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西联汇款（AFG）与RPM INTERNATIONAL INC（RPM）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RPM INTERNATIONAL INC的1.1倍（$2.1B vs $1.9B），西联汇款净利率更高（14.5% vs 8.4%，领先6.1%），RPM INTERNATIONAL INC同比增速更快（3.5% vs -4.0%），过去两年RPM INTERNATIONAL INC的营收复合增速更高（12.0% 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。
BVS娱乐前身为Saban制作、Saban国际及Saban娱乐，是华特迪士尼公司旗下子公司。1980年4月24日由哈伊姆·萨班与舒基·利维创立，最初主营音乐制作，后逐步转向电视节目制作发行业务，最为知名的是为Fox Family/ABC Family及已停播的Fox Kids、Jetix频道制作发行儿童节目。
AFG vs RPM — 直观对比
营收规模更大
AFG
是对方的1.1倍
$1.9B
营收增速更快
RPM
高出7.5%
-4.0%
净利率更高
AFG
高出6.1%
8.4%
两年增速更快
RPM
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.9B |
| 净利润 | $299.0M | $161.2M |
| 毛利率 | — | 40.8% |
| 营业利润率 | 18.4% | 11.0% |
| 净利率 | 14.5% | 8.4% |
| 营收同比 | -4.0% | 3.5% |
| 净利润同比 | 17.3% | -12.0% |
| 每股收益（稀释后） | $3.59 | $1.26 |
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AFGRPM
| Q4 25 | $2.1B | $1.9B | ||
| Q3 25 | $2.3B | $2.1B | ||
| Q2 25 | $1.9B | $2.1B | ||
| Q1 25 | $1.9B | $1.5B | ||
| Q4 24 | $2.1B | $1.8B | ||
| Q3 24 | $2.4B | $2.0B | ||
| Q2 24 | $1.9B | $2.0B | ||
| Q1 24 | $1.9B | $1.5B |
净利润AFGRPM
| Q4 25 | $299.0M | $161.2M | ||
| Q3 25 | $215.0M | $227.6M | ||
| Q2 25 | $174.0M | $225.8M | ||
| Q1 25 | $154.0M | $52.0M | ||
| Q4 24 | $255.0M | $183.2M | ||
| Q3 24 | $181.0M | $227.7M | ||
| Q2 24 | $209.0M | $180.6M | ||
| Q1 24 | $242.0M | $61.2M |
毛利率AFGRPM
| Q4 25 | — | 40.8% | ||
| Q3 25 | — | 42.3% | ||
| Q2 25 | — | 42.4% | ||
| Q1 25 | — | 38.4% | ||
| Q4 24 | — | 41.4% | ||
| Q3 24 | — | 42.5% | ||
| Q2 24 | — | 41.4% | ||
| Q1 24 | — | 39.9% |
营业利润率AFGRPM
| Q4 25 | 18.4% | 11.0% | ||
| Q3 25 | 11.5% | 14.1% | ||
| Q2 25 | 11.9% | 11.9% | ||
| Q1 25 | 10.6% | 2.8% | ||
| Q4 24 | 14.9% | 11.5% | ||
| Q3 24 | 9.7% | 14.8% | ||
| Q2 24 | 14.3% | 11.9% | ||
| Q1 24 | 15.9% | 5.5% |
净利率AFGRPM
| Q4 25 | 14.5% | 8.4% | ||
| Q3 25 | 9.2% | 10.8% | ||
| Q2 25 | 9.0% | 10.8% | ||
| Q1 25 | 8.3% | 3.5% | ||
| Q4 24 | 11.9% | 9.9% | ||
| Q3 24 | 7.6% | 11.6% | ||
| Q2 24 | 11.0% | 9.0% | ||
| Q1 24 | 12.7% | 4.0% |
每股收益（稀释后）AFGRPM
| Q4 25 | $3.59 | $1.26 | ||
| Q3 25 | $2.58 | $1.77 | ||
| Q2 25 | $2.07 | $1.76 | ||
| Q1 25 | $1.84 | $0.40 | ||
| Q4 24 | $3.03 | $1.42 | ||
| Q3 24 | $2.16 | $1.77 | ||
| Q2 24 | $2.49 | $1.40 | ||
| Q1 24 | $2.89 | $0.47 |
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 | $316.6M |
| 总债务越低越好 | $1.8B | $2.5B |
| 股东权益账面价值 | $4.8B | $3.1B |
| 总资产 | $32.6B | $7.9B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.80× |
8季度趋势，按日历期对齐
现金及短期投资AFGRPM
| Q4 25 | $1.7B | $316.6M | ||
| Q3 25 | $1.8B | $297.1M | ||
| Q2 25 | $1.3B | $302.1M | ||
| Q1 25 | $1.3B | $241.9M | ||
| Q4 24 | $1.4B | $268.7M | ||
| Q3 24 | $1.3B | $231.6M | ||
| Q2 24 | $1.1B | $237.4M | ||
| Q1 24 | $1.1B | $248.9M |
总债务AFGRPM
| Q4 25 | $1.8B | $2.5B | ||
| Q3 25 | $1.8B | $2.7B | ||
| Q2 25 | $1.5B | $2.6B | ||
| Q1 25 | $1.5B | $2.1B | ||
| Q4 24 | $1.5B | $2.0B | ||
| Q3 24 | $1.5B | $2.0B | ||
| Q2 24 | $1.5B | $2.0B | ||
| Q1 24 | $1.5B | $2.2B |
股东权益AFGRPM
| Q4 25 | $4.8B | $3.1B | ||
| Q3 25 | $4.7B | $3.1B | ||
| Q2 25 | $4.5B | $2.9B | ||
| Q1 25 | $4.4B | $2.7B | ||
| Q4 24 | $4.5B | $2.7B | ||
| Q3 24 | $4.7B | $2.6B | ||
| Q2 24 | $4.4B | $2.5B | ||
| Q1 24 | $4.2B | $2.3B |
总资产AFGRPM
| Q4 25 | $32.6B | $7.9B | ||
| Q3 25 | $33.8B | $7.9B | ||
| Q2 25 | $30.7B | $7.8B | ||
| Q1 25 | $30.3B | $6.6B | ||
| Q4 24 | $30.8B | $6.7B | ||
| Q3 24 | $32.6B | $6.6B | ||
| Q2 24 | $29.9B | $6.6B | ||
| Q1 24 | $30.0B | $6.4B |
负债/权益比AFGRPM
| Q4 25 | 0.38× | 0.80× | ||
| Q3 25 | 0.38× | 0.87× | ||
| Q2 25 | 0.33× | 0.91× | ||
| Q1 25 | 0.34× | 0.78× | ||
| Q4 24 | 0.33× | 0.74× | ||
| Q3 24 | 0.31× | 0.77× | ||
| Q2 24 | 0.34× | 0.79× | ||
| Q1 24 | 0.35× | 0.93× |
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 | $345.7M |
| 自由现金流经营现金流 - 资本支出 | — | $296.4M |
| 自由现金流率自由现金流/营收 | — | 15.5% |
| 资本支出强度资本支出/营收 | — | 2.6% |
| 现金转化率经营现金流/净利润 | 2.62× | 2.14× |
| 过去12个月自由现金流最近4个季度 | — | $582.9M |
8季度趋势，按日历期对齐
经营现金流AFGRPM
| Q4 25 | $784.0M | $345.7M | ||
| Q3 25 | $216.0M | $237.5M | ||
| Q2 25 | $191.0M | $149.2M | ||
| Q1 25 | $342.0M | $91.5M | ||
| Q4 24 | $674.0M | $279.4M | ||
| Q3 24 | $459.0M | $248.1M | ||
| Q2 24 | $-88.0M | $181.2M | ||
| Q1 24 | $107.0M | $173.4M |
自由现金流AFGRPM
| Q4 25 | — | $296.4M | ||
| Q3 25 | — | $175.0M | ||
| Q2 25 | — | $78.2M | ||
| Q1 25 | — | $33.3M | ||
| Q4 24 | — | $229.5M | ||
| Q3 24 | — | $197.3M | ||
| Q2 24 | — | $105.3M | ||
| Q1 24 | — | $124.6M |
自由现金流率AFGRPM
| Q4 25 | — | 15.5% | ||
| Q3 25 | — | 8.3% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | 2.3% | ||
| Q4 24 | — | 12.4% | ||
| Q3 24 | — | 10.0% | ||
| Q2 24 | — | 5.2% | ||
| Q1 24 | — | 8.2% |
资本支出强度AFGRPM
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 3.0% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 3.9% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 3.8% | ||
| Q1 24 | — | 3.2% |
现金转化率AFGRPM
| Q4 25 | 2.62× | 2.14× | ||
| Q3 25 | 1.00× | 1.04× | ||
| Q2 25 | 1.10× | 0.66× | ||
| Q1 25 | 2.22× | 1.76× | ||
| Q4 24 | 2.64× | 1.53× | ||
| Q3 24 | 2.54× | 1.09× | ||
| Q2 24 | -0.42× | 1.00× | ||
| Q1 24 | 0.44× | 2.83× |
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% |
RPM
| Construction Products Group Segment | $737.4M | 39% |
| Consumer Segment | $638.6M | 33% |
| Performance Coatings Group Segment | $533.8M | 28% |
