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美国国际集团（AIG）与CNO Financial Group, Inc.（CNO）财务数据对比。点击上方公司名可切换其他公司
美国国际集团的季度营收约是CNO Financial Group, Inc.的5.7倍（$6.5B vs $1.1B）。美国国际集团净利率更高（11.2% vs 8.8%，领先2.4%）。美国国际集团同比增速更快（380.9% vs 4.2%）。过去两年CNO Financial Group, Inc.的营收复合增速更高（-0.6% vs -27.8%）
美国国际集团（AIG）是全球知名保险提供商，服务覆盖北美及全球其他地区，面向商业客户、机构客户及个人用户推出多元化保险产品，业务涵盖责任险、财产险、航空航天险、政治风险保险、贸易信用保险、农业保险、海事保险等多个领域，可满足不同客户的风险保障需求。
CNO金融集团是总部位于美国印第安纳州卡梅尔的金融服务控股公司，前身为康塞科公司。集团旗下保险子公司为美国超400万客户提供人寿保险、年金和补充健康保险产品，通过独立代理人、专属代理人，以及电视广告、直邮等直销触达用户。
AIG vs CNO — 直观对比
营收规模更大
AIG
是对方的5.7倍
$1.1B
营收增速更快
AIG
高出376.7%
4.2%
净利率更高
AIG
高出2.4%
8.8%
两年增速更快
CNO
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $1.1B |
| 净利润 | $735.0M | $100.7M |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | 15.2% |
| 净利率 | 11.2% | 8.8% |
| 营收同比 | 380.9% | 4.2% |
| 净利润同比 | -18.2% | -39.4% |
| 每股收益（稀释后） | $1.36 | $1.02 |
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AIGCNO
| Q4 25 | $6.5B | $1.1B | ||
| Q3 25 | $6.4B | $1.2B | ||
| Q2 25 | $7.1B | $1.2B | ||
| Q1 25 | $6.8B | $1.0B | ||
| Q4 24 | $1.4B | $1.1B | ||
| Q3 24 | $6.8B | $1.1B | ||
| Q2 24 | $6.6B | $1.1B | ||
| Q1 24 | $12.6B | $1.2B |
净利润AIGCNO
| Q4 25 | $735.0M | $100.7M | ||
| Q3 25 | $519.0M | $23.1M | ||
| Q2 25 | $1.1B | $91.8M | ||
| Q1 25 | $698.0M | $13.7M | ||
| Q4 24 | $898.0M | $166.1M | ||
| Q3 24 | $459.0M | $9.3M | ||
| Q2 24 | $-4.0B | $116.3M | ||
| Q1 24 | $1.2B | $112.3M |
营业利润率AIGCNO
| Q4 25 | 10.1% | 15.2% | ||
| Q3 25 | 11.2% | 13.7% | ||
| Q2 25 | 21.8% | 9.8% | ||
| Q1 25 | 14.2% | 10.4% | ||
| Q4 24 | 40.6% | 15.8% | ||
| Q3 24 | 9.6% | 13.6% | ||
| Q2 24 | 9.4% | 13.9% | ||
| Q1 24 | 16.3% | 6.5% |
净利率AIGCNO
| Q4 25 | 11.2% | 8.8% | ||
| Q3 25 | 8.2% | 1.9% | ||
| Q2 25 | 16.1% | 8.0% | ||
| Q1 25 | 10.3% | 1.4% | ||
| Q4 24 | 65.9% | 15.1% | ||
| Q3 24 | 6.8% | 0.8% | ||
| Q2 24 | -60.6% | 10.9% | ||
| Q1 24 | 9.7% | 9.7% |
每股收益（稀释后）AIGCNO
| Q4 25 | $1.36 | $1.02 | ||
| Q3 25 | $0.93 | $0.24 | ||
| Q2 25 | $1.98 | $0.91 | ||
| Q1 25 | $1.16 | $0.13 | ||
| Q4 24 | $1.34 | $1.58 | ||
| Q3 24 | $0.71 | $0.09 | ||
| Q2 24 | $-5.96 | $1.06 | ||
| Q1 24 | $1.74 | $1.01 |
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 | — | — |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | $2.6B |
| 总资产 | $161.3B | $38.8B |
| 负债/权益比越低杠杆越低 | 0.22× | — |
8季度趋势，按日历期对齐
总债务AIGCNO
| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.9B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIGCNO
| Q4 25 | $41.1B | $2.6B | ||
| Q3 25 | $41.1B | $2.6B | ||
| Q2 25 | $41.5B | $2.5B | ||
| Q1 25 | $41.4B | $2.5B | ||
| Q4 24 | $42.5B | $2.5B | ||
| Q3 24 | $45.0B | $2.7B | ||
| Q2 24 | $44.4B | $2.4B | ||
| Q1 24 | $43.4B | $2.4B |
总资产AIGCNO
| Q4 25 | $161.3B | $38.8B | ||
| Q3 25 | $163.4B | $38.3B | ||
| Q2 25 | $166.0B | $37.3B | ||
| Q1 25 | $161.9B | $37.4B | ||
| Q4 24 | $161.3B | $37.9B | ||
| Q3 24 | $169.4B | $37.6B | ||
| Q2 24 | $167.9B | $36.3B | ||
| Q1 24 | $544.1B | $34.9B |
负债/权益比AIGCNO
| Q4 25 | 0.22× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.21× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $636.0M | $195.7M |
| 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 | 0.87× | 1.94× |
| 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AIGCNO
| Q4 25 | $636.0M | $195.7M | ||
| Q3 25 | $1.3B | $197.8M | ||
| Q2 25 | $1.4B | $145.5M | ||
| Q1 25 | $-56.0M | $136.7M | ||
| Q4 24 | $125.0M | $191.0M | ||
| Q3 24 | $1.7B | $231.2M | ||
| Q2 24 | $930.0M | $110.9M | ||
| Q1 24 | $519.0M | $94.6M |
现金转化率AIGCNO
| Q4 25 | 0.87× | 1.94× | ||
| Q3 25 | 2.59× | 8.56× | ||
| Q2 25 | 1.22× | 1.58× | ||
| Q1 25 | -0.08× | 9.98× | ||
| Q4 24 | 0.14× | 1.15× | ||
| Q3 24 | 3.70× | 24.86× | ||
| Q2 24 | — | 0.95× | ||
| Q1 24 | 0.43× | 0.84× |
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
AIG
暂无分部数据
CNO
| Health Insurance Product Line | $496.4M | 43% |
| Life Insurance Segment | $268.8M | 24% |
| Other | $207.2M | 18% |
| Life And Annuity Insurance Product Line | $170.7M | 15% |
