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西联汇款（AFG）与CenterPoint Energy（CNP）财务数据对比。点击上方公司名可切换其他公司
CenterPoint Energy的季度营收约是西联汇款的1.2倍（$2.4B vs $2.1B），西联汇款净利率更高（14.5% vs 10.8%，领先3.7%），CenterPoint Energy同比增速更快（10.7% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs -3.1%）
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。
CenterPoint Energy是总部位于美国得克萨斯州休斯敦的公用事业企业，位列《财富》美国500强，为印第安纳、俄亥俄、路易斯安那、明尼苏达、密西西比、得克萨斯六州多个区域的用户提供电力及天然气公用事业服务，曾使用Reliant Energy、Houston Industries等名称开展业务。
AFG vs CNP — 直观对比
营收规模更大
CNP
是对方的1.2倍
$2.1B
营收增速更快
CNP
高出14.7%
-4.0%
净利率更高
AFG
高出3.7%
10.8%
两年增速更快
AFG
近两年复合增速
-3.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $2.4B |
| 净利润 | $299.0M | $264.0M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 22.2% |
| 净利率 | 14.5% | 10.8% |
| 营收同比 | -4.0% | 10.7% |
| 净利润同比 | 17.3% | 6.5% |
| 每股收益（稀释后） | $3.59 | $0.40 |
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AFGCNP
| Q4 25 | $2.1B | $2.4B | ||
| Q3 25 | $2.3B | $2.0B | ||
| Q2 25 | $1.9B | $2.0B | ||
| Q1 25 | $1.9B | $3.0B | ||
| Q4 24 | $2.1B | $2.2B | ||
| Q3 24 | $2.4B | $1.8B | ||
| Q2 24 | $1.9B | $1.9B | ||
| Q1 24 | $1.9B | $2.6B |
净利润AFGCNP
| Q4 25 | $299.0M | $264.0M | ||
| Q3 25 | $215.0M | $293.0M | ||
| Q2 25 | $174.0M | $198.0M | ||
| Q1 25 | $154.0M | $297.0M | ||
| Q4 24 | $255.0M | $248.0M | ||
| Q3 24 | $181.0M | $193.0M | ||
| Q2 24 | $209.0M | $228.0M | ||
| Q1 24 | $242.0M | $350.0M |
毛利率AFGCNP
| Q4 25 | — | — | ||
| Q3 25 | — | 99.9% | ||
| Q2 25 | — | 99.9% | ||
| Q1 25 | — | 100.0% | ||
| Q4 24 | — | 100.0% | ||
| Q3 24 | — | 99.9% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 100.0% |
营业利润率AFGCNP
| Q4 25 | 18.4% | 22.2% | ||
| Q3 25 | 11.5% | 25.2% | ||
| Q2 25 | 11.9% | 21.4% | ||
| Q1 25 | 10.6% | 22.0% | ||
| Q4 24 | 14.9% | 21.9% | ||
| Q3 24 | 9.7% | 22.9% | ||
| Q2 24 | 14.3% | 24.5% | ||
| Q1 24 | 15.9% | 23.7% |
净利率AFGCNP
| Q4 25 | 14.5% | 10.8% | ||
| Q3 25 | 9.2% | 14.7% | ||
| Q2 25 | 9.0% | 10.1% | ||
| Q1 25 | 8.3% | 10.0% | ||
| Q4 24 | 11.9% | 11.3% | ||
| Q3 24 | 7.6% | 10.4% | ||
| Q2 24 | 11.0% | 12.0% | ||
| Q1 24 | 12.7% | 13.5% |
每股收益（稀释后）AFGCNP
| Q4 25 | $3.59 | $0.40 | ||
| Q3 25 | $2.58 | $0.45 | ||
| Q2 25 | $2.07 | $0.30 | ||
| Q1 25 | $1.84 | $0.45 | ||
| Q4 24 | $3.03 | $0.37 | ||
| Q3 24 | $2.16 | $0.30 | ||
| Q2 24 | $2.49 | $0.36 | ||
| Q1 24 | $2.89 | $0.55 |
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 | $548.0M |
| 总债务越低越好 | $1.8B | $20.6B |
| 股东权益账面价值 | $4.8B | $11.2B |
| 总资产 | $32.6B | $46.5B |
| 负债/权益比越低杠杆越低 | 0.38× | 1.84× |
8季度趋势，按日历期对齐
现金及短期投资AFGCNP
| Q4 25 | $1.7B | $548.0M | ||
| Q3 25 | $1.8B | $616.0M | ||
| Q2 25 | $1.3B | $776.0M | ||
| Q1 25 | $1.3B | $1.9B | ||
| Q4 24 | $1.4B | $585.0M | ||
| Q3 24 | $1.3B | $643.0M | ||
| Q2 24 | $1.1B | $543.0M | ||
| Q1 24 | $1.1B | $619.0M |
总债务AFGCNP
| Q4 25 | $1.8B | $20.6B | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | $20.4B | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
股东权益AFGCNP
| Q4 25 | $4.8B | $11.2B | ||
| Q3 25 | $4.7B | $11.0B | ||
| Q2 25 | $4.5B | $11.0B | ||
| Q1 25 | $4.4B | $11.0B | ||
| Q4 24 | $4.5B | $10.7B | ||
| Q3 24 | $4.7B | $10.5B | ||
| Q2 24 | $4.4B | $10.4B | ||
| Q1 24 | $4.2B | $10.0B |
总资产AFGCNP
| Q4 25 | $32.6B | $46.5B | ||
| Q3 25 | $33.8B | $45.0B | ||
| Q2 25 | $30.7B | $44.1B | ||
| Q1 25 | $30.3B | $44.5B | ||
| Q4 24 | $30.8B | $43.8B | ||
| Q3 24 | $32.6B | $42.9B | ||
| Q2 24 | $29.9B | $41.0B | ||
| Q1 24 | $30.0B | $40.2B |
负债/权益比AFGCNP
| Q4 25 | 0.38× | 1.84× | ||
| Q3 25 | 0.38× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.33× | 1.91× | ||
| 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 | $774.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-707.0M |
| 自由现金流率自由现金流/营收 | — | -29.0% |
| 资本支出强度资本支出/营收 | — | 60.7% |
| 现金转化率经营现金流/净利润 | 2.62× | 2.93× |
| 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AFGCNP
| Q4 25 | $784.0M | $774.0M | ||
| Q3 25 | $216.0M | $742.0M | ||
| Q2 25 | $191.0M | $560.0M | ||
| Q1 25 | $342.0M | $410.0M | ||
| Q4 24 | $674.0M | $889.0M | ||
| Q3 24 | $459.0M | $136.0M | ||
| Q2 24 | $-88.0M | $576.0M | ||
| Q1 24 | $107.0M | $538.0M |
自由现金流AFGCNP
| Q4 25 | — | $-707.0M | ||
| Q3 25 | — | $-480.0M | ||
| Q2 25 | — | $-569.0M | ||
| Q1 25 | — | $-628.0M | ||
| Q4 24 | — | $-1.1B | ||
| Q3 24 | — | $-708.0M | ||
| Q2 24 | — | $-236.0M | ||
| Q1 24 | — | $-307.0M |
自由现金流率AFGCNP
| Q4 25 | — | -29.0% | ||
| Q3 25 | — | -24.1% | ||
| Q2 25 | — | -29.1% | ||
| Q1 25 | — | -21.2% | ||
| Q4 24 | — | -51.0% | ||
| Q3 24 | — | -38.3% | ||
| Q2 24 | — | -12.4% | ||
| Q1 24 | — | -11.8% |
资本支出强度AFGCNP
| Q4 25 | — | 60.7% | ||
| Q3 25 | — | 61.4% | ||
| Q2 25 | — | 57.8% | ||
| Q1 25 | — | 35.1% | ||
| Q4 24 | — | 91.3% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 42.6% | ||
| Q1 24 | — | 32.6% |
现金转化率AFGCNP
| Q4 25 | 2.62× | 2.93× | ||
| Q3 25 | 1.00× | 2.53× | ||
| Q2 25 | 1.10× | 2.83× | ||
| Q1 25 | 2.22× | 1.38× | ||
| Q4 24 | 2.64× | 3.58× | ||
| Q3 24 | 2.54× | 0.70× | ||
| Q2 24 | -0.42× | 2.53× | ||
| Q1 24 | 0.44× | 1.54× |
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% |
CNP
| Electric Segment | $945.0M | 39% |
| Electric | $890.0M | 37% |
| Other | $603.0M | 25% |
