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西联汇款（AFG）与豪士科（OSK）财务数据对比。点击上方公司名可切换其他公司
豪士科的季度营收约是西联汇款的1.1倍（$2.3B vs $2.1B），西联汇款净利率更高（14.5% vs 1.9%，领先12.6%），豪士科同比增速更快（0.2% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs -9.8%）
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。
豪士科（原称豪士科卡车）是美国知名工业企业，主营特种卡车、军用车辆、机场消防设备、高空作业设备等产品的设计与制造。旗下拥有威斯康星州的消防车制造商Pierce Manufacturing，以及生产各类升降作业设备的JLG工业公司。
AFG vs OSK — 直观对比
营收规模更大
OSK
是对方的1.1倍
$2.1B
营收增速更快
OSK
高出4.2%
-4.0%
净利率更高
AFG
高出12.6%
1.9%
两年增速更快
AFG
近两年复合增速
-9.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $2.3B |
| 净利润 | $299.0M | $43.1M |
| 毛利率 | — | 13.5% |
| 营业利润率 | 18.4% | 3.5% |
| 净利率 | 14.5% | 1.9% |
| 营收同比 | -4.0% | 0.2% |
| 净利润同比 | 17.3% | -61.6% |
| 每股收益（稀释后） | $3.59 | $0.68 |
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AFGOSK
| Q1 26 | — | $2.3B | ||
| Q4 25 | $2.1B | $2.7B | ||
| Q3 25 | $2.3B | $2.7B | ||
| Q2 25 | $1.9B | $2.7B | ||
| Q1 25 | $1.9B | $2.3B | ||
| Q4 24 | $2.1B | $2.6B | ||
| Q3 24 | $2.4B | $2.7B | ||
| Q2 24 | $1.9B | $2.8B |
净利润AFGOSK
| Q1 26 | — | $43.1M | ||
| Q4 25 | $299.0M | $133.8M | ||
| Q3 25 | $215.0M | $196.2M | ||
| Q2 25 | $174.0M | $204.8M | ||
| Q1 25 | $154.0M | $112.2M | ||
| Q4 24 | $255.0M | $153.1M | ||
| Q3 24 | $181.0M | $180.3M | ||
| Q2 24 | $209.0M | $168.6M |
毛利率AFGOSK
| Q1 26 | — | 13.5% | ||
| Q4 25 | — | 15.8% | ||
| Q3 25 | — | 17.5% | ||
| Q2 25 | — | 19.2% | ||
| Q1 25 | — | 17.3% | ||
| Q4 24 | — | 17.2% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 19.2% |
营业利润率AFGOSK
| Q1 26 | — | 3.5% | ||
| Q4 25 | 18.4% | 7.9% | ||
| Q3 25 | 11.5% | 9.7% | ||
| Q2 25 | 11.9% | 10.7% | ||
| Q1 25 | 10.6% | 7.6% | ||
| Q4 24 | 14.9% | 8.6% | ||
| Q3 24 | 9.7% | 9.7% | ||
| Q2 24 | 14.3% | 9.2% |
净利率AFGOSK
| Q1 26 | — | 1.9% | ||
| Q4 25 | 14.5% | 5.0% | ||
| Q3 25 | 9.2% | 7.3% | ||
| Q2 25 | 9.0% | 7.5% | ||
| Q1 25 | 8.3% | 4.9% | ||
| Q4 24 | 11.9% | 5.9% | ||
| Q3 24 | 7.6% | 6.6% | ||
| Q2 24 | 11.0% | 5.9% |
每股收益（稀释后）AFGOSK
| Q1 26 | — | $0.68 | ||
| Q4 25 | $3.59 | — | ||
| Q3 25 | $2.58 | — | ||
| Q2 25 | $2.07 | — | ||
| Q1 25 | $1.84 | — | ||
| Q4 24 | $3.03 | — | ||
| Q3 24 | $2.16 | — | ||
| Q2 24 | $2.49 | — |
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 | $250.3M |
| 总债务越低越好 | $1.8B | $600.6M |
| 股东权益账面价值 | $4.8B | — |
| 总资产 | $32.6B | $10.0B |
| 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AFGOSK
| Q1 26 | — | $250.3M | ||
| Q4 25 | $1.7B | $479.8M | ||
| Q3 25 | $1.8B | $211.8M | ||
| Q2 25 | $1.3B | $191.7M | ||
| Q1 25 | $1.3B | $210.3M | ||
| Q4 24 | $1.4B | $204.9M | ||
| Q3 24 | $1.3B | $160.9M | ||
| Q2 24 | $1.1B | $141.4M |
总债务AFGOSK
| Q1 26 | — | $600.6M | ||
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $1.5B | $602.3M | ||
| Q2 24 | $1.5B | $599.1M |
股东权益AFGOSK
| Q1 26 | — | — | ||
| Q4 25 | $4.8B | $4.5B | ||
| Q3 25 | $4.7B | $4.5B | ||
| Q2 25 | $4.5B | $4.5B | ||
| Q1 25 | $4.4B | $4.2B | ||
| Q4 24 | $4.5B | $4.2B | ||
| Q3 24 | $4.7B | $4.1B | ||
| Q2 24 | $4.4B | $3.9B |
总资产AFGOSK
| Q1 26 | — | $10.0B | ||
| Q4 25 | $32.6B | $10.1B | ||
| Q3 25 | $33.8B | $9.8B | ||
| Q2 25 | $30.7B | $10.0B | ||
| Q1 25 | $30.3B | $9.8B | ||
| Q4 24 | $30.8B | $9.4B | ||
| Q3 24 | $32.6B | $9.9B | ||
| Q2 24 | $29.9B | $9.7B |
负债/权益比AFGOSK
| Q1 26 | — | — | ||
| Q4 25 | 0.38× | — | ||
| Q3 25 | 0.38× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.33× | — | ||
| Q3 24 | 0.31× | 0.15× | ||
| Q2 24 | 0.34× | 0.15× |
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 | — | — |
| 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AFGOSK
| Q1 26 | — | — | ||
| Q4 25 | $784.0M | $600.1M | ||
| Q3 25 | $216.0M | $489.0M | ||
| Q2 25 | $191.0M | $89.2M | ||
| Q1 25 | $342.0M | $-394.9M | ||
| Q4 24 | $674.0M | $790.8M | ||
| Q3 24 | $459.0M | $326.1M | ||
| Q2 24 | $-88.0M | $-211.0M |
自由现金流AFGOSK
| Q1 26 | — | — | ||
| Q4 25 | — | $540.3M | ||
| Q3 25 | — | $464.3M | ||
| Q2 25 | — | $48.6M | ||
| Q1 25 | — | $-435.2M | ||
| Q4 24 | — | $703.3M | ||
| Q3 24 | — | $272.2M | ||
| Q2 24 | — | $-250.5M |
自由现金流率AFGOSK
| Q1 26 | — | — | ||
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 17.3% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | -18.8% | ||
| Q4 24 | — | 27.1% | ||
| Q3 24 | — | 9.9% | ||
| Q2 24 | — | -8.8% |
资本支出强度AFGOSK
| Q1 26 | — | — | ||
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 3.4% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 1.4% |
现金转化率AFGOSK
| Q1 26 | — | — | ||
| Q4 25 | 2.62× | 4.49× | ||
| Q3 25 | 1.00× | 2.49× | ||
| Q2 25 | 1.10× | 0.44× | ||
| Q1 25 | 2.22× | -3.52× | ||
| Q4 24 | 2.64× | 5.17× | ||
| Q3 24 | 2.54× | 1.81× | ||
| Q2 24 | -0.42× | -1.25× |
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% |
OSK
暂无分部数据
