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西联汇款（AFG）与史丹利百得（SWK）财务数据对比。点击上方公司名可切换其他公司
史丹利百得的季度营收约是西联汇款的1.8倍（$3.8B vs $2.1B），西联汇款净利率更高（14.5% vs 1.4%，领先13.1%），史丹利百得同比增速更快（0.1% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs 0.3%）
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。
史丹利百得是美国知名的工业工具、家用五金产品制造商，同时提供安防类产品，前身为史丹利工具有限公司，由史丹利与百得于2010年3月12日合并而来，总部位于康涅狄格州大哈特福德地区的新不列颠市。
AFG vs SWK — 直观对比
营收规模更大
SWK
是对方的1.8倍
$2.1B
营收增速更快
SWK
高出4.1%
-4.0%
净利率更高
AFG
高出13.1%
1.4%
两年增速更快
AFG
近两年复合增速
0.3%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $3.8B |
| 净利润 | $299.0M | $51.4M |
| 毛利率 | — | 31.4% |
| 营业利润率 | 18.4% | — |
| 净利率 | 14.5% | 1.4% |
| 营收同比 | -4.0% | 0.1% |
| 净利润同比 | 17.3% | -43.6% |
| 每股收益（稀释后） | $3.59 | $0.34 |
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AFGSWK
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.3B | $3.8B | ||
| Q2 25 | $1.9B | $3.9B | ||
| Q1 25 | $1.9B | $3.7B | ||
| Q4 24 | $2.1B | $3.7B | ||
| Q3 24 | $2.4B | $3.8B | ||
| Q2 24 | $1.9B | $4.0B | ||
| Q1 24 | $1.9B | $3.9B |
净利润AFGSWK
| Q4 25 | $299.0M | — | ||
| Q3 25 | $215.0M | $51.4M | ||
| Q2 25 | $174.0M | $101.9M | ||
| Q1 25 | $154.0M | $90.4M | ||
| Q4 24 | $255.0M | $194.9M | ||
| Q3 24 | $181.0M | $91.1M | ||
| Q2 24 | $209.0M | $-11.2M | ||
| Q1 24 | $242.0M | $19.5M |
毛利率AFGSWK
| Q4 25 | — | — | ||
| Q3 25 | — | 31.4% | ||
| Q2 25 | — | 27.0% | ||
| Q1 25 | — | 29.9% | ||
| Q4 24 | — | 30.8% | ||
| Q3 24 | — | 29.9% | ||
| Q2 24 | — | 28.4% | ||
| Q1 24 | — | 28.6% |
营业利润率AFGSWK
| Q4 25 | 18.4% | — | ||
| Q3 25 | 11.5% | — | ||
| Q2 25 | 11.9% | — | ||
| Q1 25 | 10.6% | — | ||
| Q4 24 | 14.9% | 3.4% | ||
| Q3 24 | 9.7% | 10.6% | ||
| Q2 24 | 14.3% | 9.5% | ||
| Q1 24 | 15.9% | 8.3% |
净利率AFGSWK
| Q4 25 | 14.5% | — | ||
| Q3 25 | 9.2% | 1.4% | ||
| Q2 25 | 9.0% | 2.6% | ||
| Q1 25 | 8.3% | 2.4% | ||
| Q4 24 | 11.9% | 5.2% | ||
| Q3 24 | 7.6% | 2.4% | ||
| Q2 24 | 11.0% | -0.3% | ||
| Q1 24 | 12.7% | 0.5% |
每股收益（稀释后）AFGSWK
| Q4 25 | $3.59 | — | ||
| Q3 25 | $2.58 | $0.34 | ||
| Q2 25 | $2.07 | $0.67 | ||
| Q1 25 | $1.84 | $0.60 | ||
| Q4 24 | $3.03 | $1.29 | ||
| Q3 24 | $2.16 | $0.60 | ||
| Q2 24 | $2.49 | $-0.07 | ||
| 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 | $268.3M |
| 总债务越低越好 | $1.8B | $5.3B |
| 股东权益账面价值 | $4.8B | $9.0B |
| 总资产 | $32.6B | $21.8B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.59× |
8季度趋势，按日历期对齐
现金及短期投资AFGSWK
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.8B | $268.3M | ||
| Q2 25 | $1.3B | $311.8M | ||
| Q1 25 | $1.3B | $344.8M | ||
| Q4 24 | $1.4B | $290.5M | ||
| Q3 24 | $1.3B | $298.7M | ||
| Q2 24 | $1.1B | $318.5M | ||
| Q1 24 | $1.1B | $476.6M |
总债务AFGSWK
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.8B | $5.3B | ||
| Q2 25 | $1.5B | $5.6B | ||
| Q1 25 | $1.5B | $5.6B | ||
| Q4 24 | $1.5B | $6.1B | ||
| Q3 24 | $1.5B | $6.1B | ||
| Q2 24 | $1.5B | $6.1B | ||
| Q1 24 | $1.5B | $6.1B |
股东权益AFGSWK
| Q4 25 | $4.8B | — | ||
| Q3 25 | $4.7B | $9.0B | ||
| Q2 25 | $4.5B | $9.1B | ||
| Q1 25 | $4.4B | $8.8B | ||
| Q4 24 | $4.5B | $8.7B | ||
| Q3 24 | $4.7B | $8.9B | ||
| Q2 24 | $4.4B | $8.7B | ||
| Q1 24 | $4.2B | $8.9B |
总资产AFGSWK
| Q4 25 | $32.6B | — | ||
| Q3 25 | $33.8B | $21.8B | ||
| Q2 25 | $30.7B | $22.5B | ||
| Q1 25 | $30.3B | $22.5B | ||
| Q4 24 | $30.8B | $21.8B | ||
| Q3 24 | $32.6B | $22.5B | ||
| Q2 24 | $29.9B | $22.5B | ||
| Q1 24 | $30.0B | $23.9B |
负债/权益比AFGSWK
| Q4 25 | 0.38× | — | ||
| Q3 25 | 0.38× | 0.59× | ||
| Q2 25 | 0.33× | 0.62× | ||
| Q1 25 | 0.34× | 0.63× | ||
| Q4 24 | 0.33× | 0.70× | ||
| Q3 24 | 0.31× | 0.69× | ||
| Q2 24 | 0.34× | 0.70× | ||
| Q1 24 | 0.35× | 0.69× |
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 | $221.2M |
| 自由现金流经营现金流 - 资本支出 | — | $155.3M |
| 自由现金流率自由现金流/营收 | — | 4.1% |
| 资本支出强度资本支出/营收 | — | 1.8% |
| 现金转化率经营现金流/净利润 | 2.62× | 4.30× |
| 过去12个月自由现金流最近4个季度 | — | $369.6M |
8季度趋势，按日历期对齐
经营现金流AFGSWK
| Q4 25 | $784.0M | — | ||
| Q3 25 | $216.0M | $221.2M | ||
| Q2 25 | $191.0M | $214.3M | ||
| Q1 25 | $342.0M | $-420.0M | ||
| Q4 24 | $674.0M | $679.1M | ||
| Q3 24 | $459.0M | $285.8M | ||
| Q2 24 | $-88.0M | $573.0M | ||
| Q1 24 | $107.0M | $-431.0M |
自由现金流AFGSWK
| Q4 25 | — | — | ||
| Q3 25 | — | $155.3M | ||
| Q2 25 | — | $134.7M | ||
| Q1 25 | — | $-485.0M | ||
| Q4 24 | — | $564.6M | ||
| Q3 24 | — | $199.3M | ||
| Q2 24 | — | $485.8M | ||
| Q1 24 | — | $-496.7M |
自由现金流率AFGSWK
| Q4 25 | — | — | ||
| Q3 25 | — | 4.1% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | -13.0% | ||
| Q4 24 | — | 15.2% | ||
| Q3 24 | — | 5.3% | ||
| Q2 24 | — | 12.1% | ||
| Q1 24 | — | -12.8% |
资本支出强度AFGSWK
| Q4 25 | — | — | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | 1.7% |
现金转化率AFGSWK
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | 4.30× | ||
| Q2 25 | 1.10× | 2.10× | ||
| Q1 25 | 2.22× | -4.65× | ||
| Q4 24 | 2.64× | 3.48× | ||
| Q3 24 | 2.54× | 3.14× | ||
| Q2 24 | -0.42× | — | ||
| Q1 24 | 0.44× | -22.10× |
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% |
SWK
| Tools And Outdoor Segment | $3.3B | 87% |
| Engineered Fastening Segment | $500.5M | 13% |
