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美国国际集团（AIG）与LendingTree, Inc.（TREE）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LendingTree, Inc.的20.5倍（$6.5B vs $319.7M）。LendingTree, Inc.净利率更高（45.2% vs 11.2%，领先34.0%）。美国国际集团同比增速更快（380.9% vs 22.2%）。过去两年LendingTree, Inc.的营收复合增速更高（38.0% 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。
LendingTree, Inc.是1996年成立的在线借贷交易平台，总部位于北卡罗来纳州夏洛特。该平台对接潜在借款用户与多家贷款机构，可提供贷款、信用卡、存款账户、保险等多种金融产品服务，支持用户对比不同机构的利率与条款，还配套提供金融工具、贷款查询及借贷相关资讯服务。
AIG vs TREE — 直观对比
营收规模更大
AIG
是对方的20.5倍
$319.7M
营收增速更快
AIG
高出358.7%
22.2%
净利率更高
TREE
高出34.0%
11.2%
两年增速更快
TREE
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $319.7M |
| 净利润 | $735.0M | $144.7M |
| 毛利率 | — | 29.2% |
| 营业利润率 | 10.1% | 7.0% |
| 净利率 | 11.2% | 45.2% |
| 营收同比 | 380.9% | 22.2% |
| 净利润同比 | -18.2% | 1827.2% |
| 每股收益（稀释后） | $1.36 | $10.32 |
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AIGTREE
| Q4 25 | $6.5B | $319.7M | ||
| Q3 25 | $6.4B | $307.8M | ||
| Q2 25 | $7.1B | $250.1M | ||
| Q1 25 | $6.8B | $239.7M | ||
| Q4 24 | $1.4B | $261.5M | ||
| Q3 24 | $6.8B | $260.8M | ||
| Q2 24 | $6.6B | $210.1M | ||
| Q1 24 | $12.6B | $167.8M |
净利润AIGTREE
| Q4 25 | $735.0M | $144.7M | ||
| Q3 25 | $519.0M | $10.2M | ||
| Q2 25 | $1.1B | $8.9M | ||
| Q1 25 | $698.0M | $-12.4M | ||
| Q4 24 | $898.0M | $7.5M | ||
| Q3 24 | $459.0M | $-58.0M | ||
| Q2 24 | $-4.0B | $7.8M | ||
| Q1 24 | $1.2B | $1.0M |
毛利率AIGTREE
| Q4 25 | — | 29.2% | ||
| Q3 25 | — | 30.7% | ||
| Q2 25 | — | 34.0% | ||
| Q1 25 | — | 32.9% | ||
| Q4 24 | — | 33.6% | ||
| Q3 24 | — | 30.2% | ||
| Q2 24 | — | 34.5% | ||
| Q1 24 | — | 42.0% |
营业利润率AIGTREE
| Q4 25 | 10.1% | 7.0% | ||
| Q3 25 | 11.2% | 9.3% | ||
| Q2 25 | 21.8% | 8.4% | ||
| Q1 25 | 14.2% | -3.0% | ||
| Q4 24 | 40.6% | 6.9% | ||
| Q3 24 | 9.6% | 3.8% | ||
| Q2 24 | 9.4% | 4.6% | ||
| Q1 24 | 16.3% | 4.3% |
净利率AIGTREE
| Q4 25 | 11.2% | 45.2% | ||
| Q3 25 | 8.2% | 3.3% | ||
| Q2 25 | 16.1% | 3.5% | ||
| Q1 25 | 10.3% | -5.2% | ||
| Q4 24 | 65.9% | 2.9% | ||
| Q3 24 | 6.8% | -22.2% | ||
| Q2 24 | -60.6% | 3.7% | ||
| Q1 24 | 9.7% | 0.6% |
每股收益（稀释后）AIGTREE
| Q4 25 | $1.36 | $10.32 | ||
| Q3 25 | $0.93 | $0.73 | ||
| Q2 25 | $1.98 | $0.65 | ||
| Q1 25 | $1.16 | $-0.92 | ||
| Q4 24 | $1.34 | $0.54 | ||
| Q3 24 | $0.71 | $-4.34 | ||
| Q2 24 | $-5.96 | $0.58 | ||
| Q1 24 | $1.74 | $0.08 |
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 | — | $81.1M |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | $286.8M |
| 总资产 | $161.3B | $855.7M |
| 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AIGTREE
| Q4 25 | — | $81.1M | ||
| Q3 25 | — | $68.6M | ||
| Q2 25 | — | $149.1M | ||
| Q1 25 | — | $126.4M | ||
| Q4 24 | — | $106.6M | ||
| Q3 24 | — | $96.8M | ||
| Q2 24 | — | $66.8M | ||
| Q1 24 | — | $230.7M |
总债务AIGTREE
| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.9B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIGTREE
| Q4 25 | $41.1B | $286.8M | ||
| Q3 25 | $41.1B | $132.4M | ||
| Q2 25 | $41.5B | $118.1M | ||
| Q1 25 | $41.4B | $103.7M | ||
| Q4 24 | $42.5B | $108.8M | ||
| Q3 24 | $45.0B | $94.3M | ||
| Q2 24 | $44.4B | $145.8M | ||
| Q1 24 | $43.4B | $131.5M |
总资产AIGTREE
| Q4 25 | $161.3B | $855.7M | ||
| Q3 25 | $163.4B | $759.9M | ||
| Q2 25 | $166.0B | $835.8M | ||
| Q1 25 | $161.9B | $777.1M | ||
| Q4 24 | $161.3B | $767.7M | ||
| Q3 24 | $169.4B | $787.2M | ||
| Q2 24 | $167.9B | $802.2M | ||
| Q1 24 | $544.1B | $926.7M |
负债/权益比AIGTREE
| 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 | $16.5M |
| 自由现金流经营现金流 - 资本支出 | — | $13.5M |
| 自由现金流率自由现金流/营收 | — | 4.2% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 现金转化率经营现金流/净利润 | 0.87× | 0.11× |
| 过去12个月自由现金流最近4个季度 | — | $60.7M |
8季度趋势，按日历期对齐
经营现金流AIGTREE
| Q4 25 | $636.0M | $16.5M | ||
| Q3 25 | $1.3B | $28.8M | ||
| Q2 25 | $1.4B | $28.0M | ||
| Q1 25 | $-56.0M | $-210.0K | ||
| Q4 24 | $125.0M | $16.2M | ||
| Q3 24 | $1.7B | $45.3M | ||
| Q2 24 | $930.0M | $-4.9M | ||
| Q1 24 | $519.0M | $5.7M |
自由现金流AIGTREE
| Q4 25 | — | $13.5M | ||
| Q3 25 | — | $25.6M | ||
| Q2 25 | — | $25.2M | ||
| Q1 25 | — | $-3.6M | ||
| Q4 24 | — | $13.4M | ||
| Q3 24 | — | $42.3M | ||
| Q2 24 | — | $-7.7M | ||
| Q1 24 | — | $3.0M |
自由现金流率AIGTREE
| Q4 25 | — | 4.2% | ||
| Q3 25 | — | 8.3% | ||
| Q2 25 | — | 10.1% | ||
| Q1 25 | — | -1.5% | ||
| Q4 24 | — | 5.1% | ||
| Q3 24 | — | 16.2% | ||
| Q2 24 | — | -3.7% | ||
| Q1 24 | — | 1.8% |
资本支出强度AIGTREE
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 1.6% |
现金转化率AIGTREE
| Q4 25 | 0.87× | 0.11× | ||
| Q3 25 | 2.59× | 2.84× | ||
| Q2 25 | 1.22× | 3.15× | ||
| Q1 25 | -0.08× | — | ||
| Q4 24 | 0.14× | 2.16× | ||
| Q3 24 | 3.70× | — | ||
| Q2 24 | — | -0.64× | ||
| Q1 24 | 0.43× | 5.62× |
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
TREE
| Insurance Segment | $214.6M | 67% |
| Other Consumer | $39.5M | 12% |
| Home Segment | $36.2M | 11% |
| Personal Loans | $29.1M | 9% |
