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西联汇款（AFG）与Bowhead Specialty Holdings Inc.（BOW）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Bowhead Specialty Holdings Inc.的13.6倍（$2.1B vs $151.7M）。西联汇款净利率更高（14.5% vs 9.8%，领先4.7%）
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。
Bowhead Specialty Holdings Inc.是一家专业保险控股企业，主营财产及意外伤害保险产品，聚焦北美地区服务不足的小众细分市场，为商业和个人客户提供定制化风险管理方案与专属保险保障服务。
AFG vs BOW — 直观对比
营收规模更大
AFG
是对方的13.6倍
$151.7M
净利率更高
AFG
高出4.7%
9.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $151.7M |
| 净利润 | $299.0M | $14.8M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 11.7% |
| 净利率 | 14.5% | 9.8% |
| 营收同比 | -4.0% | — |
| 净利润同比 | 17.3% | — |
| 每股收益（稀释后） | $3.59 | $0.44 |
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AFGBOW
| Q4 25 | $2.1B | $151.7M | ||
| Q3 25 | $2.3B | $143.9M | ||
| Q2 25 | $1.9B | $133.3M | ||
| Q1 25 | $1.9B | $122.7M | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.4B | $116.8M | ||
| Q2 24 | $1.9B | $98.9M | ||
| Q1 24 | $1.9B | — |
净利润AFGBOW
| Q4 25 | $299.0M | $14.8M | ||
| Q3 25 | $215.0M | $15.2M | ||
| Q2 25 | $174.0M | $12.3M | ||
| Q1 25 | $154.0M | $11.4M | ||
| Q4 24 | $255.0M | — | ||
| Q3 24 | $181.0M | $12.1M | ||
| Q2 24 | $209.0M | $5.5M | ||
| Q1 24 | $242.0M | — |
营业利润率AFGBOW
| Q4 25 | 18.4% | 11.7% | ||
| Q3 25 | 11.5% | 13.3% | ||
| Q2 25 | 11.9% | 11.9% | ||
| Q1 25 | 10.6% | 11.8% | ||
| Q4 24 | 14.9% | — | ||
| Q3 24 | 9.7% | 13.5% | ||
| Q2 24 | 14.3% | 7.5% | ||
| Q1 24 | 15.9% | — |
净利率AFGBOW
| Q4 25 | 14.5% | 9.8% | ||
| Q3 25 | 9.2% | 10.5% | ||
| Q2 25 | 9.0% | 9.3% | ||
| Q1 25 | 8.3% | 9.3% | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 7.6% | 10.4% | ||
| Q2 24 | 11.0% | 5.6% | ||
| Q1 24 | 12.7% | — |
每股收益（稀释后）AFGBOW
| Q4 25 | $3.59 | $0.44 | ||
| Q3 25 | $2.58 | $0.45 | ||
| Q2 25 | $2.07 | $0.36 | ||
| Q1 25 | $1.84 | $0.34 | ||
| Q4 24 | $3.03 | — | ||
| Q3 24 | $2.16 | $0.36 | ||
| Q2 24 | $2.49 | $0.20 | ||
| 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 | $193.5M |
| 总债务越低越好 | $1.8B | $146.4M |
| 股东权益账面价值 | $4.8B | $448.3M |
| 总资产 | $32.6B | $2.4B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资AFGBOW
| Q4 25 | $1.7B | $193.5M | ||
| Q3 25 | $1.8B | $197.9M | ||
| Q2 25 | $1.3B | $114.8M | ||
| Q1 25 | $1.3B | $88.0M | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.3B | $132.9M | ||
| Q2 24 | $1.1B | $180.3M | ||
| Q1 24 | $1.1B | — |
总债务AFGBOW
| Q4 25 | $1.8B | $146.4M | ||
| 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AFGBOW
| Q4 25 | $4.8B | $448.3M | ||
| Q3 25 | $4.7B | $430.2M | ||
| Q2 25 | $4.5B | $407.2M | ||
| Q1 25 | $4.4B | $391.0M | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $4.7B | $364.7M | ||
| Q2 24 | $4.4B | $339.9M | ||
| Q1 24 | $4.2B | — |
总资产AFGBOW
| Q4 25 | $32.6B | $2.4B | ||
| Q3 25 | $33.8B | $2.1B | ||
| Q2 25 | $30.7B | $1.9B | ||
| Q1 25 | $30.3B | $1.8B | ||
| Q4 24 | $30.8B | — | ||
| Q3 24 | $32.6B | $1.5B | ||
| Q2 24 | $29.9B | $1.4B | ||
| Q1 24 | $30.0B | — |
负债/权益比AFGBOW
| Q4 25 | 0.38× | 0.33× | ||
| 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 | $60.1M |
| 自由现金流经营现金流 - 资本支出 | — | $58.6M |
| 自由现金流率自由现金流/营收 | — | 38.7% |
| 资本支出强度资本支出/营收 | — | 1.0% |
| 现金转化率经营现金流/净利润 | 2.62× | 4.05× |
| 过去12个月自由现金流最近4个季度 | — | $326.0M |
8季度趋势，按日历期对齐
经营现金流AFGBOW
| Q4 25 | $784.0M | $60.1M | ||
| Q3 25 | $216.0M | $114.7M | ||
| Q2 25 | $191.0M | $109.0M | ||
| Q1 25 | $342.0M | $47.7M | ||
| Q4 24 | $674.0M | — | ||
| Q3 24 | $459.0M | $119.4M | ||
| Q2 24 | $-88.0M | — | ||
| Q1 24 | $107.0M | — |
自由现金流AFGBOW
| Q4 25 | — | $58.6M | ||
| Q3 25 | — | $113.5M | ||
| Q2 25 | — | $107.4M | ||
| Q1 25 | — | $46.5M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $118.4M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率AFGBOW
| Q4 25 | — | 38.7% | ||
| Q3 25 | — | 78.8% | ||
| Q2 25 | — | 80.6% | ||
| Q1 25 | — | 37.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 101.4% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度AFGBOW
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率AFGBOW
| Q4 25 | 2.62× | 4.05× | ||
| Q3 25 | 1.00× | 7.56× | ||
| Q2 25 | 1.10× | 8.83× | ||
| Q1 25 | 2.22× | 4.18× | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | 9.88× | ||
| 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
