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美国国际集团（AIG）与PennyMac Financial Services, Inc.（PFSI）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PennyMac Financial Services, Inc.的1074.5倍（$6.5B vs $6.1M）。PennyMac Financial Services, Inc.净利率更高（1752.5% vs 11.2%，领先1741.3%）。美国国际集团同比增速更快（380.9% vs 49.3%）。过去两年PennyMac Financial Services, Inc.的营收复合增速更高（29.8% 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。
PennyMac Financial Services是总部位于美国加利福尼亚州西湖村的住宅抵押贷款企业，核心业务涵盖美国抵押贷款的发放、贷后服务，以及抵押贷款市场相关投资管理。公司下设两家子公司，其中PNMAC资本管理有限公司负责运营旗下的抵押贷款不动产投资信托（REIT）PennyMac Mortgage Investment Trust。
AIG vs PFSI — 直观对比
营收规模更大
AIG
是对方的1074.5倍
$6.1M
营收增速更快
AIG
高出331.6%
49.3%
净利率更高
PFSI
高出1741.3%
11.2%
两年增速更快
PFSI
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $6.1M |
| 净利润 | $735.0M | $106.8M |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | — |
| 净利率 | 11.2% | 1752.5% |
| 营收同比 | 380.9% | 49.3% |
| 净利润同比 | -18.2% | 2.2% |
| 每股收益（稀释后） | $1.36 | $1.97 |
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AIGPFSI
| Q4 25 | $6.5B | $6.1M | ||
| Q3 25 | $6.4B | $4.6M | ||
| Q2 25 | $7.1B | $4.5M | ||
| Q1 25 | $6.8B | $4.9M | ||
| Q4 24 | $1.4B | $4.1M | ||
| Q3 24 | $6.8B | $3.4M | ||
| Q2 24 | $6.6B | $15.7M | ||
| Q1 24 | $12.6B | $3.6M |
净利润AIGPFSI
| Q4 25 | $735.0M | $106.8M | ||
| Q3 25 | $519.0M | $181.5M | ||
| Q2 25 | $1.1B | $136.5M | ||
| Q1 25 | $698.0M | $76.3M | ||
| Q4 24 | $898.0M | $104.5M | ||
| Q3 24 | $459.0M | $69.4M | ||
| Q2 24 | $-4.0B | $98.3M | ||
| Q1 24 | $1.2B | $39.3M |
营业利润率AIGPFSI
| Q4 25 | 10.1% | — | ||
| Q3 25 | 11.2% | — | ||
| Q2 25 | 21.8% | — | ||
| Q1 25 | 14.2% | — | ||
| Q4 24 | 40.6% | — | ||
| Q3 24 | 9.6% | — | ||
| Q2 24 | 9.4% | — | ||
| Q1 24 | 16.3% | — |
净利率AIGPFSI
| Q4 25 | 11.2% | 1752.5% | ||
| Q3 25 | 8.2% | 3964.7% | ||
| Q2 25 | 16.1% | 3021.8% | ||
| Q1 25 | 10.3% | 1551.0% | ||
| Q4 24 | 65.9% | 2559.8% | ||
| Q3 24 | 6.8% | 2017.7% | ||
| Q2 24 | -60.6% | 624.6% | ||
| Q1 24 | 9.7% | 1086.8% |
每股收益（稀释后）AIGPFSI
| Q4 25 | $1.36 | $1.97 | ||
| Q3 25 | $0.93 | $3.37 | ||
| Q2 25 | $1.98 | $2.54 | ||
| Q1 25 | $1.16 | $1.42 | ||
| Q4 24 | $1.34 | $1.95 | ||
| Q3 24 | $0.71 | $1.30 | ||
| Q2 24 | $-5.96 | $1.85 | ||
| Q1 24 | $1.74 | $0.74 |
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 | — | $410.0M |
| 总债务越低越好 | $9.2B | $6.2B |
| 股东权益账面价值 | $41.1B | $4.3B |
| 总资产 | $161.3B | $29.4B |
| 负债/权益比越低杠杆越低 | 0.22× | 1.45× |
8季度趋势，按日历期对齐
现金及短期投资AIGPFSI
| Q4 25 | — | $410.0M | ||
| Q3 25 | — | $62.2M | ||
| Q2 25 | — | $462.3M | ||
| Q1 25 | — | $443.4M | ||
| Q4 24 | — | $420.6M | ||
| Q3 24 | — | $667.9M | ||
| Q2 24 | — | $188.8M | ||
| Q1 24 | — | $69.0K |
总债务AIGPFSI
| Q4 25 | $9.2B | $6.2B | ||
| Q3 25 | — | $6.2B | ||
| Q2 25 | — | $5.6B | ||
| Q1 25 | — | $5.8B | ||
| Q4 24 | $8.9B | $5.3B | ||
| Q3 24 | — | $4.9B | ||
| Q2 24 | — | $4.9B | ||
| Q1 24 | — | $4.5B |
股东权益AIGPFSI
| Q4 25 | $41.1B | $4.3B | ||
| Q3 25 | $41.1B | $4.2B | ||
| Q2 25 | $41.5B | $4.0B | ||
| Q1 25 | $41.4B | $3.9B | ||
| Q4 24 | $42.5B | $3.8B | ||
| Q3 24 | $45.0B | $3.7B | ||
| Q2 24 | $44.4B | $3.7B | ||
| Q1 24 | $43.4B | $3.6B |
总资产AIGPFSI
| Q4 25 | $161.3B | $29.4B | ||
| Q3 25 | $163.4B | $25.4B | ||
| Q2 25 | $166.0B | $24.2B | ||
| Q1 25 | $161.9B | $23.9B | ||
| Q4 24 | $161.3B | $26.1B | ||
| Q3 24 | $169.4B | $22.9B | ||
| Q2 24 | $167.9B | $21.6B | ||
| Q1 24 | $544.1B | $19.8B |
负债/权益比AIGPFSI
| Q4 25 | 0.22× | 1.45× | ||
| Q3 25 | — | 1.48× | ||
| Q2 25 | — | 1.38× | ||
| Q1 25 | — | 1.48× | ||
| Q4 24 | 0.21× | 1.37× | ||
| Q3 24 | — | 1.32× | ||
| Q2 24 | — | 1.35× | ||
| Q1 24 | — | 1.27× |
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 | $-1.9B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.9B |
| 自由现金流率自由现金流/营收 | — | -31125.7% |
| 资本支出强度资本支出/营收 | — | 134.0% |
| 现金转化率经营现金流/净利润 | 0.87× | -17.68× |
| 过去12个月自由现金流最近4个季度 | — | $-1.7B |
8季度趋势，按日历期对齐
经营现金流AIGPFSI
| Q4 25 | $636.0M | $-1.9B | ||
| Q3 25 | $1.3B | $-697.4M | ||
| Q2 25 | $1.4B | $-131.3M | ||
| Q1 25 | $-56.0M | $1.1B | ||
| Q4 24 | $125.0M | $-2.1B | ||
| Q3 24 | $1.7B | $-393.7M | ||
| Q2 24 | $930.0M | $-1.1B | ||
| Q1 24 | $519.0M | $-897.9M |
自由现金流AIGPFSI
| Q4 25 | — | $-1.9B | ||
| Q3 25 | — | $-699.4M | ||
| Q2 25 | — | $-132.6M | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $-2.1B | ||
| Q3 24 | — | $-393.9M | ||
| Q2 24 | — | $-1.1B | ||
| Q1 24 | — | $-898.9M |
自由现金流率AIGPFSI
| Q4 25 | — | -31125.7% | ||
| Q3 25 | — | -15278.5% | ||
| Q2 25 | — | -2936.7% | ||
| Q1 25 | — | 21667.1% | ||
| Q4 24 | — | -52645.4% | ||
| Q3 24 | — | -11456.0% | ||
| Q2 24 | — | -6949.9% | ||
| Q1 24 | — | -24850.9% |
资本支出强度AIGPFSI
| Q4 25 | — | 134.0% | ||
| Q3 25 | — | 45.3% | ||
| Q2 25 | — | 28.9% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 4.3% | ||
| Q2 24 | — | 2.5% | ||
| Q1 24 | — | 25.4% |
现金转化率AIGPFSI
| Q4 25 | 0.87× | -17.68× | ||
| Q3 25 | 2.59× | -3.84× | ||
| Q2 25 | 1.22× | -0.96× | ||
| Q1 25 | -0.08× | 13.97× | ||
| Q4 24 | 0.14× | -20.56× | ||
| Q3 24 | 3.70× | -5.68× | ||
| Q2 24 | — | -11.12× | ||
| Q1 24 | 0.43× | -22.84× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
