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西联汇款（AFG）与AXIS CAPITAL HOLDINGS LTD（AXS）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AXIS CAPITAL HOLDINGS LTD的1.2倍（$2.1B vs $1.7B）。AXIS CAPITAL HOLDINGS LTD净利率更高（16.7% vs 14.5%，领先2.2%）。AXIS CAPITAL HOLDINGS LTD同比增速更快（17.8% vs -4.0%）。过去两年AXIS CAPITAL HOLDINGS LTD的营收复合增速更高（10.3% vs 4.0%）
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。
AXIS资本控股有限公司是AXIS集团的控股主体，通过百慕大、美国、加拿大、欧洲及新加坡的子公司与分支机构网络，提供各类风险转移产品及服务。保险业务覆盖财产、职业责任、恐怖主义、航运、能源、环境等领域，再保险业务包含财产、职业责任、信用债券等品类。
AFG vs AXS — 直观对比
营收规模更大
AFG
是对方的1.2倍
$1.7B
营收增速更快
AXS
高出21.8%
-4.0%
净利率更高
AXS
高出2.2%
14.5%
两年增速更快
AXS
近两年复合增速
4.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.7B |
| 净利润 | $299.0M | $289.6M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 19.0% |
| 净利率 | 14.5% | 16.7% |
| 营收同比 | -4.0% | 17.8% |
| 净利润同比 | 17.3% | -1.4% |
| 每股收益（稀释后） | $3.59 | $3.63 |
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AFGAXS
| Q4 25 | $2.1B | $1.7B | ||
| Q3 25 | $2.3B | $1.7B | ||
| Q2 25 | $1.9B | $1.6B | ||
| Q1 25 | $1.9B | $1.5B | ||
| Q4 24 | $2.1B | $1.5B | ||
| Q3 24 | $2.4B | $1.6B | ||
| Q2 24 | $1.9B | $1.5B | ||
| Q1 24 | $1.9B | $1.4B |
净利润AFGAXS
| Q4 25 | $299.0M | $289.6M | ||
| Q3 25 | $215.0M | $301.9M | ||
| Q2 25 | $174.0M | $223.4M | ||
| Q1 25 | $154.0M | $194.1M | ||
| Q4 24 | $255.0M | $293.6M | ||
| Q3 24 | $181.0M | $180.7M | ||
| Q2 24 | $209.0M | $212.0M | ||
| Q1 24 | $242.0M | $395.5M |
营业利润率AFGAXS
| Q4 25 | 18.4% | 19.0% | ||
| Q3 25 | 11.5% | 22.1% | ||
| Q2 25 | 11.9% | 17.2% | ||
| Q1 25 | 10.6% | 15.5% | ||
| Q4 24 | 14.9% | 18.6% | ||
| Q3 24 | 9.7% | 14.2% | ||
| Q2 24 | 14.3% | 17.4% | ||
| Q1 24 | 15.9% | 19.0% |
净利率AFGAXS
| Q4 25 | 14.5% | 16.7% | ||
| Q3 25 | 9.2% | 18.0% | ||
| Q2 25 | 9.0% | 13.7% | ||
| Q1 25 | 8.3% | 12.8% | ||
| Q4 24 | 11.9% | 20.0% | ||
| Q3 24 | 7.6% | 11.2% | ||
| Q2 24 | 11.0% | 14.6% | ||
| Q1 24 | 12.7% | 27.8% |
每股收益（稀释后）AFGAXS
| Q4 25 | $3.59 | $3.63 | ||
| Q3 25 | $2.58 | $3.74 | ||
| Q2 25 | $2.07 | $2.72 | ||
| Q1 25 | $1.84 | $2.26 | ||
| Q4 24 | $3.03 | $3.38 | ||
| Q3 24 | $2.16 | $2.04 | ||
| Q2 24 | $2.49 | $2.40 | ||
| Q1 24 | $2.89 | $4.53 |
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 | $820.3M |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $6.4B |
| 总资产 | $32.6B | $34.5B |
| 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AFGAXS
| Q4 25 | $1.7B | $820.3M | ||
| Q3 25 | $1.8B | $825.9M | ||
| Q2 25 | $1.3B | $852.1M | ||
| Q1 25 | $1.3B | $2.8B | ||
| Q4 24 | $1.4B | $2.1B | ||
| Q3 24 | $1.3B | $981.0M | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.1B | $1.1B |
总债务AFGAXS
| 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AFGAXS
| Q4 25 | $4.8B | $6.4B | ||
| Q3 25 | $4.7B | $6.4B | ||
| Q2 25 | $4.5B | $6.2B | ||
| Q1 25 | $4.4B | $5.9B | ||
| Q4 24 | $4.5B | $6.1B | ||
| Q3 24 | $4.7B | $6.1B | ||
| Q2 24 | $4.4B | $5.7B | ||
| Q1 24 | $4.2B | $5.5B |
总资产AFGAXS
| Q4 25 | $32.6B | $34.5B | ||
| Q3 25 | $33.8B | $34.3B | ||
| Q2 25 | $30.7B | $34.2B | ||
| Q1 25 | $30.3B | $33.2B | ||
| Q4 24 | $30.8B | $32.5B | ||
| Q3 24 | $32.6B | $32.7B | ||
| Q2 24 | $29.9B | $32.1B | ||
| Q1 24 | $30.0B | $31.8B |
负债/权益比AFGAXS
| 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 | $630.4M |
| 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× | 2.18× |
| 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AFGAXS
| Q4 25 | $784.0M | $630.4M | ||
| Q3 25 | $216.0M | $673.8M | ||
| Q2 25 | $191.0M | $-1.7B | ||
| Q1 25 | $342.0M | $309.1M | ||
| Q4 24 | $674.0M | $355.5M | ||
| Q3 24 | $459.0M | $587.0M | ||
| Q2 24 | $-88.0M | $518.1M | ||
| Q1 24 | $107.0M | $384.1M |
现金转化率AFGAXS
| Q4 25 | 2.62× | 2.18× | ||
| Q3 25 | 1.00× | 2.23× | ||
| Q2 25 | 1.10× | -7.41× | ||
| Q1 25 | 2.22× | 1.59× | ||
| Q4 24 | 2.64× | 1.21× | ||
| Q3 24 | 2.54× | 3.25× | ||
| Q2 24 | -0.42× | 2.44× | ||
| Q1 24 | 0.44× | 0.97× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
