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西联汇款（AFG）与哈贝尔（HUBB）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哈贝尔的1.4倍（$2.1B vs $1.5B），哈贝尔净利率更高（14.6% vs 14.5%，领先0.1%），哈贝尔同比增速更快（11.9% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs 3.3%）
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。
哈贝尔（Hubbell Incorporated）是总部位于美国康涅狄格州谢尔顿的企业，由哈维·哈贝尔于1888年创立，1905年在康涅狄格州正式注册。公司主营电气及电子产品的设计、生产与销售，产品广泛应用于住宅、非住宅建筑、工业及公用事业等多个领域。
AFG vs HUBB — 直观对比
营收规模更大
AFG
是对方的1.4倍
$1.5B
营收增速更快
HUBB
高出15.9%
-4.0%
净利率更高
HUBB
高出0.1%
14.5%
两年增速更快
AFG
近两年复合增速
3.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.5B |
| 净利润 | $299.0M | $217.7M |
| 毛利率 | — | 34.6% |
| 营业利润率 | 18.4% | 20.3% |
| 净利率 | 14.5% | 14.6% |
| 营收同比 | -4.0% | 11.9% |
| 净利润同比 | 17.3% | 10.5% |
| 每股收益（稀释后） | $3.59 | $4.06 |
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AFGHUBB
| Q4 25 | $2.1B | $1.5B | ||
| Q3 25 | $2.3B | $1.5B | ||
| Q2 25 | $1.9B | $1.5B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $2.1B | $1.3B | ||
| Q3 24 | $2.4B | $1.4B | ||
| Q2 24 | $1.9B | $1.5B | ||
| Q1 24 | $1.9B | $1.4B |
净利润AFGHUBB
| Q4 25 | $299.0M | $217.7M | ||
| Q3 25 | $215.0M | $255.5M | ||
| Q2 25 | $174.0M | $244.2M | ||
| Q1 25 | $154.0M | $169.7M | ||
| Q4 24 | $255.0M | $197.0M | ||
| Q3 24 | $181.0M | $219.4M | ||
| Q2 24 | $209.0M | $213.6M | ||
| Q1 24 | $242.0M | $147.8M |
毛利率AFGHUBB
| Q4 25 | — | 34.6% | ||
| Q3 25 | — | 36.2% | ||
| Q2 25 | — | 37.2% | ||
| Q1 25 | — | 33.1% | ||
| Q4 24 | — | 33.8% | ||
| Q3 24 | — | 34.5% | ||
| Q2 24 | — | 35.0% | ||
| Q1 24 | — | 32.0% |
营业利润率AFGHUBB
| Q4 25 | 18.4% | 20.3% | ||
| Q3 25 | 11.5% | 22.0% | ||
| Q2 25 | 11.9% | 22.7% | ||
| Q1 25 | 10.6% | 17.5% | ||
| Q4 24 | 14.9% | 19.3% | ||
| Q3 24 | 9.7% | 21.1% | ||
| Q2 24 | 14.3% | 20.7% | ||
| Q1 24 | 15.9% | 16.3% |
净利率AFGHUBB
| Q4 25 | 14.5% | 14.6% | ||
| Q3 25 | 9.2% | 17.0% | ||
| Q2 25 | 9.0% | 16.5% | ||
| Q1 25 | 8.3% | 12.4% | ||
| Q4 24 | 11.9% | 14.8% | ||
| Q3 24 | 7.6% | 15.2% | ||
| Q2 24 | 11.0% | 14.7% | ||
| Q1 24 | 12.7% | 10.6% |
每股收益（稀释后）AFGHUBB
| Q4 25 | $3.59 | $4.06 | ||
| Q3 25 | $2.58 | $4.77 | ||
| Q2 25 | $2.07 | $4.56 | ||
| Q1 25 | $1.84 | $3.15 | ||
| Q4 24 | $3.03 | $3.65 | ||
| Q3 24 | $2.16 | $4.05 | ||
| Q2 24 | $2.49 | $3.94 | ||
| Q1 24 | $2.89 | $2.73 |
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 | $497.9M |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $3.8B |
| 总资产 | $32.6B | $8.2B |
| 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AFGHUBB
| Q4 25 | $1.7B | $497.9M | ||
| Q3 25 | $1.8B | $680.9M | ||
| Q2 25 | $1.3B | $399.6M | ||
| Q1 25 | $1.3B | $360.3M | ||
| Q4 24 | $1.4B | $345.0M | ||
| Q3 24 | $1.3B | $445.6M | ||
| Q2 24 | $1.1B | $406.5M | ||
| Q1 24 | $1.1B | $400.3M |
总债务AFGHUBB
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.8B | $1.4B | ||
| Q2 25 | $1.5B | $1.4B | ||
| Q1 25 | $1.5B | $1.4B | ||
| Q4 24 | $1.5B | $1.4B | ||
| Q3 24 | $1.5B | $1.7B | ||
| Q2 24 | $1.5B | $1.9B | ||
| Q1 24 | $1.5B | $1.9B |
股东权益AFGHUBB
| Q4 25 | $4.8B | $3.8B | ||
| Q3 25 | $4.7B | $3.7B | ||
| Q2 25 | $4.5B | $3.5B | ||
| Q1 25 | $4.4B | $3.3B | ||
| Q4 24 | $4.5B | $3.3B | ||
| Q3 24 | $4.7B | $3.2B | ||
| Q2 24 | $4.4B | $3.1B | ||
| Q1 24 | $4.2B | $2.9B |
总资产AFGHUBB
| Q4 25 | $32.6B | $8.2B | ||
| Q3 25 | $33.8B | $7.5B | ||
| Q2 25 | $30.7B | $7.1B | ||
| Q1 25 | $30.3B | $6.9B | ||
| Q4 24 | $30.8B | $6.7B | ||
| Q3 24 | $32.6B | $6.9B | ||
| Q2 24 | $29.9B | $6.9B | ||
| Q1 24 | $30.0B | $6.9B |
负债/权益比AFGHUBB
| Q4 25 | 0.38× | — | ||
| Q3 25 | 0.38× | 0.39× | ||
| Q2 25 | 0.33× | 0.41× | ||
| Q1 25 | 0.34× | 0.44× | ||
| Q4 24 | 0.33× | 0.44× | ||
| Q3 24 | 0.31× | 0.51× | ||
| Q2 24 | 0.34× | 0.63× | ||
| Q1 24 | 0.35× | 0.65× |
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 | $447.5M |
| 自由现金流经营现金流 - 资本支出 | — | $388.8M |
| 自由现金流率自由现金流/营收 | — | 26.0% |
| 资本支出强度资本支出/营收 | — | 3.9% |
| 现金转化率经营现金流/净利润 | 2.62× | 2.06× |
| 过去12个月自由现金流最近4个季度 | — | $874.7M |
8季度趋势，按日历期对齐
经营现金流AFGHUBB
| Q4 25 | $784.0M | $447.5M | ||
| Q3 25 | $216.0M | $284.3M | ||
| Q2 25 | $191.0M | $260.6M | ||
| Q1 25 | $342.0M | $37.4M | ||
| Q4 24 | $674.0M | $432.4M | ||
| Q3 24 | $459.0M | $227.0M | ||
| Q2 24 | $-88.0M | $239.6M | ||
| Q1 24 | $107.0M | $92.2M |
自由现金流AFGHUBB
| Q4 25 | — | $388.8M | ||
| Q3 25 | — | $253.8M | ||
| Q2 25 | — | $220.7M | ||
| Q1 25 | — | $11.4M | ||
| Q4 24 | — | $364.4M | ||
| Q3 24 | — | $188.8M | ||
| Q2 24 | — | $205.7M | ||
| Q1 24 | — | $51.9M |
自由现金流率AFGHUBB
| Q4 25 | — | 26.0% | ||
| Q3 25 | — | 16.9% | ||
| Q2 25 | — | 14.9% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 27.3% | ||
| Q3 24 | — | 13.1% | ||
| Q2 24 | — | 14.2% | ||
| Q1 24 | — | 3.7% |
资本支出强度AFGHUBB
| Q4 25 | — | 3.9% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 2.7% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | 5.1% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | 2.9% |
现金转化率AFGHUBB
| Q4 25 | 2.62× | 2.06× | ||
| Q3 25 | 1.00× | 1.11× | ||
| Q2 25 | 1.10× | 1.07× | ||
| Q1 25 | 2.22× | 0.22× | ||
| Q4 24 | 2.64× | 2.19× | ||
| Q3 24 | 2.54× | 1.03× | ||
| Q2 24 | -0.42× | 1.12× | ||
| Q1 24 | 0.44× | 0.62× |
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% |
HUBB
| Grid Infrastructure | $717.0M | 48% |
| Industrial | $393.7M | 26% |
| Grid Automation | $218.9M | 15% |
| Electrical Products | $163.1M | 11% |
