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西联汇款（AFG）与Roper Technologies（ROP）财务数据对比。点击上方公司名可切换其他公司
Roper Technologies的季度营收约是西联汇款的1.0倍（$2.1B vs $2.1B），Roper Technologies净利率更高（15.8% vs 14.5%，领先1.3%），Roper Technologies同比增速更快（11.3% vs -4.0%），过去两年Roper Technologies的营收复合增速更高（10.5% 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。
罗珀技术公司是一家专注于科技领域的控股企业，通过持有并运营多家不同细分赛道的科技公司，在科技产业投资与资产管理领域形成了成熟的业务体系，在全球相关市场具备较高的行业影响力。
AFG vs ROP — 直观对比
营收规模更大
ROP
是对方的1.0倍
$2.1B
营收增速更快
ROP
高出15.3%
-4.0%
净利率更高
ROP
高出1.3%
14.5%
两年增速更快
ROP
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $2.1B |
| 净利润 | $299.0M | $331.0M |
| 毛利率 | — | 69.4% |
| 营业利润率 | 18.4% | 27.2% |
| 净利率 | 14.5% | 15.8% |
| 营收同比 | -4.0% | 11.3% |
| 净利润同比 | 17.3% | 53.7% |
| 每股收益（稀释后） | $3.59 | $4.87 |
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AFGROP
| Q1 26 | — | $2.1B | ||
| Q4 25 | $2.1B | $2.1B | ||
| Q3 25 | $2.3B | $2.0B | ||
| Q2 25 | $1.9B | $1.9B | ||
| Q1 25 | $1.9B | $1.9B | ||
| Q4 24 | $2.1B | $1.9B | ||
| Q3 24 | $2.4B | $1.8B | ||
| Q2 24 | $1.9B | $1.7B |
净利润AFGROP
| Q1 26 | — | $331.0M | ||
| Q4 25 | $299.0M | $428.4M | ||
| Q3 25 | $215.0M | $398.5M | ||
| Q2 25 | $174.0M | $378.3M | ||
| Q1 25 | $154.0M | $331.1M | ||
| Q4 24 | $255.0M | $462.3M | ||
| Q3 24 | $181.0M | $367.9M | ||
| Q2 24 | $209.0M | $337.1M |
毛利率AFGROP
| Q1 26 | — | 69.4% | ||
| Q4 25 | — | 69.5% | ||
| Q3 25 | — | 69.5% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 68.7% | ||
| Q4 24 | — | 68.3% | ||
| Q3 24 | — | 69.2% | ||
| Q2 24 | — | 69.5% |
营业利润率AFGROP
| Q1 26 | — | 27.2% | ||
| Q4 25 | 18.4% | 28.6% | ||
| Q3 25 | 11.5% | 28.4% | ||
| Q2 25 | 11.9% | 28.2% | ||
| Q1 25 | 10.6% | 27.9% | ||
| Q4 24 | 14.9% | 28.0% | ||
| Q3 24 | 9.7% | 28.1% | ||
| Q2 24 | 14.3% | 28.8% |
净利率AFGROP
| Q1 26 | — | 15.8% | ||
| Q4 25 | 14.5% | 20.8% | ||
| Q3 25 | 9.2% | 19.8% | ||
| Q2 25 | 9.0% | 19.5% | ||
| Q1 25 | 8.3% | 17.6% | ||
| Q4 24 | 11.9% | 24.6% | ||
| Q3 24 | 7.6% | 20.8% | ||
| Q2 24 | 11.0% | 19.6% |
每股收益（稀释后）AFGROP
| Q1 26 | — | $4.87 | ||
| Q4 25 | $3.59 | $3.97 | ||
| Q3 25 | $2.58 | $3.68 | ||
| Q2 25 | $2.07 | $3.49 | ||
| Q1 25 | $1.84 | $3.06 | ||
| Q4 24 | $3.03 | $4.29 | ||
| Q3 24 | $2.16 | $3.40 | ||
| Q2 24 | $2.49 | $3.12 |
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 | $382.9M |
| 总债务越低越好 | $1.8B | $9.7B |
| 股东权益账面价值 | $4.8B | $18.8B |
| 总资产 | $32.6B | $34.6B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.52× |
8季度趋势，按日历期对齐
现金及短期投资AFGROP
| Q1 26 | — | $382.9M | ||
| Q4 25 | $1.7B | $297.4M | ||
| Q3 25 | $1.8B | $320.0M | ||
| Q2 25 | $1.3B | $242.4M | ||
| Q1 25 | $1.3B | $372.8M | ||
| Q4 24 | $1.4B | $188.2M | ||
| Q3 24 | $1.3B | $269.6M | ||
| Q2 24 | $1.1B | $251.5M |
总债务AFGROP
| Q1 26 | — | $9.7B | ||
| Q4 25 | $1.8B | $9.3B | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | $7.6B | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — |
股东权益AFGROP
| Q1 26 | — | $18.8B | ||
| Q4 25 | $4.8B | $19.9B | ||
| Q3 25 | $4.7B | $20.0B | ||
| Q2 25 | $4.5B | $19.6B | ||
| Q1 25 | $4.4B | $19.2B | ||
| Q4 24 | $4.5B | $18.9B | ||
| Q3 24 | $4.7B | $18.5B | ||
| Q2 24 | $4.4B | $18.1B |
总资产AFGROP
| Q1 26 | — | $34.6B | ||
| Q4 25 | $32.6B | $34.6B | ||
| Q3 25 | $33.8B | $34.6B | ||
| Q2 25 | $30.7B | $33.2B | ||
| Q1 25 | $30.3B | $31.4B | ||
| Q4 24 | $30.8B | $31.3B | ||
| Q3 24 | $32.6B | $31.6B | ||
| Q2 24 | $29.9B | $29.8B |
负债/权益比AFGROP
| Q1 26 | — | 0.52× | ||
| Q4 25 | 0.38× | 0.47× | ||
| Q3 25 | 0.38× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.33× | 0.40× | ||
| 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 | — | $507.0M |
| 自由现金流率自由现金流/营收 | — | 24.2% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流AFGROP
| Q1 26 | — | — | ||
| Q4 25 | $784.0M | $738.0M | ||
| Q3 25 | $216.0M | $869.5M | ||
| Q2 25 | $191.0M | $404.1M | ||
| Q1 25 | $342.0M | $528.7M | ||
| Q4 24 | $674.0M | $722.2M | ||
| Q3 24 | $459.0M | $755.4M | ||
| Q2 24 | $-88.0M | $384.1M |
自由现金流AFGROP
| Q1 26 | — | $507.0M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率AFGROP
| Q1 26 | — | 24.2% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度AFGROP
| Q1 26 | — | 0.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率AFGROP
| Q1 26 | — | — | ||
| Q4 25 | 2.62× | 1.72× | ||
| Q3 25 | 1.00× | 2.18× | ||
| Q2 25 | 1.10× | 1.07× | ||
| Q1 25 | 2.22× | 1.60× | ||
| Q4 24 | 2.64× | 1.56× | ||
| Q3 24 | 2.54× | 2.05× | ||
| Q2 24 | -0.42× | 1.14× |
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% |
ROP
暂无分部数据
