Police said the men -- one believed to be in his late teens and the other in his 20s -- approached the girl at about 6:50 a.m. at Geary Boulevard and Laguna Street, near the Japan Center shopping center.
The younger of the two suspects told the girl, "Show me the money," while the other brandished a silver revolver with a brown handle, police said.
The men then fled with the girl's handbag, jewelry and cell phone, according to police.
The girl was not injured, and no arrests have been made in the case.
