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西联汇款（AFG）与先锋自然资源公司（PR）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先锋自然资源公司的1.8倍（$2.1B vs $1.2B），先锋自然资源公司净利率更高（29.0% vs 14.5%，领先14.5%），西联汇款同比增速更快（-4.0% vs -9.8%），过去两年西联汇款的营收复合增速更高（4.0% vs -3.0%）
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。
先锋自然资源公司总部位于美国得克萨斯州欧文市，主要从事油气勘探业务，运营覆盖二叠纪盆地Spraberry产区的克莱恩页岩区块，是该区域最大的土地权益持有方，2024年5月被埃克森美孚收购。
AFG vs PR — 直观对比
营收规模更大
AFG
是对方的1.8倍
$1.2B
营收增速更快
AFG
高出5.8%
-9.8%
净利率更高
PR
高出14.5%
14.5%
两年增速更快
AFG
近两年复合增速
-3.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.2B |
| 净利润 | $299.0M | $339.5M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 23.1% |
| 净利率 | 14.5% | 29.0% |
| 营收同比 | -4.0% | -9.8% |
| 净利润同比 | 17.3% | 56.7% |
| 每股收益（稀释后） | $3.59 | $0.48 |
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AFGPR
| Q4 25 | $2.1B | $1.2B | ||
| Q3 25 | $2.3B | $1.3B | ||
| Q2 25 | $1.9B | $1.2B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $2.1B | $1.3B | ||
| Q3 24 | $2.4B | $1.2B | ||
| Q2 24 | $1.9B | $1.2B | ||
| Q1 24 | $1.9B | $1.2B |
净利润AFGPR
| Q4 25 | $299.0M | $339.5M | ||
| Q3 25 | $215.0M | $59.2M | ||
| Q2 25 | $174.0M | $207.1M | ||
| Q1 25 | $154.0M | $329.3M | ||
| Q4 24 | $255.0M | $216.7M | ||
| Q3 24 | $181.0M | $386.4M | ||
| Q2 24 | $209.0M | $235.1M | ||
| Q1 24 | $242.0M | $146.6M |
营业利润率AFGPR
| Q4 25 | 18.4% | 23.1% | ||
| Q3 25 | 11.5% | 29.6% | ||
| Q2 25 | 11.9% | 24.8% | ||
| Q1 25 | 10.6% | 36.6% | ||
| Q4 24 | 14.9% | 32.8% | ||
| Q3 24 | 9.7% | 32.5% | ||
| Q2 24 | 14.3% | 36.5% | ||
| Q1 24 | 15.9% | 37.7% |
净利率AFGPR
| Q4 25 | 14.5% | 29.0% | ||
| Q3 25 | 9.2% | 4.5% | ||
| Q2 25 | 9.0% | 17.3% | ||
| Q1 25 | 8.3% | 23.9% | ||
| Q4 24 | 11.9% | 16.7% | ||
| Q3 24 | 7.6% | 31.8% | ||
| Q2 24 | 11.0% | 18.9% | ||
| Q1 24 | 12.7% | 11.8% |
每股收益（稀释后）AFGPR
| Q4 25 | $3.59 | $0.48 | ||
| Q3 25 | $2.58 | $0.08 | ||
| Q2 25 | $2.07 | $0.28 | ||
| Q1 25 | $1.84 | $0.44 | ||
| Q4 24 | $3.03 | $0.31 | ||
| Q3 24 | $2.16 | $0.53 | ||
| Q2 24 | $2.49 | $0.36 | ||
| Q1 24 | $2.89 | $0.25 |
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 | $153.7M |
| 总债务越低越好 | $1.8B | $3.5B |
| 股东权益账面价值 | $4.8B | $10.3B |
| 总资产 | $32.6B | $17.9B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.34× |
8季度趋势，按日历期对齐
现金及短期投资AFGPR
| Q4 25 | $1.7B | $153.7M | ||
| Q3 25 | $1.8B | $111.8M | ||
| Q2 25 | $1.3B | $451.0M | ||
| Q1 25 | $1.3B | $702.2M | ||
| Q4 24 | $1.4B | $479.3M | ||
| Q3 24 | $1.3B | $272.0M | ||
| Q2 24 | $1.1B | $47.8M | ||
| Q1 24 | $1.1B | $12.7M |
总债务AFGPR
| Q4 25 | $1.8B | $3.5B | ||
| Q3 25 | $1.8B | $3.5B | ||
| Q2 25 | $1.5B | $4.0B | ||
| Q1 25 | $1.5B | $4.0B | ||
| Q4 24 | $1.5B | $4.2B | ||
| Q3 24 | $1.5B | $4.2B | ||
| Q2 24 | $1.5B | $3.9B | ||
| Q1 24 | $1.5B | $3.9B |
股东权益AFGPR
| Q4 25 | $4.8B | $10.3B | ||
| Q3 25 | $4.7B | $10.0B | ||
| Q2 25 | $4.5B | $9.5B | ||
| Q1 25 | $4.4B | $9.4B | ||
| Q4 24 | $4.5B | $9.1B | ||
| Q3 24 | $4.7B | $9.0B | ||
| Q2 24 | $4.4B | $8.3B | ||
| Q1 24 | $4.2B | $7.0B |
总资产AFGPR
| Q4 25 | $32.6B | $17.9B | ||
| Q3 25 | $33.8B | $17.3B | ||
| Q2 25 | $30.7B | $17.5B | ||
| Q1 25 | $30.3B | $17.1B | ||
| Q4 24 | $30.8B | $16.9B | ||
| Q3 24 | $32.6B | $16.6B | ||
| Q2 24 | $29.9B | $15.4B | ||
| Q1 24 | $30.0B | $15.1B |
负债/权益比AFGPR
| Q4 25 | 0.38× | 0.34× | ||
| Q3 25 | 0.38× | 0.35× | ||
| Q2 25 | 0.33× | 0.42× | ||
| Q1 25 | 0.34× | 0.43× | ||
| Q4 24 | 0.33× | 0.46× | ||
| Q3 24 | 0.31× | 0.47× | ||
| Q2 24 | 0.34× | 0.46× | ||
| Q1 24 | 0.35× | 0.56× |
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 | $904.3M |
| 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× | 2.66× |
| 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AFGPR
| Q4 25 | $784.0M | $904.3M | ||
| Q3 25 | $216.0M | $766.5M | ||
| Q2 25 | $191.0M | $1.0B | ||
| Q1 25 | $342.0M | $898.0M | ||
| Q4 24 | $674.0M | $871.6M | ||
| Q3 24 | $459.0M | $954.4M | ||
| Q2 24 | $-88.0M | $938.4M | ||
| Q1 24 | $107.0M | $647.6M |
现金转化率AFGPR
| Q4 25 | 2.62× | 2.66× | ||
| Q3 25 | 1.00× | 12.94× | ||
| Q2 25 | 1.10× | 5.01× | ||
| Q1 25 | 2.22× | 2.73× | ||
| Q4 24 | 2.64× | 4.02× | ||
| Q3 24 | 2.54× | 2.47× | ||
| Q2 24 | -0.42× | 3.99× | ||
| Q1 24 | 0.44× | 4.42× |
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% |
PR
| Crude Oil | $1.0B | 87% |
| Natural Gas Liquids Reserves | $145.1M | 12% |
