vs
美国国际集团（AIG）与LM FUNDING AMERICA, INC.（LMFA）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LM FUNDING AMERICA, INC.的2767.5倍（$6.5B vs $2.4M），美国国际集团同比增速更快（380.9% vs 19.2%），过去两年美国国际集团的营收复合增速更高（-18.4% vs -29.4%）
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。
LM Funding America, Inc.是一家总部位于美国的专业金融服务企业，主要业务为收购、管理及处置逾期不动产税收留置权，服务于美国多地地方政府机构与房地产市场参与主体，核心业务板块聚焦于财产税债权相关的另类资产投资。
AIG vs LMFA — 直观对比
营收规模更大
AIG
是对方的2767.5倍
$2.4M
LM
营收增速更快
AIG
高出361.7%
19.2%
LM
两年增速更快
AIG
近两年复合增速
-29.4%
LM
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | LM LMFA |
|---|---|---|
| 营收 | $6.5B | $2.4M |
| 净利润 | $735.0M | — |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | — |
| 净利率 | 11.2% | — |
| 营收同比 | 380.9% | 19.2% |
| 净利润同比 | -18.2% | — |
| 每股收益（稀释后） | $1.36 | — |
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AIG
LM
LMFA| Q4 25 | $6.5B | $2.4M | ||
| Q3 25 | $6.4B | $2.2M | ||
| Q2 25 | $7.1B | $1.9M | ||
| Q1 25 | $6.8B | $2.4M | ||
| Q4 24 | — | $2.0M | ||
| Q3 24 | $6.8B | $1.3M | ||
| Q2 24 | $6.6B | $3.0M | ||
| Q1 24 | $12.6B | $4.7M |
净利润AIG
LM
LMFA| Q4 25 | $735.0M | — | ||
| Q3 25 | $519.0M | $-3.7M | ||
| Q2 25 | $1.1B | $100.6K | ||
| Q1 25 | $698.0M | $-5.4M | ||
| Q4 24 | — | — | ||
| Q3 24 | $459.0M | $-4.3M | ||
| Q2 24 | $-4.0B | $-5.6M | ||
| Q1 24 | $1.2B | $1.9M |
营业利润率AIG
LM
LMFA| Q4 25 | 10.1% | — | ||
| Q3 25 | 11.2% | -161.5% | ||
| Q2 25 | 21.8% | 22.0% | ||
| Q1 25 | 14.2% | -215.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | 9.6% | -318.6% | ||
| Q2 24 | 9.4% | -143.2% | ||
| Q1 24 | 16.3% | 21.2% |
净利率AIG
LM
LMFA| Q4 25 | 11.2% | — | ||
| Q3 25 | 8.2% | -171.2% | ||
| Q2 25 | 16.1% | 5.2% | ||
| Q1 25 | 10.3% | -227.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | 6.8% | -341.2% | ||
| Q2 24 | -60.6% | -186.2% | ||
| Q1 24 | 9.7% | 40.9% |
每股收益（稀释后）AIG
LM
LMFA| Q4 25 | $1.36 | — | ||
| Q3 25 | $0.93 | $-0.41 | ||
| Q2 25 | $1.98 | $0.02 | ||
| Q1 25 | $1.16 | $-1.05 | ||
| Q4 24 | — | — | ||
| Q3 24 | $0.71 | $-2.25 | ||
| Q2 24 | $-5.96 | $-2.26 | ||
| Q1 24 | $1.74 | $0.80 |
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 | | LM LMFA |
|---|---|---|
| 现金及短期投资手头流动性 | — | $37.4K |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | $30.6M |
| 总资产 | $161.3B | $51.3M |
| 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AIG
LM
LMFA| Q4 25 | — | $37.4K | ||
| Q3 25 | — | $23.6K | ||
| Q2 25 | — | $13.2K | ||
| Q1 25 | — | $18.3K | ||
| Q4 24 | — | $27.1K | ||
| Q3 24 | — | $18.8K | ||
| Q2 24 | — | $22.1K | ||
| Q1 24 | — | $15.7K |
总债务AIG
LM
LMFA| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIG
LM
LMFA| Q4 25 | $41.1B | $30.6M | ||
| Q3 25 | $41.1B | $50.1M | ||
| Q2 25 | $41.5B | $31.9M | ||
| Q1 25 | $41.4B | $31.7M | ||
| Q4 24 | — | $37.0M | ||
| Q3 24 | $45.0B | $30.2M | ||
| Q2 24 | $44.4B | $32.5M | ||
| Q1 24 | $43.4B | $38.5M |
总资产AIG
LM
LMFA| Q4 25 | $161.3B | $51.3M | ||
| Q3 25 | $163.4B | $60.2M | ||
| Q2 25 | $166.0B | $39.0M | ||
| Q1 25 | $161.9B | $39.1M | ||
| Q4 24 | — | $44.0M | ||
| Q3 24 | $169.4B | $37.9M | ||
| Q2 24 | $167.9B | $35.1M | ||
| Q1 24 | $544.1B | $40.6M |
负债/权益比AIG
LM
LMFA| Q4 25 | 0.22× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| 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 | | LM LMFA |
|---|---|---|
| 经营现金流最新季度 | $636.0M | $-14.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-16.2M |
| 自由现金流率自由现金流/营收 | — | -684.3% |
| 资本支出强度资本支出/营收 | — | 93.2% |
| 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 | — | $-25.6M |
8季度趋势，按日历期对齐
经营现金流AIG
LM
LMFA| Q4 25 | $636.0M | $-14.0M | ||
| Q3 25 | $1.3B | $-3.1M | ||
| Q2 25 | $1.4B | $-2.8M | ||
| Q1 25 | $-56.0M | $-2.9M | ||
| Q4 24 | — | $-11.9M | ||
| Q3 24 | $1.7B | $-2.7M | ||
| Q2 24 | $930.0M | $-3.0M | ||
| Q1 24 | $519.0M | $-3.0M |
自由现金流AIG
LM
LMFA| Q4 25 | — | $-16.2M | ||
| Q3 25 | — | $-3.3M | ||
| Q2 25 | — | $-3.0M | ||
| Q1 25 | — | $-3.1M | ||
| Q4 24 | — | $-13.7M | ||
| Q3 24 | — | $-2.7M | ||
| Q2 24 | — | $-4.2M | ||
| Q1 24 | — | — |
自由现金流率AIG
LM
LMFA| Q4 25 | — | -684.3% | ||
| Q3 25 | — | -152.1% | ||
| Q2 25 | — | -156.7% | ||
| Q1 25 | — | -129.4% | ||
| Q4 24 | — | -689.0% | ||
| Q3 24 | — | -215.3% | ||
| Q2 24 | — | -140.9% | ||
| Q1 24 | — | — |
资本支出强度AIG
LM
LMFA| Q4 25 | — | 93.2% | ||
| Q3 25 | — | 11.9% | ||
| Q2 25 | — | 10.7% | ||
| Q1 25 | — | 7.2% | ||
| Q4 24 | — | 87.3% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 40.7% | ||
| Q1 24 | — | 0.0% |
现金转化率AIG
LM
LMFA| Q4 25 | 0.87× | — | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 1.22× | -27.99× | ||
| Q1 25 | -0.08× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.70× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.43× | -1.53× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
