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西联汇款（AFG）与CNA FINANCIAL CORP（CNA）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CNA FINANCIAL CORP的5.3倍（$2.1B vs $389.0M）。CNA FINANCIAL CORP净利率更高（77.6% vs 14.5%，领先63.1%）。CNA FINANCIAL CORP同比增速更快（-2.0% vs -4.0%）。过去两年西联汇款的营收复合增速更高（4.0% vs -2.2%）
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。
CNA金融公司是总部位于美国伊利诺伊州芝加哥的金融企业，旗下核心子公司大陆意外伤害保险公司成立于1897年，大陆保险公司的历史则可追溯至1853年，当前母公司CNA于1967年正式注册成立，在保险及金融服务领域拥有深厚的行业积淀。
AFG vs CNA — 直观对比
营收规模更大
AFG
是对方的5.3倍
$389.0M
营收增速更快
CNA
高出2.0%
-4.0%
净利率更高
CNA
高出63.1%
14.5%
两年增速更快
AFG
近两年复合增速
-2.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $389.0M |
| 净利润 | $299.0M | $302.0M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 97.2% |
| 净利率 | 14.5% | 77.6% |
| 营收同比 | -4.0% | -2.0% |
| 净利润同比 | 17.3% | 1338.1% |
| 每股收益（稀释后） | $3.59 | $1.11 |
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AFGCNA
| Q4 25 | $2.1B | $389.0M | ||
| Q3 25 | $2.3B | $393.0M | ||
| Q2 25 | $1.9B | $398.0M | ||
| Q1 25 | $1.9B | $397.0M | ||
| Q4 24 | $2.1B | $397.0M | ||
| Q3 24 | $2.4B | $401.0M | ||
| Q2 24 | $1.9B | $404.0M | ||
| Q1 24 | $1.9B | $407.0M |
净利润AFGCNA
| Q4 25 | $299.0M | $302.0M | ||
| Q3 25 | $215.0M | $403.0M | ||
| Q2 25 | $174.0M | $299.0M | ||
| Q1 25 | $154.0M | $274.0M | ||
| Q4 24 | $255.0M | $21.0M | ||
| Q3 24 | $181.0M | $283.0M | ||
| Q2 24 | $209.0M | $317.0M | ||
| Q1 24 | $242.0M | $338.0M |
营业利润率AFGCNA
| Q4 25 | 18.4% | 97.2% | ||
| Q3 25 | 11.5% | — | ||
| Q2 25 | 11.9% | 95.5% | ||
| Q1 25 | 10.6% | 87.9% | ||
| Q4 24 | 14.9% | 5.3% | ||
| Q3 24 | 9.7% | 90.0% | ||
| Q2 24 | 14.3% | 99.5% | ||
| Q1 24 | 15.9% | — |
净利率AFGCNA
| Q4 25 | 14.5% | 77.6% | ||
| Q3 25 | 9.2% | 102.5% | ||
| Q2 25 | 9.0% | 75.1% | ||
| Q1 25 | 8.3% | 69.0% | ||
| Q4 24 | 11.9% | 5.3% | ||
| Q3 24 | 7.6% | 70.6% | ||
| Q2 24 | 11.0% | 78.5% | ||
| Q1 24 | 12.7% | 83.0% |
每股收益（稀释后）AFGCNA
| Q4 25 | $3.59 | $1.11 | ||
| Q3 25 | $2.58 | $1.48 | ||
| Q2 25 | $2.07 | $1.10 | ||
| Q1 25 | $1.84 | $1.00 | ||
| Q4 24 | $3.03 | $0.07 | ||
| Q3 24 | $2.16 | $1.04 | ||
| Q2 24 | $2.49 | $1.17 | ||
| Q1 24 | $2.89 | $1.24 |
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 | $3.0B |
| 股东权益账面价值 | $4.8B | $11.6B |
| 总资产 | $32.6B | $69.4B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资AFGCNA
| 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AFGCNA
| Q4 25 | $1.8B | $3.0B | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | $3.0B | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
股东权益AFGCNA
| Q4 25 | $4.8B | $11.6B | ||
| Q3 25 | $4.7B | $11.3B | ||
| Q2 25 | $4.5B | $10.7B | ||
| Q1 25 | $4.4B | $10.3B | ||
| Q4 24 | $4.5B | $10.5B | ||
| Q3 24 | $4.7B | $10.8B | ||
| Q2 24 | $4.4B | $9.9B | ||
| Q1 24 | $4.2B | $9.7B |
总资产AFGCNA
| Q4 25 | $32.6B | $69.4B | ||
| Q3 25 | $33.8B | $69.8B | ||
| Q2 25 | $30.7B | $68.9B | ||
| Q1 25 | $30.3B | $67.3B | ||
| Q4 24 | $30.8B | $66.5B | ||
| Q3 24 | $32.6B | $67.4B | ||
| Q2 24 | $29.9B | $65.2B | ||
| Q1 24 | $30.0B | $65.1B |
负债/权益比AFGCNA
| Q4 25 | 0.38× | 0.26× | ||
| Q3 25 | 0.38× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.33× | 0.28× | ||
| 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 | $570.0M |
| 自由现金流经营现金流 - 资本支出 | — | $542.0M |
| 自由现金流率自由现金流/营收 | — | 139.3% |
| 资本支出强度资本支出/营收 | — | 7.2% |
| 现金转化率经营现金流/净利润 | 2.62× | 1.89× |
| 过去12个月自由现金流最近4个季度 | — | $2.4B |
8季度趋势，按日历期对齐
经营现金流AFGCNA
| Q4 25 | $784.0M | $570.0M | ||
| Q3 25 | $216.0M | $720.0M | ||
| Q2 25 | $191.0M | $562.0M | ||
| Q1 25 | $342.0M | $638.0M | ||
| Q4 24 | $674.0M | $703.0M | ||
| Q3 24 | $459.0M | $748.0M | ||
| Q2 24 | $-88.0M | $616.0M | ||
| Q1 24 | $107.0M | $504.0M |
自由现金流AFGCNA
| Q4 25 | — | $542.0M | ||
| Q3 25 | — | $704.0M | ||
| Q2 25 | — | $538.0M | ||
| Q1 25 | — | $620.0M | ||
| Q4 24 | — | $665.0M | ||
| Q3 24 | — | $730.0M | ||
| Q2 24 | — | $597.0M | ||
| Q1 24 | — | $484.0M |
自由现金流率AFGCNA
| Q4 25 | — | 139.3% | ||
| Q3 25 | — | 179.1% | ||
| Q2 25 | — | 135.2% | ||
| Q1 25 | — | 156.2% | ||
| Q4 24 | — | 167.5% | ||
| Q3 24 | — | 182.0% | ||
| Q2 24 | — | 147.8% | ||
| Q1 24 | — | 118.9% |
资本支出强度AFGCNA
| Q4 25 | — | 7.2% | ||
| Q3 25 | — | 4.1% | ||
| Q2 25 | — | 6.0% | ||
| Q1 25 | — | 4.5% | ||
| Q4 24 | — | 9.6% | ||
| Q3 24 | — | 4.5% | ||
| Q2 24 | — | 4.7% | ||
| Q1 24 | — | 4.9% |
现金转化率AFGCNA
| Q4 25 | 2.62× | 1.89× | ||
| Q3 25 | 1.00× | 1.79× | ||
| Q2 25 | 1.10× | 1.88× | ||
| Q1 25 | 2.22× | 2.33× | ||
| Q4 24 | 2.64× | 33.48× | ||
| Q3 24 | 2.54× | 2.64× | ||
| Q2 24 | -0.42× | 1.94× | ||
| Q1 24 | 0.44× | 1.49× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
