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西联汇款（AFG）与Primo Brands Corp（PRMB）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Primo Brands Corp的1.3倍（$2.1B vs $1.6B），西联汇款净利率更高（14.5% vs -0.8%，领先15.3%）
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。
Primo Brands Corp是一家美加合资饮用水企业，主营多规格桶装水、饮水机、自助补水设备及净水家电，总部位于美国佛罗里达州坦帕市，服务覆盖美国、加拿大、欧洲及以色列的住宅与商业客户。
AFG vs PRMB — 直观对比
营收规模更大
AFG
是对方的1.3倍
$1.6B
净利率更高
AFG
高出15.3%
-0.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.6B |
| 净利润 | $299.0M | $-13.0M |
| 毛利率 | — | 27.7% |
| 营业利润率 | 18.4% | 1.2% |
| 净利率 | 14.5% | -0.8% |
| 营收同比 | -4.0% | — |
| 净利润同比 | 17.3% | — |
| 每股收益（稀释后） | $3.59 | $-0.03 |
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AFGPRMB
| Q4 25 | $2.1B | $1.6B | ||
| Q3 25 | $2.3B | $1.8B | ||
| Q2 25 | $1.9B | $1.7B | ||
| Q1 25 | $1.9B | $1.6B | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.4B | $0 | ||
| Q2 24 | $1.9B | $1.3B | ||
| Q1 24 | $1.9B | $1.1B |
净利润AFGPRMB
| Q4 25 | $299.0M | $-13.0M | ||
| Q3 25 | $215.0M | $16.8M | ||
| Q2 25 | $174.0M | $27.6M | ||
| Q1 25 | $154.0M | $28.7M | ||
| Q4 24 | $255.0M | — | ||
| Q3 24 | $181.0M | $-2.0K | ||
| Q2 24 | $209.0M | $54.5M | ||
| Q1 24 | $242.0M | $33.5M |
毛利率AFGPRMB
| Q4 25 | — | 27.7% | ||
| Q3 25 | — | 29.9% | ||
| Q2 25 | — | 31.3% | ||
| Q1 25 | — | 32.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 32.7% | ||
| Q1 24 | — | 30.4% |
营业利润率AFGPRMB
| Q4 25 | 18.4% | 1.2% | ||
| Q3 25 | 11.5% | 8.3% | ||
| Q2 25 | 11.9% | 6.5% | ||
| Q1 25 | 10.6% | 9.5% | ||
| Q4 24 | 14.9% | — | ||
| Q3 24 | 9.7% | — | ||
| Q2 24 | 14.3% | 12.1% | ||
| Q1 24 | 15.9% | 11.0% |
净利率AFGPRMB
| Q4 25 | 14.5% | -0.8% | ||
| Q3 25 | 9.2% | 1.0% | ||
| Q2 25 | 9.0% | 1.6% | ||
| Q1 25 | 8.3% | 1.8% | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 7.6% | — | ||
| Q2 24 | 11.0% | 4.1% | ||
| Q1 24 | 12.7% | 2.9% |
每股收益（稀释后）AFGPRMB
| Q4 25 | $3.59 | $-0.03 | ||
| Q3 25 | $2.58 | $0.04 | ||
| Q2 25 | $2.07 | $0.07 | ||
| Q1 25 | $1.84 | $0.08 | ||
| Q4 24 | $3.03 | — | ||
| Q3 24 | $2.16 | $-20.00 | ||
| Q2 24 | $2.49 | $0.25 | ||
| Q1 24 | $2.89 | $0.15 |
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 | $376.7M |
| 总债务越低越好 | $1.8B | $5.2B |
| 股东权益账面价值 | $4.8B | $3.0B |
| 总资产 | $32.6B | $10.6B |
| 负债/权益比越低杠杆越低 | 0.38× | 1.72× |
8季度趋势，按日历期对齐
现金及短期投资AFGPRMB
| Q4 25 | $1.7B | $376.7M | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.1B | — | ||
| Q1 24 | $1.1B | — |
总债务AFGPRMB
| Q4 25 | $1.8B | $5.2B | ||
| Q3 25 | $1.8B | $5.1B | ||
| Q2 25 | $1.5B | $5.1B | ||
| Q1 25 | $1.5B | $5.0B | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
股东权益AFGPRMB
| Q4 25 | $4.8B | $3.0B | ||
| Q3 25 | $4.7B | $3.2B | ||
| Q2 25 | $4.5B | $3.2B | ||
| Q1 25 | $4.4B | $3.3B | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $4.7B | $-2.0K | ||
| Q2 24 | $4.4B | $-296.8M | ||
| Q1 24 | $4.2B | $-349.8M |
总资产AFGPRMB
| Q4 25 | $32.6B | $10.6B | ||
| Q3 25 | $33.8B | $11.0B | ||
| Q2 25 | $30.7B | $11.0B | ||
| Q1 25 | $30.3B | $11.0B | ||
| Q4 24 | $30.8B | — | ||
| Q3 24 | $32.6B | $0 | ||
| Q2 24 | $29.9B | — | ||
| Q1 24 | $30.0B | — |
负债/权益比AFGPRMB
| Q4 25 | 0.38× | 1.72× | ||
| Q3 25 | 0.38× | 1.61× | ||
| Q2 25 | 0.33× | 1.57× | ||
| Q1 25 | 0.34× | 1.51× | ||
| 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 | $203.1M |
| 自由现金流经营现金流 - 资本支出 | — | $57.3M |
| 自由现金流率自由现金流/营收 | — | 3.7% |
| 资本支出强度资本支出/营收 | — | 9.4% |
| 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 | — | $302.9M |
8季度趋势，按日历期对齐
经营现金流AFGPRMB
| Q4 25 | $784.0M | $203.1M | ||
| Q3 25 | $216.0M | $283.4M | ||
| Q2 25 | $191.0M | $155.0M | ||
| Q1 25 | $342.0M | $38.8M | ||
| Q4 24 | $674.0M | — | ||
| Q3 24 | $459.0M | $0 | ||
| Q2 24 | $-88.0M | $102.5M | ||
| Q1 24 | $107.0M | $6.0M |
自由现金流AFGPRMB
| Q4 25 | — | $57.3M | ||
| Q3 25 | — | $167.7M | ||
| Q2 25 | — | $101.1M | ||
| Q1 25 | — | $-23.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $61.4M | ||
| Q1 24 | — | $-17.5M |
自由现金流率AFGPRMB
| Q4 25 | — | 3.7% | ||
| Q3 25 | — | 9.5% | ||
| Q2 25 | — | 5.8% | ||
| Q1 25 | — | -1.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 4.7% | ||
| Q1 24 | — | -1.5% |
资本支出强度AFGPRMB
| Q4 25 | — | 9.4% | ||
| Q3 25 | — | 6.6% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 2.1% |
现金转化率AFGPRMB
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | 16.87× | ||
| Q2 25 | 1.10× | 5.62× | ||
| Q1 25 | 2.22× | 1.35× | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | — | ||
| Q2 24 | -0.42× | 1.88× | ||
| Q1 24 | 0.44× | 0.18× |
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% |
PRMB
| Regional Spring Water | $765.1M | 49% |
| Purified Water | $484.5M | 31% |
| Other | $188.4M | 12% |
| Premium Water | $90.3M | 6% |
| Other Water | $25.8M | 2% |
