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美国国际集团（AIG）与LESAKA TECHNOLOGIES INC（LSAK）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LESAKA TECHNOLOGIES INC的36.6倍（$6.5B vs $178.7M）。美国国际集团净利率更高（11.2% vs 2.0%，领先9.2%）。美国国际集团同比增速更快（380.9% vs 21.7%）。过去两年LESAKA TECHNOLOGIES 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。
莱萨卡科技是一家总部位于南非的金融科技公司，目前同时在纳斯达克交易所与约翰内斯堡证券交易所挂牌上市。公司核心业务聚焦于金融普惠，面向此前金融服务覆盖不足的社区与商户提供各类金融服务。
AIG vs LSAK — 直观对比
营收规模更大
AIG
是对方的36.6倍
$178.7M
营收增速更快
AIG
高出359.2%
21.7%
净利率更高
AIG
高出9.2%
2.0%
两年增速更快
LSAK
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $178.7M |
| 净利润 | $735.0M | $3.6M |
| 毛利率 | — | 31.4% |
| 营业利润率 | 10.1% | 1.2% |
| 净利率 | 11.2% | 2.0% |
| 营收同比 | 380.9% | 21.7% |
| 净利润同比 | -18.2% | 111.3% |
| 每股收益（稀释后） | $1.36 | $0.04 |
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AIGLSAK
| Q4 25 | $6.5B | $178.7M | ||
| Q3 25 | $6.4B | $171.4M | ||
| Q2 25 | $7.1B | $168.5M | ||
| Q1 25 | $6.8B | $161.4M | ||
| Q4 24 | $1.4B | $176.2M | ||
| Q3 24 | $6.8B | $153.6M | ||
| Q2 24 | $6.6B | $146.0M | ||
| Q1 24 | $12.6B | $138.2M |
净利润AIGLSAK
| Q4 25 | $735.0M | $3.6M | ||
| Q3 25 | $519.0M | $-4.3M | ||
| Q2 25 | $1.1B | $-28.4M | ||
| Q1 25 | $698.0M | $-22.1M | ||
| Q4 24 | $898.0M | $-32.5M | ||
| Q3 24 | $459.0M | $-4.5M | ||
| Q2 24 | $-4.0B | $-5.0M | ||
| Q1 24 | $1.2B | $-4.0M |
毛利率AIGLSAK
| Q4 25 | — | 31.4% | ||
| Q3 25 | — | 30.9% | ||
| Q2 25 | — | 28.9% | ||
| Q1 25 | — | 27.5% | ||
| Q4 24 | — | 25.7% | ||
| Q3 24 | — | 22.6% | ||
| Q2 24 | — | 22.6% | ||
| Q1 24 | — | 22.0% |
营业利润率AIGLSAK
| Q4 25 | 10.1% | 1.2% | ||
| Q3 25 | 11.2% | 0.2% | ||
| Q2 25 | 21.8% | -16.7% | ||
| Q1 25 | 14.2% | 0.4% | ||
| Q4 24 | 40.6% | 0.3% | ||
| Q3 24 | 9.6% | -0.0% | ||
| Q2 24 | 9.4% | 0.2% | ||
| Q1 24 | 16.3% | 0.6% |
净利率AIGLSAK
| Q4 25 | 11.2% | 2.0% | ||
| Q3 25 | 8.2% | -2.5% | ||
| Q2 25 | 16.1% | -16.9% | ||
| Q1 25 | 10.3% | -13.7% | ||
| Q4 24 | 65.9% | -18.4% | ||
| Q3 24 | 6.8% | -3.0% | ||
| Q2 24 | -60.6% | -3.4% | ||
| Q1 24 | 9.7% | -2.9% |
每股收益（稀释后）AIGLSAK
| Q4 25 | $1.36 | $0.04 | ||
| Q3 25 | $0.93 | $-0.05 | ||
| Q2 25 | $1.98 | $-0.40 | ||
| Q1 25 | $1.16 | $-0.27 | ||
| Q4 24 | $1.34 | $-0.40 | ||
| Q3 24 | $0.71 | $-0.07 | ||
| Q2 24 | $-5.96 | $-0.08 | ||
| Q1 24 | $1.74 | $-0.06 |
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 | — | $69.5M |
| 总债务越低越好 | $9.2B | $216.8M |
| 股东权益账面价值 | $41.1B | $180.6M |
| 总资产 | $161.3B | $704.6M |
| 负债/权益比越低杠杆越低 | 0.22× | 1.20× |
8季度趋势，按日历期对齐
现金及短期投资AIGLSAK
| Q4 25 | — | $69.5M | ||
| Q3 25 | — | $72.2M | ||
| Q2 25 | — | $76.5M | ||
| Q1 25 | — | $71.0M | ||
| Q4 24 | — | $60.6M | ||
| Q3 24 | — | $49.7M | ||
| Q2 24 | — | $59.1M | ||
| Q1 24 | — | $55.2M |
总债务AIGLSAK
| Q4 25 | $9.2B | $216.8M | ||
| Q3 25 | — | $208.1M | ||
| Q2 25 | — | $200.8M | ||
| Q1 25 | — | $194.7M | ||
| Q4 24 | $8.9B | $148.7M | ||
| Q3 24 | — | $148.5M | ||
| Q2 24 | — | $143.2M | ||
| Q1 24 | — | $135.7M |
股东权益AIGLSAK
| Q4 25 | $41.1B | $180.6M | ||
| Q3 25 | $41.1B | $170.4M | ||
| Q2 25 | $41.5B | $161.6M | ||
| Q1 25 | $41.4B | $185.2M | ||
| Q4 24 | $42.5B | $193.3M | ||
| Q3 24 | $45.0B | $184.2M | ||
| Q2 24 | $44.4B | $175.9M | ||
| Q1 24 | $43.4B | $173.1M |
总资产AIGLSAK
| Q4 25 | $161.3B | $704.6M | ||
| Q3 25 | $163.4B | $652.9M | ||
| Q2 25 | $166.0B | $653.7M | ||
| Q1 25 | $161.9B | $649.2M | ||
| Q4 24 | $161.3B | $640.6M | ||
| Q3 24 | $169.4B | $551.9M | ||
| Q2 24 | $167.9B | $558.5M | ||
| Q1 24 | $544.1B | $551.5M |
负债/权益比AIGLSAK
| Q4 25 | 0.22× | 1.20× | ||
| Q3 25 | — | 1.22× | ||
| Q2 25 | — | 1.24× | ||
| Q1 25 | — | 1.05× | ||
| Q4 24 | 0.21× | 0.77× | ||
| Q3 24 | — | 0.81× | ||
| Q2 24 | — | 0.81× | ||
| Q1 24 | — | 0.78× |
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 | $-10.9M |
| 自由现金流经营现金流 - 资本支出 | — | $-14.8M |
| 自由现金流率自由现金流/营收 | — | -8.3% |
| 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× | -2.99× |
| 过去12个月自由现金流最近4个季度 | — | $-12.6M |
8季度趋势，按日历期对齐
经营现金流AIGLSAK
| Q4 25 | $636.0M | $-10.9M | ||
| Q3 25 | $1.3B | $8.9M | ||
| Q2 25 | $1.4B | $-6.5M | ||
| Q1 25 | $-56.0M | $10.7M | ||
| Q4 24 | $125.0M | $-9.2M | ||
| Q3 24 | $1.7B | $-4.1M | ||
| Q2 24 | $930.0M | $5.7M | ||
| Q1 24 | $519.0M | $19.2M |
自由现金流AIGLSAK
| Q4 25 | — | $-14.8M | ||
| Q3 25 | — | $4.9M | ||
| Q2 25 | — | $-10.6M | ||
| Q1 25 | — | $7.8M | ||
| Q4 24 | — | $-15.5M | ||
| Q3 24 | — | $-8.1M | ||
| Q2 24 | — | $937.0K | ||
| Q1 24 | — | $16.2M |
自由现金流率AIGLSAK
| Q4 25 | — | -8.3% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | -6.3% | ||
| Q1 25 | — | 4.9% | ||
| Q4 24 | — | -8.8% | ||
| Q3 24 | — | -5.3% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 11.7% |
资本支出强度AIGLSAK
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 3.2% | ||
| Q1 24 | — | 2.1% |
现金转化率AIGLSAK
| Q4 25 | 0.87× | -2.99× | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 1.22× | — | ||
| Q1 25 | -0.08× | — | ||
| Q4 24 | 0.14× | — | ||
| Q3 24 | 3.70× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.43× | — |
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
LSAK
| Telecom Products And Services | $82.0M | 46% |
| Processing Fees | $37.6M | 21% |
| Enterprise Segment | $14.5M | 8% |
| Rest Of Africa | $10.9M | 6% |
| Technology Products | $8.6M | 5% |
| Insurance Revenue | $7.9M | 4% |
| Lending Revenue | $7.2M | 4% |
| Other | $6.7M | 4% |
| Interest From Customer | $2.1M | 1% |
| Other Products And Services | $1.2M | 1% |
