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美国国际集团（AIG）与ROYAL GOLD INC（RGLD）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ROYAL GOLD INC的17.5倍（$6.5B vs $375.3M）。ROYAL GOLD INC净利率更高（24.9% vs 11.2%，领先13.7%）。美国国际集团同比增速更快（380.9% vs 85.3%）。过去两年ROYAL GOLD INC的营收复合增速更高（58.8% 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。
Royal Gold Inc.是全球领先的贵金属流权与特许权经营企业，收购并管理多元化的矿业项目流权、净熔炼收益特许权及相关权益，资产覆盖黄金、白银、铜等品类，业务遍及多地区，无需直接承担采矿运营风险。
AIG vs RGLD — 直观对比
营收规模更大
AIG
是对方的17.5倍
$375.3M
营收增速更快
AIG
高出295.6%
85.3%
净利率更高
RGLD
高出13.7%
11.2%
两年增速更快
RGLD
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $375.3M |
| 净利润 | $735.0M | $93.6M |
| 毛利率 | — | 64.6% |
| 营业利润率 | 10.1% | 56.2% |
| 净利率 | 11.2% | 24.9% |
| 营收同比 | 380.9% | 85.3% |
| 净利润同比 | -18.2% | -12.8% |
| 每股收益（稀释后） | $1.36 | $1.04 |
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AIGRGLD
| Q4 25 | $6.5B | $375.3M | ||
| Q3 25 | $6.4B | $252.1M | ||
| Q2 25 | $7.1B | $209.6M | ||
| Q1 25 | $6.8B | $193.4M | ||
| Q4 24 | $1.4B | $202.6M | ||
| Q3 24 | $6.8B | $193.8M | ||
| Q2 24 | $6.6B | $174.1M | ||
| Q1 24 | $12.6B | $148.9M |
净利润AIGRGLD
| Q4 25 | $735.0M | $93.6M | ||
| Q3 25 | $519.0M | $126.8M | ||
| Q2 25 | $1.1B | $132.3M | ||
| Q1 25 | $698.0M | $113.5M | ||
| Q4 24 | $898.0M | $107.4M | ||
| Q3 24 | $459.0M | $96.2M | ||
| Q2 24 | $-4.0B | $81.2M | ||
| Q1 24 | $1.2B | $47.2M |
毛利率AIGRGLD
| Q4 25 | — | 64.6% | ||
| Q3 25 | — | 73.6% | ||
| Q2 25 | — | 72.6% | ||
| Q1 25 | — | 69.4% | ||
| Q4 24 | — | 70.3% | ||
| Q3 24 | — | 66.6% | ||
| Q2 24 | — | 64.7% | ||
| Q1 24 | — | 58.4% |
营业利润率AIGRGLD
| Q4 25 | 10.1% | 56.2% | ||
| Q3 25 | 11.2% | 64.4% | ||
| Q2 25 | 21.8% | 67.7% | ||
| Q1 25 | 14.2% | 63.6% | ||
| Q4 24 | 40.6% | 65.9% | ||
| Q3 24 | 9.6% | 61.3% | ||
| Q2 24 | 9.4% | 58.6% | ||
| Q1 24 | 16.3% | 50.7% |
净利率AIGRGLD
| Q4 25 | 11.2% | 24.9% | ||
| Q3 25 | 8.2% | 50.3% | ||
| Q2 25 | 16.1% | 63.1% | ||
| Q1 25 | 10.3% | 58.7% | ||
| Q4 24 | 65.9% | 53.0% | ||
| Q3 24 | 6.8% | 49.7% | ||
| Q2 24 | -60.6% | 46.6% | ||
| Q1 24 | 9.7% | 31.7% |
每股收益（稀释后）AIGRGLD
| Q4 25 | $1.36 | $1.04 | ||
| Q3 25 | $0.93 | $1.92 | ||
| Q2 25 | $1.98 | $2.01 | ||
| Q1 25 | $1.16 | $1.72 | ||
| Q4 24 | $1.34 | $1.63 | ||
| Q3 24 | $0.71 | $1.46 | ||
| Q2 24 | $-5.96 | $1.23 | ||
| Q1 24 | $1.74 | $0.72 |
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 | — | $233.7M |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | $7.2B |
| 总资产 | $161.3B | $9.5B |
| 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AIGRGLD
| Q4 25 | — | $233.7M | ||
| Q3 25 | — | $172.8M | ||
| Q2 25 | — | $248.2M | ||
| Q1 25 | — | $240.8M | ||
| Q4 24 | — | $195.5M | ||
| Q3 24 | — | $127.9M | ||
| Q2 24 | — | $74.2M | ||
| Q1 24 | — | $137.9M |
总债务AIGRGLD
| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.9B | — | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $50.0M | ||
| Q1 24 | — | — |
股东权益AIGRGLD
| Q4 25 | $41.1B | $7.2B | ||
| Q3 25 | $41.1B | $3.4B | ||
| Q2 25 | $41.5B | $3.3B | ||
| Q1 25 | $41.4B | $3.2B | ||
| Q4 24 | $42.5B | $3.1B | ||
| Q3 24 | $45.0B | $3.0B | ||
| Q2 24 | $44.4B | $3.0B | ||
| Q1 24 | $43.4B | $2.9B |
总资产AIGRGLD
| Q4 25 | $161.3B | $9.5B | ||
| Q3 25 | $163.4B | $4.5B | ||
| Q2 25 | $166.0B | $3.6B | ||
| Q1 25 | $161.9B | $3.5B | ||
| Q4 24 | $161.3B | $3.4B | ||
| Q3 24 | $169.4B | $3.3B | ||
| Q2 24 | $167.9B | $3.3B | ||
| Q1 24 | $544.1B | $3.3B |
负债/权益比AIGRGLD
| Q4 25 | 0.22× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.21× | — | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.02× | ||
| 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 | $241.7M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 0.87× | 2.58× |
| 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AIGRGLD
| Q4 25 | $636.0M | $241.7M | ||
| Q3 25 | $1.3B | $174.0M | ||
| Q2 25 | $1.4B | $152.8M | ||
| Q1 25 | $-56.0M | $136.4M | ||
| Q4 24 | $125.0M | $141.1M | ||
| Q3 24 | $1.7B | $136.7M | ||
| Q2 24 | $930.0M | $113.5M | ||
| Q1 24 | $519.0M | $138.3M |
现金转化率AIGRGLD
| Q4 25 | 0.87× | 2.58× | ||
| Q3 25 | 2.59× | 1.37× | ||
| Q2 25 | 1.22× | 1.15× | ||
| Q1 25 | -0.08× | 1.20× | ||
| Q4 24 | 0.14× | 1.31× | ||
| Q3 24 | 3.70× | 1.42× | ||
| Q2 24 | — | 1.40× | ||
| Q1 24 | 0.43× | 2.93× |
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
RGLD
| Gold | $216.9M | 58% |
| Pueblo Viejo | $47.3M | 13% |
| Andacollo | $32.6M | 9% |
| Silver | $32.1M | 9% |
| Other | $27.2M | 7% |
| Copper | $13.7M | 4% |
| Cortez Legacy Zone | $5.4M | 1% |
