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西联汇款（AFG）与旅行者集团（TRV）财务数据对比。点击上方公司名可切换其他公司
旅行者集团的季度营收约是西联汇款的6.0倍（$12.4B vs $2.1B）。旅行者集团净利率更高（20.1% vs 14.5%，领先5.6%）。旅行者集团同比增速更快（3.5% vs -4.0%）。过去两年旅行者集团的营收复合增速更高（5.2% 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。
旅行者集团是美国跨国保险企业，为美国第二大商业财产及意外伤害保险承保商，同时是美国第六大通过独立代理人展业的个人保险提供商。公司注册地为明尼苏达州，总部设于纽约市，最大办事处在康涅狄格州哈特福德，2009年6月8日起成为道琼斯工业平均指数成分股。
AFG vs TRV — 直观对比
营收规模更大
TRV
是对方的6.0倍
$2.1B
营收增速更快
TRV
高出7.5%
-4.0%
净利率更高
TRV
高出5.6%
14.5%
两年增速更快
TRV
近两年复合增速
4.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $12.4B |
| 净利润 | $299.0M | $2.5B |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 25.0% |
| 净利率 | 14.5% | 20.1% |
| 营收同比 | -4.0% | 3.5% |
| 净利润同比 | 17.3% | 19.9% |
| 每股收益（稀释后） | $3.59 | $10.96 |
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AFGTRV
| Q4 25 | $2.1B | $12.4B | ||
| Q3 25 | $2.3B | $12.5B | ||
| Q2 25 | $1.9B | $12.1B | ||
| Q1 25 | $1.9B | $11.8B | ||
| Q4 24 | $2.1B | $12.0B | ||
| Q3 24 | $2.4B | $11.9B | ||
| Q2 24 | $1.9B | $11.3B | ||
| Q1 24 | $1.9B | $11.2B |
净利润AFGTRV
| Q4 25 | $299.0M | $2.5B | ||
| Q3 25 | $215.0M | $1.9B | ||
| Q2 25 | $174.0M | $1.5B | ||
| Q1 25 | $154.0M | $395.0M | ||
| Q4 24 | $255.0M | $2.1B | ||
| Q3 24 | $181.0M | $1.3B | ||
| Q2 24 | $209.0M | $534.0M | ||
| Q1 24 | $242.0M | $1.1B |
营业利润率AFGTRV
| Q4 25 | 18.4% | 25.0% | ||
| Q3 25 | 11.5% | 18.8% | ||
| Q2 25 | 11.9% | 15.5% | ||
| Q1 25 | 10.6% | 4.0% | ||
| Q4 24 | 14.9% | 21.6% | ||
| Q3 24 | 9.7% | 13.1% | ||
| Q2 24 | 14.3% | 5.8% | ||
| Q1 24 | 15.9% | 12.2% |
净利率AFGTRV
| Q4 25 | 14.5% | 20.1% | ||
| Q3 25 | 9.2% | 15.1% | ||
| Q2 25 | 9.0% | 12.5% | ||
| Q1 25 | 8.3% | 3.3% | ||
| Q4 24 | 11.9% | 17.3% | ||
| Q3 24 | 7.6% | 10.6% | ||
| Q2 24 | 11.0% | 4.7% | ||
| Q1 24 | 12.7% | 10.0% |
每股收益（稀释后）AFGTRV
| Q4 25 | $3.59 | $10.96 | ||
| Q3 25 | $2.58 | $8.24 | ||
| Q2 25 | $2.07 | $6.53 | ||
| Q1 25 | $1.84 | $1.70 | ||
| Q4 24 | $3.03 | $8.96 | ||
| Q3 24 | $2.16 | $5.42 | ||
| Q2 24 | $2.49 | $2.29 | ||
| Q1 24 | $2.89 | $4.80 |
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 | — |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $32.9B |
| 总资产 | $32.6B | $143.7B |
| 负债/权益比越低杠杆越低 | 0.38× | — |
8季度趋势，按日历期对齐
现金及短期投资AFGTRV
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.3B | — | ||
| Q2 24 | $1.1B | — | ||
| Q1 24 | $1.1B | — |
总债务AFGTRV
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
股东权益AFGTRV
| Q4 25 | $4.8B | $32.9B | ||
| Q3 25 | $4.7B | $31.6B | ||
| Q2 25 | $4.5B | $29.5B | ||
| Q1 25 | $4.4B | $28.2B | ||
| Q4 24 | $4.5B | $27.9B | ||
| Q3 24 | $4.7B | $27.7B | ||
| Q2 24 | $4.4B | $24.9B | ||
| Q1 24 | $4.2B | $25.0B |
总资产AFGTRV
| Q4 25 | $32.6B | $143.7B | ||
| Q3 25 | $33.8B | $143.7B | ||
| Q2 25 | $30.7B | $138.9B | ||
| Q1 25 | $30.3B | $136.0B | ||
| Q4 24 | $30.8B | $133.2B | ||
| Q3 24 | $32.6B | $134.6B | ||
| Q2 24 | $29.9B | $129.3B | ||
| Q1 24 | $30.0B | $127.4B |
负债/权益比AFGTRV
| Q4 25 | 0.38× | — | ||
| Q3 25 | 0.38× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.33× | — | ||
| Q3 24 | 0.31× | — | ||
| Q2 24 | 0.34× | — | ||
| Q1 24 | 0.35× | — |
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 | $2.7B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 2.62× | 1.08× |
| 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AFGTRV
| Q4 25 | $784.0M | $2.7B | ||
| Q3 25 | $216.0M | $4.2B | ||
| Q2 25 | $191.0M | $2.3B | ||
| Q1 25 | $342.0M | $1.4B | ||
| Q4 24 | $674.0M | $2.1B | ||
| Q3 24 | $459.0M | $3.9B | ||
| Q2 24 | $-88.0M | $1.7B | ||
| Q1 24 | $107.0M | $1.5B |
现金转化率AFGTRV
| Q4 25 | 2.62× | 1.08× | ||
| Q3 25 | 1.00× | 2.24× | ||
| Q2 25 | 1.10× | 1.55× | ||
| Q1 25 | 2.22× | 3.44× | ||
| Q4 24 | 2.64× | 0.99× | ||
| Q3 24 | 2.54× | 3.08× | ||
| Q2 24 | -0.42× | 3.14× | ||
| Q1 24 | 0.44× | 1.30× |
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
暂无分部数据
TRV
| Business And International Insurance | $6.6B | 53% |
| Personal Insurance | $4.6B | 37% |
| Bond And Specialty Insurance | $1.2B | 9% |
