vs
西联汇款（AFG）与AMERICAN AXLE & MANUFACTURING HOLDINGS INC（AXL）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AMERICAN AXLE & MANUFACTURING HOLDINGS INC的1.5倍（$2.1B vs $1.4B），西联汇款净利率更高（14.5% vs -5.4%，领先19.9%），AMERICAN AXLE & MANUFACTURING HOLDINGS INC同比增速更快（0.2% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs -7.2%）
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。
美国车桥制造控股有限公司总部位于密歇根州底特律，是一家美国汽车传动轴与动力传动系统零部件及系统制造商，在汽车传动领域拥有成熟的技术与产能，为全球多家车企供应相关核心配件。
AFG vs AXL — 直观对比
营收规模更大
AFG
是对方的1.5倍
$1.4B
营收增速更快
AXL
高出4.2%
-4.0%
净利率更高
AFG
高出19.9%
-5.4%
两年增速更快
AFG
近两年复合增速
-7.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.4B |
| 净利润 | $299.0M | $-75.3M |
| 毛利率 | — | 10.2% |
| 营业利润率 | 18.4% | -2.4% |
| 净利率 | 14.5% | -5.4% |
| 营收同比 | -4.0% | 0.2% |
| 净利润同比 | 17.3% | -449.6% |
| 每股收益（稀释后） | $3.59 | $-0.62 |
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AFGAXL
| Q4 25 | $2.1B | $1.4B | ||
| Q3 25 | $2.3B | $1.5B | ||
| Q2 25 | $1.9B | $1.5B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $2.1B | $1.4B | ||
| Q3 24 | $2.4B | $1.5B | ||
| Q2 24 | $1.9B | $1.6B | ||
| Q1 24 | $1.9B | $1.6B |
净利润AFGAXL
| Q4 25 | $299.0M | $-75.3M | ||
| Q3 25 | $215.0M | $9.2M | ||
| Q2 25 | $174.0M | $39.3M | ||
| Q1 25 | $154.0M | $7.1M | ||
| Q4 24 | $255.0M | $-13.7M | ||
| Q3 24 | $181.0M | $10.0M | ||
| Q2 24 | $209.0M | $18.2M | ||
| Q1 24 | $242.0M | $20.5M |
毛利率AFGAXL
| Q4 25 | — | 10.2% | ||
| Q3 25 | — | 12.6% | ||
| Q2 25 | — | 13.1% | ||
| Q1 25 | — | 12.3% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | 11.4% | ||
| Q2 24 | — | 13.3% | ||
| Q1 24 | — | 12.4% |
营业利润率AFGAXL
| Q4 25 | 18.4% | -2.4% | ||
| Q3 25 | 11.5% | 3.2% | ||
| Q2 25 | 11.9% | 3.6% | ||
| Q1 25 | 10.6% | 3.0% | ||
| Q4 24 | 14.9% | 2.6% | ||
| Q3 24 | 9.7% | 2.8% | ||
| Q2 24 | 14.3% | 5.3% | ||
| Q1 24 | 15.9% | 4.8% |
净利率AFGAXL
| Q4 25 | 14.5% | -5.4% | ||
| Q3 25 | 9.2% | 0.6% | ||
| Q2 25 | 9.0% | 2.6% | ||
| Q1 25 | 8.3% | 0.5% | ||
| Q4 24 | 11.9% | -1.0% | ||
| Q3 24 | 7.6% | 0.7% | ||
| Q2 24 | 11.0% | 1.1% | ||
| Q1 24 | 12.7% | 1.3% |
每股收益（稀释后）AFGAXL
| Q4 25 | $3.59 | $-0.62 | ||
| Q3 25 | $2.58 | $0.07 | ||
| Q2 25 | $2.07 | $0.32 | ||
| Q1 25 | $1.84 | $0.06 | ||
| Q4 24 | $3.03 | $-0.11 | ||
| Q3 24 | $2.16 | $0.08 | ||
| Q2 24 | $2.49 | $0.15 | ||
| Q1 24 | $2.89 | $0.17 |
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 | $708.9M |
| 总债务越低越好 | $1.8B | $4.0B |
| 股东权益账面价值 | $4.8B | $640.0M |
| 总资产 | $32.6B | $6.7B |
| 负债/权益比越低杠杆越低 | 0.38× | 6.31× |
8季度趋势，按日历期对齐
现金及短期投资AFGAXL
| Q4 25 | $1.7B | $708.9M | ||
| Q3 25 | $1.8B | $714.1M | ||
| Q2 25 | $1.3B | $586.5M | ||
| Q1 25 | $1.3B | $549.2M | ||
| Q4 24 | $1.4B | $552.9M | ||
| Q3 24 | $1.3B | $542.5M | ||
| Q2 24 | $1.1B | $519.9M | ||
| Q1 24 | $1.1B | $469.8M |
总债务AFGAXL
| Q4 25 | $1.8B | $4.0B | ||
| Q3 25 | $1.8B | $2.6B | ||
| Q2 25 | $1.5B | $2.6B | ||
| Q1 25 | $1.5B | $2.6B | ||
| Q4 24 | $1.5B | $2.6B | ||
| Q3 24 | $1.5B | $2.6B | ||
| Q2 24 | $1.5B | $2.7B | ||
| Q1 24 | $1.5B | $2.7B |
股东权益AFGAXL
| Q4 25 | $4.8B | $640.0M | ||
| Q3 25 | $4.7B | $718.4M | ||
| Q2 25 | $4.5B | $673.0M | ||
| Q1 25 | $4.4B | $596.3M | ||
| Q4 24 | $4.5B | $562.8M | ||
| Q3 24 | $4.7B | $616.3M | ||
| Q2 24 | $4.4B | $609.6M | ||
| Q1 24 | $4.2B | $621.4M |
总资产AFGAXL
| Q4 25 | $32.6B | $6.7B | ||
| Q3 25 | $33.8B | $5.3B | ||
| Q2 25 | $30.7B | $5.3B | ||
| Q1 25 | $30.3B | $5.1B | ||
| Q4 24 | $30.8B | $5.1B | ||
| Q3 24 | $32.6B | $5.3B | ||
| Q2 24 | $29.9B | $5.3B | ||
| Q1 24 | $30.0B | $5.4B |
负债/权益比AFGAXL
| Q4 25 | 0.38× | 6.31× | ||
| Q3 25 | 0.38× | 3.61× | ||
| Q2 25 | 0.33× | 3.86× | ||
| Q1 25 | 0.34× | 4.38× | ||
| Q4 24 | 0.33× | 4.58× | ||
| Q3 24 | 0.31× | 4.28× | ||
| Q2 24 | 0.34× | 4.42× | ||
| Q1 24 | 0.35× | 4.40× |
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 | $120.5M |
| 自由现金流经营现金流 - 资本支出 | — | $54.7M |
| 自由现金流率自由现金流/营收 | — | 4.0% |
| 资本支出强度资本支出/营收 | — | 4.8% |
| 现金转化率经营现金流/净利润 | 2.62× | — |
| 过去12个月自由现金流最近4个季度 | — | $155.1M |
8季度趋势，按日历期对齐
经营现金流AFGAXL
| Q4 25 | $784.0M | $120.5M | ||
| Q3 25 | $216.0M | $143.3M | ||
| Q2 25 | $191.0M | $91.9M | ||
| Q1 25 | $342.0M | $55.9M | ||
| Q4 24 | $674.0M | $151.2M | ||
| Q3 24 | $459.0M | $143.6M | ||
| Q2 24 | $-88.0M | $142.8M | ||
| Q1 24 | $107.0M | $17.8M |
自由现金流AFGAXL
| Q4 25 | — | $54.7M | ||
| Q3 25 | — | $79.2M | ||
| Q2 25 | — | $34.6M | ||
| Q1 25 | — | $-13.4M | ||
| Q4 24 | — | $73.2M | ||
| Q3 24 | — | $70.4M | ||
| Q2 24 | — | $94.0M | ||
| Q1 24 | — | $-30.2M |
自由现金流率AFGAXL
| Q4 25 | — | 4.0% | ||
| Q3 25 | — | 5.3% | ||
| Q2 25 | — | 2.3% | ||
| Q1 25 | — | -0.9% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | — | 4.7% | ||
| Q2 24 | — | 5.8% | ||
| Q1 24 | — | -1.9% |
资本支出强度AFGAXL
| Q4 25 | — | 4.8% | ||
| Q3 25 | — | 4.3% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 4.9% | ||
| Q4 24 | — | 5.6% | ||
| Q3 24 | — | 4.9% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 3.0% |
现金转化率AFGAXL
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | 15.58× | ||
| Q2 25 | 1.10× | 2.34× | ||
| Q1 25 | 2.22× | 7.87× | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | 14.36× | ||
| Q2 24 | -0.42× | 7.85× | ||
| Q1 24 | 0.44× | 0.87× |
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
AFG
| Property And Casualty Insurance | $2.0B | 96% |
| Other | $83.0M | 4% |
AXL
| Driveline | $748.4M | 54% |
| Other | $345.7M | 25% |
| Metal Forming | $289.8M | 21% |
