vs
西联汇款（AFG）与Gen Digital（GEN）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Gen Digital的1.7倍（$2.1B vs $1.2B），Gen Digital净利率更高（15.5% vs 14.5%，领先1.0%），Gen Digital同比增速更快（28.5% vs -4.0%），过去两年Gen Digital的营收复合增速更高（13.2% 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。
Gen Digital是一家跨国软件企业，双总部分别设于美国亚利桑那州坦佩和欧盟捷克布拉格，是财富500强企业及标普500指数成分股，同时在纳斯达克与布拉格证券交易所挂牌上市。公司主营网络安全软件、金融科技及相关服务，旗下拥有诺顿、Avast、LifeLock、AVG、CCleaner等多个知名品牌。
AFG vs GEN — 直观对比
营收规模更大
AFG
是对方的1.7倍
$1.2B
营收增速更快
GEN
高出32.5%
-4.0%
净利率更高
GEN
高出1.0%
14.5%
两年增速更快
GEN
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.2B |
| 净利润 | $299.0M | $192.0M |
| 毛利率 | — | 78.4% |
| 营业利润率 | 18.4% | 34.9% |
| 净利率 | 14.5% | 15.5% |
| 营收同比 | -4.0% | 28.5% |
| 净利润同比 | 17.3% | 6.1% |
| 每股收益（稀释后） | $3.59 | $0.31 |
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AFGGEN
| Q1 26 | — | $1.2B | ||
| Q4 25 | $2.1B | $1.2B | ||
| Q3 25 | $2.3B | $1.3B | ||
| Q2 25 | $1.9B | — | ||
| Q1 25 | $1.9B | $1.0B | ||
| Q4 24 | $2.1B | $986.0M | ||
| Q3 24 | $2.4B | $974.0M | ||
| Q2 24 | $1.9B | $965.0M |
净利润AFGGEN
| Q1 26 | — | $192.0M | ||
| Q4 25 | $299.0M | $134.0M | ||
| Q3 25 | $215.0M | $135.0M | ||
| Q2 25 | $174.0M | — | ||
| Q1 25 | $154.0M | $142.0M | ||
| Q4 24 | $255.0M | $159.0M | ||
| Q3 24 | $181.0M | $161.0M | ||
| Q2 24 | $209.0M | $181.0M |
毛利率AFGGEN
| Q1 26 | — | 78.4% | ||
| Q4 25 | — | 78.2% | ||
| Q3 25 | — | 78.8% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 80.3% | ||
| Q4 24 | — | 80.4% | ||
| Q3 24 | — | 80.1% | ||
| Q2 24 | — | 80.3% |
营业利润率AFGGEN
| Q1 26 | — | 34.9% | ||
| Q4 25 | 18.4% | 35.9% | ||
| Q3 25 | 11.5% | 35.5% | ||
| Q2 25 | 11.9% | — | ||
| Q1 25 | 10.6% | 41.3% | ||
| Q4 24 | 14.9% | 37.9% | ||
| Q3 24 | 9.7% | 41.3% | ||
| Q2 24 | 14.3% | 43.2% |
净利率AFGGEN
| Q1 26 | — | 15.5% | ||
| Q4 25 | 14.5% | 11.0% | ||
| Q3 25 | 9.2% | 10.7% | ||
| Q2 25 | 9.0% | — | ||
| Q1 25 | 8.3% | 14.1% | ||
| Q4 24 | 11.9% | 16.1% | ||
| Q3 24 | 7.6% | 16.5% | ||
| Q2 24 | 11.0% | 18.8% |
每股收益（稀释后）AFGGEN
| Q1 26 | — | $0.31 | ||
| Q4 25 | $3.59 | $0.21 | ||
| Q3 25 | $2.58 | $0.22 | ||
| Q2 25 | $2.07 | — | ||
| Q1 25 | $1.84 | $0.22 | ||
| Q4 24 | $3.03 | $0.26 | ||
| Q3 24 | $2.16 | $0.26 | ||
| Q2 24 | $2.49 | $0.29 |
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 | $8.4B |
| 股东权益账面价值 | $4.8B | $2.3B |
| 总资产 | $32.6B | $15.8B |
| 负债/权益比越低杠杆越低 | 0.38× | 3.61× |
8季度趋势，按日历期对齐
现金及短期投资AFGGEN
| Q1 26 | — | — | ||
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.3B | $1.0B | ||
| Q4 24 | $1.4B | $883.0M | ||
| Q3 24 | $1.3B | $737.0M | ||
| Q2 24 | $1.1B | $644.0M |
总债务AFGGEN
| Q1 26 | — | $8.4B | ||
| Q4 25 | $1.8B | $8.7B | ||
| Q3 25 | $1.8B | $8.9B | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | $8.3B | ||
| Q4 24 | $1.5B | $8.5B | ||
| Q3 24 | $1.5B | $8.5B | ||
| Q2 24 | $1.5B | $8.5B |
股东权益AFGGEN
| Q1 26 | — | $2.3B | ||
| Q4 25 | $4.8B | $2.5B | ||
| Q3 25 | $4.7B | $2.4B | ||
| Q2 25 | $4.5B | — | ||
| Q1 25 | $4.4B | $2.3B | ||
| Q4 24 | $4.5B | $2.2B | ||
| Q3 24 | $4.7B | $2.1B | ||
| Q2 24 | $4.4B | $2.0B |
总资产AFGGEN
| Q1 26 | — | $15.8B | ||
| Q4 25 | $32.6B | $16.1B | ||
| Q3 25 | $33.8B | $16.4B | ||
| Q2 25 | $30.7B | — | ||
| Q1 25 | $30.3B | $15.5B | ||
| Q4 24 | $30.8B | $15.4B | ||
| Q3 24 | $32.6B | $15.5B | ||
| Q2 24 | $29.9B | $15.4B |
负债/权益比AFGGEN
| Q1 26 | — | 3.61× | ||
| Q4 25 | 0.38× | 3.54× | ||
| Q3 25 | 0.38× | 3.75× | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | 3.64× | ||
| Q4 24 | 0.33× | 3.94× | ||
| Q3 24 | 0.31× | 4.06× | ||
| Q2 24 | 0.34× | 4.33× |
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AFGGEN
| Q1 26 | — | — | ||
| Q4 25 | $784.0M | $541.0M | ||
| Q3 25 | $216.0M | $409.0M | ||
| Q2 25 | $191.0M | — | ||
| Q1 25 | $342.0M | $473.0M | ||
| Q4 24 | $674.0M | $326.0M | ||
| Q3 24 | $459.0M | $158.0M | ||
| Q2 24 | $-88.0M | $264.0M |
自由现金流AFGGEN
| Q1 26 | — | — | ||
| Q4 25 | — | $535.0M | ||
| Q3 25 | — | $405.0M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $470.0M | ||
| Q4 24 | — | $318.0M | ||
| Q3 24 | — | $156.0M | ||
| Q2 24 | — | $262.0M |
自由现金流率AFGGEN
| Q1 26 | — | — | ||
| Q4 25 | — | 43.9% | ||
| Q3 25 | — | 32.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 46.5% | ||
| Q4 24 | — | 32.3% | ||
| Q3 24 | — | 16.0% | ||
| Q2 24 | — | 27.2% |
资本支出强度AFGGEN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.8% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.2% |
现金转化率AFGGEN
| Q1 26 | — | — | ||
| Q4 25 | 2.62× | 4.04× | ||
| Q3 25 | 1.00× | 3.03× | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 2.22× | 3.33× | ||
| Q4 24 | 2.64× | 2.05× | ||
| Q3 24 | 2.54× | 0.98× | ||
| Q2 24 | -0.42× | 1.46× |
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% |
GEN
| Cyber Safety Platform | $819.0M | 66% |
| Trust Based Solutions | $421.0M | 34% |
| Net Interest Income On Notes Receivable | $4.0M | 0% |
