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西联汇款（AFG）与巴里克黄金（B）财务数据对比。点击上方公司名可切换其他公司
巴里克黄金的季度营收约是西联汇款的1.8倍（$3.7B vs $2.1B），巴里克黄金净利率更高（34.1% vs 14.5%，领先19.6%），巴里克黄金同比增速更快（16.4% 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。
巴里克黄金是一家主营黄金、铜开采生产的矿业企业，业务布局覆盖阿根廷、加拿大、智利、刚果（金）等全球近二十个国家和地区。2024年该公司黄金产量达391万盎司，全维持成本为每盎司1484美元；铜产量19.5万吨，全维持成本为每磅3.45美元。
AFG vs B — 直观对比
营收规模更大
B
是对方的1.8倍
$2.1B
营收增速更快
B
高出20.4%
-4.0%
净利率更高
B
高出19.6%
14.5%
损益表 — Q4 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $3.7B |
| 净利润 | $299.0M | $1.3B |
| 毛利率 | — | 49.0% |
| 营业利润率 | 18.4% | 38.5% |
| 净利率 | 14.5% | 34.1% |
| 营收同比 | -4.0% | 16.4% |
| 净利润同比 | 17.3% | 98.1% |
| 每股收益（稀释后） | $3.59 | $0.47 |
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AFGB
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.3B | — | ||
| Q2 25 | $1.9B | $3.7B | ||
| Q1 25 | $1.9B | — | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.4B | — | ||
| Q2 24 | $1.9B | $3.2B | ||
| Q1 24 | $1.9B | — |
净利润AFGB
| Q4 25 | $299.0M | — | ||
| Q3 25 | $215.0M | — | ||
| Q2 25 | $174.0M | $1.3B | ||
| Q1 25 | $154.0M | — | ||
| Q4 24 | $255.0M | — | ||
| Q3 24 | $181.0M | — | ||
| Q2 24 | $209.0M | $634.0M | ||
| Q1 24 | $242.0M | — |
毛利率AFGB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 49.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 37.4% | ||
| Q1 24 | — | — |
营业利润率AFGB
| Q4 25 | 18.4% | — | ||
| Q3 25 | 11.5% | — | ||
| Q2 25 | 11.9% | 38.5% | ||
| Q1 25 | 10.6% | — | ||
| Q4 24 | 14.9% | — | ||
| Q3 24 | 9.7% | — | ||
| Q2 24 | 14.3% | 34.5% | ||
| Q1 24 | 15.9% | — |
净利率AFGB
| Q4 25 | 14.5% | — | ||
| Q3 25 | 9.2% | — | ||
| Q2 25 | 9.0% | 34.1% | ||
| Q1 25 | 8.3% | — | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 7.6% | — | ||
| Q2 24 | 11.0% | 20.1% | ||
| Q1 24 | 12.7% | — |
每股收益（稀释后）AFGB
| Q4 25 | $3.59 | — | ||
| Q3 25 | $2.58 | — | ||
| Q2 25 | $2.07 | $0.47 | ||
| Q1 25 | $1.84 | — | ||
| Q4 24 | $3.03 | — | ||
| Q3 24 | $2.16 | — | ||
| Q2 24 | $2.49 | $0.21 | ||
| 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 | $4.8B |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $33.4B |
| 总资产 | $32.6B | $47.3B |
| 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AFGB
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.3B | $4.8B | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.1B | $4.0B | ||
| Q1 24 | $1.1B | — |
总债务AFGB
| 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AFGB
| Q4 25 | $4.8B | — | ||
| Q3 25 | $4.7B | — | ||
| Q2 25 | $4.5B | $33.4B | ||
| Q1 25 | $4.4B | — | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $4.7B | — | ||
| Q2 24 | $4.4B | $32.5B | ||
| Q1 24 | $4.2B | — |
总资产AFGB
| Q4 25 | $32.6B | — | ||
| Q3 25 | $33.8B | — | ||
| Q2 25 | $30.7B | $47.3B | ||
| Q1 25 | $30.3B | — | ||
| Q4 24 | $30.8B | — | ||
| Q3 24 | $32.6B | — | ||
| Q2 24 | $29.9B | $46.2B | ||
| Q1 24 | $30.0B | — |
负债/权益比AFGB
| 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 | $1.3B |
| 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× | 1.06× |
| 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AFGB
| Q4 25 | $784.0M | — | ||
| Q3 25 | $216.0M | — | ||
| Q2 25 | $191.0M | $1.3B | ||
| Q1 25 | $342.0M | — | ||
| Q4 24 | $674.0M | — | ||
| Q3 24 | $459.0M | — | ||
| Q2 24 | $-88.0M | $1.2B | ||
| Q1 24 | $107.0M | — |
现金转化率AFGB
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | — | ||
| Q2 25 | 1.10× | 1.06× | ||
| Q1 25 | 2.22× | — | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | — | ||
| Q2 24 | -0.42× | 1.83× | ||
| 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
业务分部营收拆解
AFG
| Property And Casualty Insurance | $2.0B | 96% |
| Other | $83.0M | 4% |
B
暂无分部数据
