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西联汇款（AFG）与Ategrity Specialty Insurance Co Holdings（ASIC）财务数据对比。点击上方公司名可切换其他公司
西联汇款的季度营收约是Ategrity Specialty Insurance Co Holdings的17.8倍（$2.1B vs $116.1M）。Ategrity Specialty Insurance Co Holdings净利率更高（19.5% vs 14.5%，领先5.0%）
西联汇款是总部位于美国科罗拉多州丹佛市的跨国金融服务企业，为全球个人及商业客户提供跨境汇款、支付等多元金融解决方案，在全球绝大多数国家和地区拥有覆盖广泛的服务网络。
Ategrity Specialty Insurance Co Holdings是一家特种保险控股企业，提供商业财产及意外伤害保险解决方案，主营超额与盈余线保险业务，服务美国本土建筑、医疗、小型企业等细分领域，为标准保险公司通常不承接的特殊风险提供定制化保单。
AFG vs ASIC — 直观对比
营收规模更大
AFG
是对方的17.8倍
$116.1M
净利率更高
ASIC
高出5.0%
14.5%
损益表 — Q4 2025 vs Q3 2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $116.1M |
| 净利润 | $299.0M | $22.7M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 25.6% |
| 净利率 | 14.5% | 19.5% |
| 营收同比 | -4.0% | — |
| 净利润同比 | 17.3% | — |
| 每股收益（稀释后） | $3.59 | $0.45 |
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AFGASIC
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.3B | $116.1M | ||
| Q2 25 | $1.9B | $101.8M | ||
| Q1 25 | $1.9B | — | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.4B | — | ||
| Q2 24 | $1.9B | — | ||
| Q1 24 | $1.9B | — |
净利润AFGASIC
| Q4 25 | $299.0M | — | ||
| Q3 25 | $215.0M | $22.7M | ||
| Q2 25 | $174.0M | $17.6M | ||
| Q1 25 | $154.0M | — | ||
| Q4 24 | $255.0M | — | ||
| Q3 24 | $181.0M | — | ||
| Q2 24 | $209.0M | — | ||
| Q1 24 | $242.0M | — |
营业利润率AFGASIC
| Q4 25 | 18.4% | — | ||
| Q3 25 | 11.5% | 25.6% | ||
| Q2 25 | 11.9% | 21.9% | ||
| Q1 25 | 10.6% | — | ||
| Q4 24 | 14.9% | — | ||
| Q3 24 | 9.7% | — | ||
| Q2 24 | 14.3% | — | ||
| Q1 24 | 15.9% | — |
净利率AFGASIC
| Q4 25 | 14.5% | — | ||
| Q3 25 | 9.2% | 19.5% | ||
| Q2 25 | 9.0% | 17.3% | ||
| Q1 25 | 8.3% | — | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 7.6% | — | ||
| Q2 24 | 11.0% | — | ||
| Q1 24 | 12.7% | — |
每股收益（稀释后）AFGASIC
| Q4 25 | $3.59 | — | ||
| Q3 25 | $2.58 | $0.45 | ||
| Q2 25 | $2.07 | $0.39 | ||
| Q1 25 | $1.84 | — | ||
| Q4 24 | $3.03 | — | ||
| Q3 24 | $2.16 | — | ||
| Q2 24 | $2.49 | — | ||
| Q1 24 | $2.89 | — |
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 | $1.7B | $34.3M |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $588.6M |
| 总资产 | $32.6B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.38× | — |
8季度趋势，按日历期对齐
现金及短期投资AFGASIC
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.8B | $34.3M | ||
| Q2 25 | $1.3B | $23.5M | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.1B | — | ||
| Q1 24 | $1.1B | — |
总债务AFGASIC
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
股东权益AFGASIC
| Q4 25 | $4.8B | — | ||
| Q3 25 | $4.7B | $588.6M | ||
| Q2 25 | $4.5B | $559.7M | ||
| Q1 25 | $4.4B | — | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $4.7B | — | ||
| Q2 24 | $4.4B | — | ||
| Q1 24 | $4.2B | — |
总资产AFGASIC
| Q4 25 | $32.6B | — | ||
| Q3 25 | $33.8B | $1.4B | ||
| Q2 25 | $30.7B | $1.4B | ||
| Q1 25 | $30.3B | — | ||
| Q4 24 | $30.8B | — | ||
| Q3 24 | $32.6B | — | ||
| Q2 24 | $29.9B | — | ||
| Q1 24 | $30.0B | — |
负债/权益比AFGASIC
| Q4 25 | 0.38× | — | ||
| Q3 25 | 0.38× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.33× | — | ||
| Q3 24 | 0.31× | — | ||
| Q2 24 | 0.34× | — | ||
| Q1 24 | 0.35× | — |
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 | $784.0M | $41.1M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 2.62× | 1.81× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流AFGASIC
| Q4 25 | $784.0M | — | ||
| Q3 25 | $216.0M | $41.1M | ||
| Q2 25 | $191.0M | $50.8M | ||
| Q1 25 | $342.0M | — | ||
| Q4 24 | $674.0M | — | ||
| Q3 24 | $459.0M | — | ||
| Q2 24 | $-88.0M | — | ||
| Q1 24 | $107.0M | — |
现金转化率AFGASIC
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | 1.81× | ||
| Q2 25 | 1.10× | 2.88× | ||
| Q1 25 | 2.22× | — | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | — | ||
| Q2 24 | -0.42× | — | ||
| Q1 24 | 0.44× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
