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西联汇款（AFG）与SONIC AUTOMOTIVE INC（SAH）财务数据对比。点击上方公司名可切换其他公司
SONIC AUTOMOTIVE INC的季度营收约是西联汇款的1.9倍（$3.9B vs $2.1B），西联汇款净利率更高（14.5% vs 1.2%，领先13.3%），SONIC AUTOMOTIVE INC同比增速更快（-0.6% vs -4.0%），过去两年SONIC AUTOMOTIVE INC的营收复合增速更高（7.0% 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。
Sonic Automotive是财富世界500强企业，总部位于北卡罗来纳州夏洛特，按营收计算是美国第五大汽车零售商。公司由O·布鲁顿·史密斯创立，1997年在纽约证券交易所完成首次公开募股。
AFG vs SAH — 直观对比
营收规模更大
SAH
是对方的1.9倍
$2.1B
营收增速更快
SAH
高出3.4%
-4.0%
净利率更高
AFG
高出13.3%
1.2%
两年增速更快
SAH
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $3.9B |
| 净利润 | $299.0M | $46.9M |
| 毛利率 | — | 15.5% |
| 营业利润率 | 18.4% | 3.2% |
| 净利率 | 14.5% | 1.2% |
| 营收同比 | -4.0% | -0.6% |
| 净利润同比 | 17.3% | -20.0% |
| 每股收益（稀释后） | $3.59 | $1.39 |
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AFGSAH
| Q4 25 | $2.1B | $3.9B | ||
| Q3 25 | $2.3B | $4.0B | ||
| Q2 25 | $1.9B | $3.7B | ||
| Q1 25 | $1.9B | $3.7B | ||
| Q4 24 | $2.1B | $3.9B | ||
| Q3 24 | $2.4B | $3.5B | ||
| Q2 24 | $1.9B | $3.5B | ||
| Q1 24 | $1.9B | $3.4B |
净利润AFGSAH
| Q4 25 | $299.0M | $46.9M | ||
| Q3 25 | $215.0M | $46.8M | ||
| Q2 25 | $174.0M | $-45.6M | ||
| Q1 25 | $154.0M | $70.6M | ||
| Q4 24 | $255.0M | $58.6M | ||
| Q3 24 | $181.0M | $74.2M | ||
| Q2 24 | $209.0M | $41.2M | ||
| Q1 24 | $242.0M | $42.0M |
毛利率AFGSAH
| Q4 25 | — | 15.5% | ||
| Q3 25 | — | 15.5% | ||
| Q2 25 | — | 16.5% | ||
| Q1 25 | — | 15.5% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 15.6% | ||
| Q2 24 | — | 15.6% | ||
| Q1 24 | — | 15.8% |
营业利润率AFGSAH
| Q4 25 | 18.4% | 3.2% | ||
| Q3 25 | 11.5% | 3.1% | ||
| Q2 25 | 11.9% | -0.6% | ||
| Q1 25 | 10.6% | 4.0% | ||
| Q4 24 | 14.9% | 3.4% | ||
| Q3 24 | 9.7% | 3.3% | ||
| Q2 24 | 14.3% | 3.1% | ||
| Q1 24 | 15.9% | 3.2% |
净利率AFGSAH
| Q4 25 | 14.5% | 1.2% | ||
| Q3 25 | 9.2% | 1.2% | ||
| Q2 25 | 9.0% | -1.2% | ||
| Q1 25 | 8.3% | 1.9% | ||
| Q4 24 | 11.9% | 1.5% | ||
| Q3 24 | 7.6% | 2.1% | ||
| Q2 24 | 11.0% | 1.2% | ||
| Q1 24 | 12.7% | 1.2% |
每股收益（稀释后）AFGSAH
| Q4 25 | $3.59 | $1.39 | ||
| Q3 25 | $2.58 | $1.33 | ||
| Q2 25 | $2.07 | $-1.34 | ||
| Q1 25 | $1.84 | $2.04 | ||
| Q4 24 | $3.03 | $1.67 | ||
| Q3 24 | $2.16 | $2.13 | ||
| Q2 24 | $2.49 | $1.18 | ||
| Q1 24 | $2.89 | $1.20 |
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 | $6.3M |
| 总债务越低越好 | $1.8B | $1.6B |
| 股东权益账面价值 | $4.8B | $1.1B |
| 总资产 | $32.6B | $6.0B |
| 负债/权益比越低杠杆越低 | 0.38× | 1.51× |
8季度趋势，按日历期对齐
现金及短期投资AFGSAH
| Q4 25 | $1.7B | $6.3M | ||
| Q3 25 | $1.8B | $89.4M | ||
| Q2 25 | $1.3B | $110.4M | ||
| Q1 25 | $1.3B | $64.6M | ||
| Q4 24 | $1.4B | $44.0M | ||
| Q3 24 | $1.3B | $17.6M | ||
| Q2 24 | $1.1B | $67.2M | ||
| Q1 24 | $1.1B | $15.1M |
总债务AFGSAH
| Q4 25 | $1.8B | $1.6B | ||
| Q3 25 | $1.8B | $1.5B | ||
| Q2 25 | $1.5B | $1.5B | ||
| Q1 25 | $1.5B | $1.6B | ||
| Q4 24 | $1.5B | $1.6B | ||
| Q3 24 | $1.5B | $1.7B | ||
| Q2 24 | $1.5B | $1.7B | ||
| Q1 24 | $1.5B | $1.7B |
股东权益AFGSAH
| Q4 25 | $4.8B | $1.1B | ||
| Q3 25 | $4.7B | $1.1B | ||
| Q2 25 | $4.5B | $1.0B | ||
| Q1 25 | $4.4B | $1.1B | ||
| Q4 24 | $4.5B | $1.1B | ||
| Q3 24 | $4.7B | $1.0B | ||
| Q2 24 | $4.4B | $944.7M | ||
| Q1 24 | $4.2B | $904.4M |
总资产AFGSAH
| Q4 25 | $32.6B | $6.0B | ||
| Q3 25 | $33.8B | $6.0B | ||
| Q2 25 | $30.7B | $5.9B | ||
| Q1 25 | $30.3B | $5.9B | ||
| Q4 24 | $30.8B | $5.9B | ||
| Q3 24 | $32.6B | $5.8B | ||
| Q2 24 | $29.9B | $5.8B | ||
| Q1 24 | $30.0B | $5.4B |
负债/权益比AFGSAH
| Q4 25 | 0.38× | 1.51× | ||
| Q3 25 | 0.38× | 1.39× | ||
| Q2 25 | 0.33× | 1.48× | ||
| Q1 25 | 0.34× | 1.44× | ||
| Q4 24 | 0.33× | 1.49× | ||
| Q3 24 | 0.31× | 1.67× | ||
| Q2 24 | 0.34× | 1.81× | ||
| Q1 24 | 0.35× | 1.83× |
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 | $66.9M |
| 自由现金流经营现金流 - 资本支出 | — | $-195.6M |
| 自由现金流率自由现金流/营收 | — | -5.1% |
| 资本支出强度资本支出/营收 | — | 6.8% |
| 现金转化率经营现金流/净利润 | 2.62× | 1.43× |
| 过去12个月自由现金流最近4个季度 | — | $192.3M |
8季度趋势，按日历期对齐
经营现金流AFGSAH
| Q4 25 | $784.0M | $66.9M | ||
| Q3 25 | $216.0M | $167.9M | ||
| Q2 25 | $191.0M | $136.8M | ||
| Q1 25 | $342.0M | $195.8M | ||
| Q4 24 | $674.0M | $87.7M | ||
| Q3 24 | $459.0M | $87.8M | ||
| Q2 24 | $-88.0M | $-136.4M | ||
| Q1 24 | $107.0M | $70.1M |
自由现金流AFGSAH
| Q4 25 | — | $-195.6M | ||
| Q3 25 | — | $134.4M | ||
| Q2 25 | — | $102.7M | ||
| Q1 25 | — | $150.8M | ||
| Q4 24 | — | $-245.5M | ||
| Q3 24 | — | $34.5M | ||
| Q2 24 | — | $-185.2M | ||
| Q1 24 | — | $26.3M |
自由现金流率AFGSAH
| Q4 25 | — | -5.1% | ||
| Q3 25 | — | 3.4% | ||
| Q2 25 | — | 2.8% | ||
| Q1 25 | — | 4.1% | ||
| Q4 24 | — | -6.3% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | -5.4% | ||
| Q1 24 | — | 0.8% |
资本支出强度AFGSAH
| Q4 25 | — | 6.8% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 8.6% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.3% |
现金转化率AFGSAH
| Q4 25 | 2.62× | 1.43× | ||
| Q3 25 | 1.00× | 3.59× | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 2.22× | 2.77× | ||
| Q4 24 | 2.64× | 1.50× | ||
| Q3 24 | 2.54× | 1.18× | ||
| Q2 24 | -0.42× | -3.31× | ||
| Q1 24 | 0.44× | 1.67× |
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% |
SAH
| Retail New Vehicles | $1.9B | 48% |
| Other | $1.2B | 31% |
| Parts Serviceand Collision Repair | $515.2M | 13% |
| Finance Insurance And Other Net | $202.2M | 5% |
| Wholesale Vehicles | $63.9M | 2% |
| Fleet New Vehicles | $24.0M | 1% |
