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西联汇款（AFG）与KOHLS Corp（KSS）财务数据对比。点击上方公司名可切换其他公司
KOHLS Corp的季度营收约是西联汇款的1.7倍（$3.6B vs $2.1B），西联汇款净利率更高（14.5% vs 0.2%，领先14.3%），KOHLS Corp同比增速更快（-3.6% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs -22.5%）
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。
科尔士（Kohl's）是美国知名连锁百货零售商，目前在全美除夏威夷外的各州共开设1174家门店。品牌由波兰移民麦克斯韦·科尔创立，1927年他在威斯康星州密尔沃基开设了一家街角杂货店，在当地发展为成功的连锁品牌后，1962年公司开设首家百货门店，正式进军百货零售领域。
AFG vs KSS — 直观对比
营收规模更大
KSS
是对方的1.7倍
$2.1B
营收增速更快
KSS
高出0.4%
-4.0%
净利率更高
AFG
高出14.3%
0.2%
两年增速更快
AFG
近两年复合增速
-22.5%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $3.6B |
| 净利润 | $299.0M | $8.0M |
| 毛利率 | — | 42.4% |
| 营业利润率 | 18.4% | 2.0% |
| 净利率 | 14.5% | 0.2% |
| 营收同比 | -4.0% | -3.6% |
| 净利润同比 | 17.3% | -63.6% |
| 每股收益（稀释后） | $3.59 | $0.07 |
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AFGKSS
| Q4 25 | $2.1B | $3.6B | ||
| Q3 25 | $2.3B | $3.5B | ||
| Q2 25 | $1.9B | $3.2B | ||
| Q1 25 | $1.9B | $5.4B | ||
| Q4 24 | $2.1B | $3.7B | ||
| Q3 24 | $2.4B | $3.7B | ||
| Q2 24 | $1.9B | $3.4B | ||
| Q1 24 | $1.9B | $6.0B |
净利润AFGKSS
| Q4 25 | $299.0M | $8.0M | ||
| Q3 25 | $215.0M | $153.0M | ||
| Q2 25 | $174.0M | $-15.0M | ||
| Q1 25 | $154.0M | $48.0M | ||
| Q4 24 | $255.0M | $22.0M | ||
| Q3 24 | $181.0M | $66.0M | ||
| Q2 24 | $209.0M | $-27.0M | ||
| Q1 24 | $242.0M | $186.0M |
毛利率AFGKSS
| Q4 25 | — | 42.4% | ||
| Q3 25 | — | 43.3% | ||
| Q2 25 | — | 43.3% | ||
| Q1 25 | — | 35.6% | ||
| Q4 24 | — | 42.4% | ||
| Q3 24 | — | 43.0% | ||
| Q2 24 | — | 43.1% | ||
| Q1 24 | — | 35.2% |
营业利润率AFGKSS
| Q4 25 | 18.4% | 2.0% | ||
| Q3 25 | 11.5% | 7.9% | ||
| Q2 25 | 11.9% | 1.9% | ||
| Q1 25 | 10.6% | 2.3% | ||
| Q4 24 | 14.9% | 2.6% | ||
| Q3 24 | 9.7% | 4.4% | ||
| Q2 24 | 14.3% | 1.3% | ||
| Q1 24 | 15.9% | 5.0% |
净利率AFGKSS
| Q4 25 | 14.5% | 0.2% | ||
| Q3 25 | 9.2% | 4.3% | ||
| Q2 25 | 9.0% | -0.5% | ||
| Q1 25 | 8.3% | 0.9% | ||
| Q4 24 | 11.9% | 0.6% | ||
| Q3 24 | 7.6% | 1.8% | ||
| Q2 24 | 11.0% | -0.8% | ||
| Q1 24 | 12.7% | 3.1% |
每股收益（稀释后）AFGKSS
| Q4 25 | $3.59 | $0.07 | ||
| Q3 25 | $2.58 | $1.35 | ||
| Q2 25 | $2.07 | $-0.13 | ||
| Q1 25 | $1.84 | $0.43 | ||
| Q4 24 | $3.03 | $0.20 | ||
| Q3 24 | $2.16 | $0.59 | ||
| Q2 24 | $2.49 | $-0.24 | ||
| Q1 24 | $2.89 | $1.67 |
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 | $144.0M |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $3.9B |
| 总资产 | $32.6B | $14.1B |
| 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AFGKSS
| Q4 25 | $1.7B | $144.0M | ||
| Q3 25 | $1.8B | $174.0M | ||
| Q2 25 | $1.3B | $153.0M | ||
| Q1 25 | $1.3B | $134.0M | ||
| Q4 24 | $1.4B | $174.0M | ||
| Q3 24 | $1.3B | $231.0M | ||
| Q2 24 | $1.1B | $228.0M | ||
| Q1 24 | $1.1B | $183.0M |
总债务AFGKSS
| 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AFGKSS
| Q4 25 | $4.8B | $3.9B | ||
| Q3 25 | $4.7B | $3.9B | ||
| Q2 25 | $4.5B | $3.8B | ||
| Q1 25 | $4.4B | $3.8B | ||
| Q4 24 | $4.5B | $3.8B | ||
| Q3 24 | $4.7B | $3.8B | ||
| Q2 24 | $4.4B | $3.8B | ||
| Q1 24 | $4.2B | $3.9B |
总资产AFGKSS
| Q4 25 | $32.6B | $14.1B | ||
| Q3 25 | $33.8B | $13.4B | ||
| Q2 25 | $30.7B | $13.6B | ||
| Q1 25 | $30.3B | $13.6B | ||
| Q4 24 | $30.8B | $15.1B | ||
| Q3 24 | $32.6B | $14.2B | ||
| Q2 24 | $29.9B | $14.3B | ||
| Q1 24 | $30.0B | $14.0B |
负债/权益比AFGKSS
| 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 | $124.0M |
| 自由现金流经营现金流 - 资本支出 | — | $16.0M |
| 自由现金流率自由现金流/营收 | — | 0.4% |
| 资本支出强度资本支出/营收 | — | 3.0% |
| 现金转化率经营现金流/净利润 | 2.62× | 15.50× |
| 过去12个月自由现金流最近4个季度 | — | $819.0M |
8季度趋势，按日历期对齐
经营现金流AFGKSS
| Q4 25 | $784.0M | $124.0M | ||
| Q3 25 | $216.0M | $598.0M | ||
| Q2 25 | $191.0M | $-92.0M | ||
| Q1 25 | $342.0M | $596.0M | ||
| Q4 24 | $674.0M | $-195.0M | ||
| Q3 24 | $459.0M | $254.0M | ||
| Q2 24 | $-88.0M | $-7.0M | ||
| Q1 24 | $107.0M | $789.0M |
自由现金流AFGKSS
| Q4 25 | — | $16.0M | ||
| Q3 25 | — | $508.0M | ||
| Q2 25 | — | $-202.0M | ||
| Q1 25 | — | $497.0M | ||
| Q4 24 | — | $-323.0M | ||
| Q3 24 | — | $141.0M | ||
| Q2 24 | — | $-133.0M | ||
| Q1 24 | — | $707.0M |
自由现金流率AFGKSS
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 14.3% | ||
| Q2 25 | — | -6.2% | ||
| Q1 25 | — | 9.2% | ||
| Q4 24 | — | -8.7% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | -3.9% | ||
| Q1 24 | — | 11.9% |
资本支出强度AFGKSS
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 3.0% | ||
| Q2 24 | — | 3.7% | ||
| Q1 24 | — | 1.4% |
现金转化率AFGKSS
| Q4 25 | 2.62× | 15.50× | ||
| Q3 25 | 1.00× | 3.91× | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 2.22× | 12.42× | ||
| Q4 24 | 2.64× | -8.86× | ||
| Q3 24 | 2.54× | 3.85× | ||
| Q2 24 | -0.42× | — | ||
| Q1 24 | 0.44× | 4.24× |
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% |
KSS
| Products | $3.4B | 95% |
| Other | $168.0M | 5% |
| Gift Card | $17.0M | 0% |
