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西联汇款（AFG）与UFP INDUSTRIES INC（UFPI）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UFP INDUSTRIES INC的1.6倍（$2.1B vs $1.3B），西联汇款净利率更高（14.5% vs 3.0%，领先11.5%），西联汇款同比增速更快（-4.0% vs -9.0%），过去两年西联汇款的营收复合增速更高（4.0% vs -9.9%）
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。
UFP工业是一家控股企业，业务覆盖零售、工业、建筑三大市场，总部位于美国密歇根州大急流城，1993年公开上市，旗下共有218家关联运营主体，面向零售、建筑、包装三大领域供应数万种产品。
AFG vs UFPI — 直观对比
营收规模更大
AFG
是对方的1.6倍
$1.3B
营收增速更快
AFG
高出5.0%
-9.0%
净利率更高
AFG
高出11.5%
3.0%
两年增速更快
AFG
近两年复合增速
-9.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $1.3B |
| 净利润 | $299.0M | $40.0M |
| 毛利率 | — | 16.3% |
| 营业利润率 | 18.4% | 4.4% |
| 净利率 | 14.5% | 3.0% |
| 营收同比 | -4.0% | -9.0% |
| 净利润同比 | 17.3% | -41.3% |
| 每股收益（稀释后） | $3.59 | $0.71 |
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AFGUFPI
| Q4 25 | $2.1B | $1.3B | ||
| Q3 25 | $2.3B | $1.6B | ||
| Q2 25 | $1.9B | $1.8B | ||
| Q1 25 | $1.9B | $1.6B | ||
| Q4 24 | $2.1B | $1.5B | ||
| Q3 24 | $2.4B | $1.6B | ||
| Q2 24 | $1.9B | $1.9B | ||
| Q1 24 | $1.9B | $1.6B |
净利润AFGUFPI
| Q4 25 | $299.0M | $40.0M | ||
| Q3 25 | $215.0M | $75.3M | ||
| Q2 25 | $174.0M | $100.7M | ||
| Q1 25 | $154.0M | $78.8M | ||
| Q4 24 | $255.0M | $68.0M | ||
| Q3 24 | $181.0M | $99.8M | ||
| Q2 24 | $209.0M | $125.9M | ||
| Q1 24 | $242.0M | $120.8M |
毛利率AFGUFPI
| Q4 25 | — | 16.3% | ||
| Q3 25 | — | 16.8% | ||
| Q2 25 | — | 17.0% | ||
| Q1 25 | — | 16.8% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | — | 18.1% | ||
| Q2 24 | — | 19.1% | ||
| Q1 24 | — | 19.9% |
营业利润率AFGUFPI
| Q4 25 | 18.4% | 4.4% | ||
| Q3 25 | 11.5% | 5.7% | ||
| Q2 25 | 11.9% | 6.7% | ||
| Q1 25 | 10.6% | 5.8% | ||
| Q4 24 | 14.9% | 5.4% | ||
| Q3 24 | 9.7% | 7.3% | ||
| Q2 24 | 14.3% | 8.4% | ||
| Q1 24 | 15.9% | 8.2% |
净利率AFGUFPI
| Q4 25 | 14.5% | 3.0% | ||
| Q3 25 | 9.2% | 4.8% | ||
| Q2 25 | 9.0% | 5.5% | ||
| Q1 25 | 8.3% | 4.9% | ||
| Q4 24 | 11.9% | 4.7% | ||
| Q3 24 | 7.6% | 6.1% | ||
| Q2 24 | 11.0% | 6.6% | ||
| Q1 24 | 12.7% | 7.4% |
每股收益（稀释后）AFGUFPI
| Q4 25 | $3.59 | $0.71 | ||
| Q3 25 | $2.58 | $1.29 | ||
| Q2 25 | $2.07 | $1.70 | ||
| Q1 25 | $1.84 | $1.30 | ||
| Q4 24 | $3.03 | $1.12 | ||
| Q3 24 | $2.16 | $1.64 | ||
| Q2 24 | $2.49 | $2.05 | ||
| Q1 24 | $2.89 | $1.96 |
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 | $948.6M |
| 总债务越低越好 | $1.8B | $229.8M |
| 股东权益账面价值 | $4.8B | $3.1B |
| 总资产 | $32.6B | $4.0B |
| 负债/权益比越低杠杆越低 | 0.38× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资AFGUFPI
| Q4 25 | $1.7B | $948.6M | ||
| Q3 25 | $1.8B | $1.0B | ||
| Q2 25 | $1.3B | $874.0M | ||
| Q1 25 | $1.3B | $934.3M | ||
| Q4 24 | $1.4B | $1.2B | ||
| Q3 24 | $1.3B | $1.2B | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.1B | $1.0B |
总债务AFGUFPI
| Q4 25 | $1.8B | $229.8M | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | $234.0M | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.5B | — | ||
| Q1 24 | $1.5B | — |
股东权益AFGUFPI
| Q4 25 | $4.8B | $3.1B | ||
| Q3 25 | $4.7B | $3.2B | ||
| Q2 25 | $4.5B | $3.1B | ||
| Q1 25 | $4.4B | $3.2B | ||
| Q4 24 | $4.5B | $3.2B | ||
| Q3 24 | $4.7B | $3.2B | ||
| Q2 24 | $4.4B | $3.1B | ||
| Q1 24 | $4.2B | $3.1B |
总资产AFGUFPI
| Q4 25 | $32.6B | $4.0B | ||
| Q3 25 | $33.8B | $4.1B | ||
| Q2 25 | $30.7B | $4.1B | ||
| Q1 25 | $30.3B | $4.2B | ||
| Q4 24 | $30.8B | $4.2B | ||
| Q3 24 | $32.6B | $4.2B | ||
| Q2 24 | $29.9B | $4.1B | ||
| Q1 24 | $30.0B | $4.1B |
负债/权益比AFGUFPI
| Q4 25 | 0.38× | 0.08× | ||
| Q3 25 | 0.38× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.33× | 0.07× | ||
| 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 | $146.6M |
| 自由现金流经营现金流 - 资本支出 | — | $82.7M |
| 自由现金流率自由现金流/营收 | — | 6.2% |
| 资本支出强度资本支出/营收 | — | 4.8% |
| 现金转化率经营现金流/净利润 | 2.62× | 3.67× |
| 过去12个月自由现金流最近4个季度 | — | $276.4M |
8季度趋势，按日历期对齐
经营现金流AFGUFPI
| Q4 25 | $784.0M | $146.6M | ||
| Q3 25 | $216.0M | $286.0M | ||
| Q2 25 | $191.0M | $221.9M | ||
| Q1 25 | $342.0M | $-108.8M | ||
| Q4 24 | $674.0M | $144.9M | ||
| Q3 24 | $459.0M | $258.6M | ||
| Q2 24 | $-88.0M | $255.9M | ||
| Q1 24 | $107.0M | $-16.8M |
自由现金流AFGUFPI
| Q4 25 | — | $82.7M | ||
| Q3 25 | — | $210.2M | ||
| Q2 25 | — | $159.5M | ||
| Q1 25 | — | $-176.1M | ||
| Q4 24 | — | $78.1M | ||
| Q3 24 | — | $199.7M | ||
| Q2 24 | — | $198.4M | ||
| Q1 24 | — | $-65.9M |
自由现金流率AFGUFPI
| Q4 25 | — | 6.2% | ||
| Q3 25 | — | 13.5% | ||
| Q2 25 | — | 8.7% | ||
| Q1 25 | — | -11.0% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | — | 10.4% | ||
| Q1 24 | — | -4.0% |
资本支出强度AFGUFPI
| Q4 25 | — | 4.8% | ||
| Q3 25 | — | 4.9% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | 4.6% | ||
| Q3 24 | — | 3.6% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 3.0% |
现金转化率AFGUFPI
| Q4 25 | 2.62× | 3.67× | ||
| Q3 25 | 1.00× | 3.80× | ||
| Q2 25 | 1.10× | 2.20× | ||
| Q1 25 | 2.22× | -1.38× | ||
| Q4 24 | 2.64× | 2.13× | ||
| Q3 24 | 2.54× | 2.59× | ||
| Q2 24 | -0.42× | 2.03× | ||
| Q1 24 | 0.44× | -0.14× |
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% |
UFPI
| Retail Segment | $444.0M | 33% |
| Structural Packaging | $230.2M | 17% |
| Factory Built | $189.7M | 14% |
| Site Built | $152.7M | 11% |
| Palletone Inc | $119.2M | 9% |
| Deckorators | $55.2M | 4% |
| Commercial | $53.2M | 4% |
| Concrete Forming | $44.2M | 3% |
| Transferred Over Time | $29.6M | 2% |
| Protective Packaging | $20.7M | 2% |
