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COMFORT SYSTEMS USA INC（FIX）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COMFORT SYSTEMS USA INC的1.7倍（$4.6B vs $2.6B），COMFORT SYSTEMS USA INC净利率更高（12.5% vs 11.3%，领先1.2%），COMFORT SYSTEMS USA INC同比增速更快（41.7% vs -3.7%），过去两年COMFORT SYSTEMS USA INC的营收复合增速更高（31.2% vs 6.3%）
Comfort Systems USA Inc.是一家美国企业，主营机电工程承包服务，核心业务覆盖暖通空调、给排水、管道工程、控制系统、场外预制建造、监测服务、消防系统，以及电气系统的安装与运维，为各类客户提供一体化机电设施解决方案。
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。
FIX vs PFG — 直观对比
营收规模更大
PFG
是对方的1.7倍
$2.6B
营收增速更快
FIX
高出45.4%
-3.7%
净利率更高
FIX
高出1.2%
11.3%
两年增速更快
FIX
近两年复合增速
6.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.6B | $4.6B |
| 净利润 | $330.8M | $517.0M |
| 毛利率 | 25.5% | — |
| 营业利润率 | 16.1% | — |
| 净利率 | 12.5% | 11.3% |
| 营收同比 | 41.7% | -3.7% |
| 净利润同比 | 126.8% | -42.9% |
| 每股收益（稀释后） | $9.35 | $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FIXPFG
| Q4 25 | $2.6B | $4.6B | ||
| Q3 25 | $2.5B | $3.7B | ||
| Q2 25 | $2.2B | $3.7B | ||
| Q1 25 | $1.8B | $3.7B | ||
| Q4 24 | $1.9B | $4.8B | ||
| Q3 24 | $1.8B | $3.0B | ||
| Q2 24 | $1.8B | $4.3B | ||
| Q1 24 | $1.5B | $4.1B |
净利润FIXPFG
| Q4 25 | $330.8M | $517.0M | ||
| Q3 25 | $291.6M | $213.8M | ||
| Q2 25 | $230.8M | $406.2M | ||
| Q1 25 | $169.3M | $48.1M | ||
| Q4 24 | $145.9M | $905.4M | ||
| Q3 24 | $146.2M | $-220.0M | ||
| Q2 24 | $134.0M | $353.1M | ||
| Q1 24 | $96.3M | $532.5M |
毛利率FIXPFG
| Q4 25 | 25.5% | — | ||
| Q3 25 | 24.8% | — | ||
| Q2 25 | 23.5% | — | ||
| Q1 25 | 22.0% | — | ||
| Q4 24 | 23.2% | — | ||
| Q3 24 | 21.1% | — | ||
| Q2 24 | 20.1% | — | ||
| Q1 24 | 19.3% | — |
营业利润率FIXPFG
| Q4 25 | 16.1% | — | ||
| Q3 25 | 15.5% | — | ||
| Q2 25 | 13.8% | — | ||
| Q1 25 | 11.4% | — | ||
| Q4 24 | 12.1% | — | ||
| Q3 24 | 11.2% | — | ||
| Q2 24 | 10.2% | — | ||
| Q1 24 | 8.8% | — |
净利率FIXPFG
| Q4 25 | 12.5% | 11.3% | ||
| Q3 25 | 11.9% | 5.8% | ||
| Q2 25 | 10.6% | 11.1% | ||
| Q1 25 | 9.2% | 1.3% | ||
| Q4 24 | 7.8% | 19.1% | ||
| Q3 24 | 8.1% | -7.3% | ||
| Q2 24 | 7.4% | 8.2% | ||
| Q1 24 | 6.3% | 13.1% |
每股收益（稀释后）FIXPFG
| Q4 25 | $9.35 | $2.30 | ||
| Q3 25 | $8.25 | $0.95 | ||
| Q2 25 | $6.53 | $1.79 | ||
| Q1 25 | $4.75 | $0.21 | ||
| Q4 24 | $4.08 | $3.92 | ||
| Q3 24 | $4.09 | $-0.95 | ||
| Q2 24 | $3.74 | $1.49 | ||
| Q1 24 | $2.69 | $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 | $981.9M | $4.4B |
| 总债务越低越好 | $145.2M | $3.9B |
| 股东权益账面价值 | $2.4B | $11.9B |
| 总资产 | $6.4B | $341.4B |
| 负债/权益比越低杠杆越低 | 0.06× | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资FIXPFG
| Q4 25 | $981.9M | $4.4B | ||
| Q3 25 | $860.5M | $5.1B | ||
| Q2 25 | $331.7M | $3.7B | ||
| Q1 25 | $204.8M | $3.9B | ||
| Q4 24 | $549.9M | $4.2B | ||
| Q3 24 | $415.6M | $6.2B | ||
| Q2 24 | $199.4M | $4.8B | ||
| Q1 24 | $100.8M | $4.2B |
总债务FIXPFG
| Q4 25 | $145.2M | $3.9B | ||
| Q3 25 | $136.0M | $3.9B | ||
| Q2 25 | $73.0M | $3.9B | ||
| Q1 25 | $67.8M | $4.3B | ||
| Q4 24 | $68.3M | $4.0B | ||
| Q3 24 | $62.3M | $3.9B | ||
| Q2 24 | $73.4M | $3.9B | ||
| Q1 24 | $77.0M | $3.9B |
股东权益FIXPFG
| Q4 25 | $2.4B | $11.9B | ||
| Q3 25 | $2.2B | $11.7B | ||
| Q2 25 | $2.0B | $11.4B | ||
| Q1 25 | $1.8B | $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FIXPFG
| Q4 25 | $6.4B | $341.4B | ||
| Q3 25 | $5.8B | $334.5B | ||
| Q2 25 | $5.1B | $323.1B | ||
| Q1 25 | $4.6B | $313.0B | ||
| Q4 24 | $4.7B | $313.7B | ||
| Q3 24 | $4.4B | $322.9B | ||
| Q2 24 | $4.2B | $308.8B | ||
| Q1 24 | $3.9B | $308.7B |
负债/权益比FIXPFG
| Q4 25 | 0.06× | 0.33× | ||
| Q3 25 | 0.06× | 0.34× | ||
| Q2 25 | 0.04× | 0.34× | ||
| Q1 25 | 0.04× | 0.39× | ||
| Q4 24 | 0.04× | 0.36× | ||
| Q3 24 | 0.04× | 0.35× | ||
| Q2 24 | 0.05× | 0.36× | ||
| Q1 24 | 0.06× | 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 | $468.5M | $1.7B |
| 自由现金流经营现金流 - 资本支出 | $402.4M | — |
| 自由现金流率自由现金流/营收 | 15.2% | — |
| 资本支出强度资本支出/营收 | 2.5% | — |
| 现金转化率经营现金流/净利润 | 1.42× | 3.37× |
| 过去12个月自由现金流最近4个季度 | $1.0B | — |
8季度趋势，按日历期对齐
经营现金流FIXPFG
| Q4 25 | $468.5M | $1.7B | ||
| Q3 25 | $553.3M | $1.0B | ||
| Q2 25 | $252.5M | $811.9M | ||
| Q1 25 | $-88.0M | $977.3M | ||
| Q4 24 | $210.5M | $1.5B | ||
| Q3 24 | $302.2M | $1.1B | ||
| Q2 24 | $189.9M | $1.4B | ||
| Q1 24 | $146.6M | $584.2M |
自由现金流FIXPFG
| Q4 25 | $402.4M | — | ||
| Q3 25 | $517.9M | — | ||
| Q2 25 | $221.2M | — | ||
| Q1 25 | $-110.2M | — | ||
| Q4 24 | $169.8M | — | ||
| Q3 24 | $280.1M | — | ||
| Q2 24 | $166.5M | — | ||
| Q1 24 | $121.6M | — |
自由现金流率FIXPFG
| Q4 25 | 15.2% | — | ||
| Q3 25 | 21.1% | — | ||
| Q2 25 | 10.2% | — | ||
| Q1 25 | -6.0% | — | ||
| Q4 24 | 9.1% | — | ||
| Q3 24 | 15.5% | — | ||
| Q2 24 | 9.2% | — | ||
| Q1 24 | 7.9% | — |
资本支出强度FIXPFG
| Q4 25 | 2.5% | — | ||
| Q3 25 | 1.4% | — | ||
| Q2 25 | 1.4% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 2.2% | — | ||
| Q3 24 | 1.2% | — | ||
| Q2 24 | 1.3% | — | ||
| Q1 24 | 1.6% | — |
现金转化率FIXPFG
| Q4 25 | 1.42× | 3.37× | ||
| Q3 25 | 1.90× | 4.70× | ||
| Q2 25 | 1.09× | 2.00× | ||
| Q1 25 | -0.52× | 20.32× | ||
| Q4 24 | 1.44× | 1.61× | ||
| Q3 24 | 2.07× | — | ||
| Q2 24 | 1.42× | 4.05× | ||
| Q1 24 | 1.52× | 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
FIX
| Electrical Segment | $823.7M | 31% |
| Manufacturing Customer | $542.7M | 21% |
| Existing Building Construction | $491.4M | 19% |
| Healthcare Sector Customer | $220.8M | 8% |
| Service Projects | $153.0M | 6% |
| Education | $137.5M | 5% |
| Government Customer | $131.0M | 5% |
| Office Building Customer | $88.2M | 3% |
| Other Customer | $40.7M | 2% |
| Multi Family And Residential | $33.7M | 1% |
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% |
