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西联汇款（AFG）与RXO, Inc.（RXO）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RXO, Inc.的1.4倍（$2.1B vs $1.5B），西联汇款净利率更高（14.5% vs -3.1%，领先17.6%），西联汇款同比增速更快（-4.0% vs -11.9%），过去两年RXO, Inc.的营收复合增速更高（26.8% 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。
RXO是总部位于美国的头部运输及物流解决方案供应商，核心业务覆盖货运经纪、大件商品最后一公里配送、运输管理服务与全链路供应链优化支持，主要服务北美制造业、零售业及电商领域的客户。
AFG vs RXO — 直观对比
营收规模更大
AFG
是对方的1.4倍
$1.5B
营收增速更快
AFG
高出7.9%
-11.9%
净利率更高
AFG
高出17.6%
-3.1%
两年增速更快
RXO
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.5B |
| 净利润 | $299.0M | $-46.0M |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | -2.9% |
| 净利率 | 14.5% | -3.1% |
| 营收同比 | -4.0% | -11.9% |
| 净利润同比 | 17.3% | -84.0% |
| 每股收益（稀释后） | $3.59 | $-0.28 |
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AFGRXO
| Q4 25 | $2.1B | $1.5B | ||
| Q3 25 | $2.3B | $1.4B | ||
| Q2 25 | $1.9B | $1.4B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $2.1B | $1.7B | ||
| Q3 24 | $2.4B | $1.0B | ||
| Q2 24 | $1.9B | $930.0M | ||
| Q1 24 | $1.9B | $913.0M |
净利润AFGRXO
| Q4 25 | $299.0M | $-46.0M | ||
| Q3 25 | $215.0M | $-14.0M | ||
| Q2 25 | $174.0M | $-9.0M | ||
| Q1 25 | $154.0M | $-31.0M | ||
| Q4 24 | $255.0M | $-25.0M | ||
| Q3 24 | $181.0M | $-243.0M | ||
| Q2 24 | $209.0M | $-7.0M | ||
| Q1 24 | $242.0M | $-15.0M |
营业利润率AFGRXO
| Q4 25 | 18.4% | -2.9% | ||
| Q3 25 | 11.5% | -0.5% | ||
| Q2 25 | 11.9% | — | ||
| Q1 25 | 10.6% | -2.1% | ||
| Q4 24 | 14.9% | -1.4% | ||
| Q3 24 | 9.7% | -1.9% | ||
| Q2 24 | 14.3% | — | ||
| Q1 24 | 15.9% | -1.3% |
净利率AFGRXO
| Q4 25 | 14.5% | -3.1% | ||
| Q3 25 | 9.2% | -1.0% | ||
| Q2 25 | 9.0% | -0.6% | ||
| Q1 25 | 8.3% | -2.2% | ||
| Q4 24 | 11.9% | -1.5% | ||
| Q3 24 | 7.6% | -23.4% | ||
| Q2 24 | 11.0% | -0.8% | ||
| Q1 24 | 12.7% | -1.6% |
每股收益（稀释后）AFGRXO
| Q4 25 | $3.59 | $-0.28 | ||
| Q3 25 | $2.58 | $-0.08 | ||
| Q2 25 | $2.07 | $-0.05 | ||
| Q1 25 | $1.84 | $-0.18 | ||
| Q4 24 | $3.03 | $-0.17 | ||
| Q3 24 | $2.16 | $-1.81 | ||
| Q2 24 | $2.49 | $-0.06 | ||
| Q1 24 | $2.89 | $-0.13 |
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 | $17.0M |
| 总债务越低越好 | $1.8B | $387.0M |
| 股东权益账面价值 | $4.8B | $1.5B |
| 总资产 | $32.6B | $3.3B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资AFGRXO
| Q4 25 | $1.7B | $17.0M | ||
| Q3 25 | $1.8B | $25.0M | ||
| Q2 25 | $1.3B | $18.0M | ||
| Q1 25 | $1.3B | $16.0M | ||
| Q4 24 | $1.4B | $35.0M | ||
| Q3 24 | $1.3B | $55.0M | ||
| Q2 24 | $1.1B | $7.0M | ||
| Q1 24 | $1.1B | $7.0M |
总债务AFGRXO
| Q4 25 | $1.8B | $387.0M | ||
| Q3 25 | $1.8B | $387.0M | ||
| Q2 25 | $1.5B | $387.0M | ||
| Q1 25 | $1.5B | $387.0M | ||
| Q4 24 | $1.5B | $351.0M | ||
| Q3 24 | $1.5B | $352.0M | ||
| Q2 24 | $1.5B | $370.0M | ||
| Q1 24 | $1.5B | $351.0M |
股东权益AFGRXO
| Q4 25 | $4.8B | $1.5B | ||
| Q3 25 | $4.7B | $1.6B | ||
| Q2 25 | $4.5B | $1.6B | ||
| Q1 25 | $4.4B | $1.6B | ||
| Q4 24 | $4.5B | $1.6B | ||
| Q3 24 | $4.7B | $1.7B | ||
| Q2 24 | $4.4B | $579.0M | ||
| Q1 24 | $4.2B | $582.0M |
总资产AFGRXO
| Q4 25 | $32.6B | $3.3B | ||
| Q3 25 | $33.8B | $3.2B | ||
| Q2 25 | $30.7B | $3.2B | ||
| Q1 25 | $30.3B | $3.3B | ||
| Q4 24 | $30.8B | $3.4B | ||
| Q3 24 | $32.6B | $3.4B | ||
| Q2 24 | $29.9B | $1.8B | ||
| Q1 24 | $30.0B | $1.8B |
负债/权益比AFGRXO
| Q4 25 | 0.38× | 0.25× | ||
| Q3 25 | 0.38× | 0.24× | ||
| Q2 25 | 0.33× | 0.24× | ||
| Q1 25 | 0.34× | 0.24× | ||
| Q4 24 | 0.33× | 0.22× | ||
| Q3 24 | 0.31× | 0.21× | ||
| Q2 24 | 0.34× | 0.64× | ||
| Q1 24 | 0.35× | 0.60× |
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 | $7.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-9.0M |
| 自由现金流率自由现金流/营收 | — | -0.6% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 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 | — | $-8.0M |
8季度趋势，按日历期对齐
经营现金流AFGRXO
| Q4 25 | $784.0M | $7.0M | ||
| Q3 25 | $216.0M | $23.0M | ||
| Q2 25 | $191.0M | $23.0M | ||
| Q1 25 | $342.0M | $-2.0M | ||
| Q4 24 | $674.0M | $-7.0M | ||
| Q3 24 | $459.0M | $-7.0M | ||
| Q2 24 | $-88.0M | $-5.0M | ||
| Q1 24 | $107.0M | $7.0M |
自由现金流AFGRXO
| Q4 25 | — | $-9.0M | ||
| Q3 25 | — | $9.0M | ||
| Q2 25 | — | $9.0M | ||
| Q1 25 | — | $-17.0M | ||
| Q4 24 | — | $-19.0M | ||
| Q3 24 | — | $-18.0M | ||
| Q2 24 | — | $-16.0M | ||
| Q1 24 | — | $-4.0M |
自由现金流率AFGRXO
| Q4 25 | — | -0.6% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | -1.2% | ||
| Q4 24 | — | -1.1% | ||
| Q3 24 | — | -1.7% | ||
| Q2 24 | — | -1.7% | ||
| Q1 24 | — | -0.4% |
资本支出强度AFGRXO
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.2% |
现金转化率AFGRXO
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | — | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 2.22× | — | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | — | ||
| Q2 24 | -0.42× | — | ||
| Q1 24 | 0.44× | — |
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% |
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
