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西联汇款（AFG）与安达（CB）财务数据对比。点击上方公司名可切换其他公司
安达的季度营收约是西联汇款的7.3倍（$15.1B vs $2.1B）。安达净利率更高（21.3% vs 14.5%，领先6.8%）。安达同比增速更快（6.3% vs -4.0%）。过去两年安达的营收复合增速更高（8.1% 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。
安达是注册地位于苏黎世的跨国保险集团，在纽约证券交易所上市，为标普500指数成分股。作为全球最大的上市财产及意外伤害保险公司，其业务涵盖财产险、意外险、健康险、再保险、寿险等领域，在全球55个国家和地区及伦敦劳合社市场运营。
AFG vs CB — 直观对比
营收规模更大
CB
是对方的7.3倍
$2.1B
营收增速更快
CB
高出10.3%
-4.0%
净利率更高
CB
高出6.8%
14.5%
两年增速更快
CB
近两年复合增速
4.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $15.1B |
| 净利润 | $299.0M | $3.2B |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 25.0% |
| 净利率 | 14.5% | 21.3% |
| 营收同比 | -4.0% | 6.3% |
| 净利润同比 | 17.3% | 24.7% |
| 每股收益（稀释后） | $3.59 | $8.05 |
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AFGCB
| Q4 25 | $2.1B | $15.1B | ||
| Q3 25 | $2.3B | $16.1B | ||
| Q2 25 | $1.9B | $14.8B | ||
| Q1 25 | $1.9B | $13.4B | ||
| Q4 24 | $2.1B | $14.2B | ||
| Q3 24 | $2.4B | $14.8B | ||
| Q2 24 | $1.9B | $13.8B | ||
| Q1 24 | $1.9B | $12.9B |
净利润AFGCB
| Q4 25 | $299.0M | $3.2B | ||
| Q3 25 | $215.0M | $2.8B | ||
| Q2 25 | $174.0M | $3.0B | ||
| Q1 25 | $154.0M | $1.3B | ||
| Q4 24 | $255.0M | $2.6B | ||
| Q3 24 | $181.0M | $2.3B | ||
| Q2 24 | $209.0M | $2.2B | ||
| Q1 24 | $242.0M | $2.1B |
营业利润率AFGCB
| Q4 25 | 18.4% | 25.0% | ||
| Q3 25 | 11.5% | 24.1% | ||
| Q2 25 | 11.9% | 25.0% | ||
| Q1 25 | 10.6% | 12.5% | ||
| Q4 24 | 14.9% | 22.0% | ||
| Q3 24 | 9.7% | 20.2% | ||
| Q2 24 | 14.3% | 19.6% | ||
| Q1 24 | 15.9% | 20.4% |
净利率AFGCB
| Q4 25 | 14.5% | 21.3% | ||
| Q3 25 | 9.2% | 17.3% | ||
| Q2 25 | 9.0% | 20.0% | ||
| Q1 25 | 8.3% | 10.0% | ||
| Q4 24 | 11.9% | 18.2% | ||
| Q3 24 | 7.6% | 15.7% | ||
| Q2 24 | 11.0% | 16.1% | ||
| Q1 24 | 12.7% | 16.6% |
每股收益（稀释后）AFGCB
| Q4 25 | $3.59 | $8.05 | ||
| Q3 25 | $2.58 | $6.99 | ||
| Q2 25 | $2.07 | $7.35 | ||
| Q1 25 | $1.84 | $3.29 | ||
| Q4 24 | $3.03 | $6.31 | ||
| Q3 24 | $2.16 | $5.70 | ||
| Q2 24 | $2.49 | $5.46 | ||
| Q1 24 | $2.89 | $5.23 |
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 | — |
| 总债务越低越好 | $1.8B | $15.7B |
| 股东权益账面价值 | $4.8B | $73.8B |
| 总资产 | $32.6B | $272.3B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资AFGCB
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.1B | — | ||
| Q1 24 | $1.1B | — |
总债务AFGCB
| Q4 25 | $1.8B | $15.7B | ||
| Q3 25 | $1.8B | $15.7B | ||
| Q2 25 | $1.5B | $13.5B | ||
| Q1 25 | $1.5B | $14.5B | ||
| Q4 24 | $1.5B | $14.4B | ||
| Q3 24 | $1.5B | $14.6B | ||
| Q2 24 | $1.5B | $13.2B | ||
| Q1 24 | $1.5B | $13.2B |
股东权益AFGCB
| Q4 25 | $4.8B | $73.8B | ||
| Q3 25 | $4.7B | $71.9B | ||
| Q2 25 | $4.5B | $69.4B | ||
| Q1 25 | $4.4B | $65.7B | ||
| Q4 24 | $4.5B | $64.0B | ||
| Q3 24 | $4.7B | $65.8B | ||
| Q2 24 | $4.4B | $61.0B | ||
| Q1 24 | $4.2B | $60.5B |
总资产AFGCB
| Q4 25 | $32.6B | $272.3B | ||
| Q3 25 | $33.8B | $270.2B | ||
| Q2 25 | $30.7B | $261.6B | ||
| Q1 25 | $30.3B | $251.8B | ||
| Q4 24 | $30.8B | $246.5B | ||
| Q3 24 | $32.6B | $250.6B | ||
| Q2 24 | $29.9B | $238.6B | ||
| Q1 24 | $30.0B | $234.9B |
负债/权益比AFGCB
| Q4 25 | 0.38× | 0.21× | ||
| Q3 25 | 0.38× | 0.22× | ||
| Q2 25 | 0.33× | 0.19× | ||
| Q1 25 | 0.34× | 0.22× | ||
| Q4 24 | 0.33× | 0.22× | ||
| Q3 24 | 0.31× | 0.22× | ||
| Q2 24 | 0.34× | 0.22× | ||
| Q1 24 | 0.35× | 0.22× |
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 | $4.1B |
| 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× | 1.26× |
| 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AFGCB
| Q4 25 | $784.0M | $4.1B | ||
| Q3 25 | $216.0M | $3.6B | ||
| Q2 25 | $191.0M | $3.6B | ||
| Q1 25 | $342.0M | $1.6B | ||
| Q4 24 | $674.0M | $4.6B | ||
| Q3 24 | $459.0M | $4.3B | ||
| Q2 24 | $-88.0M | $4.1B | ||
| Q1 24 | $107.0M | $3.2B |
现金转化率AFGCB
| Q4 25 | 2.62× | 1.26× | ||
| Q3 25 | 1.00× | 1.30× | ||
| Q2 25 | 1.10× | 1.20× | ||
| Q1 25 | 2.22× | 1.18× | ||
| Q4 24 | 2.64× | 1.77× | ||
| Q3 24 | 2.54× | 1.86× | ||
| Q2 24 | -0.42× | 1.83× | ||
| Q1 24 | 0.44× | 1.50× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
