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西联汇款（AFG）与加拿大国家铁路（CP）财务数据对比。点击上方公司名可切换其他公司
加拿大国家铁路的季度营收约是西联汇款的1.4倍（$2.8B vs $2.1B），加拿大国家铁路净利率更高（27.7% vs 14.5%，领先13.2%），加拿大国家铁路同比增速更快（1.3% vs -4.0%），过去两年加拿大国家铁路的营收复合增速更高（5.6% 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。
加拿大国家铁路是加拿大一级货运铁路企业，总部位于魁北克省蒙特利尔市，业务覆盖加拿大全境及美国中西部、南部区域，是加拿大两大主力货运铁路运营商之一，与加拿大太平洋堪萨斯城铁路公司齐名。
AFG vs CP — 直观对比
营收规模更大
CP
是对方的1.4倍
$2.1B
营收增速更快
CP
高出5.3%
-4.0%
净利率更高
CP
高出13.2%
14.5%
两年增速更快
CP
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $2.8B |
| 净利润 | $299.0M | $786.2M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 41.4% |
| 净利率 | 14.5% | 27.7% |
| 营收同比 | -4.0% | 1.3% |
| 净利润同比 | 17.3% | -10.3% |
| 每股收益（稀释后） | $3.59 | — |
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AFGCP
| Q4 25 | $2.1B | $2.8B | ||
| Q3 25 | $2.3B | $2.7B | ||
| Q2 25 | $1.9B | $2.7B | ||
| Q1 25 | $1.9B | $2.8B | ||
| Q4 24 | $2.1B | $2.8B | ||
| Q3 24 | $2.4B | $2.6B | ||
| Q2 24 | $1.9B | $2.6B | ||
| Q1 24 | $1.9B | $2.5B |
净利润AFGCP
| Q4 25 | $299.0M | $786.2M | ||
| Q3 25 | $215.0M | $671.6M | ||
| Q2 25 | $174.0M | $900.8M | ||
| Q1 25 | $154.0M | $664.3M | ||
| Q4 24 | $255.0M | $876.7M | ||
| Q3 24 | $181.0M | $611.0M | ||
| Q2 24 | $209.0M | $660.6M | ||
| Q1 24 | $242.0M | $565.8M |
营业利润率AFGCP
| Q4 25 | 18.4% | 41.4% | ||
| Q3 25 | 11.5% | 36.8% | ||
| Q2 25 | 11.9% | 36.6% | ||
| Q1 25 | 10.6% | 35.0% | ||
| Q4 24 | 14.9% | 40.6% | ||
| Q3 24 | 9.7% | 34.3% | ||
| Q2 24 | 14.3% | 35.4% | ||
| Q1 24 | 15.9% | 32.9% |
净利率AFGCP
| Q4 25 | 14.5% | 27.7% | ||
| Q3 25 | 9.2% | 25.3% | ||
| Q2 25 | 9.0% | 33.6% | ||
| Q1 25 | 8.3% | 24.2% | ||
| Q4 24 | 11.9% | 31.2% | ||
| Q3 24 | 7.6% | 23.9% | ||
| Q2 24 | 11.0% | 25.3% | ||
| Q1 24 | 12.7% | 22.2% |
每股收益（稀释后）AFGCP
| Q4 25 | $3.59 | — | ||
| Q3 25 | $2.58 | — | ||
| Q2 25 | $2.07 | — | ||
| Q1 25 | $1.84 | — | ||
| Q4 24 | $3.03 | — | ||
| Q3 24 | $2.16 | — | ||
| Q2 24 | $2.49 | — | ||
| Q1 24 | $2.89 | — |
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 | $134.3M |
| 总债务越低越好 | $1.8B | $14.6B |
| 股东权益账面价值 | $4.8B | $33.5B |
| 总资产 | $32.6B | $62.7B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.43× |
8季度趋势，按日历期对齐
现金及短期投资AFGCP
| Q4 25 | $1.7B | $134.3M | ||
| Q3 25 | $1.8B | $300.0M | ||
| Q2 25 | $1.3B | $583.3M | ||
| Q1 25 | $1.3B | $507.4M | ||
| Q4 24 | $1.4B | $539.5M | ||
| Q3 24 | $1.3B | $338.0M | ||
| Q2 24 | $1.1B | $406.6M | ||
| Q1 24 | $1.1B | $378.9M |
总债务AFGCP
| Q4 25 | $1.8B | $14.6B | ||
| Q3 25 | $1.8B | $15.8B | ||
| Q2 25 | $1.5B | $15.5B | ||
| Q1 25 | $1.5B | $15.4B | ||
| Q4 24 | $1.5B | $14.5B | ||
| Q3 24 | $1.5B | $13.7B | ||
| Q2 24 | $1.5B | $13.8B | ||
| Q1 24 | $1.5B | $13.7B |
股东权益AFGCP
| Q4 25 | $4.8B | $33.5B | ||
| Q3 25 | $4.7B | $33.4B | ||
| Q2 25 | $4.5B | $33.7B | ||
| Q1 25 | $4.4B | $35.2B | ||
| Q4 24 | $4.5B | $35.0B | ||
| Q3 24 | $4.7B | $32.2B | ||
| Q2 24 | $4.4B | $32.0B | ||
| Q1 24 | $4.2B | $31.3B |
总资产AFGCP
| Q4 25 | $32.6B | $62.7B | ||
| Q3 25 | $33.8B | $63.3B | ||
| Q2 25 | $30.7B | $62.2B | ||
| Q1 25 | $30.3B | $64.3B | ||
| Q4 24 | $30.8B | $64.1B | ||
| Q3 24 | $32.6B | $60.0B | ||
| Q2 24 | $29.9B | $60.4B | ||
| Q1 24 | $30.0B | $59.6B |
负债/权益比AFGCP
| Q4 25 | 0.38× | 0.43× | ||
| Q3 25 | 0.38× | 0.47× | ||
| Q2 25 | 0.33× | 0.46× | ||
| Q1 25 | 0.34× | 0.44× | ||
| Q4 24 | 0.33× | 0.41× | ||
| Q3 24 | 0.31× | 0.42× | ||
| Q2 24 | 0.34× | 0.43× | ||
| Q1 24 | 0.35× | 0.44× |
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 | $1.1B |
| 自由现金流经营现金流 - 资本支出 | — | $537.3M |
| 自由现金流率自由现金流/营收 | — | 18.9% |
| 资本支出强度资本支出/营收 | — | 20.2% |
| 现金转化率经营现金流/净利润 | 2.62× | 1.42× |
| 过去12个月自由现金流最近4个季度 | — | $1.6B |
8季度趋势，按日历期对齐
经营现金流AFGCP
| Q4 25 | $784.0M | $1.1B | ||
| Q3 25 | $216.0M | $930.0M | ||
| Q2 25 | $191.0M | $989.1M | ||
| Q1 25 | $342.0M | $843.9M | ||
| Q4 24 | $674.0M | $1.2B | ||
| Q3 24 | $459.0M | $928.6M | ||
| Q2 24 | $-88.0M | $932.9M | ||
| Q1 24 | $107.0M | $741.0M |
自由现金流AFGCP
| Q4 25 | — | $537.3M | ||
| Q3 25 | — | $302.2M | ||
| Q2 25 | — | $446.8M | ||
| Q1 25 | — | $324.9M | ||
| Q4 24 | — | $702.3M | ||
| Q3 24 | — | $382.5M | ||
| Q2 24 | — | $343.1M | ||
| Q1 24 | — | $356.2M |
自由现金流率AFGCP
| Q4 25 | — | 18.9% | ||
| Q3 25 | — | 11.4% | ||
| Q2 25 | — | 16.7% | ||
| Q1 25 | — | 11.8% | ||
| Q4 24 | — | 25.0% | ||
| Q3 24 | — | 15.0% | ||
| Q2 24 | — | 13.1% | ||
| Q1 24 | — | 14.0% |
资本支出强度AFGCP
| Q4 25 | — | 20.2% | ||
| Q3 25 | — | 23.7% | ||
| Q2 25 | — | 20.2% | ||
| Q1 25 | — | 18.9% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 21.4% | ||
| Q2 24 | — | 22.6% | ||
| Q1 24 | — | 15.1% |
现金转化率AFGCP
| Q4 25 | 2.62× | 1.42× | ||
| Q3 25 | 1.00× | 1.38× | ||
| Q2 25 | 1.10× | 1.10× | ||
| Q1 25 | 2.22× | 1.27× | ||
| Q4 24 | 2.64× | 1.42× | ||
| Q3 24 | 2.54× | 1.52× | ||
| Q2 24 | -0.42× | 1.41× | ||
| Q1 24 | 0.44× | 1.31× |
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% |
CP
暂无分部数据
