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西联汇款（AFG）与Masco（MAS）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Masco的1.1倍（$2.1B vs $1.9B），西联汇款净利率更高（14.5% vs 11.9%，领先2.6%），Masco同比增速更快（6.5% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs -4.2%）
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。
美国家居建材企业Masco主营家装及新建住宅市场相关产品，旗下拥有20余家子公司，在全球运营近80座生产工厂，其中美国本土近60座，海外地区超20座。公司1969年于纽交所挂牌上市，后实现快速增长，成功跻身美国财富500强榜单。
AFG vs MAS — 直观对比
营收规模更大
AFG
是对方的1.1倍
$1.9B
营收增速更快
MAS
高出10.5%
-4.0%
净利率更高
AFG
高出2.6%
11.9%
两年增速更快
AFG
近两年复合增速
-4.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.9B |
| 净利润 | $299.0M | $228.0M |
| 毛利率 | — | 35.8% |
| 营业利润率 | 18.4% | 16.5% |
| 净利率 | 14.5% | 11.9% |
| 营收同比 | -4.0% | 6.5% |
| 净利润同比 | 17.3% | 14.5% |
| 每股收益（稀释后） | $3.59 | — |
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AFGMAS
| Q1 26 | — | $1.9B | ||
| Q4 25 | $2.1B | $1.8B | ||
| Q3 25 | $2.3B | $1.9B | ||
| Q2 25 | $1.9B | $2.1B | ||
| Q1 25 | $1.9B | $1.8B | ||
| Q4 24 | $2.1B | $1.8B | ||
| Q3 24 | $2.4B | $2.0B | ||
| Q2 24 | $1.9B | $2.1B |
净利润AFGMAS
| Q1 26 | — | $228.0M | ||
| Q4 25 | $299.0M | $165.0M | ||
| Q3 25 | $215.0M | $189.0M | ||
| Q2 25 | $174.0M | $270.0M | ||
| Q1 25 | $154.0M | $186.0M | ||
| Q4 24 | $255.0M | $182.0M | ||
| Q3 24 | $181.0M | $167.0M | ||
| Q2 24 | $209.0M | $258.0M |
毛利率AFGMAS
| Q1 26 | — | 35.8% | ||
| Q4 25 | — | 33.9% | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | 37.6% | ||
| Q1 25 | — | 35.8% | ||
| Q4 24 | — | 34.8% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 37.5% |
营业利润率AFGMAS
| Q1 26 | — | 16.5% | ||
| Q4 25 | 18.4% | 13.8% | ||
| Q3 25 | 11.5% | 15.8% | ||
| Q2 25 | 11.9% | 20.1% | ||
| Q1 25 | 10.6% | 15.9% | ||
| Q4 24 | 14.9% | 15.9% | ||
| Q3 24 | 9.7% | 18.0% | ||
| Q2 24 | 14.3% | 19.0% |
净利率AFGMAS
| Q1 26 | — | 11.9% | ||
| Q4 25 | 14.5% | 9.2% | ||
| Q3 25 | 9.2% | 9.9% | ||
| Q2 25 | 9.0% | 13.2% | ||
| Q1 25 | 8.3% | 10.3% | ||
| Q4 24 | 11.9% | 10.0% | ||
| Q3 24 | 7.6% | 8.4% | ||
| Q2 24 | 11.0% | 12.3% |
每股收益（稀释后）AFGMAS
| Q1 26 | — | — | ||
| Q4 25 | $3.59 | $0.81 | ||
| Q3 25 | $2.58 | $0.90 | ||
| Q2 25 | $2.07 | $1.28 | ||
| Q1 25 | $1.84 | $0.87 | ||
| Q4 24 | $3.03 | $0.85 | ||
| Q3 24 | $2.16 | $0.77 | ||
| Q2 24 | $2.49 | $1.17 |
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 | $2.9B |
| 股东权益账面价值 | $4.8B | $27.0M |
| 总资产 | $32.6B | $5.2B |
| 负债/权益比越低杠杆越低 | 0.38× | 109.07× |
8季度趋势，按日历期对齐
现金及短期投资AFGMAS
| Q1 26 | — | — | ||
| Q4 25 | $1.7B | $647.0M | ||
| Q3 25 | $1.8B | $559.0M | ||
| Q2 25 | $1.3B | $390.0M | ||
| Q1 25 | $1.3B | $377.0M | ||
| Q4 24 | $1.4B | $634.0M | ||
| Q3 24 | $1.3B | $646.0M | ||
| Q2 24 | $1.1B | $398.0M |
总债务AFGMAS
| Q1 26 | — | $2.9B | ||
| Q4 25 | $1.8B | $2.9B | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | $2.9B | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — |
股东权益AFGMAS
| Q1 26 | — | $27.0M | ||
| Q4 25 | $4.8B | $-185.0M | ||
| Q3 25 | $4.7B | $-78.0M | ||
| Q2 25 | $4.5B | $-84.0M | ||
| Q1 25 | $4.4B | $-254.0M | ||
| Q4 24 | $4.5B | $-279.0M | ||
| Q3 24 | $4.7B | $-88.0M | ||
| Q2 24 | $4.4B | $-26.0M |
总资产AFGMAS
| Q1 26 | — | $5.2B | ||
| Q4 25 | $32.6B | $5.2B | ||
| Q3 25 | $33.8B | $5.3B | ||
| Q2 25 | $30.7B | $5.3B | ||
| Q1 25 | $30.3B | $5.1B | ||
| Q4 24 | $30.8B | $5.0B | ||
| Q3 24 | $32.6B | $5.3B | ||
| Q2 24 | $29.9B | $5.4B |
负债/权益比AFGMAS
| Q1 26 | — | 109.07× | ||
| 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× | — |
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 | — | 1.8% |
| 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AFGMAS
| Q1 26 | — | — | ||
| Q4 25 | $784.0M | $418.0M | ||
| Q3 25 | $216.0M | $456.0M | ||
| Q2 25 | $191.0M | $306.0M | ||
| Q1 25 | $342.0M | $-158.0M | ||
| Q4 24 | $674.0M | $407.0M | ||
| Q3 24 | $459.0M | $416.0M | ||
| Q2 24 | $-88.0M | $346.0M |
自由现金流AFGMAS
| Q1 26 | — | — | ||
| Q4 25 | — | $371.0M | ||
| Q3 25 | — | $415.0M | ||
| Q2 25 | — | $270.0M | ||
| Q1 25 | — | $-190.0M | ||
| Q4 24 | — | $351.0M | ||
| Q3 24 | — | $378.0M | ||
| Q2 24 | — | $303.0M |
自由现金流率AFGMAS
| Q1 26 | — | — | ||
| Q4 25 | — | 20.7% | ||
| Q3 25 | — | 21.6% | ||
| Q2 25 | — | 13.2% | ||
| Q1 25 | — | -10.5% | ||
| Q4 24 | — | 19.2% | ||
| Q3 24 | — | 19.1% | ||
| Q2 24 | — | 14.5% |
资本支出强度AFGMAS
| Q1 26 | — | 1.8% | ||
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 2.1% |
现金转化率AFGMAS
| Q1 26 | — | — | ||
| Q4 25 | 2.62× | 2.53× | ||
| Q3 25 | 1.00× | 2.41× | ||
| Q2 25 | 1.10× | 1.13× | ||
| Q1 25 | 2.22× | -0.85× | ||
| Q4 24 | 2.64× | 2.24× | ||
| Q3 24 | 2.54× | 2.49× | ||
| Q2 24 | -0.42× | 1.34× |
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% |
MAS
暂无分部数据
