vs
西联汇款（AFG）与赫兹（HTZ）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赫兹的1.0倍（$2.1B vs $2.0B），西联汇款净利率更高（14.5% vs -9.6%，领先24.1%），赫兹同比增速更快（-0.6% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs -1.3%）
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。
赫兹全球控股是美国知名汽车租赁企业，总部位于佛罗里达州埃斯特罗。公司运营赫兹同名核心品牌，同时拥有Dollar、Firefly、Thrifty等多个汽车租赁子品牌，业务覆盖全球广泛市场，为客户提供多元出行租赁解决方案。
AFG vs HTZ — 直观对比
营收规模更大
AFG
是对方的1.0倍
$2.0B
营收增速更快
HTZ
高出3.4%
-4.0%
净利率更高
AFG
高出24.1%
-9.6%
两年增速更快
AFG
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $2.0B |
| 净利润 | $299.0M | $-194.0M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | -11.0% |
| 净利率 | 14.5% | -9.6% |
| 营收同比 | -4.0% | -0.6% |
| 净利润同比 | 17.3% | 59.5% |
| 每股收益（稀释后） | $3.59 | $-0.46 |
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AFGHTZ
| Q4 25 | $2.1B | $2.0B | ||
| Q3 25 | $2.3B | $2.5B | ||
| Q2 25 | $1.9B | $2.2B | ||
| Q1 25 | $1.9B | $1.8B | ||
| Q4 24 | $2.1B | $2.0B | ||
| Q3 24 | $2.4B | $2.6B | ||
| Q2 24 | $1.9B | $2.4B | ||
| Q1 24 | $1.9B | $2.1B |
净利润AFGHTZ
| Q4 25 | $299.0M | $-194.0M | ||
| Q3 25 | $215.0M | $184.0M | ||
| Q2 25 | $174.0M | $-294.0M | ||
| Q1 25 | $154.0M | $-443.0M | ||
| Q4 24 | $255.0M | $-479.0M | ||
| Q3 24 | $181.0M | $-1.3B | ||
| Q2 24 | $209.0M | $-865.0M | ||
| Q1 24 | $242.0M | $-186.0M |
营业利润率AFGHTZ
| Q4 25 | 18.4% | -11.0% | ||
| Q3 25 | 11.5% | 9.4% | ||
| Q2 25 | 11.9% | -14.5% | ||
| Q1 25 | 10.6% | -29.0% | ||
| Q4 24 | 14.9% | -27.6% | ||
| Q3 24 | 9.7% | -62.9% | ||
| Q2 24 | 14.3% | -20.1% | ||
| Q1 24 | 15.9% | -27.9% |
净利率AFGHTZ
| Q4 25 | 14.5% | -9.6% | ||
| Q3 25 | 9.2% | 7.4% | ||
| Q2 25 | 9.0% | -13.5% | ||
| Q1 25 | 8.3% | -24.4% | ||
| Q4 24 | 11.9% | -23.5% | ||
| Q3 24 | 7.6% | -51.7% | ||
| Q2 24 | 11.0% | -36.8% | ||
| Q1 24 | 12.7% | -8.9% |
每股收益（稀释后）AFGHTZ
| Q4 25 | $3.59 | $-0.46 | ||
| Q3 25 | $2.58 | $0.42 | ||
| Q2 25 | $2.07 | $-0.95 | ||
| Q1 25 | $1.84 | $-1.44 | ||
| Q4 24 | $3.03 | $-1.57 | ||
| Q3 24 | $2.16 | $-4.34 | ||
| Q2 24 | $2.49 | $-2.82 | ||
| Q1 24 | $2.89 | $-0.61 |
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 | $565.0M |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $-459.0M |
| 总资产 | $32.6B | $22.3B |
| 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AFGHTZ
| Q4 25 | $1.7B | $565.0M | ||
| Q3 25 | $1.8B | $1.1B | ||
| Q2 25 | $1.3B | $503.0M | ||
| Q1 25 | $1.3B | $626.0M | ||
| Q4 24 | $1.4B | $592.0M | ||
| Q3 24 | $1.3B | $501.0M | ||
| Q2 24 | $1.1B | $568.0M | ||
| Q1 24 | $1.1B | $465.0M |
总债务AFGHTZ
| 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AFGHTZ
| Q4 25 | $4.8B | $-459.0M | ||
| Q3 25 | $4.7B | $-317.0M | ||
| Q2 25 | $4.5B | $-504.0M | ||
| Q1 25 | $4.4B | $-262.0M | ||
| Q4 24 | $4.5B | $153.0M | ||
| Q3 24 | $4.7B | $681.0M | ||
| Q2 24 | $4.4B | $2.0B | ||
| Q1 24 | $4.2B | $2.8B |
总资产AFGHTZ
| Q4 25 | $32.6B | $22.3B | ||
| Q3 25 | $33.8B | $23.0B | ||
| Q2 25 | $30.7B | $23.1B | ||
| Q1 25 | $30.3B | $22.0B | ||
| Q4 24 | $30.8B | $21.8B | ||
| Q3 24 | $32.6B | $23.0B | ||
| Q2 24 | $29.9B | $25.2B | ||
| Q1 24 | $30.0B | $24.3B |
负债/权益比AFGHTZ
| 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 | $193.0M |
| 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AFGHTZ
| Q4 25 | $784.0M | $193.0M | ||
| Q3 25 | $216.0M | $835.0M | ||
| Q2 25 | $191.0M | $346.0M | ||
| Q1 25 | $342.0M | $251.0M | ||
| Q4 24 | $674.0M | $414.0M | ||
| Q3 24 | $459.0M | $894.0M | ||
| Q2 24 | $-88.0M | $546.0M | ||
| Q1 24 | $107.0M | $370.0M |
现金转化率AFGHTZ
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | 4.54× | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 2.22× | — | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | — | ||
| Q2 24 | -0.42× | — | ||
| 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% |
HTZ
暂无分部数据
