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信安金融集团（PFG）与WEC Energy Group（WEC）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WEC Energy Group的1.8倍（$4.6B vs $2.5B），WEC Energy Group净利率更高（12.5% vs 11.3%，领先1.2%），WEC Energy Group同比增速更快（11.1% 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 -2.7%）
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。
WEC能源集团是总部位于美国威斯康星州密尔沃基的知名能源企业，业务覆盖美国四个州，为总计440万用户提供可靠的电力及天然气供应服务，是北美地区颇具规模的区域性能源服务商。
PFG vs WEC — 直观对比
营收规模更大
PFG
是对方的1.8倍
$2.5B
营收增速更快
WEC
高出14.8%
-3.7%
净利率更高
WEC
高出1.2%
11.3%
两年增速更快
PFG
近两年复合增速
-2.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $4.6B | $2.5B |
| 净利润 | $517.0M | $316.8M |
| 毛利率 | — | 63.7% |
| 营业利润率 | — | 17.9% |
| 净利率 | 11.3% | 12.5% |
| 营收同比 | -3.7% | 11.1% |
| 净利润同比 | -42.9% | -30.1% |
| 每股收益（稀释后） | $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PFGWEC
| Q4 25 | $4.6B | $2.5B | ||
| Q3 25 | $3.7B | $2.1B | ||
| Q2 25 | $3.7B | $2.0B | ||
| Q1 25 | $3.7B | $3.1B | ||
| Q4 24 | $4.8B | $2.3B | ||
| Q3 24 | $3.0B | $1.9B | ||
| Q2 24 | $4.3B | $1.8B | ||
| Q1 24 | $4.1B | $2.7B |
净利润PFGWEC
| Q4 25 | $517.0M | $316.8M | ||
| Q3 25 | $213.8M | $270.2M | ||
| Q2 25 | $406.2M | $243.0M | ||
| Q1 25 | $48.1M | $725.5M | ||
| Q4 24 | $905.4M | $453.1M | ||
| Q3 24 | $-220.0M | $238.6M | ||
| Q2 24 | $353.1M | $210.0M | ||
| Q1 24 | $532.5M | $622.6M |
毛利率PFGWEC
| Q4 25 | — | 63.7% | ||
| Q3 25 | — | 71.1% | ||
| Q2 25 | — | 71.6% | ||
| Q1 25 | — | 63.0% | ||
| Q4 24 | — | 67.7% | ||
| Q3 24 | — | 72.1% | ||
| Q2 24 | — | 73.5% | ||
| Q1 24 | — | 65.4% |
营业利润率PFGWEC
| Q4 25 | — | 17.9% | ||
| Q3 25 | — | 21.4% | ||
| Q2 25 | — | 20.1% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 25.9% | ||
| Q3 24 | — | 20.6% | ||
| Q2 24 | — | 20.6% | ||
| Q1 24 | — | 30.3% |
净利率PFGWEC
| Q4 25 | 11.3% | 12.5% | ||
| Q3 25 | 5.8% | 12.8% | ||
| Q2 25 | 11.1% | 12.1% | ||
| Q1 25 | 1.3% | 23.0% | ||
| Q4 24 | 19.1% | 19.8% | ||
| Q3 24 | -7.3% | 12.8% | ||
| Q2 24 | 8.2% | 11.9% | ||
| Q1 24 | 13.1% | 23.2% |
每股收益（稀释后）PFGWEC
| Q4 25 | $2.30 | — | ||
| Q3 25 | $0.95 | — | ||
| Q2 25 | $1.79 | — | ||
| Q1 25 | $0.21 | — | ||
| Q4 24 | $3.92 | — | ||
| Q3 24 | $-0.95 | — | ||
| Q2 24 | $1.49 | — | ||
| Q1 24 | $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 | $4.4B | $27.6M |
| 总债务越低越好 | $3.9B | $20.0B |
| 股东权益账面价值 | $11.9B | $14.1B |
| 总资产 | $341.4B | $51.5B |
| 负债/权益比越低杠杆越低 | 0.33× | 1.42× |
8季度趋势，按日历期对齐
现金及短期投资PFGWEC
| Q4 25 | $4.4B | $27.6M | ||
| Q3 25 | $5.1B | $51.1M | ||
| Q2 25 | $3.7B | $23.0M | ||
| Q1 25 | $3.9B | $82.2M | ||
| Q4 24 | $4.2B | $9.8M | ||
| Q3 24 | $6.2B | $322.5M | ||
| Q2 24 | $4.8B | $224.0M | ||
| Q1 24 | $4.2B | $38.9M |
总债务PFGWEC
| Q4 25 | $3.9B | $20.0B | ||
| Q3 25 | $3.9B | — | ||
| Q2 25 | $3.9B | — | ||
| Q1 25 | $4.3B | — | ||
| Q4 24 | $4.0B | $18.9B | ||
| Q3 24 | $3.9B | $16.9B | ||
| Q2 24 | $3.9B | $16.9B | ||
| Q1 24 | $3.9B | $15.4B |
股东权益PFGWEC
| Q4 25 | $11.9B | $14.1B | ||
| Q3 25 | $11.7B | $14.0B | ||
| Q2 25 | $11.4B | $13.7B | ||
| Q1 25 | $11.2B | $13.4B | ||
| Q4 24 | $11.1B | $12.8B | ||
| Q3 24 | $11.2B | $12.4B | ||
| Q2 24 | $11.0B | $12.4B | ||
| Q1 24 | $11.2B | $12.4B |
总资产PFGWEC
| Q4 25 | $341.4B | $51.5B | ||
| Q3 25 | $334.5B | $49.8B | ||
| Q2 25 | $323.1B | $48.5B | ||
| Q1 25 | $313.0B | $48.2B | ||
| Q4 24 | $313.7B | $47.4B | ||
| Q3 24 | $322.9B | $45.2B | ||
| Q2 24 | $308.8B | $44.6B | ||
| Q1 24 | $308.7B | $43.9B |
负债/权益比PFGWEC
| Q4 25 | 0.33× | 1.42× | ||
| Q3 25 | 0.34× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | 0.39× | — | ||
| Q4 24 | 0.36× | 1.48× | ||
| Q3 24 | 0.35× | 1.36× | ||
| Q2 24 | 0.36× | 1.36× | ||
| Q1 24 | 0.35× | 1.24× |
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 | $424.6M |
| 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× | 1.34× |
| 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PFGWEC
| Q4 25 | $1.7B | $424.6M | ||
| Q3 25 | $1.0B | $938.9M | ||
| Q2 25 | $811.9M | $853.3M | ||
| Q1 25 | $977.3M | $1.2B | ||
| Q4 24 | $1.5B | $581.8M | ||
| Q3 24 | $1.1B | $729.0M | ||
| Q2 24 | $1.4B | $1.0B | ||
| Q1 24 | $584.2M | $863.6M |
自由现金流PFGWEC
| Q4 25 | — | — | ||
| Q3 25 | — | $-625.7M | ||
| Q2 25 | — | $23.9M | ||
| Q1 25 | — | $461.5M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $-67.3M | ||
| Q2 24 | — | $343.5M | ||
| Q1 24 | — | $419.1M |
自由现金流率PFGWEC
| Q4 25 | — | — | ||
| Q3 25 | — | -29.7% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 14.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -3.6% | ||
| Q2 24 | — | 19.4% | ||
| Q1 24 | — | 15.6% |
资本支出强度PFGWEC
| Q4 25 | — | — | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 41.3% | ||
| Q1 25 | — | 22.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 42.7% | ||
| Q2 24 | — | 39.2% | ||
| Q1 24 | — | 16.6% |
现金转化率PFGWEC
| Q4 25 | 3.37× | 1.34× | ||
| Q3 25 | 4.70× | 3.47× | ||
| Q2 25 | 2.00× | 3.51× | ||
| Q1 25 | 20.32× | 1.60× | ||
| Q4 24 | 1.61× | 1.28× | ||
| Q3 24 | — | 3.06× | ||
| Q2 24 | 4.05× | 4.94× | ||
| Q1 24 | 1.10× | 1.39× |
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% |
WEC
| Wisconsin | $1.9B | 73% |
| Illinois | $441.2M | 17% |
| Other States | $165.1M | 7% |
| External Revenues | $74.0M | 3% |
| Otheroperatingrevenues | $8.0M | 0% |
