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C.H. Robinson（CHRW）与信安金融集团（PFG）财务数据对比。点击上方公司名可切换其他公司
信安金融集团的季度营收约是C.H. Robinson的1.2倍（$4.6B vs $3.9B），信安金融集团净利率更高（11.3% vs 3.5%，领先7.8%），信安金融集团同比增速更快（-3.7% vs -6.5%），过去两年信安金融集团的营收复合增速更高（6.3% vs -5.8%）
C.H. Robinson是美国知名第三方物流与运输服务企业，业务涵盖货运代理、运输管理、中介经纪及仓储服务，可提供整车、零担、空运、多式联运、海运等多种运输解决方案，满足全球客户差异化物流需求。
信安金融集团（股票代码：PFG）是总部位于美国艾奥瓦州得梅因的全球性金融服务企业，核心业务涵盖投资管理、保险服务两大板块，在全球多个区域开展业务，为机构客户和个人用户提供专业定制化的金融解决方案，在行业内拥有较高知名度。
CHRW vs PFG — 直观对比
营收规模更大
PFG
是对方的1.2倍
$3.9B
营收增速更快
PFG
高出2.8%
-6.5%
净利率更高
PFG
高出7.8%
3.5%
两年增速更快
PFG
近两年复合增速
-5.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.9B | $4.6B |
| 净利润 | $136.3M | $517.0M |
| 毛利率 | — | — |
| 营业利润率 | 4.6% | — |
| 净利率 | 3.5% | 11.3% |
| 营收同比 | -6.5% | -3.7% |
| 净利润同比 | -8.7% | -42.9% |
| 每股收益（稀释后） | $1.12 | $2.30 |
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CHRWPFG
| Q4 25 | $3.9B | $4.6B | ||
| Q3 25 | $4.1B | $3.7B | ||
| Q2 25 | $4.1B | $3.7B | ||
| Q1 25 | $4.0B | $3.7B | ||
| Q4 24 | $4.2B | $4.8B | ||
| Q3 24 | $4.6B | $3.0B | ||
| Q2 24 | $4.5B | $4.3B | ||
| Q1 24 | $4.4B | $4.1B |
净利润CHRWPFG
| Q4 25 | $136.3M | $517.0M | ||
| Q3 25 | $163.0M | $213.8M | ||
| Q2 25 | $152.5M | $406.2M | ||
| Q1 25 | $135.3M | $48.1M | ||
| Q4 24 | $149.3M | $905.4M | ||
| Q3 24 | $97.2M | $-220.0M | ||
| Q2 24 | $126.3M | $353.1M | ||
| Q1 24 | $92.9M | $532.5M |
营业利润率CHRWPFG
| Q4 25 | 4.6% | — | ||
| Q3 25 | 5.3% | — | ||
| Q2 25 | 5.2% | — | ||
| Q1 25 | 4.4% | — | ||
| Q4 24 | 4.4% | — | ||
| Q3 24 | 3.9% | — | ||
| Q2 24 | 4.0% | — | ||
| Q1 24 | 2.9% | — |
净利率CHRWPFG
| Q4 25 | 3.5% | 11.3% | ||
| Q3 25 | 3.9% | 5.8% | ||
| Q2 25 | 3.7% | 11.1% | ||
| Q1 25 | 3.3% | 1.3% | ||
| Q4 24 | 3.6% | 19.1% | ||
| Q3 24 | 2.1% | -7.3% | ||
| Q2 24 | 2.8% | 8.2% | ||
| Q1 24 | 2.1% | 13.1% |
每股收益（稀释后）CHRWPFG
| Q4 25 | $1.12 | $2.30 | ||
| Q3 25 | $1.34 | $0.95 | ||
| Q2 25 | $1.26 | $1.79 | ||
| Q1 25 | $1.11 | $0.21 | ||
| Q4 24 | $1.23 | $3.92 | ||
| Q3 24 | $0.80 | $-0.95 | ||
| Q2 24 | $1.05 | $1.49 | ||
| Q1 24 | $0.78 | $2.22 |
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 | $160.9M | $4.4B |
| 总债务越低越好 | $1.1B | $3.9B |
| 股东权益账面价值 | $1.8B | $11.9B |
| 总资产 | $5.1B | $341.4B |
| 负债/权益比越低杠杆越低 | 0.59× | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资CHRWPFG
| Q4 25 | $160.9M | $4.4B | ||
| Q3 25 | $136.8M | $5.1B | ||
| Q2 25 | $156.0M | $3.7B | ||
| Q1 25 | $129.9M | $3.9B | ||
| Q4 24 | $145.8M | $4.2B | ||
| Q3 24 | $131.7M | $6.2B | ||
| Q2 24 | $113.2M | $4.8B | ||
| Q1 24 | $121.8M | $4.2B |
总债务CHRWPFG
| Q4 25 | $1.1B | $3.9B | ||
| Q3 25 | $1.2B | $3.9B | ||
| Q2 25 | $1.4B | $3.9B | ||
| Q1 25 | $1.4B | $4.3B | ||
| Q4 24 | $1.4B | $4.0B | ||
| Q3 24 | $1.6B | $3.9B | ||
| Q2 24 | $1.6B | $3.9B | ||
| Q1 24 | $1.7B | $3.9B |
股东权益CHRWPFG
| Q4 25 | $1.8B | $11.9B | ||
| Q3 25 | $1.9B | $11.7B | ||
| Q2 25 | $1.8B | $11.4B | ||
| Q1 25 | $1.7B | $11.2B | ||
| Q4 24 | $1.7B | $11.1B | ||
| Q3 24 | $1.6B | $11.2B | ||
| Q2 24 | $1.5B | $11.0B | ||
| Q1 24 | $1.4B | $11.2B |
总资产CHRWPFG
| Q4 25 | $5.1B | $341.4B | ||
| Q3 25 | $5.2B | $334.5B | ||
| Q2 25 | $5.3B | $323.1B | ||
| Q1 25 | $5.2B | $313.0B | ||
| Q4 24 | $5.3B | $313.7B | ||
| Q3 24 | $5.6B | $322.9B | ||
| Q2 24 | $5.5B | $308.8B | ||
| Q1 24 | $5.5B | $308.7B |
负债/权益比CHRWPFG
| Q4 25 | 0.59× | 0.33× | ||
| Q3 25 | 0.64× | 0.34× | ||
| Q2 25 | 0.76× | 0.34× | ||
| Q1 25 | 0.80× | 0.39× | ||
| Q4 24 | 0.80× | 0.36× | ||
| Q3 24 | 0.95× | 0.35× | ||
| Q2 24 | 1.07× | 0.36× | ||
| Q1 24 | 1.19× | 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 | $305.4M | $1.7B |
| 自由现金流经营现金流 - 资本支出 | $302.4M | — |
| 自由现金流率自由现金流/营收 | 7.7% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 现金转化率经营现金流/净利润 | 2.24× | 3.37× |
| 过去12个月自由现金流最近4个季度 | $894.9M | — |
8季度趋势，按日历期对齐
经营现金流CHRWPFG
| Q4 25 | $305.4M | $1.7B | ||
| Q3 25 | $275.4M | $1.0B | ||
| Q2 25 | $227.1M | $811.9M | ||
| Q1 25 | $106.5M | $977.3M | ||
| Q4 24 | $267.9M | $1.5B | ||
| Q3 24 | $108.1M | $1.1B | ||
| Q2 24 | $166.4M | $1.4B | ||
| Q1 24 | $-33.3M | $584.2M |
自由现金流CHRWPFG
| Q4 25 | $302.4M | — | ||
| Q3 25 | $269.5M | — | ||
| Q2 25 | $219.8M | — | ||
| Q1 25 | $103.2M | — | ||
| Q4 24 | $265.3M | — | ||
| Q3 24 | $103.3M | — | ||
| Q2 24 | $159.8M | — | ||
| Q1 24 | $-41.9M | — |
自由现金流率CHRWPFG
| Q4 25 | 7.7% | — | ||
| Q3 25 | 6.5% | — | ||
| Q2 25 | 5.3% | — | ||
| Q1 25 | 2.5% | — | ||
| Q4 24 | 6.3% | — | ||
| Q3 24 | 2.2% | — | ||
| Q2 24 | 3.6% | — | ||
| Q1 24 | -1.0% | — |
资本支出强度CHRWPFG
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.2% | — |
现金转化率CHRWPFG
| Q4 25 | 2.24× | 3.37× | ||
| Q3 25 | 1.69× | 4.70× | ||
| Q2 25 | 1.49× | 2.00× | ||
| Q1 25 | 0.79× | 20.32× | ||
| Q4 24 | 1.79× | 1.61× | ||
| Q3 24 | 1.11× | — | ||
| Q2 24 | 1.32× | 4.05× | ||
| Q1 24 | -0.36× | 1.10× |
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
CHRW
| North American Service Transportation NAST | $2.8B | 72% |
| Global Forwarding | $731.0M | 19% |
| Sourcing | $340.9M | 9% |
PFG
| Segment Retirement And Income Solutions | $1.6B | 36% |
| Segment Benefits And Protection | $1.1B | 23% |
| Other | $582.8M | 13% |
| Segment Principal Asset Management | $465.6M | 10% |
| Subsegment Investment Management | $449.4M | 10% |
| Administrative Service | $152.2M | 3% |
| Subsegment International Pension | $91.2M | 2% |
| Segment Corporate | $73.0M | 2% |
| Subsegment Life Insurance | $26.1M | 1% |
| Financial Service Other | $25.1M | 1% |
| Residential Mortgage | $7.4M | 0% |
| Subsegment Specialty Benefits | $3.7M | 0% |
| Deposit Account | $3.4M | 0% |
| Commission Income | $1.8M | 0% |
