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西联汇款（AFG）与联合果品公司（UFCS）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联合果品公司的5.6倍（$2.1B vs $365.8M）。联合果品公司同比增速更快（9.8% vs -4.0%）。过去两年联合果品公司的营收复合增速更高（11.2% 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。
联合果品公司是一家美国跨国企业，主营在拉丁美洲种植园种植的热带水果贸易，产品销往美国与欧洲。公司1899年由波士顿果品公司与迈纳·C·基思的香蕉贸易企业合并成立，在20世纪上半叶发展蓬勃，掌控了中美洲、哥伦比亚加勒比海岸及西印度群岛的大片领地与运输网络。
AFG vs UFCS — 直观对比
营收规模更大
AFG
是对方的5.6倍
$365.8M
营收增速更快
UFCS
高出13.8%
-4.0%
两年增速更快
UFCS
近两年复合增速
4.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $365.8M |
| 净利润 | $299.0M | — |
| 毛利率 | — | — |
| 营业利润率 | 18.4% | 13.2% |
| 净利率 | 14.5% | — |
| 营收同比 | -4.0% | 9.8% |
| 净利润同比 | 17.3% | — |
| 每股收益（稀释后） | $3.59 | $1.45 |
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AFGUFCS
| Q4 25 | $2.1B | $365.8M | ||
| Q3 25 | $2.3B | $354.0M | ||
| Q2 25 | $1.9B | $335.5M | ||
| Q1 25 | $1.9B | $331.1M | ||
| Q4 24 | $2.1B | $333.2M | ||
| Q3 24 | $2.4B | $323.0M | ||
| Q2 24 | $1.9B | $301.2M | ||
| Q1 24 | $1.9B | $296.0M |
净利润AFGUFCS
| Q4 25 | $299.0M | — | ||
| Q3 25 | $215.0M | $39.2M | ||
| Q2 25 | $174.0M | $22.9M | ||
| Q1 25 | $154.0M | $17.7M | ||
| Q4 24 | $255.0M | — | ||
| Q3 24 | $181.0M | $19.7M | ||
| Q2 24 | $209.0M | $-2.7M | ||
| Q1 24 | $242.0M | $13.5M |
营业利润率AFGUFCS
| Q4 25 | 18.4% | 13.2% | ||
| Q3 25 | 11.5% | 13.7% | ||
| Q2 25 | 11.9% | 8.7% | ||
| Q1 25 | 10.6% | 6.6% | ||
| Q4 24 | 14.9% | 11.9% | ||
| Q3 24 | 9.7% | 7.7% | ||
| Q2 24 | 14.3% | -1.3% | ||
| Q1 24 | 15.9% | 5.5% |
净利率AFGUFCS
| Q4 25 | 14.5% | — | ||
| Q3 25 | 9.2% | 11.1% | ||
| Q2 25 | 9.0% | 6.8% | ||
| Q1 25 | 8.3% | 5.3% | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 7.6% | 6.1% | ||
| Q2 24 | 11.0% | -0.9% | ||
| Q1 24 | 12.7% | 4.6% |
每股收益（稀释后）AFGUFCS
| Q4 25 | $3.59 | $1.45 | ||
| Q3 25 | $2.58 | $1.49 | ||
| Q2 25 | $2.07 | $0.87 | ||
| Q1 25 | $1.84 | $0.67 | ||
| Q4 24 | $3.03 | $1.22 | ||
| Q3 24 | $2.16 | $0.76 | ||
| Q2 24 | $2.49 | $-0.11 | ||
| Q1 24 | $2.89 | $0.52 |
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 | $156.3M |
| 总债务越低越好 | $1.8B | — |
| 股东权益账面价值 | $4.8B | $941.2M |
| 总资产 | $32.6B | $3.8B |
| 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AFGUFCS
| Q4 25 | $1.7B | $156.3M | ||
| Q3 25 | $1.8B | $233.7M | ||
| Q2 25 | $1.3B | $202.1M | ||
| Q1 25 | $1.3B | $183.7M | ||
| Q4 24 | $1.4B | $200.9M | ||
| Q3 24 | $1.3B | $197.4M | ||
| Q2 24 | $1.1B | $153.4M | ||
| Q1 24 | $1.1B | $217.8M |
总债务AFGUFCS
| 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AFGUFCS
| Q4 25 | $4.8B | $941.2M | ||
| Q3 25 | $4.7B | $898.7M | ||
| Q2 25 | $4.5B | $845.7M | ||
| Q1 25 | $4.4B | $817.7M | ||
| Q4 24 | $4.5B | $781.5M | ||
| Q3 24 | $4.7B | $785.8M | ||
| Q2 24 | $4.4B | $726.6M | ||
| Q1 24 | $4.2B | $736.8M |
总资产AFGUFCS
| Q4 25 | $32.6B | $3.8B | ||
| Q3 25 | $33.8B | $3.8B | ||
| Q2 25 | $30.7B | $3.7B | ||
| Q1 25 | $30.3B | $3.5B | ||
| Q4 24 | $30.8B | $3.5B | ||
| Q3 24 | $32.6B | $3.5B | ||
| Q2 24 | $29.9B | $3.4B | ||
| Q1 24 | $30.0B | $3.2B |
负债/权益比AFGUFCS
| 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 | $119.8M |
| 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× | — |
| 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AFGUFCS
| Q4 25 | $784.0M | $119.8M | ||
| Q3 25 | $216.0M | $60.8M | ||
| Q2 25 | $191.0M | $53.4M | ||
| Q1 25 | $342.0M | $35.7M | ||
| Q4 24 | $674.0M | $156.3M | ||
| Q3 24 | $459.0M | $56.5M | ||
| Q2 24 | $-88.0M | $91.3M | ||
| Q1 24 | $107.0M | $36.2M |
现金转化率AFGUFCS
| Q4 25 | 2.62× | — | ||
| Q3 25 | 1.00× | 1.55× | ||
| Q2 25 | 1.10× | 2.33× | ||
| Q1 25 | 2.22× | 2.02× | ||
| Q4 24 | 2.64× | — | ||
| Q3 24 | 2.54× | 2.86× | ||
| Q2 24 | -0.42× | — | ||
| Q1 24 | 0.44× | 2.68× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
