vs
信安金融集团（PFG）与Ubiquiti Inc.（UI）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Ubiquiti Inc.的5.6倍（$4.6B vs $814.9M），Ubiquiti Inc.净利率更高（28.7% vs 11.3%，领先17.4%），Ubiquiti Inc.同比增速更快（35.8% vs -3.7%），过去两年Ubiquiti Inc.的营收复合增速更高（28.6% vs 6.3%）
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。
Ubiquiti Inc.是一家美国科技企业，2003年于加利福尼亚州圣何塞成立，目前总部位于纽约。公司旗下拥有多个品牌，主营面向企业及家庭用户的有线、无线数据通信产品的研发、生产与销售。
PFG vs UI — 直观对比
营收规模更大
PFG
是对方的5.6倍
$814.9M
营收增速更快
UI
高出39.5%
-3.7%
净利率更高
UI
高出17.4%
11.3%
两年增速更快
UI
近两年复合增速
6.3%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $4.6B | $814.9M |
| 净利润 | $517.0M | $233.6M |
| 毛利率 | — | 45.9% |
| 营业利润率 | — | 35.9% |
| 净利率 | 11.3% | 28.7% |
| 营收同比 | -3.7% | 35.8% |
| 净利润同比 | -42.9% | 70.8% |
| 每股收益（稀释后） | $2.30 | $3.86 |
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PFGUI
| Q4 25 | $4.6B | $814.9M | ||
| Q3 25 | $3.7B | $733.8M | ||
| Q2 25 | $3.7B | $759.2M | ||
| Q1 25 | $3.7B | $664.2M | ||
| Q4 24 | $4.8B | $599.9M | ||
| Q3 24 | $3.0B | $550.3M | ||
| Q2 24 | $4.3B | $507.5M | ||
| Q1 24 | $4.1B | $493.0M |
净利润PFGUI
| Q4 25 | $517.0M | $233.6M | ||
| Q3 25 | $213.8M | $207.9M | ||
| Q2 25 | $406.2M | $266.7M | ||
| Q1 25 | $48.1M | $180.4M | ||
| Q4 24 | $905.4M | $136.8M | ||
| Q3 24 | $-220.0M | $128.0M | ||
| Q2 24 | $353.1M | $103.8M | ||
| Q1 24 | $532.5M | $76.3M |
毛利率PFGUI
| Q4 25 | — | 45.9% | ||
| Q3 25 | — | 46.0% | ||
| Q2 25 | — | 45.1% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 41.2% | ||
| Q3 24 | — | 42.1% | ||
| Q2 24 | — | 40.2% | ||
| Q1 24 | — | 35.3% |
营业利润率PFGUI
| Q4 25 | — | 35.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 34.4% | ||
| Q1 25 | — | 34.2% | ||
| Q4 24 | — | 29.8% | ||
| Q3 24 | — | 30.7% | ||
| Q2 24 | — | 27.3% | ||
| Q1 24 | — | 22.6% |
净利率PFGUI
| Q4 25 | 11.3% | 28.7% | ||
| Q3 25 | 5.8% | 28.3% | ||
| Q2 25 | 11.1% | 35.1% | ||
| Q1 25 | 1.3% | 27.2% | ||
| Q4 24 | 19.1% | 22.8% | ||
| Q3 24 | -7.3% | 23.3% | ||
| Q2 24 | 8.2% | 20.5% | ||
| Q1 24 | 13.1% | 15.5% |
每股收益（稀释后）PFGUI
| Q4 25 | $2.30 | $3.86 | ||
| Q3 25 | $0.95 | $3.43 | ||
| Q2 25 | $1.79 | $4.40 | ||
| Q1 25 | $0.21 | $2.98 | ||
| Q4 24 | $3.92 | $2.26 | ||
| Q3 24 | $-0.95 | $2.12 | ||
| Q2 24 | $1.49 | $1.72 | ||
| Q1 24 | $2.22 | $1.26 |
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 | $4.4B | $302.8M |
| 总债务越低越好 | $3.9B | $47.5M |
| 股东权益账面价值 | $11.9B | $1.0B |
| 总资产 | $341.4B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.33× | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资PFGUI
| Q4 25 | $4.4B | $302.8M | ||
| Q3 25 | $5.1B | $177.2M | ||
| Q2 25 | $3.7B | $149.7M | ||
| Q1 25 | $3.9B | $151.0M | ||
| Q4 24 | $4.2B | $133.1M | ||
| Q3 24 | $6.2B | $165.2M | ||
| Q2 24 | $4.8B | $126.3M | ||
| Q1 24 | $4.2B | $102.5M |
总债务PFGUI
| Q4 25 | $3.9B | $47.5M | ||
| Q3 25 | $3.9B | $133.8M | ||
| Q2 25 | $3.9B | $250.0M | ||
| Q1 25 | $4.3B | $340.0M | ||
| Q4 24 | $4.0B | $406.3M | ||
| Q3 24 | $3.9B | $552.5M | ||
| Q2 24 | $3.9B | $708.1M | ||
| Q1 24 | $3.9B | $877.5M |
股东权益PFGUI
| Q4 25 | $11.9B | $1.0B | ||
| Q3 25 | $11.7B | $828.4M | ||
| Q2 25 | $11.4B | $668.3M | ||
| Q1 25 | $11.2B | $436.1M | ||
| Q4 24 | $11.1B | $290.4M | ||
| Q3 24 | $11.2B | $188.1M | ||
| Q2 24 | $11.0B | $95.1M | ||
| Q1 24 | $11.2B | $25.9M |
总资产PFGUI
| Q4 25 | $341.4B | $1.6B | ||
| Q3 25 | $334.5B | $1.5B | ||
| Q2 25 | $323.1B | $1.5B | ||
| Q1 25 | $313.0B | $1.3B | ||
| Q4 24 | $313.7B | $1.2B | ||
| Q3 24 | $322.9B | $1.2B | ||
| Q2 24 | $308.8B | $1.2B | ||
| Q1 24 | $308.7B | $1.2B |
负债/权益比PFGUI
| Q4 25 | 0.33× | 0.05× | ||
| Q3 25 | 0.34× | 0.16× | ||
| Q2 25 | 0.34× | 0.37× | ||
| Q1 25 | 0.39× | 0.78× | ||
| Q4 24 | 0.36× | 1.40× | ||
| Q3 24 | 0.35× | 2.94× | ||
| Q2 24 | 0.36× | 7.45× | ||
| Q1 24 | 0.35× | 33.92× |
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 | $1.7B | $263.9M |
| 自由现金流经营现金流 - 资本支出 | — | $260.3M |
| 自由现金流率自由现金流/营收 | — | 31.9% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | 3.37× | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $699.5M |
8季度趋势，按日历期对齐
经营现金流PFGUI
| Q4 25 | $1.7B | $263.9M | ||
| Q3 25 | $1.0B | $198.5M | ||
| Q2 25 | $811.9M | $130.4M | ||
| Q1 25 | $977.3M | $123.6M | ||
| Q4 24 | $1.5B | $152.4M | ||
| Q3 24 | $1.1B | $233.7M | ||
| Q2 24 | $1.4B | $231.4M | ||
| Q1 24 | $584.2M | $163.9M |
自由现金流PFGUI
| Q4 25 | — | $260.3M | ||
| Q3 25 | — | $193.3M | ||
| Q2 25 | — | $125.2M | ||
| Q1 25 | — | $120.7M | ||
| Q4 24 | — | $150.4M | ||
| Q3 24 | — | $231.1M | ||
| Q2 24 | — | $229.5M | ||
| Q1 24 | — | $160.6M |
自由现金流率PFGUI
| Q4 25 | — | 31.9% | ||
| Q3 25 | — | 26.3% | ||
| Q2 25 | — | 16.5% | ||
| Q1 25 | — | 18.2% | ||
| Q4 24 | — | 25.1% | ||
| Q3 24 | — | 42.0% | ||
| Q2 24 | — | 45.2% | ||
| Q1 24 | — | 32.6% |
资本支出强度PFGUI
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.7% |
现金转化率PFGUI
| Q4 25 | 3.37× | 1.13× | ||
| Q3 25 | 4.70× | 0.95× | ||
| Q2 25 | 2.00× | 0.49× | ||
| Q1 25 | 20.32× | 0.68× | ||
| Q4 24 | 1.61× | 1.11× | ||
| Q3 24 | — | 1.83× | ||
| Q2 24 | 4.05× | 2.23× | ||
| Q1 24 | 1.10× | 2.15× |
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
| 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% |
UI
| Enterprise Technology | $729.0M | 89% |
| Service Provider Technology | $85.9M | 11% |
