vs
西联汇款（AFG）与奥的斯（OTIS）财务数据对比。点击上方公司名可切换其他公司
奥的斯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 9.5%，领先5.0%），奥的斯同比增速更快（1.0% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs -0.5%）
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。
奥的斯（Otis Worldwide）是总部位于美国的知名垂直交通解决方案提供商，专业从事电梯、自动扶梯、自动人行道及相关配套设备的研发、生产与销售业务，产品覆盖全球各地区的商业楼宇、公共设施、住宅等多元场景。
AFG vs OTIS — 直观对比
营收规模更大
OTIS
是对方的1.7倍
$2.1B
营收增速更快
OTIS
高出5.0%
-4.0%
净利率更高
AFG
高出5.0%
9.5%
两年增速更快
AFG
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $3.6B |
| 净利润 | $299.0M | $340.0M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 15.1% |
| 净利率 | 14.5% | 9.5% |
| 营收同比 | -4.0% | 1.0% |
| 净利润同比 | 17.3% | 750.0% |
| 每股收益（稀释后） | $3.59 | $0.87 |
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AFGOTIS
| Q1 26 | — | $3.6B | ||
| Q4 25 | $2.1B | $3.8B | ||
| Q3 25 | $2.3B | $3.7B | ||
| Q2 25 | $1.9B | $3.6B | ||
| Q1 25 | $1.9B | $3.4B | ||
| Q4 24 | $2.1B | $3.7B | ||
| Q3 24 | $2.4B | $3.5B | ||
| Q2 24 | $1.9B | $3.6B |
净利润AFGOTIS
| Q1 26 | — | $340.0M | ||
| Q4 25 | $299.0M | $374.0M | ||
| Q3 25 | $215.0M | $374.0M | ||
| Q2 25 | $174.0M | $393.0M | ||
| Q1 25 | $154.0M | $243.0M | ||
| Q4 24 | $255.0M | $337.0M | ||
| Q3 24 | $181.0M | $540.0M | ||
| Q2 24 | $209.0M | $415.0M |
营业利润率AFGOTIS
| Q1 26 | — | 15.1% | ||
| Q4 25 | 18.4% | 15.5% | ||
| Q3 25 | 11.5% | 15.9% | ||
| Q2 25 | 11.9% | 15.2% | ||
| Q1 25 | 10.6% | 12.3% | ||
| Q4 24 | 14.9% | 14.4% | ||
| Q3 24 | 9.7% | 10.2% | ||
| Q2 24 | 14.3% | 15.8% |
净利率AFGOTIS
| Q1 26 | — | 9.5% | ||
| Q4 25 | 14.5% | 9.9% | ||
| Q3 25 | 9.2% | 10.1% | ||
| Q2 25 | 9.0% | 10.9% | ||
| Q1 25 | 8.3% | 7.3% | ||
| Q4 24 | 11.9% | 9.2% | ||
| Q3 24 | 7.6% | 15.2% | ||
| Q2 24 | 11.0% | 11.5% |
每股收益（稀释后）AFGOTIS
| Q1 26 | — | $0.87 | ||
| Q4 25 | $3.59 | $0.95 | ||
| Q3 25 | $2.58 | $0.95 | ||
| Q2 25 | $2.07 | $0.99 | ||
| Q1 25 | $1.84 | $0.61 | ||
| Q4 24 | $3.03 | $0.85 | ||
| Q3 24 | $2.16 | $1.34 | ||
| Q2 24 | $2.49 | $1.02 |
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 | $834.0M |
| 总债务越低越好 | $1.8B | $6.9B |
| 股东权益账面价值 | $4.8B | — |
| 总资产 | $32.6B | $10.5B |
| 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AFGOTIS
| Q1 26 | — | $834.0M | ||
| Q4 25 | $1.7B | $1.1B | ||
| Q3 25 | $1.8B | $840.0M | ||
| Q2 25 | $1.3B | $688.0M | ||
| Q1 25 | $1.3B | $1.9B | ||
| Q4 24 | $1.4B | $2.3B | ||
| Q3 24 | $1.3B | $827.0M | ||
| Q2 24 | $1.1B | $942.0M |
总债务AFGOTIS
| Q1 26 | — | $6.9B | ||
| Q4 25 | $1.8B | $7.8B | ||
| Q3 25 | $1.8B | $7.7B | ||
| Q2 25 | $1.5B | $7.2B | ||
| Q1 25 | $1.5B | $8.4B | ||
| Q4 24 | $1.5B | $8.3B | ||
| Q3 24 | $1.5B | $6.9B | ||
| Q2 24 | $1.5B | $6.8B |
股东权益AFGOTIS
| Q1 26 | — | — | ||
| Q4 25 | $4.8B | $-5.4B | ||
| Q3 25 | $4.7B | $-5.4B | ||
| Q2 25 | $4.5B | $-5.4B | ||
| Q1 25 | $4.4B | $-5.1B | ||
| Q4 24 | $4.5B | $-4.8B | ||
| Q3 24 | $4.7B | $-4.9B | ||
| Q2 24 | $4.4B | $-5.0B |
总资产AFGOTIS
| Q1 26 | — | $10.5B | ||
| Q4 25 | $32.6B | $10.7B | ||
| Q3 25 | $33.8B | $10.8B | ||
| Q2 25 | $30.7B | $10.5B | ||
| Q1 25 | $30.3B | $11.2B | ||
| Q4 24 | $30.8B | $11.3B | ||
| Q3 24 | $32.6B | $10.3B | ||
| Q2 24 | $29.9B | $9.9B |
负债/权益比AFGOTIS
| 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× | — | ||
| 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 | — | $380.0M |
| 自由现金流率自由现金流/营收 | — | 10.7% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 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 | — | $1.7B |
8季度趋势，按日历期对齐
经营现金流AFGOTIS
| Q1 26 | — | — | ||
| Q4 25 | $784.0M | $817.0M | ||
| Q3 25 | $216.0M | $374.0M | ||
| Q2 25 | $191.0M | $215.0M | ||
| Q1 25 | $342.0M | $190.0M | ||
| Q4 24 | $674.0M | $690.0M | ||
| Q3 24 | $459.0M | $394.0M | ||
| Q2 24 | $-88.0M | $308.0M |
自由现金流AFGOTIS
| Q1 26 | — | $380.0M | ||
| Q4 25 | — | $772.0M | ||
| Q3 25 | — | $337.0M | ||
| Q2 25 | — | $179.0M | ||
| Q1 25 | — | $156.0M | ||
| Q4 24 | — | $651.0M | ||
| Q3 24 | — | $362.0M | ||
| Q2 24 | — | $284.0M |
自由现金流率AFGOTIS
| Q1 26 | — | 10.7% | ||
| Q4 25 | — | 20.3% | ||
| Q3 25 | — | 9.1% | ||
| Q2 25 | — | 5.0% | ||
| Q1 25 | — | 4.7% | ||
| Q4 24 | — | 17.7% | ||
| Q3 24 | — | 10.2% | ||
| Q2 24 | — | 7.9% |
资本支出强度AFGOTIS
| Q1 26 | — | 0.9% | ||
| Q4 25 | — | 1.2% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 0.7% |
现金转化率AFGOTIS
| Q1 26 | — | — | ||
| Q4 25 | 2.62× | 2.18× | ||
| Q3 25 | 1.00× | 1.00× | ||
| Q2 25 | 1.10× | 0.55× | ||
| Q1 25 | 2.22× | 0.78× | ||
| Q4 24 | 2.64× | 2.05× | ||
| Q3 24 | 2.54× | 0.73× | ||
| Q2 24 | -0.42× | 0.74× |
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% |
OTIS
| Service | $2.2B | 61% |
| New Equipment | $1.1B | 32% |
| Other | $230.0M | 6% |
