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西联汇款（AFG）与Alliant Energy（LNT）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Alliant Energy的1.9倍（$2.1B vs $1.1B），西联汇款净利率更高（14.5% vs 13.4%，领先1.1%），Alliant Energy同比增速更快（9.0% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs 1.5%）
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。
Alliant Energy是美国公用事业控股企业，主营受监管的电力与天然气服务，下设公用电力运营、公用燃气运营及其他公用事业三大业务板块。公司通过子公司Interstate Power and Light Company（IPL）为艾奥瓦州零售客户提供发电配电、天然气配送及运输服务，同时向明尼苏达州、伊利诺伊州等地的批发客户售电。
AFG vs LNT — 直观对比
营收规模更大
AFG
是对方的1.9倍
$1.1B
营收增速更快
LNT
高出13.0%
-4.0%
净利率更高
AFG
高出1.1%
13.4%
两年增速更快
AFG
近两年复合增速
1.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.1B |
| 净利润 | $299.0M | $142.0M |
| 毛利率 | — | 85.9% |
| 营业利润率 | 18.4% | 18.4% |
| 净利率 | 14.5% | 13.4% |
| 营收同比 | -4.0% | 9.0% |
| 净利润同比 | 17.3% | -5.3% |
| 每股收益（稀释后） | $3.59 | $0.54 |
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AFGLNT
| Q4 25 | $2.1B | $1.1B | ||
| Q3 25 | $2.3B | $1.2B | ||
| Q2 25 | $1.9B | $961.0M | ||
| Q1 25 | $1.9B | $1.1B | ||
| Q4 24 | $2.1B | $975.0M | ||
| Q3 24 | $2.4B | $1.1B | ||
| Q2 24 | $1.9B | $894.0M | ||
| Q1 24 | $1.9B | $1.0B |
净利润AFGLNT
| Q4 25 | $299.0M | $142.0M | ||
| Q3 25 | $215.0M | $281.0M | ||
| Q2 25 | $174.0M | $174.0M | ||
| Q1 25 | $154.0M | $213.0M | ||
| Q4 24 | $255.0M | $150.0M | ||
| Q3 24 | $181.0M | $295.0M | ||
| Q2 24 | $209.0M | $87.0M | ||
| Q1 24 | $242.0M | $158.0M |
毛利率AFGLNT
| Q4 25 | — | 85.9% | ||
| Q3 25 | — | 86.3% | ||
| Q2 25 | — | 84.3% | ||
| Q1 25 | — | 86.0% | ||
| Q4 24 | — | 84.7% | ||
| Q3 24 | — | 84.7% | ||
| Q2 24 | — | 83.6% | ||
| Q1 24 | — | 85.3% |
营业利润率AFGLNT
| Q4 25 | 18.4% | 18.4% | ||
| Q3 25 | 11.5% | 28.8% | ||
| Q2 25 | 11.9% | 23.2% | ||
| Q1 25 | 10.6% | 22.8% | ||
| Q4 24 | 14.9% | 22.7% | ||
| Q3 24 | 9.7% | 29.0% | ||
| Q2 24 | 14.3% | 14.5% | ||
| Q1 24 | 15.9% | 21.5% |
净利率AFGLNT
| Q4 25 | 14.5% | 13.4% | ||
| Q3 25 | 9.2% | 23.2% | ||
| Q2 25 | 9.0% | 18.1% | ||
| Q1 25 | 8.3% | 18.9% | ||
| Q4 24 | 11.9% | 15.4% | ||
| Q3 24 | 7.6% | 27.3% | ||
| Q2 24 | 11.0% | 9.7% | ||
| Q1 24 | 12.7% | 15.3% |
每股收益（稀释后）AFGLNT
| Q4 25 | $3.59 | $0.54 | ||
| Q3 25 | $2.58 | $1.09 | ||
| Q2 25 | $2.07 | $0.68 | ||
| Q1 25 | $1.84 | $0.83 | ||
| Q4 24 | $3.03 | $0.58 | ||
| Q3 24 | $2.16 | $1.15 | ||
| Q2 24 | $2.49 | $0.34 | ||
| Q1 24 | $2.89 | $0.62 |
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 | $556.0M |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $7.3B |
| 总资产 | $32.6B | $25.0B |
| 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AFGLNT
| Q4 25 | $1.7B | $556.0M | ||
| Q3 25 | $1.8B | $753.0M | ||
| Q2 25 | $1.3B | $329.0M | ||
| Q1 25 | $1.3B | $25.0M | ||
| Q4 24 | $1.4B | $81.0M | ||
| Q3 24 | $1.3B | $827.0M | ||
| Q2 24 | $1.1B | $92.0M | ||
| Q1 24 | $1.1B | $32.0M |
总债务AFGLNT
| 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AFGLNT
| Q4 25 | $4.8B | $7.3B | ||
| Q3 25 | $4.7B | $7.3B | ||
| Q2 25 | $4.5B | $7.1B | ||
| Q1 25 | $4.4B | $7.1B | ||
| Q4 24 | $4.5B | $7.0B | ||
| Q3 24 | $4.7B | $7.0B | ||
| Q2 24 | $4.4B | $6.8B | ||
| Q1 24 | $4.2B | $6.8B |
总资产AFGLNT
| Q4 25 | $32.6B | $25.0B | ||
| Q3 25 | $33.8B | $24.6B | ||
| Q2 25 | $30.7B | $23.8B | ||
| Q1 25 | $30.3B | $22.9B | ||
| Q4 24 | $30.8B | $22.7B | ||
| Q3 24 | $32.6B | $22.8B | ||
| Q2 24 | $29.9B | $21.8B | ||
| Q1 24 | $30.0B | $21.2B |
负债/权益比AFGLNT
| 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 | $269.0M |
| 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× | 1.89× |
| 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AFGLNT
| Q4 25 | $784.0M | $269.0M | ||
| Q3 25 | $216.0M | $408.0M | ||
| Q2 25 | $191.0M | $243.0M | ||
| Q1 25 | $342.0M | $249.0M | ||
| Q4 24 | $674.0M | $254.0M | ||
| Q3 24 | $459.0M | $351.0M | ||
| Q2 24 | $-88.0M | $255.0M | ||
| Q1 24 | $107.0M | $307.0M |
自由现金流AFGLNT
| Q4 25 | — | — | ||
| Q3 25 | — | $-103.0M | ||
| Q2 25 | — | $-179.0M | ||
| Q1 25 | — | $-305.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $-59.0M | ||
| Q2 24 | — | $-137.0M | ||
| Q1 24 | — | $-171.0M |
自由现金流率AFGLNT
| Q4 25 | — | — | ||
| Q3 25 | — | -8.5% | ||
| Q2 25 | — | -18.6% | ||
| Q1 25 | — | -27.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -5.5% | ||
| Q2 24 | — | -15.3% | ||
| Q1 24 | — | -16.6% |
资本支出强度AFGLNT
| Q4 25 | — | — | ||
| Q3 25 | — | 42.2% | ||
| Q2 25 | — | 43.9% | ||
| Q1 25 | — | 49.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 37.9% | ||
| Q2 24 | — | 43.8% | ||
| Q1 24 | — | 46.4% |
现金转化率AFGLNT
| Q4 25 | 2.62× | 1.89× | ||
| Q3 25 | 1.00× | 1.45× | ||
| Q2 25 | 1.10× | 1.40× | ||
| Q1 25 | 2.22× | 1.17× | ||
| Q4 24 | 2.64× | 1.69× | ||
| Q3 24 | 2.54× | 1.19× | ||
| Q2 24 | -0.42× | 2.93× | ||
| Q1 24 | 0.44× | 1.94× |
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% |
LNT
| Retail Residential | $313.0M | 29% |
| Retail Industrial | $251.0M | 24% |
| Retail Commercial | $226.0M | 21% |
| Gas | $158.0M | 15% |
| Other Customer | $43.0M | 4% |
| Wholesale | $36.0M | 3% |
| Other Utility | $15.0M | 1% |
| Steam | $9.0M | 1% |
