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信安金融集团（PFG）与皇家加勒比集团（RCL）财务数据对比。点击上方公司名可切换其他公司
皇家加勒比集团的季度营收约是信安金融集团的5.9倍（$4.5B vs $750.8M），皇家加勒比集团净利率更高（21.3% vs 0.3%，领先21.1%），皇家加勒比集团同比增速更快（11.3% vs 4.0%），过去两年皇家加勒比集团的营收复合增速更高（4.1% vs -58.3%）
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。
皇家加勒比集团前身为皇家加勒比邮轮有限公司，是仅次于嘉年华公司的全球第二大邮轮运营商。集团总部位于美国佛罗里达州迈阿密，在利比里亚注册，目前全资拥有皇家加勒比国际游轮、名人邮轮、银海邮轮三大品牌，还持有途易邮轮50%的股份。
PFG vs RCL — 直观对比
营收规模更大
RCL
是对方的5.9倍
$750.8M
营收增速更快
RCL
高出7.3%
4.0%
净利率更高
RCL
高出21.1%
0.3%
两年增速更快
RCL
近两年复合增速
-58.3%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $750.8M | $4.5B |
| 净利润 | $1.9M | $950.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 26.1% |
| 净利率 | 0.3% | 21.3% |
| 营收同比 | 4.0% | 11.3% |
| 净利润同比 | 783.0% | 29.1% |
| 每股收益（稀释后） | — | $3.48 |
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PFGRCL
| Q1 26 | $750.8M | $4.5B | ||
| Q4 25 | $4.6B | $4.3B | ||
| Q3 25 | $3.7B | $5.1B | ||
| Q2 25 | $3.7B | $4.5B | ||
| Q1 25 | $3.7B | $4.0B | ||
| Q4 24 | $4.8B | $3.8B | ||
| Q3 24 | $3.0B | $4.9B | ||
| Q2 24 | $4.3B | $4.1B |
净利润PFGRCL
| Q1 26 | $1.9M | $950.0M | ||
| Q4 25 | $517.0M | $753.0M | ||
| Q3 25 | $213.8M | $1.6B | ||
| Q2 25 | $406.2M | $1.2B | ||
| Q1 25 | $48.1M | $730.0M | ||
| Q4 24 | $905.4M | $552.0M | ||
| Q3 24 | $-220.0M | $1.1B | ||
| Q2 24 | $353.1M | $854.0M |
毛利率PFGRCL
| Q1 26 | — | — | ||
| Q4 25 | — | 47.4% | ||
| Q3 25 | — | 51.8% | ||
| Q2 25 | — | 49.7% | ||
| Q1 25 | — | 48.0% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 51.1% | ||
| Q2 24 | — | 47.6% |
营业利润率PFGRCL
| Q1 26 | — | 26.1% | ||
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 33.1% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 23.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 33.4% | ||
| Q2 24 | — | 26.7% |
净利率PFGRCL
| Q1 26 | 0.3% | 21.3% | ||
| Q4 25 | 11.3% | 17.7% | ||
| Q3 25 | 5.8% | 30.6% | ||
| Q2 25 | 11.1% | 26.7% | ||
| Q1 25 | 1.3% | 18.3% | ||
| Q4 24 | 19.1% | 14.7% | ||
| Q3 24 | -7.3% | 22.7% | ||
| Q2 24 | 8.2% | 20.8% |
每股收益（稀释后）PFGRCL
| Q1 26 | — | $3.48 | ||
| Q4 25 | $2.30 | $2.76 | ||
| Q3 25 | $0.95 | $5.74 | ||
| Q2 25 | $1.79 | $4.41 | ||
| Q1 25 | $0.21 | $2.70 | ||
| Q4 24 | $3.92 | $2.27 | ||
| Q3 24 | $-0.95 | $4.21 | ||
| Q2 24 | $1.49 | $3.11 |
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 | — | $512.0M |
| 总债务越低越好 | — | $21.1B |
| 股东权益账面价值 | — | $10.0B |
| 总资产 | — | $42.0B |
| 负债/权益比越低杠杆越低 | — | 2.11× |
8季度趋势，按日历期对齐
现金及短期投资PFGRCL
| Q1 26 | — | $512.0M | ||
| Q4 25 | $4.4B | $825.0M | ||
| Q3 25 | $5.1B | $432.0M | ||
| Q2 25 | $3.7B | $735.0M | ||
| Q1 25 | $3.9B | $386.0M | ||
| Q4 24 | $4.2B | $388.0M | ||
| Q3 24 | $6.2B | $418.0M | ||
| Q2 24 | $4.8B | $391.0M |
总债务PFGRCL
| Q1 26 | — | $21.1B | ||
| Q4 25 | $3.9B | $18.2B | ||
| Q3 25 | $3.9B | $17.2B | ||
| Q2 25 | $3.9B | $17.6B | ||
| Q1 25 | $4.3B | $18.0B | ||
| Q4 24 | $4.0B | $18.5B | ||
| Q3 24 | $3.9B | $19.0B | ||
| Q2 24 | $3.9B | $19.8B |
股东权益PFGRCL
| Q1 26 | — | $10.0B | ||
| Q4 25 | $11.9B | $10.0B | ||
| Q3 25 | $11.7B | $10.1B | ||
| Q2 25 | $11.4B | $9.2B | ||
| Q1 25 | $11.2B | $8.0B | ||
| Q4 24 | $11.1B | $7.6B | ||
| Q3 24 | $11.2B | $7.0B | ||
| Q2 24 | $11.0B | $6.0B |
总资产PFGRCL
| Q1 26 | — | $42.0B | ||
| Q4 25 | $341.4B | $41.6B | ||
| Q3 25 | $334.5B | $40.1B | ||
| Q2 25 | $323.1B | $38.5B | ||
| Q1 25 | $313.0B | $37.5B | ||
| Q4 24 | $313.7B | $37.1B | ||
| Q3 24 | $322.9B | $37.1B | ||
| Q2 24 | $308.8B | $37.0B |
负债/权益比PFGRCL
| Q1 26 | — | 2.11× | ||
| Q4 25 | 0.33× | 1.81× | ||
| Q3 25 | 0.34× | 1.70× | ||
| Q2 25 | 0.34× | 1.92× | ||
| Q1 25 | 0.39× | 2.26× | ||
| Q4 24 | 0.36× | 2.44× | ||
| Q3 24 | 0.35× | 2.69× | ||
| Q2 24 | 0.36× | 3.29× |
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 | — | $1.8B |
| 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 | — | 1.93× |
| 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PFGRCL
| Q1 26 | — | $1.8B | ||
| Q4 25 | $1.7B | $1.6B | ||
| Q3 25 | $1.0B | $1.5B | ||
| Q2 25 | $811.9M | $1.7B | ||
| Q1 25 | $977.3M | $1.6B | ||
| Q4 24 | $1.5B | $1.5B | ||
| Q3 24 | $1.1B | $897.0M | ||
| Q2 24 | $1.4B | $1.6B |
自由现金流PFGRCL
| Q1 26 | — | — | ||
| Q4 25 | — | $116.0M | ||
| Q3 25 | — | $-989.0M | ||
| Q2 25 | — | $910.0M | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $915.0M | ||
| Q3 24 | — | $563.0M | ||
| Q2 24 | — | $-567.0M |
自由现金流率PFGRCL
| Q1 26 | — | — | ||
| Q4 25 | — | 2.7% | ||
| Q3 25 | — | -19.2% | ||
| Q2 25 | — | 20.1% | ||
| Q1 25 | — | 30.0% | ||
| Q4 24 | — | 24.3% | ||
| Q3 24 | — | 11.5% | ||
| Q2 24 | — | -13.8% |
资本支出强度PFGRCL
| Q1 26 | — | — | ||
| Q4 25 | — | 35.4% | ||
| Q3 25 | — | 47.8% | ||
| Q2 25 | — | 18.4% | ||
| Q1 25 | — | 10.7% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 52.1% |
现金转化率PFGRCL
| Q1 26 | — | 1.93× | ||
| Q4 25 | 3.37× | 2.16× | ||
| Q3 25 | 4.70× | 0.93× | ||
| Q2 25 | 2.00× | 1.44× | ||
| Q1 25 | 20.32× | 2.23× | ||
| Q4 24 | 1.61× | 2.66× | ||
| Q3 24 | — | 0.81× | ||
| Q2 24 | 4.05× | 1.84× |
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
PFG
暂无分部数据
RCL
| Passenger ticket revenues | $3.0B | 68% |
| Onboard and other revenues | $1.4B | 32% |
