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信安金融集团（PFG）与伟世通（VC）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伟世通的4.8倍（$4.6B vs $948.0M），信安金融集团净利率更高（11.3% vs 7.8%，领先3.5%），伟世通同比增速更快（1.0% vs -3.7%），过去两年信安金融集团的营收复合增速更高（6.3% vs 0.8%）
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。
伟世通是一家总部位于美国密歇根州范布伦镇区的全球性汽车电子供应商，业务涵盖汽车座舱电子产品、车联网服务以及电动化相关产品的设计、研发与制造，客户几乎覆盖全球所有主流汽车制造商。
PFG vs VC — 直观对比
营收规模更大
PFG
是对方的4.8倍
$948.0M
营收增速更快
VC
高出4.6%
-3.7%
净利率更高
PFG
高出3.5%
7.8%
两年增速更快
PFG
近两年复合增速
0.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $4.6B | $948.0M |
| 净利润 | $517.0M | $74.0M |
| 毛利率 | — | 12.9% |
| 营业利润率 | — | 6.9% |
| 净利率 | 11.3% | 7.8% |
| 营收同比 | -3.7% | 1.0% |
| 净利润同比 | -42.9% | -40.8% |
| 每股收益（稀释后） | $2.30 | $2.67 |
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PFGVC
| Q4 25 | $4.6B | $948.0M | ||
| Q3 25 | $3.7B | $917.0M | ||
| Q2 25 | $3.7B | $969.0M | ||
| Q1 25 | $3.7B | $934.0M | ||
| Q4 24 | $4.8B | $939.0M | ||
| Q3 24 | $3.0B | $980.0M | ||
| Q2 24 | $4.3B | $1.0B | ||
| Q1 24 | $4.1B | $933.0M |
净利润PFGVC
| Q4 25 | $517.0M | $74.0M | ||
| Q3 25 | $213.8M | $-11.0M | ||
| Q2 25 | $406.2M | $71.0M | ||
| Q1 25 | $48.1M | $67.0M | ||
| Q4 24 | $905.4M | $125.0M | ||
| Q3 24 | $-220.0M | $40.0M | ||
| Q2 24 | $353.1M | $83.0M | ||
| Q1 24 | $532.5M | $48.0M |
毛利率PFGVC
| Q4 25 | — | 12.9% | ||
| Q3 25 | — | 14.3% | ||
| Q2 25 | — | 14.6% | ||
| Q1 25 | — | 14.8% | ||
| Q4 24 | — | 14.3% | ||
| Q3 24 | — | 13.4% | ||
| Q2 24 | — | 14.5% | ||
| Q1 24 | — | 12.8% |
营业利润率PFGVC
| Q4 25 | — | 6.9% | ||
| Q3 25 | — | 8.8% | ||
| Q2 25 | — | 10.0% | ||
| Q1 25 | — | 10.2% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | — | 5.2% | ||
| Q2 24 | — | 9.9% | ||
| Q1 24 | — | 6.8% |
净利率PFGVC
| Q4 25 | 11.3% | 7.8% | ||
| Q3 25 | 5.8% | -1.2% | ||
| Q2 25 | 11.1% | 7.3% | ||
| Q1 25 | 1.3% | 7.2% | ||
| Q4 24 | 19.1% | 13.3% | ||
| Q3 24 | -7.3% | 4.1% | ||
| Q2 24 | 8.2% | 8.2% | ||
| Q1 24 | 13.1% | 5.1% |
每股收益（稀释后）PFGVC
| Q4 25 | $2.30 | $2.67 | ||
| Q3 25 | $0.95 | $-0.40 | ||
| Q2 25 | $1.79 | $2.57 | ||
| Q1 25 | $0.21 | $2.44 | ||
| Q4 24 | $3.92 | $4.50 | ||
| Q3 24 | $-0.95 | $1.43 | ||
| Q2 24 | $1.49 | $2.97 | ||
| Q1 24 | $2.22 | $1.71 |
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 | $771.0M |
| 总债务越低越好 | $3.9B | — |
| 股东权益账面价值 | $11.9B | $1.6B |
| 总资产 | $341.4B | $3.4B |
| 负债/权益比越低杠杆越低 | 0.33× | — |
8季度趋势，按日历期对齐
现金及短期投资PFGVC
| Q4 25 | $4.4B | $771.0M | ||
| Q3 25 | $5.1B | $762.0M | ||
| Q2 25 | $3.7B | $668.0M | ||
| Q1 25 | $3.9B | $655.0M | ||
| Q4 24 | $4.2B | $623.0M | ||
| Q3 24 | $6.2B | $550.0M | ||
| Q2 24 | $4.8B | $505.0M | ||
| Q1 24 | $4.2B | $504.0M |
总债务PFGVC
| Q4 25 | $3.9B | — | ||
| Q3 25 | $3.9B | — | ||
| Q2 25 | $3.9B | — | ||
| Q1 25 | $4.3B | — | ||
| Q4 24 | $4.0B | — | ||
| Q3 24 | $3.9B | — | ||
| Q2 24 | $3.9B | — | ||
| Q1 24 | $3.9B | — |
股东权益PFGVC
| Q4 25 | $11.9B | $1.6B | ||
| Q3 25 | $11.7B | $1.5B | ||
| Q2 25 | $11.4B | $1.5B | ||
| Q1 25 | $11.2B | $1.4B | ||
| Q4 24 | $11.1B | $1.3B | ||
| Q3 24 | $11.2B | $1.3B | ||
| Q2 24 | $11.0B | $1.2B | ||
| Q1 24 | $11.2B | $1.1B |
总资产PFGVC
| Q4 25 | $341.4B | $3.4B | ||
| Q3 25 | $334.5B | $3.3B | ||
| Q2 25 | $323.1B | $3.3B | ||
| Q1 25 | $313.0B | $3.1B | ||
| Q4 24 | $313.7B | $3.0B | ||
| Q3 24 | $322.9B | $3.0B | ||
| Q2 24 | $308.8B | $2.8B | ||
| Q1 24 | $308.7B | $2.8B |
负债/权益比PFGVC
| Q4 25 | 0.33× | — | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | 0.39× | — | ||
| Q4 24 | 0.36× | — | ||
| Q3 24 | 0.35× | — | ||
| Q2 24 | 0.36× | — | ||
| Q1 24 | 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 | $1.7B | $118.0M |
| 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 | 3.37× | 1.59× |
| 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PFGVC
| Q4 25 | $1.7B | $118.0M | ||
| Q3 25 | $1.0B | $127.0M | ||
| Q2 25 | $811.9M | $95.0M | ||
| Q1 25 | $977.3M | $70.0M | ||
| Q4 24 | $1.5B | $203.0M | ||
| Q3 24 | $1.1B | $98.0M | ||
| Q2 24 | $1.4B | $57.0M | ||
| Q1 24 | $584.2M | $69.0M |
现金转化率PFGVC
| Q4 25 | 3.37× | 1.59× | ||
| Q3 25 | 4.70× | — | ||
| Q2 25 | 2.00× | 1.34× | ||
| Q1 25 | 20.32× | 1.04× | ||
| Q4 24 | 1.61× | 1.62× | ||
| Q3 24 | — | 2.45× | ||
| Q2 24 | 4.05× | 0.69× | ||
| Q1 24 | 1.10× | 1.44× |
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% |
VC
| Audioandinfotainment | $508.0M | 54% |
| Informationdisplays | $428.0M | 45% |
