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西联汇款（AFG）与帕兰提尔科技（PLTR）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帕兰提尔科技的1.5倍（$2.1B vs $1.4B），帕兰提尔科技净利率更高（43.3% vs 14.5%，领先28.8%），帕兰提尔科技同比增速更快（70.0% vs -4.0%），过去两年帕兰提尔科技的营收复合增速更高（48.9% vs 4.0%）
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。
帕兰提尔科技是美国上市企业，专注研发数据集成与分析平台，为政府机构、军方及各行业企业提供多源数据整合分析能力。旗下核心产品Gotham与Foundry可打通相互孤立的数据库，广泛支撑情报作业、反恐分析、执法工作及企业级数据分析场景。
AFG vs PLTR — 直观对比
营收规模更大
AFG
是对方的1.5倍
$1.4B
营收增速更快
PLTR
高出74.0%
-4.0%
净利率更高
PLTR
高出28.8%
14.5%
两年增速更快
PLTR
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.4B |
| 净利润 | $299.0M | $608.7M |
| 毛利率 | — | 84.6% |
| 营业利润率 | 18.4% | 40.9% |
| 净利率 | 14.5% | 43.3% |
| 营收同比 | -4.0% | 70.0% |
| 净利润同比 | 17.3% | 670.4% |
| 每股收益（稀释后） | $3.59 | $0.24 |
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AFGPLTR
| Q4 25 | $2.1B | $1.4B | ||
| Q3 25 | $2.3B | $1.2B | ||
| Q2 25 | $1.9B | $1.0B | ||
| Q1 25 | $1.9B | $883.9M | ||
| Q4 24 | $2.1B | $827.5M | ||
| Q3 24 | $2.4B | $725.5M | ||
| Q2 24 | $1.9B | $678.1M | ||
| Q1 24 | $1.9B | $634.3M |
净利润AFGPLTR
| Q4 25 | $299.0M | $608.7M | ||
| Q3 25 | $215.0M | $475.6M | ||
| Q2 25 | $174.0M | $326.7M | ||
| Q1 25 | $154.0M | $214.0M | ||
| Q4 24 | $255.0M | $79.0M | ||
| Q3 24 | $181.0M | $143.5M | ||
| Q2 24 | $209.0M | $134.1M | ||
| Q1 24 | $242.0M | $105.5M |
毛利率AFGPLTR
| Q4 25 | — | 84.6% | ||
| Q3 25 | — | 82.4% | ||
| Q2 25 | — | 80.8% | ||
| Q1 25 | — | 80.4% | ||
| Q4 24 | — | 78.9% | ||
| Q3 24 | — | 79.8% | ||
| Q2 24 | — | 81.0% | ||
| Q1 24 | — | 81.7% |
营业利润率AFGPLTR
| Q4 25 | 18.4% | 40.9% | ||
| Q3 25 | 11.5% | 33.3% | ||
| Q2 25 | 11.9% | 26.8% | ||
| Q1 25 | 10.6% | 19.9% | ||
| Q4 24 | 14.9% | 1.3% | ||
| Q3 24 | 9.7% | 15.6% | ||
| Q2 24 | 14.3% | 15.5% | ||
| Q1 24 | 15.9% | 12.8% |
净利率AFGPLTR
| Q4 25 | 14.5% | 43.3% | ||
| Q3 25 | 9.2% | 40.3% | ||
| Q2 25 | 9.0% | 32.6% | ||
| Q1 25 | 8.3% | 24.2% | ||
| Q4 24 | 11.9% | 9.5% | ||
| Q3 24 | 7.6% | 19.8% | ||
| Q2 24 | 11.0% | 19.8% | ||
| Q1 24 | 12.7% | 16.6% |
每股收益（稀释后）AFGPLTR
| Q4 25 | $3.59 | $0.24 | ||
| Q3 25 | $2.58 | $0.18 | ||
| Q2 25 | $2.07 | $0.13 | ||
| Q1 25 | $1.84 | $0.08 | ||
| Q4 24 | $3.03 | $0.03 | ||
| Q3 24 | $2.16 | $0.06 | ||
| Q2 24 | $2.49 | $0.06 | ||
| Q1 24 | $2.89 | $0.04 |
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 | $7.2B |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $7.4B |
| 总资产 | $32.6B | $8.9B |
| 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AFGPLTR
| Q4 25 | $1.7B | $7.2B | ||
| Q3 25 | $1.8B | $6.4B | ||
| Q2 25 | $1.3B | $6.0B | ||
| Q1 25 | $1.3B | $5.4B | ||
| Q4 24 | $1.4B | $5.2B | ||
| Q3 24 | $1.3B | $4.6B | ||
| Q2 24 | $1.1B | $4.0B | ||
| Q1 24 | $1.1B | $3.9B |
总债务AFGPLTR
| 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AFGPLTR
| Q4 25 | $4.8B | $7.4B | ||
| Q3 25 | $4.7B | $6.6B | ||
| Q2 25 | $4.5B | $5.9B | ||
| Q1 25 | $4.4B | $5.4B | ||
| Q4 24 | $4.5B | $5.0B | ||
| Q3 24 | $4.7B | $4.5B | ||
| Q2 24 | $4.4B | $4.1B | ||
| Q1 24 | $4.2B | $3.8B |
总资产AFGPLTR
| Q4 25 | $32.6B | $8.9B | ||
| Q3 25 | $33.8B | $8.1B | ||
| Q2 25 | $30.7B | $7.4B | ||
| Q1 25 | $30.3B | $6.7B | ||
| Q4 24 | $30.8B | $6.3B | ||
| Q3 24 | $32.6B | $5.8B | ||
| Q2 24 | $29.9B | $5.2B | ||
| Q1 24 | $30.0B | $4.8B |
负债/权益比AFGPLTR
| 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 | $777.3M |
| 自由现金流经营现金流 - 资本支出 | — | $764.0M |
| 自由现金流率自由现金流/营收 | — | 54.3% |
| 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× | 1.28× |
| 过去12个月自由现金流最近4个季度 | — | $2.1B |
8季度趋势，按日历期对齐
经营现金流AFGPLTR
| Q4 25 | $784.0M | $777.3M | ||
| Q3 25 | $216.0M | $507.7M | ||
| Q2 25 | $191.0M | $539.3M | ||
| Q1 25 | $342.0M | $310.3M | ||
| Q4 24 | $674.0M | $460.3M | ||
| Q3 24 | $459.0M | $419.8M | ||
| Q2 24 | $-88.0M | $144.2M | ||
| Q1 24 | $107.0M | $129.6M |
自由现金流AFGPLTR
| Q4 25 | — | $764.0M | ||
| Q3 25 | — | $500.9M | ||
| Q2 25 | — | $531.6M | ||
| Q1 25 | — | $304.1M | ||
| Q4 24 | — | $457.2M | ||
| Q3 24 | — | $415.8M | ||
| Q2 24 | — | $141.3M | ||
| Q1 24 | — | $126.9M |
自由现金流率AFGPLTR
| Q4 25 | — | 54.3% | ||
| Q3 25 | — | 42.4% | ||
| Q2 25 | — | 53.0% | ||
| Q1 25 | — | 34.4% | ||
| Q4 24 | — | 55.3% | ||
| Q3 24 | — | 57.3% | ||
| Q2 24 | — | 20.8% | ||
| Q1 24 | — | 20.0% |
资本支出强度AFGPLTR
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.4% |
现金转化率AFGPLTR
| Q4 25 | 2.62× | 1.28× | ||
| Q3 25 | 1.00× | 1.07× | ||
| Q2 25 | 1.10× | 1.65× | ||
| Q1 25 | 2.22× | 1.45× | ||
| Q4 24 | 2.64× | 5.83× | ||
| Q3 24 | 2.54× | 2.92× | ||
| Q2 24 | -0.42× | 1.08× | ||
| Q1 24 | 0.44× | 1.23× |
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% |
PLTR
| Geographic Concentration Risk | $1.1B | 77% |
| Other | $330.4M | 23% |
