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美国国际集团（AIG）与Rocket Companies, Inc.（RKT）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Rocket Companies, Inc.的2.4倍（$6.5B vs $2.7B）。美国国际集团净利率更高（11.2% vs 2.5%，领先8.7%）。美国国际集团同比增速更快（380.9% vs 52.2%）。过去两年Rocket Companies, Inc.的营收复合增速更高（39.5% 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。
Rocket Companies, Inc.是美国金融科技及住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。公司依托旗舰子公司Rocket Mortgage跻身美国最大抵押贷款提供商行列，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
AIG vs RKT — 直观对比
营收规模更大
AIG
是对方的2.4倍
$2.7B
营收增速更快
AIG
高出328.8%
52.2%
净利率更高
AIG
高出8.7%
2.5%
两年增速更快
RKT
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $2.7B |
| 净利润 | $735.0M | $68.0M |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | 6.3% |
| 净利率 | 11.2% | 2.5% |
| 营收同比 | 380.9% | 52.2% |
| 净利润同比 | -18.2% | 100.8% |
| 每股收益（稀释后） | $1.36 | $0.10 |
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AIGRKT
| Q4 25 | $6.5B | $2.7B | ||
| Q3 25 | $6.4B | $1.6B | ||
| Q2 25 | $7.1B | $1.4B | ||
| Q1 25 | $6.8B | $1.0B | ||
| Q4 24 | $1.4B | $1.8B | ||
| Q3 24 | $6.8B | $646.9M | ||
| Q2 24 | $6.6B | $1.3B | ||
| Q1 24 | $12.6B | $1.4B |
净利润AIGRKT
| Q4 25 | $735.0M | $68.0M | ||
| Q3 25 | $519.0M | $-123.9M | ||
| Q2 25 | $1.1B | $-1.8M | ||
| Q1 25 | $698.0M | $-10.4M | ||
| Q4 24 | $898.0M | $33.9M | ||
| Q3 24 | $459.0M | $-22.0M | ||
| Q2 24 | $-4.0B | $1.3M | ||
| Q1 24 | $1.2B | $16.2M |
毛利率AIGRKT
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 58.9% | ||
| Q3 24 | — | -8.4% | ||
| Q2 24 | — | 47.4% | ||
| Q1 24 | — | 51.2% |
营业利润率AIGRKT
| Q4 25 | 10.1% | 6.3% | ||
| Q3 25 | 11.2% | -11.5% | ||
| Q2 25 | 21.8% | 1.8% | ||
| Q1 25 | 14.2% | -21.5% | ||
| Q4 24 | 40.6% | 38.1% | ||
| Q3 24 | 9.6% | -76.9% | ||
| Q2 24 | 9.4% | 14.8% | ||
| Q1 24 | 16.3% | 21.6% |
净利率AIGRKT
| Q4 25 | 11.2% | 2.5% | ||
| Q3 25 | 8.2% | -7.7% | ||
| Q2 25 | 16.1% | -0.1% | ||
| Q1 25 | 10.3% | -1.0% | ||
| Q4 24 | 65.9% | 1.9% | ||
| Q3 24 | 6.8% | -3.4% | ||
| Q2 24 | -60.6% | 0.1% | ||
| Q1 24 | 9.7% | 1.2% |
每股收益（稀释后）AIGRKT
| Q4 25 | $1.36 | $0.10 | ||
| Q3 25 | $0.93 | $-0.06 | ||
| Q2 25 | $1.98 | $-0.01 | ||
| Q1 25 | $1.16 | $-0.08 | ||
| Q4 24 | $1.34 | $0.28 | ||
| Q3 24 | $0.71 | $-0.19 | ||
| Q2 24 | $-5.96 | $0.01 | ||
| Q1 24 | $1.74 | $0.11 |
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 | — | $2.7B |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | $22.9B |
| 总资产 | $161.3B | $60.7B |
| 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AIGRKT
| Q4 25 | — | $2.7B | ||
| Q3 25 | — | $5.8B | ||
| Q2 25 | — | $5.1B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.3B | ||
| Q1 24 | — | $861.4M |
总债务AIGRKT
| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.9B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIGRKT
| Q4 25 | $41.1B | $22.9B | ||
| Q3 25 | $41.1B | $8.9B | ||
| Q2 25 | $41.5B | $7.4B | ||
| Q1 25 | $41.4B | $8.6B | ||
| Q4 24 | $42.5B | $9.0B | ||
| Q3 24 | $45.0B | $8.4B | ||
| Q2 24 | $44.4B | $8.8B | ||
| Q1 24 | $43.4B | $8.6B |
总资产AIGRKT
| Q4 25 | $161.3B | $60.7B | ||
| Q3 25 | $163.4B | $33.6B | ||
| Q2 25 | $166.0B | $30.4B | ||
| Q1 25 | $161.9B | $25.3B | ||
| Q4 24 | $161.3B | $24.5B | ||
| Q3 24 | $169.4B | $25.1B | ||
| Q2 24 | $167.9B | $23.6B | ||
| Q1 24 | $544.1B | $22.2B |
负债/权益比AIGRKT
| 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 | $-1.2B |
| 自由现金流经营现金流 - 资本支出 | — | $-1.3B |
| 自由现金流率自由现金流/营收 | — | -47.2% |
| 资本支出强度资本支出/营收 | — | 1.5% |
| 现金转化率经营现金流/净利润 | 0.87× | -18.08× |
| 过去12个月自由现金流最近4个季度 | — | $-4.0B |
8季度趋势，按日历期对齐
经营现金流AIGRKT
| Q4 25 | $636.0M | $-1.2B | ||
| Q3 25 | $1.3B | $-50.3M | ||
| Q2 25 | $1.4B | $-1.9B | ||
| Q1 25 | $-56.0M | $-797.0M | ||
| Q4 24 | $125.0M | $1.8B | ||
| Q3 24 | $1.7B | $-1.3B | ||
| Q2 24 | $930.0M | $-122.3M | ||
| Q1 24 | $519.0M | $-3.0B |
自由现金流AIGRKT
| Q4 25 | — | $-1.3B | ||
| Q3 25 | — | $-71.8M | ||
| Q2 25 | — | $-1.9B | ||
| Q1 25 | — | $-811.0M | ||
| Q4 24 | — | $1.8B | ||
| Q3 24 | — | $-1.4B | ||
| Q2 24 | — | $-138.3M | ||
| Q1 24 | — | $-3.0B |
自由现金流率AIGRKT
| Q4 25 | — | -47.2% | ||
| Q3 25 | — | -4.5% | ||
| Q2 25 | — | -137.2% | ||
| Q1 25 | — | -78.2% | ||
| Q4 24 | — | 103.1% | ||
| Q3 24 | — | -209.6% | ||
| Q2 24 | — | -10.6% | ||
| Q1 24 | — | -218.7% |
资本支出强度AIGRKT
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 2.9% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.0% |
现金转化率AIGRKT
| Q4 25 | 0.87× | -18.08× | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 1.22× | — | ||
| Q1 25 | -0.08× | — | ||
| Q4 24 | 0.14× | 54.42× | ||
| Q3 24 | 3.70× | — | ||
| Q2 24 | — | -94.46× | ||
| Q1 24 | 0.43× | -185.80× |
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
RKT
| Other | $1.4B | 51% |
| Direct To Customer Segment | $945.8M | 35% |
| Partner Network Segment | $216.7M | 8% |
| Subscription Revenue | $91.3M | 3% |
| Closing Fees | $47.1M | 2% |
| Appraisal Revenue | $10.7M | 0% |
