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西联汇款（AFG）与捷迈邦美（ZBH）财务数据对比。点击上方公司名可切换其他公司
捷迈邦美的季度营收约是西联汇款的1.0倍（$2.1B vs $2.1B），西联汇款净利率更高（14.5% vs 11.4%，领先3.1%），捷迈邦美同比增速更快（9.3% vs -4.0%），过去两年西联汇款的营收复合增速更高（4.0% vs 3.7%）
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。
捷迈邦美是一家美国上市的医疗设备企业，1927年成立，最初以生产铝制夹板为核心业务，总部设于印第安纳州华沙市，是当地医疗设备产业集群的核心成员，在全球骨科医疗器械领域拥有较高知名度。
AFG vs ZBH — 直观对比
营收规模更大
ZBH
是对方的1.0倍
$2.1B
营收增速更快
ZBH
高出13.3%
-4.0%
净利率更高
AFG
高出3.1%
11.4%
两年增速更快
AFG
近两年复合增速
3.7%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.1B | $2.1B |
| 净利润 | $299.0M | $238.3M |
| 毛利率 | — | 64.6% |
| 营业利润率 | 18.4% | 17.9% |
| 净利率 | 14.5% | 11.4% |
| 营收同比 | -4.0% | 9.3% |
| 净利润同比 | 17.3% | 30.5% |
| 每股收益（稀释后） | $3.59 | $1.22 |
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AFGZBH
| Q1 26 | — | $2.1B | ||
| Q4 25 | $2.1B | $2.2B | ||
| Q3 25 | $2.3B | $2.0B | ||
| Q2 25 | $1.9B | $2.1B | ||
| Q1 25 | $1.9B | $1.9B | ||
| Q4 24 | $2.1B | $2.0B | ||
| Q3 24 | $2.4B | $1.8B | ||
| Q2 24 | $1.9B | $1.9B |
净利润AFGZBH
| Q1 26 | — | $238.3M | ||
| Q4 25 | $299.0M | $139.4M | ||
| Q3 25 | $215.0M | $230.9M | ||
| Q2 25 | $174.0M | $152.8M | ||
| Q1 25 | $154.0M | $182.0M | ||
| Q4 24 | $255.0M | $239.5M | ||
| Q3 24 | $181.0M | $249.1M | ||
| Q2 24 | $209.0M | $242.8M |
毛利率AFGZBH
| Q1 26 | — | 64.6% | ||
| Q4 25 | — | 64.7% | ||
| Q3 25 | — | 72.1% | ||
| Q2 25 | — | 71.5% | ||
| Q1 25 | — | 71.2% | ||
| Q4 24 | — | 71.0% | ||
| Q3 24 | — | 70.5% | ||
| Q2 24 | — | 71.5% |
营业利润率AFGZBH
| Q1 26 | — | 17.9% | ||
| Q4 25 | 18.4% | 6.9% | ||
| Q3 25 | 11.5% | 17.6% | ||
| Q2 25 | 11.9% | 14.4% | ||
| Q1 25 | 10.6% | 15.3% | ||
| Q4 24 | 14.9% | 19.2% | ||
| Q3 24 | 9.7% | 15.3% | ||
| Q2 24 | 14.3% | 18.1% |
净利率AFGZBH
| Q1 26 | — | 11.4% | ||
| Q4 25 | 14.5% | 6.2% | ||
| Q3 25 | 9.2% | 11.5% | ||
| Q2 25 | 9.0% | 7.4% | ||
| Q1 25 | 8.3% | 9.5% | ||
| Q4 24 | 11.9% | 11.8% | ||
| Q3 24 | 7.6% | 13.7% | ||
| Q2 24 | 11.0% | 12.5% |
每股收益（稀释后）AFGZBH
| Q1 26 | — | $1.22 | ||
| Q4 25 | $3.59 | $0.71 | ||
| Q3 25 | $2.58 | $1.16 | ||
| Q2 25 | $2.07 | $0.77 | ||
| Q1 25 | $1.84 | $0.91 | ||
| Q4 24 | $3.03 | $1.18 | ||
| Q3 24 | $2.16 | $1.23 | ||
| Q2 24 | $2.49 | $1.18 |
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 | $424.2M |
| 总债务越低越好 | $1.8B | $7.5B |
| 股东权益账面价值 | $4.8B | $12.7B |
| 总资产 | $32.6B | $22.7B |
| 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AFGZBH
| Q1 26 | — | $424.2M | ||
| Q4 25 | $1.7B | $591.9M | ||
| Q3 25 | $1.8B | $1.3B | ||
| Q2 25 | $1.3B | $556.9M | ||
| Q1 25 | $1.3B | $1.4B | ||
| Q4 24 | $1.4B | $525.5M | ||
| Q3 24 | $1.3B | $569.0M | ||
| Q2 24 | $1.1B | $420.1M |
总债务AFGZBH
| Q1 26 | — | $7.5B | ||
| 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 | — |
股东权益AFGZBH
| Q1 26 | — | $12.7B | ||
| Q4 25 | $4.8B | $12.7B | ||
| Q3 25 | $4.7B | $12.8B | ||
| Q2 25 | $4.5B | $12.5B | ||
| Q1 25 | $4.4B | $12.4B | ||
| Q4 24 | $4.5B | $12.5B | ||
| Q3 24 | $4.7B | $12.4B | ||
| Q2 24 | $4.4B | $12.7B |
总资产AFGZBH
| Q1 26 | — | $22.7B | ||
| Q4 25 | $32.6B | $23.1B | ||
| Q3 25 | $33.8B | $23.5B | ||
| Q2 25 | $30.7B | $22.9B | ||
| Q1 25 | $30.3B | $22.2B | ||
| Q4 24 | $30.8B | $21.4B | ||
| Q3 24 | $32.6B | $21.7B | ||
| Q2 24 | $29.9B | $21.5B |
负债/权益比AFGZBH
| Q1 26 | — | 0.59× | ||
| 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× | — |
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 | $359.4M |
| 自由现金流经营现金流 - 资本支出 | — | $245.9M |
| 自由现金流率自由现金流/营收 | — | 11.8% |
| 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× | 1.51× |
| 过去12个月自由现金流最近4个季度 | — | $1.4B |
8季度趋势，按日历期对齐
经营现金流AFGZBH
| Q1 26 | — | $359.4M | ||
| Q4 25 | $784.0M | $517.4M | ||
| Q3 25 | $216.0M | $418.7M | ||
| Q2 25 | $191.0M | $378.2M | ||
| Q1 25 | $342.0M | $382.8M | ||
| Q4 24 | $674.0M | $506.3M | ||
| Q3 24 | $459.0M | $395.7M | ||
| Q2 24 | $-88.0M | $369.4M |
自由现金流AFGZBH
| Q1 26 | — | $245.9M | ||
| Q4 25 | — | $442.6M | ||
| Q3 25 | — | $363.7M | ||
| Q2 25 | — | $328.1M | ||
| Q1 25 | — | $338.2M | ||
| Q4 24 | — | $454.8M | ||
| Q3 24 | — | $351.2M | ||
| Q2 24 | — | $316.7M |
自由现金流率AFGZBH
| Q1 26 | — | 11.8% | ||
| Q4 25 | — | 19.7% | ||
| Q3 25 | — | 18.2% | ||
| Q2 25 | — | 15.8% | ||
| Q1 25 | — | 17.7% | ||
| Q4 24 | — | 22.5% | ||
| Q3 24 | — | 19.3% | ||
| Q2 24 | — | 16.3% |
资本支出强度AFGZBH
| Q1 26 | — | — | ||
| Q4 25 | — | 3.3% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 2.3% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | — | 2.4% | ||
| Q2 24 | — | 2.7% |
现金转化率AFGZBH
| Q1 26 | — | 1.51× | ||
| Q4 25 | 2.62× | 3.71× | ||
| Q3 25 | 1.00× | 1.81× | ||
| Q2 25 | 1.10× | 2.48× | ||
| Q1 25 | 2.22× | 2.10× | ||
| Q4 24 | 2.64× | 2.11× | ||
| Q3 24 | 2.54× | 1.59× | ||
| Q2 24 | -0.42× | 1.52× |
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% |
ZBH
暂无分部数据
