经营现金流$112.00M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率26.6%
净资产收益率16.9%
资产收益率4.0%
负债/资产比率73.9%
总负债$8.73B
自由现金流/营收14.5%
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $4.12B | $4.35B | $17.16B | $4.87B | $4.74B |
| 营业总收入 | $4.19B | $4.41B | $17.36B | $4.89B | $4.79B |
| 已赚保费合计 | $3.25B | $3.31B | $13.55B | $3.33B | $3.37B |
| -净承保保费 | $3.25B | $3.31B | $13.55B | $3.33B | $3.37B |
| 手续费收入及其他收入 | $34.00M | $31.00M | $112.00M | $31.00M | $26.00M |
| -其他收入/费用 | $34.00M | $31.00M | $112.00M | $31.00M | $26.00M |
| 净投资收益 | $839.00M | $838.00M | $3.78B | $823.00M | $944.00M |
| 投资已实现损益净额 | -$750.00M | -$156.00M | -$344.00M | -$123.00M | -$56.00M |
| 汇兑损益净额 | $819.00M | $385.00M | $264.00M | $835.00M | $507.00M |
| 总费用 | $3.20B | $3.18B | $12.82B | $3.32B | $2.80B |
| 理赔费用 | $2.60B | $2.60B | $10.55B | $2.77B | $2.22B |
| 保单获取费用 | $218.00M | $221.00M | $874.00M | $219.00M | $218.00M |
| 手续费及佣金支出 | $239.00M | $237.00M | $991.00M | $246.00M | $254.00M |
| 非经营性利息净收入（支出） | -$64.00M | -$60.00M | -$220.00M | -$61.00M | -$57.00M |
| -非经营性利息支出 | $64.00M | $60.00M | $220.00M | $61.00M | $57.00M |
| 其他营业费用 | $77.00M | $62.00M | $191.00M | $25.00M | $53.00M |
| 税前利润 | $995.00M | $1.23B | $4.53B | $1.57B | $1.99B |
| 税费 | $170.00M | $206.00M | $887.00M | $193.00M | $355.00M |
| 净利润 | $825.00M | $1.02B | $3.65B | $1.38B | $1.64B |
| 持续经营利润 | $825.00M | $1.02B | $3.65B | $1.38B | $1.64B |
| 归属母公司净利润 | $825.00M | $1.02B | $3.65B | $1.38B | $1.64B |
| 归属普通股股东净利润 | $825.00M | $1.02B | $3.65B | $1.38B | $1.64B |
| 基本每股收益 | $1.64 | $1.99 | $6.84 | $2.65 | $3.09 |
| 摊薄每股收益 | $1.63 | $1.98 | $6.82 | $2.64 | $3.08 |
| 每股股息 | $0.61 | $0.61 | $2.32 | $0.58 | $0.58 |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $115.96B | $116.28B | $116.47B | $116.47B | $122.31B |
| 现金及现金等价物 | $6.12B | $5.65B | $6.25B | $6.25B | $6.77B |
| 投资合计 | $96.04B | $96.69B | $97.52B | $97.52B | $101.81B |
| -短期投资 | $65.67B | $65.84B | $64.15B | $64.15B | $69.66B |
| -贷款净额 | $9.56B | $9.98B | $9.77B | $9.77B | $10.35B |
| -固定期限投资 | $15.50B | $15.75B | $16.09B | $16.09B | $16.92B |
| -股权投资 | $925.00M | $851.00M | $887.00M | $887.00M | $885.00M |
| -长期股权投资 | $4.35B | $4.23B | – | – | $3.96B |
| -其他投资资产 | $39.00M | $37.00M | $6.62B | $6.62B | $31.00M |
| 应收款 | $895.00M | $947.00M | $835.00M | $835.00M | $852.00M |
| -应收账款 | $895.00M | $947.00M | $835.00M | $835.00M | $852.00M |
| 应计投资收益 | $733.00M | $695.00M | $718.00M | $718.00M | $702.00M |
| 固定资产净值 | $1.20B | $1.21B | $351.00M | $351.00M | $1.31B |
| 递延保单获取成本 | $8.95B | $8.98B | $9.03B | $9.03B | $9.22B |
| 其他资产 | $2.03B | $2.12B | $1.77B | $1.77B | $1.65B |
| 负债合计 | $85.65B | $86.32B | $86.98B | $86.98B | $93.62B |
| 保单持有人负债 | $64.35B | $66.78B | $69.58B | $69.58B | $74.74B |
| 应付款 | $1.59B | $1.75B | $1.37B | $1.37B | $1.48B |
| -应付税款合计 | $1.59B | $1.75B | $1.37B | $1.37B | $1.48B |
| 长期债务及融资租赁负债 | $8.73B | $7.91B | $8.41B | $8.41B | $8.69B |
| -长期债务 | $8.64B | $7.82B | $8.33B | $8.33B | $8.60B |
| -长期融资租赁负债 | $86.00M | $86.00M | $79.00M | $79.00M | $87.00M |
| 未回购预售证券 | $7.34B | $6.41B | $3.99B | $3.99B | $5.43B |
| 其他负债 | $3.64B | $3.46B | $3.63B | $3.63B | $3.29B |
| 股东权益合计 | $30.31B | $29.96B | $29.49B | $29.49B | $28.69B |
| 股东权益 | $30.31B | $29.96B | $29.49B | $29.49B | $28.69B |
| 股本 | $136.00M | $136.00M | $136.00M | $136.00M | $136.00M |
| -普通股 | $136.00M | $136.00M | $136.00M | $136.00M | $136.00M |
| 资本公积 | $3.11B | $3.06B | $3.02B | $3.02B | $2.98B |
| 留存收益 | $56.22B | $55.70B | $54.68B | $54.68B | $53.92B |
| 减：库存股 | $31.83B | $30.84B | $29.80B | $29.80B | $29.00B |
| 不影响留存收益的损益 | $2.68B | $1.90B | $1.45B | $1.45B | $653.00M |
| 短期债务及融资租赁负债 | – | – | – | – | $0.00 |
| -一年内到期债务 | – | – | – | – | $0.00 |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $112.00M | $968.00M | $2.56B | $315.00M | $1.25B |
| 持续经营经营活动现金流净额 | $77.00M | $968.00M | $2.56B | $315.00M | $1.26B |
| 持续经营净利润 | $825.00M | $1.02B | $3.65B | $1.38B | $1.64B |
| 持续经营损益 | -$83.00M | -$216.00M | $86.00M | -$712.00M | -$445.00M |
| 其他非现金项目 | -$242.00M | -$616.00M | -$82.00M | $79.00M | $168.00M |
| 营运资金变动 | -$442.00M | $713.00M | -$1.16B | -$491.00M | -$158.00M |
| -应收款变动 | -$2.00M | -$30.00M | -$66.00M | -$38.00M | $20.00M |
| -赔款及理赔费用准备变动 | -$88.00M | $519.00M | -$815.00M | -$83.00M | -$537.00M |
| -应付账款及应计费用变动 | -$352.00M | $224.00M | -$278.00M | -$370.00M | $359.00M |
| 投资活动现金流净额 | $791.00M | $244.00M | $1.56B | $359.00M | $28.00M |
| 持续经营投资活动现金流净额 | $791.00M | $244.00M | $1.56B | $359.00M | $28.00M |
| 投资购置及出售净额 | -$687.00M | -$2.47B | -$985.00M | $1.32B | $287.00M |
| 贷款发放/偿还净额 | $366.00M | -$41.00M | $683.00M | $330.00M | $77.00M |
| 其他投资变动净额 | $1.11B | $2.75B | $1.86B | -$1.29B | -$336.00M |
| 筹资活动现金流 | -$442.00M | -$1.76B | -$4.07B | -$1.18B | -$1.46B |
| 持续经营筹资活动现金流净额 | -$442.00M | -$1.76B | -$4.07B | -$1.18B | -$1.46B |
| Net Issuance Payments of Debt | $911.00M | -$400.00M | $955.00M | $0.00 | -$84.00M |
| 普通股发行净额 | -$981.00M | -$996.00M | -$3.52B | -$798.00M | -$997.00M |
| 已付现金股利 | -$299.00M | -$304.00M | -$1.20B | -$292.00M | -$299.00M |
| 其他筹资费用净额 | -$73.00M | -$62.00M | -$304.00M | -$94.00M | -$82.00M |
| 期末现金余额 | $6.12B | $5.65B | $6.25B | $6.25B | $6.77B |
| 现金净变动 | $461.00M | -$550.00M | $47.00M | -$510.00M | -$182.00M |
| 期初现金余额 | $5.65B | $6.25B | $6.23B | $6.77B | $6.97B |
| 汇率变动影响 | $5.00M | -$41.00M | -$31.00M | -$13.00M | -$15.00M |
| 自由现金流 | $112.00M | $968.00M | $2.56B | $315.00M | $1.25B |
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