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西联汇款（AFG）与亿客行集团（EXPE）财务数据对比。点击上方公司名可切换其他公司
亿客行集团的季度营收约是西联汇款的1.7倍（$3.5B vs $2.1B），西联汇款净利率更高（14.5% vs 5.8%，领先8.7%），亿客行集团同比增速更快（18.7% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs -0.2%）
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。
亿客行集团是总部位于美国西雅图的在线旅游服务商，旗下旅行预订平台Expedia于1996年由微软推出。用户可通过其官方网站及移动应用预订机票、酒店、租车、邮轮、特色活动及度假短租等产品，为全球消费者提供便捷的一站式旅行服务解决方案。
AFG vs EXPE — 直观对比
营收规模更大
EXPE
是对方的1.7倍
$2.1B
营收增速更快
EXPE
高出22.7%
-4.0%
净利率更高
AFG
高出8.7%
5.8%
两年增速更快
AFG
近两年复合增速
-0.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $3.5B |
| 净利润 | $299.0M | $205.0M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 11.8% |
| 净利率 | 14.5% | 5.8% |
| 营收同比 | -4.0% | 18.7% |
| 净利润同比 | 17.3% | 202.5% |
| 每股收益（稀释后） | $3.59 | $1.56 |
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AFGEXPE
| Q1 26 | — | $3.5B | ||
| Q4 25 | $2.1B | $3.5B | ||
| Q3 25 | $2.3B | $4.4B | ||
| Q2 25 | $1.9B | $3.8B | ||
| Q1 25 | $1.9B | $3.0B | ||
| Q4 24 | $2.1B | $3.2B | ||
| Q3 24 | $2.4B | $4.1B | ||
| Q2 24 | $1.9B | $3.6B |
净利润AFGEXPE
| Q1 26 | — | $205.0M | ||
| Q4 25 | $299.0M | $205.0M | ||
| Q3 25 | $215.0M | $959.0M | ||
| Q2 25 | $174.0M | $330.0M | ||
| Q1 25 | $154.0M | $-200.0M | ||
| Q4 24 | $255.0M | $299.0M | ||
| Q3 24 | $181.0M | $684.0M | ||
| Q2 24 | $209.0M | $386.0M |
营业利润率AFGEXPE
| Q1 26 | — | 11.8% | ||
| Q4 25 | 18.4% | 11.8% | ||
| Q3 25 | 11.5% | 23.5% | ||
| Q2 25 | 11.9% | 12.8% | ||
| Q1 25 | 10.6% | -2.3% | ||
| Q4 24 | 14.9% | 6.8% | ||
| Q3 24 | 9.7% | 18.8% | ||
| Q2 24 | 14.3% | 12.7% |
净利率AFGEXPE
| Q1 26 | — | 5.8% | ||
| Q4 25 | 14.5% | 5.8% | ||
| Q3 25 | 9.2% | 21.7% | ||
| Q2 25 | 9.0% | 8.7% | ||
| Q1 25 | 8.3% | -6.7% | ||
| Q4 24 | 11.9% | 9.4% | ||
| Q3 24 | 7.6% | 16.8% | ||
| Q2 24 | 11.0% | 10.8% |
每股收益（稀释后）AFGEXPE
| Q1 26 | — | $1.56 | ||
| Q4 25 | $3.59 | $1.56 | ||
| Q3 25 | $2.58 | $7.33 | ||
| Q2 25 | $2.07 | $2.48 | ||
| Q1 25 | $1.84 | $-1.56 | ||
| Q4 24 | $3.03 | $2.10 | ||
| Q3 24 | $2.16 | $5.04 | ||
| Q2 24 | $2.49 | $2.80 |
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 | $5.7B |
| 总债务越低越好 | $1.8B | $6.2B |
| 股东权益账面价值 | $4.8B | $1.3B |
| 总资产 | $32.6B | $24.5B |
| 负债/权益比越低杠杆越低 | 0.38× | 4.80× |
8季度趋势，按日历期对齐
现金及短期投资AFGEXPE
| Q1 26 | — | $5.7B | ||
| Q4 25 | $1.7B | $5.7B | ||
| Q3 25 | $1.8B | $6.2B | ||
| Q2 25 | $1.3B | $6.7B | ||
| Q1 25 | $1.3B | $6.1B | ||
| Q4 24 | $1.4B | $4.5B | ||
| Q3 24 | $1.3B | $4.9B | ||
| Q2 24 | $1.1B | $6.3B |
总债务AFGEXPE
| Q1 26 | — | $6.2B | ||
| Q4 25 | $1.8B | $6.2B | ||
| Q3 25 | $1.8B | $6.2B | ||
| Q2 25 | $1.5B | $6.2B | ||
| Q1 25 | $1.5B | $6.2B | ||
| Q4 24 | $1.5B | $6.3B | ||
| Q3 24 | $1.5B | $6.3B | ||
| Q2 24 | $1.5B | $6.3B |
股东权益AFGEXPE
| Q1 26 | — | $1.3B | ||
| Q4 25 | $4.8B | $1.3B | ||
| Q3 25 | $4.7B | $1.3B | ||
| Q2 25 | $4.5B | $836.0M | ||
| Q1 25 | $4.4B | $1.1B | ||
| Q4 24 | $4.5B | $1.6B | ||
| Q3 24 | $4.7B | $1.3B | ||
| Q2 24 | $4.4B | $889.0M |
总资产AFGEXPE
| Q1 26 | — | $24.5B | ||
| Q4 25 | $32.6B | $24.5B | ||
| Q3 25 | $33.8B | $25.1B | ||
| Q2 25 | $30.7B | $27.0B | ||
| Q1 25 | $30.3B | $26.1B | ||
| Q4 24 | $30.8B | $22.4B | ||
| Q3 24 | $32.6B | $23.4B | ||
| Q2 24 | $29.9B | $25.9B |
负债/权益比AFGEXPE
| Q1 26 | — | 4.80× | ||
| Q4 25 | 0.38× | 4.80× | ||
| Q3 25 | 0.38× | 4.65× | ||
| Q2 25 | 0.33× | 7.43× | ||
| Q1 25 | 0.34× | 5.79× | ||
| Q4 24 | 0.33× | 4.02× | ||
| Q3 24 | 0.31× | 4.74× | ||
| Q2 24 | 0.34× | 7.04× |
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 | — |
| 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AFGEXPE
| Q1 26 | — | — | ||
| Q4 25 | $784.0M | $304.0M | ||
| Q3 25 | $216.0M | $-497.0M | ||
| Q2 25 | $191.0M | $1.1B | ||
| Q1 25 | $342.0M | $3.0B | ||
| Q4 24 | $674.0M | $198.0M | ||
| Q3 24 | $459.0M | $-1.5B | ||
| Q2 24 | $-88.0M | $1.5B |
自由现金流AFGEXPE
| Q1 26 | — | — | ||
| Q4 25 | — | $119.0M | ||
| Q3 25 | — | $-686.0M | ||
| Q2 25 | — | $921.0M | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | — | $7.0M | ||
| Q3 24 | — | $-1.7B | ||
| Q2 24 | — | $1.3B |
自由现金流率AFGEXPE
| Q1 26 | — | — | ||
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | -15.5% | ||
| Q2 25 | — | 24.3% | ||
| Q1 25 | — | 92.2% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | -41.6% | ||
| Q2 24 | — | 36.7% |
资本支出强度AFGEXPE
| Q1 26 | — | — | ||
| Q4 25 | — | 5.2% | ||
| Q3 25 | — | 4.3% | ||
| Q2 25 | — | 5.3% | ||
| Q1 25 | — | 6.6% | ||
| Q4 24 | — | 6.0% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | 5.5% |
现金转化率AFGEXPE
| Q1 26 | — | — | ||
| Q4 25 | 2.62× | 1.48× | ||
| Q3 25 | 1.00× | -0.52× | ||
| Q2 25 | 1.10× | 3.40× | ||
| Q1 25 | 2.22× | — | ||
| Q4 24 | 2.64× | 0.66× | ||
| Q3 24 | 2.54× | -2.18× | ||
| Q2 24 | -0.42× | 3.89× |
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% |
EXPE
暂无分部数据
