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美国国际集团（AIG）与Progressive Corporation（PGR）财务数据对比。点击上方公司名可切换其他公司
Progressive Corporation的季度营收约是美国国际集团的3.5倍（$22.7B vs $6.5B），Progressive Corporation净利率更高（13.0% vs 11.2%，领先1.8%），美国国际集团同比增速更快（380.9% vs 12.2%），过去两年Progressive Corporation的营收复合增速更高（14.9% vs -18.4%）
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。
美国Progressive Corporation是1937年由杰克·格林与约瑟夫·M·刘易斯联合创立的保险公司，总部位于俄亥俄州梅菲尔德，是美国第二大汽车保险服务商，仅次于州立农业保险。其业务覆盖乘用车、摩托车、房车、船只、商用车等险种，同时通过合作机构提供家财险、寿险、宠物险等多元保险产品。
AIG vs PGR — 直观对比
营收规模更大
PGR
是对方的3.5倍
$6.5B
营收增速更快
AIG
高出368.7%
12.2%
净利率更高
PGR
高出1.8%
11.2%
两年增速更快
PGR
近两年复合增速
-18.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $22.7B |
| 净利润 | $735.0M | $3.0B |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | 16.2% |
| 净利率 | 11.2% | 13.0% |
| 营收同比 | 380.9% | 12.2% |
| 净利润同比 | -18.2% | 25.3% |
| 每股收益（稀释后） | $1.36 | $5.01 |
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AIGPGR
| Q4 25 | $6.5B | $22.7B | ||
| Q3 25 | $6.4B | $22.5B | ||
| Q2 25 | $7.1B | $22.0B | ||
| Q1 25 | $6.8B | $20.4B | ||
| Q4 24 | — | $20.3B | ||
| Q3 24 | $6.8B | $19.7B | ||
| Q2 24 | $6.6B | $18.1B | ||
| Q1 24 | $12.6B | $17.2B |
净利润AIGPGR
| Q4 25 | $735.0M | $3.0B | ||
| Q3 25 | $519.0M | $2.6B | ||
| Q2 25 | $1.1B | $3.2B | ||
| Q1 25 | $698.0M | $2.6B | ||
| Q4 24 | — | $2.4B | ||
| Q3 24 | $459.0M | $2.3B | ||
| Q2 24 | $-4.0B | $1.5B | ||
| Q1 24 | $1.2B | $2.3B |
营业利润率AIGPGR
| Q4 25 | 10.1% | 16.2% | ||
| Q3 25 | 11.2% | 14.8% | ||
| Q2 25 | 21.8% | 18.1% | ||
| Q1 25 | 14.2% | 15.9% | ||
| Q4 24 | — | 14.6% | ||
| Q3 24 | 9.6% | 14.9% | ||
| Q2 24 | 9.4% | 10.3% | ||
| Q1 24 | 16.3% | 17.1% |
净利率AIGPGR
| Q4 25 | 11.2% | 13.0% | ||
| Q3 25 | 8.2% | 11.6% | ||
| Q2 25 | 16.1% | 14.4% | ||
| Q1 25 | 10.3% | 12.6% | ||
| Q4 24 | — | 11.6% | ||
| Q3 24 | 6.8% | 11.8% | ||
| Q2 24 | -60.6% | 8.0% | ||
| Q1 24 | 9.7% | 13.5% |
每股收益（稀释后）AIGPGR
| Q4 25 | $1.36 | $5.01 | ||
| Q3 25 | $0.93 | $4.45 | ||
| Q2 25 | $1.98 | $5.40 | ||
| Q1 25 | $1.16 | $4.37 | ||
| Q4 24 | — | $4.01 | ||
| Q3 24 | $0.71 | $3.97 | ||
| Q2 24 | $-5.96 | $2.48 | ||
| Q1 24 | $1.74 | $3.94 |
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 | — | $10.0B |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | $30.3B |
| 总资产 | $161.3B | $123.0B |
| 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AIGPGR
| Q4 25 | — | $10.0B | ||
| Q3 25 | — | $1.5B | ||
| Q2 25 | — | $2.1B | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $615.0M | ||
| Q3 24 | — | $757.0M | ||
| Q2 24 | — | $733.0M | ||
| Q1 24 | — | $1.3B |
总债务AIGPGR
| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIGPGR
| Q4 25 | $41.1B | $30.3B | ||
| Q3 25 | $41.1B | $35.4B | ||
| Q2 25 | $41.5B | $32.6B | ||
| Q1 25 | $41.4B | $29.0B | ||
| Q4 24 | — | $25.6B | ||
| Q3 24 | $45.0B | $27.2B | ||
| Q2 24 | $44.4B | $23.3B | ||
| Q1 24 | $43.4B | $21.8B |
总资产AIGPGR
| Q4 25 | $161.3B | $123.0B | ||
| Q3 25 | $163.4B | $121.5B | ||
| Q2 25 | $166.0B | $115.5B | ||
| Q1 25 | $161.9B | $111.4B | ||
| Q4 24 | — | $105.7B | ||
| Q3 24 | $169.4B | $105.2B | ||
| Q2 24 | $167.9B | $97.9B | ||
| Q1 24 | $544.1B | $94.1B |
负债/权益比AIGPGR
| 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 | | |
|---|---|---|
| 经营现金流最新季度 | $636.0M | $3.2B |
| 自由现金流经营现金流 - 资本支出 | — | $3.0B |
| 自由现金流率自由现金流/营收 | — | 13.4% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 现金转化率经营现金流/净利润 | 0.87× | 1.07× |
| 过去12个月自由现金流最近4个季度 | — | $17.2B |
8季度趋势，按日历期对齐
经营现金流AIGPGR
| Q4 25 | $636.0M | $3.2B | ||
| Q3 25 | $1.3B | $5.2B | ||
| Q2 25 | $1.4B | $4.0B | ||
| Q1 25 | $-56.0M | $5.1B | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | $1.7B | $4.6B | ||
| Q2 24 | $930.0M | $3.3B | ||
| Q1 24 | $519.0M | $4.2B |
自由现金流AIGPGR
| Q4 25 | — | $3.0B | ||
| Q3 25 | — | $5.1B | ||
| Q2 25 | — | $3.9B | ||
| Q1 25 | — | $5.1B | ||
| Q4 24 | — | $2.9B | ||
| Q3 24 | — | $4.6B | ||
| Q2 24 | — | $3.2B | ||
| Q1 24 | — | $4.2B |
自由现金流率AIGPGR
| Q4 25 | — | 13.4% | ||
| Q3 25 | — | 22.8% | ||
| Q2 25 | — | 17.9% | ||
| Q1 25 | — | 24.9% | ||
| Q4 24 | — | 14.3% | ||
| Q3 24 | — | 23.1% | ||
| Q2 24 | — | 17.6% | ||
| Q1 24 | — | 24.3% |
资本支出强度AIGPGR
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.3% |
现金转化率AIGPGR
| Q4 25 | 0.87× | 1.07× | ||
| Q3 25 | 2.59× | 1.99× | ||
| Q2 25 | 1.22× | 1.27× | ||
| Q1 25 | -0.08× | 2.00× | ||
| Q4 24 | — | 1.28× | ||
| Q3 24 | 3.70× | 1.97× | ||
| Q2 24 | — | 2.24× | ||
| Q1 24 | 0.43× | 1.82× |
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
PGR
| Other | $11.9B | 52% |
| Commercial Lines Segment | $10.9B | 48% |
| Other Indemnity | $2.0M | 0% |
