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美国国际集团（AIG）与First American Financial Corp（FAF）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First American Financial Corp的3.2倍（$6.5B vs $2.0B）。美国国际集团净利率更高（11.2% vs 10.3%，领先0.9%）。美国国际集团同比增速更快（380.9% vs 21.6%）。过去两年First American Financial Corp的营收复合增速更高（19.9% 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。
第一美国金融公司是美国知名金融服务企业，主要面向房地产及抵押贷款行业开展业务，核心服务涵盖产权保险、房产交易与抵押业务相关的交割结算服务，在全球地产金融服务领域具备成熟的服务能力与较高的行业认可度。
AIG vs FAF — 直观对比
营收规模更大
AIG
是对方的3.2倍
$2.0B
营收增速更快
AIG
高出359.3%
21.6%
净利率更高
AIG
高出0.9%
10.3%
两年增速更快
FAF
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $2.0B |
| 净利润 | $735.0M | $211.9M |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | 14.0% |
| 净利率 | 11.2% | 10.3% |
| 营收同比 | 380.9% | 21.6% |
| 净利润同比 | -18.2% | 192.7% |
| 每股收益（稀释后） | $1.36 | $2.04 |
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AIGFAF
| Q4 25 | $6.5B | $2.0B | ||
| Q3 25 | $6.4B | $2.0B | ||
| Q2 25 | $7.1B | $1.8B | ||
| Q1 25 | $6.8B | $1.6B | ||
| Q4 24 | $1.4B | $1.7B | ||
| Q3 24 | $6.8B | $1.4B | ||
| Q2 24 | $6.6B | $1.6B | ||
| Q1 24 | $12.6B | $1.4B |
净利润AIGFAF
| Q4 25 | $735.0M | $211.9M | ||
| Q3 25 | $519.0M | $189.6M | ||
| Q2 25 | $1.1B | $146.1M | ||
| Q1 25 | $698.0M | $74.2M | ||
| Q4 24 | $898.0M | $72.4M | ||
| Q3 24 | $459.0M | $-104.0M | ||
| Q2 24 | $-4.0B | $116.0M | ||
| Q1 24 | $1.2B | $46.7M |
营业利润率AIGFAF
| Q4 25 | 10.1% | 14.0% | ||
| Q3 25 | 11.2% | 12.5% | ||
| Q2 25 | 21.8% | 10.6% | ||
| Q1 25 | 14.2% | 6.1% | ||
| Q4 24 | 40.6% | 5.9% | ||
| Q3 24 | 9.6% | -10.3% | ||
| Q2 24 | 9.4% | 9.4% | ||
| Q1 24 | 16.3% | 4.1% |
净利率AIGFAF
| Q4 25 | 11.2% | 10.3% | ||
| Q3 25 | 8.2% | 9.6% | ||
| Q2 25 | 16.1% | 7.9% | ||
| Q1 25 | 10.3% | 4.7% | ||
| Q4 24 | 65.9% | 4.3% | ||
| Q3 24 | 6.8% | -7.4% | ||
| Q2 24 | -60.6% | 7.2% | ||
| Q1 24 | 9.7% | 3.3% |
每股收益（稀释后）AIGFAF
| Q4 25 | $1.36 | $2.04 | ||
| Q3 25 | $0.93 | $1.84 | ||
| Q2 25 | $1.98 | $1.41 | ||
| Q1 25 | $1.16 | $0.71 | ||
| Q4 24 | $1.34 | $0.70 | ||
| Q3 24 | $0.71 | $-1.00 | ||
| Q2 24 | $-5.96 | $1.11 | ||
| Q1 24 | $1.74 | $0.45 |
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 | — | $1.4B |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | $5.5B |
| 总资产 | $161.3B | $16.2B |
| 负债/权益比越低杠杆越低 | 0.22× | — |
8季度趋势，按日历期对齐
现金及短期投资AIGFAF
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $2.9B | ||
| Q2 25 | — | $2.0B | ||
| Q1 25 | — | $2.0B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $3.0B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $1.5B |
总债务AIGFAF
| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.9B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIGFAF
| Q4 25 | $41.1B | $5.5B | ||
| Q3 25 | $41.1B | $5.3B | ||
| Q2 25 | $41.5B | $5.1B | ||
| Q1 25 | $41.4B | $5.0B | ||
| Q4 24 | $42.5B | $4.9B | ||
| Q3 24 | $45.0B | $5.1B | ||
| Q2 24 | $44.4B | $4.8B | ||
| Q1 24 | $43.4B | $4.8B |
总资产AIGFAF
| Q4 25 | $161.3B | $16.2B | ||
| Q3 25 | $163.4B | $17.6B | ||
| Q2 25 | $166.0B | $16.3B | ||
| Q1 25 | $161.9B | $15.5B | ||
| Q4 24 | $161.3B | $14.9B | ||
| Q3 24 | $169.4B | $16.6B | ||
| Q2 24 | $167.9B | $15.2B | ||
| Q1 24 | $544.1B | $14.7B |
负债/权益比AIGFAF
| 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 | $369.3M |
| 自由现金流经营现金流 - 资本支出 | — | $324.5M |
| 自由现金流率自由现金流/营收 | — | 15.8% |
| 资本支出强度资本支出/营收 | — | 2.2% |
| 现金转化率经营现金流/净利润 | 0.87× | 1.74× |
| 过去12个月自由现金流最近4个季度 | — | $762.5M |
8季度趋势，按日历期对齐
经营现金流AIGFAF
| Q4 25 | $636.0M | $369.3M | ||
| Q3 25 | $1.3B | $272.5M | ||
| Q2 25 | $1.4B | $361.8M | ||
| Q1 25 | $-56.0M | $-52.8M | ||
| Q4 24 | $125.0M | $324.6M | ||
| Q3 24 | $1.7B | $236.9M | ||
| Q2 24 | $930.0M | $266.7M | ||
| Q1 24 | $519.0M | $69.3M |
自由现金流AIGFAF
| Q4 25 | — | $324.5M | ||
| Q3 25 | — | $223.1M | ||
| Q2 25 | — | $309.4M | ||
| Q1 25 | — | $-94.5M | ||
| Q4 24 | — | $266.2M | ||
| Q3 24 | — | $185.4M | ||
| Q2 24 | — | $210.0M | ||
| Q1 24 | — | $17.6M |
自由现金流率AIGFAF
| Q4 25 | — | 15.8% | ||
| Q3 25 | — | 11.3% | ||
| Q2 25 | — | 16.8% | ||
| Q1 25 | — | -6.0% | ||
| Q4 24 | — | 15.8% | ||
| Q3 24 | — | 13.2% | ||
| Q2 24 | — | 13.0% | ||
| Q1 24 | — | 1.2% |
资本支出强度AIGFAF
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | 2.8% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 3.7% | ||
| Q2 24 | — | 3.5% | ||
| Q1 24 | — | 3.6% |
现金转化率AIGFAF
| Q4 25 | 0.87× | 1.74× | ||
| Q3 25 | 2.59× | 1.44× | ||
| Q2 25 | 1.22× | 2.48× | ||
| Q1 25 | -0.08× | -0.71× | ||
| Q4 24 | 0.14× | 4.48× | ||
| Q3 24 | 3.70× | — | ||
| Q2 24 | — | 2.30× | ||
| Q1 24 | 0.43× | 1.48× |
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
FAF
| Title Insurance And Services | $1.9B | 94% |
| Home Warranty | $110.3M | 5% |
