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西联汇款（AFG）与RENAISSANCERE HOLDINGS LTD（RNR）财务数据对比。点击上方公司名可切换其他公司
RENAISSANCERE HOLDINGS LTD的季度营收约是西联汇款的1.4倍（$3.0B vs $2.1B）。RENAISSANCERE HOLDINGS LTD净利率更高（25.6% vs 14.5%，领先11.1%）。RENAISSANCERE HOLDINGS LTD同比增速更快（29.6% vs -4.0%）。过去两年RENAISSANCERE HOLDINGS LTD的营收复合增速更高（6.9% 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。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
AFG vs RNR — 直观对比
营收规模更大
RNR
是对方的1.4倍
$2.1B
营收增速更快
RNR
高出33.6%
-4.0%
净利率更高
RNR
高出11.1%
14.5%
两年增速更快
RNR
近两年复合增速
4.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $3.0B |
| 净利润 | $299.0M | $760.5M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 42.5% |
| 净利率 | 14.5% | 25.6% |
| 营收同比 | -4.0% | 29.6% |
| 净利润同比 | 17.3% | 501.0% |
| 每股收益（稀释后） | $3.59 | $16.16 |
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AFGRNR
| Q4 25 | $2.1B | $3.0B | ||
| Q3 25 | $2.3B | $3.2B | ||
| Q2 25 | $1.9B | $3.2B | ||
| Q1 25 | $1.9B | $3.5B | ||
| Q4 24 | $2.1B | $2.3B | ||
| Q3 24 | $2.4B | $4.0B | ||
| Q2 24 | $1.9B | $2.8B | ||
| Q1 24 | $1.9B | $2.6B |
净利润AFGRNR
| Q4 25 | $299.0M | $760.5M | ||
| Q3 25 | $215.0M | $916.5M | ||
| Q2 25 | $174.0M | $835.4M | ||
| Q1 25 | $154.0M | $170.0M | ||
| Q4 24 | $255.0M | $-189.7M | ||
| Q3 24 | $181.0M | $1.2B | ||
| Q2 24 | $209.0M | $503.9M | ||
| Q1 24 | $242.0M | $373.6M |
营业利润率AFGRNR
| Q4 25 | 18.4% | 42.5% | ||
| Q3 25 | 11.5% | 46.3% | ||
| Q2 25 | 11.9% | 41.8% | ||
| Q1 25 | 10.6% | -2.0% | ||
| Q4 24 | 14.9% | -3.6% | ||
| Q3 24 | 9.7% | 43.7% | ||
| Q2 24 | 14.3% | 25.0% | ||
| Q1 24 | 15.9% | 24.4% |
净利率AFGRNR
| Q4 25 | 14.5% | 25.6% | ||
| Q3 25 | 9.2% | 28.7% | ||
| Q2 25 | 9.0% | 26.1% | ||
| Q1 25 | 8.3% | 4.9% | ||
| Q4 24 | 11.9% | -8.3% | ||
| Q3 24 | 7.6% | 29.8% | ||
| Q2 24 | 11.0% | 17.8% | ||
| Q1 24 | 12.7% | 14.4% |
每股收益（稀释后）AFGRNR
| Q4 25 | $3.59 | $16.16 | ||
| Q3 25 | $2.58 | $19.40 | ||
| Q2 25 | $2.07 | $17.20 | ||
| Q1 25 | $1.84 | $3.27 | ||
| Q4 24 | $3.03 | $-3.76 | ||
| Q3 24 | $2.16 | $22.62 | ||
| Q2 24 | $2.49 | $9.41 | ||
| Q1 24 | $2.89 | $6.94 |
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 | $1.7B |
| 总债务越低越好 | $1.8B | $2.3B |
| 股东权益账面价值 | $4.8B | $11.6B |
| 总资产 | $32.6B | $53.8B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资AFGRNR
| Q4 25 | $1.7B | $1.7B | ||
| Q3 25 | $1.8B | $1.7B | ||
| Q2 25 | $1.3B | $1.4B | ||
| Q1 25 | $1.3B | $1.6B | ||
| Q4 24 | $1.4B | $1.7B | ||
| Q3 24 | $1.3B | $1.6B | ||
| Q2 24 | $1.1B | $1.6B | ||
| Q1 24 | $1.1B | $1.6B |
总债务AFGRNR
| Q4 25 | $1.8B | $2.3B | ||
| Q3 25 | $1.8B | $2.2B | ||
| Q2 25 | $1.5B | $2.3B | ||
| Q1 25 | $1.5B | $2.8B | ||
| Q4 24 | $1.5B | $1.9B | ||
| Q3 24 | $1.5B | $1.9B | ||
| Q2 24 | $1.5B | $2.0B | ||
| Q1 24 | $1.5B | $1.9B |
股东权益AFGRNR
| Q4 25 | $4.8B | $11.6B | ||
| Q3 25 | $4.7B | $11.5B | ||
| Q2 25 | $4.5B | $10.8B | ||
| Q1 25 | $4.4B | $10.3B | ||
| Q4 24 | $4.5B | $10.6B | ||
| Q3 24 | $4.7B | $11.2B | ||
| Q2 24 | $4.4B | $10.2B | ||
| Q1 24 | $4.2B | $9.8B |
总资产AFGRNR
| Q4 25 | $32.6B | $53.8B | ||
| Q3 25 | $33.8B | $54.5B | ||
| Q2 25 | $30.7B | $54.7B | ||
| Q1 25 | $30.3B | $53.6B | ||
| Q4 24 | $30.8B | $50.7B | ||
| Q3 24 | $32.6B | $52.8B | ||
| Q2 24 | $29.9B | $51.6B | ||
| Q1 24 | $30.0B | $50.9B |
负债/权益比AFGRNR
| Q4 25 | 0.38× | 0.20× | ||
| Q3 25 | 0.38× | 0.19× | ||
| Q2 25 | 0.33× | 0.21× | ||
| Q1 25 | 0.34× | 0.27× | ||
| Q4 24 | 0.33× | 0.18× | ||
| Q3 24 | 0.31× | 0.17× | ||
| Q2 24 | 0.34× | 0.19× | ||
| Q1 24 | 0.35× | 0.19× |
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 | $483.0M |
| 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× | 0.64× |
| 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AFGRNR
| Q4 25 | $784.0M | $483.0M | ||
| Q3 25 | $216.0M | $1.6B | ||
| Q2 25 | $191.0M | $1.5B | ||
| Q1 25 | $342.0M | $157.8M | ||
| Q4 24 | $674.0M | $778.9M | ||
| Q3 24 | $459.0M | $1.5B | ||
| Q2 24 | $-88.0M | $1.2B | ||
| Q1 24 | $107.0M | $683.5M |
现金转化率AFGRNR
| Q4 25 | 2.62× | 0.64× | ||
| Q3 25 | 1.00× | 1.73× | ||
| Q2 25 | 1.10× | 1.76× | ||
| Q1 25 | 2.22× | 0.93× | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | 1.26× | ||
| Q2 24 | -0.42× | 2.41× | ||
| Q1 24 | 0.44× | 1.83× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
