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西联汇款（AFG）与CIVITAS RESOURCES, INC.（CIVI）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CIVITAS RESOURCES, INC.的1.8倍（$2.1B vs $1.2B），西联汇款同比增速更快（-4.0% vs -8.2%），过去两年西联汇款的营收复合增速更高（4.0% vs 1.8%）
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。
Civitas Resources是一家总部位于美国的可持续能源企业，主要从事石油、天然气及天然气凝液的勘探、开发与生产业务，核心运营区域位于科罗拉多州丹佛-朱尔斯堡盆地，专注于低排放的负责任能源开发，服务北美能源市场需求。
AFG vs CIVI — 直观对比
营收规模更大
AFG
是对方的1.8倍
$1.2B
营收增速更快
AFG
高出4.2%
-8.2%
两年增速更快
AFG
近两年复合增速
1.8%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.2B |
| 净利润 | $299.0M | — |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 20.0% |
| 净利率 | 14.5% | — |
| 营收同比 | -4.0% | -8.2% |
| 净利润同比 | 17.3% | — |
| 每股收益（稀释后） | $3.59 | $1.99 |
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AFGCIVI
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.3B | $1.2B | ||
| Q2 25 | $1.9B | $1.1B | ||
| Q1 25 | $1.9B | $1.2B | ||
| Q4 24 | $2.1B | $1.3B | ||
| Q3 24 | $2.4B | $1.3B | ||
| Q2 24 | $1.9B | $1.3B | ||
| Q1 24 | $1.9B | $1.3B |
净利润AFGCIVI
| Q4 25 | $299.0M | — | ||
| Q3 25 | $215.0M | — | ||
| Q2 25 | $174.0M | — | ||
| Q1 25 | $154.0M | — | ||
| Q4 24 | $255.0M | — | ||
| Q3 24 | $181.0M | — | ||
| Q2 24 | $209.0M | — | ||
| Q1 24 | $242.0M | — |
营业利润率AFGCIVI
| Q4 25 | 18.4% | — | ||
| Q3 25 | 11.5% | 20.0% | ||
| Q2 25 | 11.9% | 15.3% | ||
| Q1 25 | 10.6% | 20.7% | ||
| Q4 24 | 14.9% | 15.4% | ||
| Q3 24 | 9.7% | 30.6% | ||
| Q2 24 | 14.3% | 21.6% | ||
| Q1 24 | 15.9% | 15.9% |
净利率AFGCIVI
| Q4 25 | 14.5% | — | ||
| Q3 25 | 9.2% | — | ||
| Q2 25 | 9.0% | — | ||
| Q1 25 | 8.3% | — | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 7.6% | — | ||
| Q2 24 | 11.0% | — | ||
| Q1 24 | 12.7% | — |
每股收益（稀释后）AFGCIVI
| Q4 25 | $3.59 | — | ||
| Q3 25 | $2.58 | $1.99 | ||
| Q2 25 | $2.07 | $1.34 | ||
| Q1 25 | $1.84 | $1.99 | ||
| Q4 24 | $3.03 | $1.56 | ||
| Q3 24 | $2.16 | $3.01 | ||
| Q2 24 | $2.49 | $2.15 | ||
| Q1 24 | $2.89 | $1.74 |
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 | $56.0M |
| 总债务越低越好 | $1.8B | $5.1B |
| 股东权益账面价值 | $4.8B | $6.7B |
| 总资产 | $32.6B | $15.1B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.77× |
8季度趋势，按日历期对齐
现金及短期投资AFGCIVI
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.8B | $56.0M | ||
| Q2 25 | $1.3B | $69.0M | ||
| Q1 25 | $1.3B | $20.0M | ||
| Q4 24 | $1.4B | $76.0M | ||
| Q3 24 | $1.3B | $47.1M | ||
| Q2 24 | $1.1B | $91.9M | ||
| Q1 24 | $1.1B | $52.1M |
总债务AFGCIVI
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.8B | $5.1B | ||
| Q2 25 | $1.5B | $5.4B | ||
| Q1 25 | $1.5B | $5.1B | ||
| Q4 24 | $1.5B | $4.5B | ||
| Q3 24 | $1.5B | $4.8B | ||
| Q2 24 | $1.5B | $4.9B | ||
| Q1 24 | $1.5B | $4.4B |
股东权益AFGCIVI
| Q4 25 | $4.8B | — | ||
| Q3 25 | $4.7B | $6.7B | ||
| Q2 25 | $4.5B | $6.8B | ||
| Q1 25 | $4.4B | $6.7B | ||
| Q4 24 | $4.5B | $6.6B | ||
| Q3 24 | $4.7B | $6.7B | ||
| Q2 24 | $4.4B | $6.6B | ||
| Q1 24 | $4.2B | $6.6B |
总资产AFGCIVI
| Q4 25 | $32.6B | — | ||
| Q3 25 | $33.8B | $15.1B | ||
| Q2 25 | $30.7B | $15.4B | ||
| Q1 25 | $30.3B | $15.3B | ||
| Q4 24 | $30.8B | $14.9B | ||
| Q3 24 | $32.6B | $15.0B | ||
| Q2 24 | $29.9B | $15.0B | ||
| Q1 24 | $30.0B | $15.1B |
负债/权益比AFGCIVI
| Q4 25 | 0.38× | — | ||
| Q3 25 | 0.38× | 0.77× | ||
| Q2 25 | 0.33× | 0.79× | ||
| Q1 25 | 0.34× | 0.76× | ||
| Q4 24 | 0.33× | 0.68× | ||
| Q3 24 | 0.31× | 0.73× | ||
| Q2 24 | 0.34× | 0.74× | ||
| Q1 24 | 0.35× | 0.67× |
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 | $860.0M |
| 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× | — |
| 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AFGCIVI
| Q4 25 | $784.0M | — | ||
| Q3 25 | $216.0M | $860.0M | ||
| Q2 25 | $191.0M | $298.0M | ||
| Q1 25 | $342.0M | $719.0M | ||
| Q4 24 | $674.0M | $858.2M | ||
| Q3 24 | $459.0M | $835.0M | ||
| Q2 24 | $-88.0M | $359.0M | ||
| Q1 24 | $107.0M | $813.0M |
现金转化率AFGCIVI
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | — | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 2.22× | — | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | — | ||
| 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
业务分部营收拆解
AFG
| Property And Casualty Insurance | $2.0B | 96% |
| Other | $83.0M | 4% |
CIVI
| Crude Oil Natural Gas And Natural Gas Liquids | $1.2B | 99% |
| Oil And Gas Operation And Maintenance | $8.0M | 1% |
| Natural Gas Reserves | $2.0M | 0% |
