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美国国际集团（AIG）与Fidelity National Financial, Inc.（FNF）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Fidelity National Financial, Inc.的12.0倍（$6.5B vs $544.0M）。美国国际集团净利率更高（11.2% vs -21.5%，领先32.7%）。美国国际集团同比增速更快（380.9% vs 10.3%）。过去两年Fidelity National Financial, Inc.的营收复合增速更高（13.7% 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。
富达国民金融是美国财富500强企业，主要面向房地产与抵押贷款行业提供产权保险及交割服务，2019年其产权及房地产业务相关年度营收约为84.69亿美元，是全球领先的产权保险服务供应商。
AIG vs FNF — 直观对比
营收规模更大
AIG
是对方的12.0倍
$544.0M
营收增速更快
AIG
高出370.6%
10.3%
净利率更高
AIG
高出32.7%
-21.5%
两年增速更快
FNF
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $544.0M |
| 净利润 | $735.0M | $-117.0M |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | 82.9% |
| 净利率 | 11.2% | -21.5% |
| 营收同比 | 380.9% | 10.3% |
| 净利润同比 | -18.2% | -126.0% |
| 每股收益（稀释后） | $1.36 | $-0.44 |
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AIGFNF
| Q4 25 | $6.5B | $544.0M | ||
| Q3 25 | $6.4B | $553.0M | ||
| Q2 25 | $7.1B | $547.0M | ||
| Q1 25 | $6.8B | $455.0M | ||
| Q4 24 | $1.4B | $493.0M | ||
| Q3 24 | $6.8B | $506.0M | ||
| Q2 24 | $6.6B | $504.0M | ||
| Q1 24 | $12.6B | $421.0M |
净利润AIGFNF
| Q4 25 | $735.0M | $-117.0M | ||
| Q3 25 | $519.0M | $358.0M | ||
| Q2 25 | $1.1B | $278.0M | ||
| Q1 25 | $698.0M | $83.0M | ||
| Q4 24 | $898.0M | $450.0M | ||
| Q3 24 | $459.0M | $266.0M | ||
| Q2 24 | $-4.0B | $306.0M | ||
| Q1 24 | $1.2B | $248.0M |
营业利润率AIGFNF
| Q4 25 | 10.1% | 82.9% | ||
| Q3 25 | 11.2% | 81.9% | ||
| Q2 25 | 21.8% | 69.8% | ||
| Q1 25 | 14.2% | 24.4% | ||
| Q4 24 | 40.6% | — | ||
| Q3 24 | 9.6% | 61.9% | ||
| Q2 24 | 9.4% | 90.9% | ||
| Q1 24 | 16.3% | 78.6% |
净利率AIGFNF
| Q4 25 | 11.2% | -21.5% | ||
| Q3 25 | 8.2% | 64.7% | ||
| Q2 25 | 16.1% | 50.8% | ||
| Q1 25 | 10.3% | 18.2% | ||
| Q4 24 | 65.9% | 91.3% | ||
| Q3 24 | 6.8% | 52.6% | ||
| Q2 24 | -60.6% | 60.7% | ||
| Q1 24 | 9.7% | 58.9% |
每股收益（稀释后）AIGFNF
| Q4 25 | $1.36 | $-0.44 | ||
| Q3 25 | $0.93 | $1.33 | ||
| Q2 25 | $1.98 | $1.02 | ||
| Q1 25 | $1.16 | $0.30 | ||
| Q4 24 | $1.34 | $1.65 | ||
| Q3 24 | $0.71 | $0.97 | ||
| Q2 24 | $-5.96 | $1.12 | ||
| Q1 24 | $1.74 | $0.91 |
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 | — | $2.6B |
| 总债务越低越好 | $9.2B | $4.4B |
| 股东权益账面价值 | $41.1B | $7.4B |
| 总资产 | $161.3B | $109.0B |
| 负债/权益比越低杠杆越低 | 0.22× | 0.59× |
8季度趋势，按日历期对齐
现金及短期投资AIGFNF
| Q4 25 | — | $2.6B | ||
| Q3 25 | — | $3.5B | ||
| Q2 25 | — | $3.3B | ||
| Q1 25 | — | $4.5B | ||
| Q4 24 | — | $3.5B | ||
| Q3 24 | — | $5.0B | ||
| Q2 24 | — | $4.9B | ||
| Q1 24 | — | $3.5B |
总债务AIGFNF
| Q4 25 | $9.2B | $4.4B | ||
| Q3 25 | — | $4.4B | ||
| Q2 25 | — | $4.4B | ||
| Q1 25 | — | $4.4B | ||
| Q4 24 | $8.9B | $4.3B | ||
| Q3 24 | — | $4.2B | ||
| Q2 24 | — | $4.2B | ||
| Q1 24 | — | $3.9B |
股东权益AIGFNF
| Q4 25 | $41.1B | $7.4B | ||
| Q3 25 | $41.1B | $8.4B | ||
| Q2 25 | $41.5B | $7.9B | ||
| Q1 25 | $41.4B | $7.9B | ||
| Q4 24 | $42.5B | $7.8B | ||
| Q3 24 | $45.0B | $8.1B | ||
| Q2 24 | $44.4B | $7.3B | ||
| Q1 24 | $43.4B | $7.1B |
总资产AIGFNF
| Q4 25 | $161.3B | $109.0B | ||
| Q3 25 | $163.4B | $106.6B | ||
| Q2 25 | $166.0B | $102.3B | ||
| Q1 25 | $161.9B | $98.2B | ||
| Q4 24 | $161.3B | $95.4B | ||
| Q3 24 | $169.4B | $94.7B | ||
| Q2 24 | $167.9B | $88.8B | ||
| Q1 24 | $544.1B | $84.5B |
负债/权益比AIGFNF
| Q4 25 | 0.22× | 0.59× | ||
| Q3 25 | — | 0.53× | ||
| Q2 25 | — | 0.56× | ||
| Q1 25 | — | 0.56× | ||
| Q4 24 | 0.21× | 0.56× | ||
| Q3 24 | — | 0.52× | ||
| Q2 24 | — | 0.58× | ||
| Q1 24 | — | 0.55× |
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 | $1.5B |
| 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× | — |
| 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AIGFNF
| Q4 25 | $636.0M | $1.5B | ||
| Q3 25 | $1.3B | $1.3B | ||
| Q2 25 | $1.4B | $1.9B | ||
| Q1 25 | $-56.0M | $1.1B | ||
| Q4 24 | $125.0M | $1.5B | ||
| Q3 24 | $1.7B | $2.4B | ||
| Q2 24 | $930.0M | $1.4B | ||
| Q1 24 | $519.0M | $1.6B |
现金转化率AIGFNF
| Q4 25 | 0.87× | — | ||
| Q3 25 | 2.59× | 3.66× | ||
| Q2 25 | 1.22× | 6.82× | ||
| Q1 25 | -0.08× | 13.43× | ||
| Q4 24 | 0.14× | 3.32× | ||
| Q3 24 | 3.70× | 8.89× | ||
| Q2 24 | — | 4.45× | ||
| Q1 24 | 0.43× | 6.42× |
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
FNF
| Escrow Fees | $241.0M | 44% |
| Other Title Related Fees And Income | $182.0M | 33% |
| Service Link Excluding Title Premiums Escrow Fees And Subservicing Fees | $87.0M | 16% |
| Insurance Contracts Home Warranty | $31.0M | 6% |
