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西联汇款（AFG）与Compass, Inc.（COMP）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Compass, Inc.的1.2倍（$2.1B vs $1.7B），西联汇款净利率更高（14.5% vs -2.5%，领先17.0%），Compass, Inc.同比增速更快（23.1% vs -4.0%），过去两年Compass, Inc.的营收复合增速更高（27.0% 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。
Compass, Inc.是美国主营住宅房产经纪业务的企业，其平台旗下有约3.3万名经纪人，大多为独立合同工，运营Compass、21世纪不动产、科威国际不动产、苏富比国际地产、佳士得国际地产等多个知名房产经纪品牌。
AFG vs COMP — 直观对比
营收规模更大
AFG
是对方的1.2倍
$1.7B
营收增速更快
COMP
高出27.1%
-4.0%
净利率更高
AFG
高出17.0%
-2.5%
两年增速更快
COMP
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.7B |
| 净利润 | $299.0M | $-42.6M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | -2.5% |
| 净利率 | 14.5% | -2.5% |
| 营收同比 | -4.0% | 23.1% |
| 净利润同比 | 17.3% | -5.2% |
| 每股收益（稀释后） | $3.59 | $-0.07 |
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AFGCOMP
| Q4 25 | $2.1B | $1.7B | ||
| Q3 25 | $2.3B | $1.8B | ||
| Q2 25 | $1.9B | $2.1B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $2.1B | $1.4B | ||
| Q3 24 | $2.4B | $1.5B | ||
| Q2 24 | $1.9B | $1.7B | ||
| Q1 24 | $1.9B | $1.1B |
净利润AFGCOMP
| Q4 25 | $299.0M | $-42.6M | ||
| Q3 25 | $215.0M | $-4.6M | ||
| Q2 25 | $174.0M | $39.4M | ||
| Q1 25 | $154.0M | $-50.7M | ||
| Q4 24 | $255.0M | $-40.5M | ||
| Q3 24 | $181.0M | $-1.7M | ||
| Q2 24 | $209.0M | $20.7M | ||
| Q1 24 | $242.0M | $-132.9M |
营业利润率AFGCOMP
| Q4 25 | 18.4% | -2.5% | ||
| Q3 25 | 11.5% | -0.4% | ||
| Q2 25 | 11.9% | 1.9% | ||
| Q1 25 | 10.6% | -4.0% | ||
| Q4 24 | 14.9% | -2.9% | ||
| Q3 24 | 9.7% | -0.2% | ||
| Q2 24 | 14.3% | 1.3% | ||
| Q1 24 | 15.9% | -12.5% |
净利率AFGCOMP
| Q4 25 | 14.5% | -2.5% | ||
| Q3 25 | 9.2% | -0.2% | ||
| Q2 25 | 9.0% | 1.9% | ||
| Q1 25 | 8.3% | -3.7% | ||
| Q4 24 | 11.9% | -2.9% | ||
| Q3 24 | 7.6% | -0.1% | ||
| Q2 24 | 11.0% | 1.2% | ||
| Q1 24 | 12.7% | -12.6% |
每股收益（稀释后）AFGCOMP
| Q4 25 | $3.59 | $-0.07 | ||
| Q3 25 | $2.58 | $-0.01 | ||
| Q2 25 | $2.07 | $0.07 | ||
| Q1 25 | $1.84 | $-0.09 | ||
| Q4 24 | $3.03 | $-0.08 | ||
| Q3 24 | $2.16 | $0.00 | ||
| Q2 24 | $2.49 | $0.04 | ||
| Q1 24 | $2.89 | $-0.27 |
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 | $199.0M |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $782.0M |
| 总资产 | $32.6B | $1.5B |
| 负债/权益比越低杠杆越低 | 0.38× | — |
8季度趋势，按日历期对齐
现金及短期投资AFGCOMP
| Q4 25 | $1.7B | $199.0M | ||
| Q3 25 | $1.8B | $170.3M | ||
| Q2 25 | $1.3B | $177.3M | ||
| Q1 25 | $1.3B | $127.0M | ||
| Q4 24 | $1.4B | $223.8M | ||
| Q3 24 | $1.3B | $211.2M | ||
| Q2 24 | $1.1B | $185.8M | ||
| Q1 24 | $1.1B | $165.9M |
总债务AFGCOMP
| Q4 25 | $1.8B | — | ||
| 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AFGCOMP
| Q4 25 | $4.8B | $782.0M | ||
| Q3 25 | $4.7B | $773.3M | ||
| Q2 25 | $4.5B | $719.9M | ||
| Q1 25 | $4.4B | $635.0M | ||
| Q4 24 | $4.5B | $409.4M | ||
| Q3 24 | $4.7B | $428.0M | ||
| Q2 24 | $4.4B | $398.4M | ||
| Q1 24 | $4.2B | $330.3M |
总资产AFGCOMP
| Q4 25 | $32.6B | $1.5B | ||
| Q3 25 | $33.8B | $1.6B | ||
| Q2 25 | $30.7B | $1.6B | ||
| Q1 25 | $30.3B | $1.5B | ||
| Q4 24 | $30.8B | $1.2B | ||
| Q3 24 | $32.6B | $1.2B | ||
| Q2 24 | $29.9B | $1.2B | ||
| Q1 24 | $30.0B | $1.1B |
负债/权益比AFGCOMP
| Q4 25 | 0.38× | — | ||
| 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 | $45.3M |
| 自由现金流经营现金流 - 资本支出 | — | $42.2M |
| 自由现金流率自由现金流/营收 | — | 2.5% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 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 | — | $203.3M |
8季度趋势，按日历期对齐
经营现金流AFGCOMP
| Q4 25 | $784.0M | $45.3M | ||
| Q3 25 | $216.0M | $75.5M | ||
| Q2 25 | $191.0M | $72.8M | ||
| Q1 25 | $342.0M | $23.1M | ||
| Q4 24 | $674.0M | $30.5M | ||
| Q3 24 | $459.0M | $37.4M | ||
| Q2 24 | $-88.0M | $45.0M | ||
| Q1 24 | $107.0M | $8.6M |
自由现金流AFGCOMP
| Q4 25 | — | $42.2M | ||
| Q3 25 | — | $73.6M | ||
| Q2 25 | — | $68.0M | ||
| Q1 25 | — | $19.5M | ||
| Q4 24 | — | $26.7M | ||
| Q3 24 | — | $32.8M | ||
| Q2 24 | — | $40.4M | ||
| Q1 24 | — | $5.9M |
自由现金流率AFGCOMP
| Q4 25 | — | 2.5% | ||
| Q3 25 | — | 4.0% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 2.2% | ||
| Q2 24 | — | 2.4% | ||
| Q1 24 | — | 0.6% |
资本支出强度AFGCOMP
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.3% |
现金转化率AFGCOMP
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | — | ||
| Q2 25 | 1.10× | 1.85× | ||
| Q1 25 | 2.22× | — | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | — | ||
| Q2 24 | -0.42× | 2.17× | ||
| 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% |
COMP
暂无分部数据
