vs
美国国际集团（AIG）与ONITY GROUP INC.（ONIT）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ONITY GROUP INC.的22.6倍（$6.5B vs $290.0M）。ONITY GROUP INC.净利率更高（43.9% vs 11.2%，领先32.6%）。美国国际集团同比增速更快（380.9% vs 29.0%）。过去两年ONITY GROUP INC.的营收复合增速更高（10.1% 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。
奥尼提集团（原奥克文）是一家提供住宅及商业抵押贷款 servicing、特殊 servicing以及资产管理服务的供应商，业务性质也可概括为向房主收取每月本金与利息。公司成立于1988年，总部位于佛罗里达州西棕榈滩，在美国多地及菲律宾、印度都设有办公及支持运营点。
AIG vs ONIT — 直观对比
营收规模更大
AIG
是对方的22.6倍
$290.0M
营收增速更快
AIG
高出351.9%
29.0%
净利率更高
ONIT
高出32.6%
11.2%
两年增速更快
ONIT
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $290.0M |
| 净利润 | $735.0M | $127.2M |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | — |
| 净利率 | 11.2% | 43.9% |
| 营收同比 | 380.9% | 29.0% |
| 净利润同比 | -18.2% | 552.7% |
| 每股收益（稀释后） | $1.36 | $14.53 |
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AIGONIT
| Q4 25 | $6.5B | $290.0M | ||
| Q3 25 | $6.4B | $280.3M | ||
| Q2 25 | $7.1B | $246.6M | ||
| Q1 25 | $6.8B | $249.8M | ||
| Q4 24 | $1.4B | $224.8M | ||
| Q3 24 | $6.8B | $265.7M | ||
| Q2 24 | $6.6B | $246.4M | ||
| Q1 24 | $12.6B | $239.1M |
净利润AIGONIT
| Q4 25 | $735.0M | $127.2M | ||
| Q3 25 | $519.0M | $18.7M | ||
| Q2 25 | $1.1B | $21.5M | ||
| Q1 25 | $698.0M | $22.1M | ||
| Q4 24 | $898.0M | $-28.1M | ||
| Q3 24 | $459.0M | $21.4M | ||
| Q2 24 | $-4.0B | $10.5M | ||
| Q1 24 | $1.2B | $30.1M |
营业利润率AIGONIT
| Q4 25 | 10.1% | — | ||
| Q3 25 | 11.2% | — | ||
| Q2 25 | 21.8% | — | ||
| Q1 25 | 14.2% | 3.6% | ||
| Q4 24 | 40.6% | -14.9% | ||
| Q3 24 | 9.6% | 10.4% | ||
| Q2 24 | 9.4% | 5.5% | ||
| Q1 24 | 16.3% | 13.3% |
净利率AIGONIT
| Q4 25 | 11.2% | 43.9% | ||
| Q3 25 | 8.2% | 6.7% | ||
| Q2 25 | 16.1% | 8.7% | ||
| Q1 25 | 10.3% | 8.8% | ||
| Q4 24 | 65.9% | -12.5% | ||
| Q3 24 | 6.8% | 8.1% | ||
| Q2 24 | -60.6% | 4.3% | ||
| Q1 24 | 9.7% | 12.6% |
每股收益（稀释后）AIGONIT
| Q4 25 | $1.36 | $14.53 | ||
| Q3 25 | $0.93 | $2.03 | ||
| Q2 25 | $1.98 | $2.40 | ||
| Q1 25 | $1.16 | $2.50 | ||
| Q4 24 | $1.34 | $-3.59 | ||
| Q3 24 | $0.71 | $2.65 | ||
| Q2 24 | $-5.96 | $1.33 | ||
| Q1 24 | $1.74 | $3.74 |
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 | — | $180.5M |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | $627.9M |
| 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AIGONIT
| Q4 25 | — | $180.5M | ||
| Q3 25 | — | $172.8M | ||
| Q2 25 | — | $194.3M | ||
| Q1 25 | — | $178.0M | ||
| Q4 24 | — | $184.8M | ||
| Q3 24 | — | $201.6M | ||
| Q2 24 | — | $203.1M | ||
| Q1 24 | — | $185.1M |
总债务AIGONIT
| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.9B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIGONIT
| Q4 25 | $41.1B | $627.9M | ||
| Q3 25 | $41.1B | $501.4M | ||
| Q2 25 | $41.5B | $481.9M | ||
| Q1 25 | $41.4B | $460.2M | ||
| Q4 24 | $42.5B | $442.9M | ||
| Q3 24 | $45.0B | $468.2M | ||
| Q2 24 | $44.4B | $446.2M | ||
| Q1 24 | $43.4B | $432.1M |
总资产AIGONIT
| Q4 25 | $161.3B | $16.2B | ||
| Q3 25 | $163.4B | $16.1B | ||
| Q2 25 | $166.0B | $16.5B | ||
| Q1 25 | $161.9B | $16.3B | ||
| Q4 24 | $161.3B | $16.4B | ||
| Q3 24 | $169.4B | $13.2B | ||
| Q2 24 | $167.9B | $13.1B | ||
| Q1 24 | $544.1B | $13.1B |
负债/权益比AIGONIT
| 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 | $-230.6M |
| 自由现金流经营现金流 - 资本支出 | — | $-232.5M |
| 自由现金流率自由现金流/营收 | — | -80.2% |
| 资本支出强度资本支出/营收 | — | 0.7% |
| 现金转化率经营现金流/净利润 | 0.87× | -1.81× |
| 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AIGONIT
| Q4 25 | $636.0M | $-230.6M | ||
| Q3 25 | $1.3B | $229.5M | ||
| Q2 25 | $1.4B | $-598.8M | ||
| Q1 25 | $-56.0M | $-148.1M | ||
| Q4 24 | $125.0M | $-218.0M | ||
| Q3 24 | $1.7B | $19.2M | ||
| Q2 24 | $930.0M | $-77.9M | ||
| Q1 24 | $519.0M | $-297.1M |
自由现金流AIGONIT
| Q4 25 | — | $-232.5M | ||
| Q3 25 | — | $228.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $-148.4M | ||
| Q4 24 | — | $-218.5M | ||
| Q3 24 | — | $19.1M | ||
| Q2 24 | — | $-78.0M | ||
| Q1 24 | — | $-297.2M |
自由现金流率AIGONIT
| Q4 25 | — | -80.2% | ||
| Q3 25 | — | 81.6% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -59.4% | ||
| Q4 24 | — | -97.2% | ||
| Q3 24 | — | 7.2% | ||
| Q2 24 | — | -31.7% | ||
| Q1 24 | — | -124.3% |
资本支出强度AIGONIT
| Q4 25 | — | 0.7% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.0% |
现金转化率AIGONIT
| Q4 25 | 0.87× | -1.81× | ||
| Q3 25 | 2.59× | 12.27× | ||
| Q2 25 | 1.22× | -27.85× | ||
| Q1 25 | -0.08× | -6.70× | ||
| Q4 24 | 0.14× | — | ||
| Q3 24 | 3.70× | 0.90× | ||
| Q2 24 | — | -7.42× | ||
| Q1 24 | 0.43× | -9.87× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
