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美国国际集团（AIG）与STEWART INFORMATION SERVICES CORP（STC）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STEWART INFORMATION SERVICES CORP的8.6倍（$6.5B vs $764.6M）。美国国际集团净利率更高（11.2% vs 2.2%，领先9.0%）。美国国际集团同比增速更快（380.9% vs 27.7%）。过去两年STEWART INFORMATION SERVICES CORP的营收复合增速更高（12.7% 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。
斯图尔特信息服务公司（STC）是一家主营房地产信息、产权保险及交易管理服务的企业，旗下全资子公司斯图尔特产权担保公司、斯图尔特产权公司通过直营网点、斯图尔特可信供应商网络内的独立代理机构及合作企业，为美国及全球市场提供相关产品与服务，总部位于得克萨斯州休斯敦，现有员工约6350人。
AIG vs STC — 直观对比
营收规模更大
AIG
是对方的8.6倍
$764.6M
营收增速更快
AIG
高出353.2%
27.7%
净利率更高
AIG
高出9.0%
2.2%
两年增速更快
STC
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $764.6M |
| 净利润 | $735.0M | $17.0M |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | — |
| 净利率 | 11.2% | 2.2% |
| 营收同比 | 380.9% | 27.7% |
| 净利润同比 | -18.2% | 448.4% |
| 每股收益（稀释后） | $1.36 | — |
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AIGSTC
| Q1 26 | — | $764.6M | ||
| Q4 25 | $6.5B | $790.6M | ||
| Q3 25 | $6.4B | $796.9M | ||
| Q2 25 | $7.1B | $722.2M | ||
| Q1 25 | $6.8B | $612.0M | ||
| Q4 24 | $1.4B | $665.9M | ||
| Q3 24 | $6.8B | $667.9M | ||
| Q2 24 | $6.6B | $602.2M |
净利润AIGSTC
| Q1 26 | — | $17.0M | ||
| Q4 25 | $735.0M | $36.3M | ||
| Q3 25 | $519.0M | $44.3M | ||
| Q2 25 | $1.1B | $31.9M | ||
| Q1 25 | $698.0M | $3.1M | ||
| Q4 24 | $898.0M | $22.7M | ||
| Q3 24 | $459.0M | $30.1M | ||
| Q2 24 | $-4.0B | $17.3M |
营业利润率AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | 10.1% | 6.5% | ||
| Q3 25 | 11.2% | 7.7% | ||
| Q2 25 | 21.8% | 6.5% | ||
| Q1 25 | 14.2% | 1.0% | ||
| Q4 24 | 40.6% | 5.3% | ||
| Q3 24 | 9.6% | 6.4% | ||
| Q2 24 | 9.4% | 4.8% |
净利率AIGSTC
| Q1 26 | — | 2.2% | ||
| Q4 25 | 11.2% | 4.6% | ||
| Q3 25 | 8.2% | 5.6% | ||
| Q2 25 | 16.1% | 4.4% | ||
| Q1 25 | 10.3% | 0.5% | ||
| Q4 24 | 65.9% | 3.4% | ||
| Q3 24 | 6.8% | 4.5% | ||
| Q2 24 | -60.6% | 2.9% |
每股收益（稀释后）AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | $1.36 | $1.26 | ||
| Q3 25 | $0.93 | $1.55 | ||
| Q2 25 | $1.98 | $1.13 | ||
| Q1 25 | $1.16 | $0.11 | ||
| Q4 24 | $1.34 | $0.81 | ||
| Q3 24 | $0.71 | $1.07 | ||
| Q2 24 | $-5.96 | $0.62 |
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 | — | $317.5M |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | — |
| 总资产 | $161.3B | — |
| 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AIGSTC
| Q1 26 | — | $317.5M | ||
| Q4 25 | — | $369.7M | ||
| Q3 25 | — | $233.2M | ||
| Q2 25 | — | $223.8M | ||
| Q1 25 | — | $194.2M | ||
| Q4 24 | — | $257.5M | ||
| Q3 24 | — | $228.7M | ||
| Q2 24 | — | $176.7M |
总债务AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.9B | $445.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | $41.1B | $1.6B | ||
| Q3 25 | $41.1B | $1.5B | ||
| Q2 25 | $41.5B | $1.4B | ||
| Q1 25 | $41.4B | $1.4B | ||
| Q4 24 | $42.5B | $1.4B | ||
| Q3 24 | $45.0B | $1.4B | ||
| Q2 24 | $44.4B | $1.4B |
总资产AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | $161.3B | $3.3B | ||
| Q3 25 | $163.4B | $2.8B | ||
| Q2 25 | $166.0B | $2.8B | ||
| Q1 25 | $161.9B | $2.7B | ||
| Q4 24 | $161.3B | $2.7B | ||
| Q3 24 | $169.4B | $2.7B | ||
| Q2 24 | $167.9B | $2.6B |
负债/权益比AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | 0.22× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.21× | 0.32× | ||
| Q3 24 | — | — | ||
| Q2 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 | — |
| 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× | — |
| 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AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | $636.0M | $89.5M | ||
| Q3 25 | $1.3B | $92.6M | ||
| Q2 25 | $1.4B | $53.4M | ||
| Q1 25 | $-56.0M | $-29.9M | ||
| Q4 24 | $125.0M | $68.0M | ||
| Q3 24 | $1.7B | $76.1M | ||
| Q2 24 | $930.0M | $21.1M |
自由现金流AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | — | $62.3M | ||
| Q3 25 | — | $73.6M | ||
| Q2 25 | — | $38.7M | ||
| Q1 25 | — | $-42.2M | ||
| Q4 24 | — | $55.6M | ||
| Q3 24 | — | $67.4M | ||
| Q2 24 | — | $11.9M |
自由现金流率AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | — | 7.9% | ||
| Q3 25 | — | 9.2% | ||
| Q2 25 | — | 5.4% | ||
| Q1 25 | — | -6.9% | ||
| Q4 24 | — | 8.4% | ||
| Q3 24 | — | 10.1% | ||
| Q2 24 | — | 2.0% |
资本支出强度AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 2.4% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 1.5% |
现金转化率AIGSTC
| Q1 26 | — | — | ||
| Q4 25 | 0.87× | 2.47× | ||
| Q3 25 | 2.59× | 2.09× | ||
| Q2 25 | 1.22× | 1.67× | ||
| Q1 25 | -0.08× | -9.73× | ||
| Q4 24 | 0.14× | 2.99× | ||
| Q3 24 | 3.70× | 2.53× | ||
| Q2 24 | — | 1.22× |
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
STC
| Agency title | $333.0M | 44% |
| Direct title | $270.2M | 35% |
| Real estate solutions | $161.4M | 21% |
