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美国国际集团（AIG）与TRUPANION, INC.（TRUP）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TRUPANION, INC.的17.4倍（$6.5B vs $376.9M）。美国国际集团同比增速更快（380.9% vs 11.7%）。过去两年TRUPANION, INC.的营收复合增速更高（11.0% 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。
Trupanion是总部位于美国华盛顿州西雅图的宠物保险服务商，创立于1999年，业务覆盖美国、加拿大、澳大利亚与波多黎各地区。该公司为宠物提供保险保障服务，所有保单由旗下美国宠物保险公司（APIC）独家承保。
AIG vs TRUP — 直观对比
营收规模更大
AIG
是对方的17.4倍
$376.9M
营收增速更快
AIG
高出369.2%
11.7%
两年增速更快
TRUP
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $376.9M |
| 净利润 | $735.0M | — |
| 毛利率 | — | 17.3% |
| 营业利润率 | 10.1% | 1.9% |
| 净利率 | 11.2% | — |
| 营收同比 | 380.9% | 11.7% |
| 净利润同比 | -18.2% | — |
| 每股收益（稀释后） | $1.36 | $0.13 |
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AIGTRUP
| Q4 25 | $6.5B | $376.9M | ||
| Q3 25 | $6.4B | $366.9M | ||
| Q2 25 | $7.1B | $353.6M | ||
| Q1 25 | $6.8B | $342.0M | ||
| Q4 24 | $1.4B | $337.3M | ||
| Q3 24 | $6.8B | $327.5M | ||
| Q2 24 | $6.6B | $314.8M | ||
| Q1 24 | $12.6B | $306.1M |
净利润AIGTRUP
| Q4 25 | $735.0M | — | ||
| Q3 25 | $519.0M | — | ||
| Q2 25 | $1.1B | — | ||
| Q1 25 | $698.0M | — | ||
| Q4 24 | $898.0M | — | ||
| Q3 24 | $459.0M | — | ||
| Q2 24 | $-4.0B | — | ||
| Q1 24 | $1.2B | — |
毛利率AIGTRUP
| Q4 25 | — | 17.3% | ||
| Q3 25 | — | 16.4% | ||
| Q2 25 | — | 15.5% | ||
| Q1 25 | — | 14.9% | ||
| Q4 24 | — | 15.7% | ||
| Q3 24 | — | 15.1% | ||
| Q2 24 | — | 12.8% | ||
| Q1 24 | — | 11.8% |
营业利润率AIGTRUP
| Q4 25 | 10.1% | 1.9% | ||
| Q3 25 | 11.2% | 1.6% | ||
| Q2 25 | 21.8% | 0.7% | ||
| Q1 25 | 14.2% | -0.4% | ||
| Q4 24 | 40.6% | 0.1% | ||
| Q3 24 | 9.6% | 0.5% | ||
| Q2 24 | 9.4% | -1.7% | ||
| Q1 24 | 16.3% | -2.0% |
净利率AIGTRUP
| Q4 25 | 11.2% | — | ||
| Q3 25 | 8.2% | — | ||
| Q2 25 | 16.1% | — | ||
| Q1 25 | 10.3% | — | ||
| Q4 24 | 65.9% | — | ||
| Q3 24 | 6.8% | — | ||
| Q2 24 | -60.6% | — | ||
| Q1 24 | 9.7% | — |
每股收益（稀释后）AIGTRUP
| Q4 25 | $1.36 | $0.13 | ||
| Q3 25 | $0.93 | $0.13 | ||
| Q2 25 | $1.98 | $0.22 | ||
| Q1 25 | $1.16 | $-0.03 | ||
| Q4 24 | $1.34 | $0.04 | ||
| Q3 24 | $0.71 | $0.03 | ||
| Q2 24 | $-5.96 | $-0.14 | ||
| Q1 24 | $1.74 | $-0.16 |
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 | — | $370.7M |
| 总债务越低越好 | $9.2B | $101.8M |
| 股东权益账面价值 | $41.1B | $383.9M |
| 总资产 | $161.3B | $915.0M |
| 负债/权益比越低杠杆越低 | 0.22× | 0.27× |
8季度趋势，按日历期对齐
现金及短期投资AIGTRUP
| Q4 25 | — | $370.7M | ||
| Q3 25 | — | $348.5M | ||
| Q2 25 | — | $319.6M | ||
| Q1 25 | — | $321.8M | ||
| Q4 24 | — | $307.4M | ||
| Q3 24 | — | $293.1M | ||
| Q2 24 | — | $277.2M | ||
| Q1 24 | — | $275.2M |
总债务AIGTRUP
| Q4 25 | $9.2B | $101.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.9B | $127.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIGTRUP
| Q4 25 | $41.1B | $383.9M | ||
| Q3 25 | $41.1B | $368.6M | ||
| Q2 25 | $41.5B | $355.5M | ||
| Q1 25 | $41.4B | $333.7M | ||
| Q4 24 | $42.5B | $323.3M | ||
| Q3 24 | $45.0B | $320.2M | ||
| Q2 24 | $44.4B | $305.8M | ||
| Q1 24 | $43.4B | $303.4M |
总资产AIGTRUP
| Q4 25 | $161.3B | $915.0M | ||
| Q3 25 | $163.4B | $880.2M | ||
| Q2 25 | $166.0B | $847.8M | ||
| Q1 25 | $161.9B | $837.2M | ||
| Q4 24 | $161.3B | $806.9M | ||
| Q3 24 | $169.4B | $816.1M | ||
| Q2 24 | $167.9B | $795.9M | ||
| Q1 24 | $544.1B | $789.5M |
负债/权益比AIGTRUP
| Q4 25 | 0.22× | 0.27× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.21× | 0.39× | ||
| 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 | $29.3M |
| 自由现金流经营现金流 - 资本支出 | — | $25.3M |
| 自由现金流率自由现金流/营收 | — | 6.7% |
| 资本支出强度资本支出/营收 | — | 1.0% |
| 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 | — | $75.4M |
8季度趋势，按日历期对齐
经营现金流AIGTRUP
| Q4 25 | $636.0M | $29.3M | ||
| Q3 25 | $1.3B | $29.2M | ||
| Q2 25 | $1.4B | $15.0M | ||
| Q1 25 | $-56.0M | $16.0M | ||
| Q4 24 | $125.0M | $23.7M | ||
| Q3 24 | $1.7B | $15.3M | ||
| Q2 24 | $930.0M | $6.9M | ||
| Q1 24 | $519.0M | $2.4M |
自由现金流AIGTRUP
| Q4 25 | — | $25.3M | ||
| Q3 25 | — | $23.9M | ||
| Q2 25 | — | $12.0M | ||
| Q1 25 | — | $14.0M | ||
| Q4 24 | — | $21.8M | ||
| Q3 24 | — | $13.4M | ||
| Q2 24 | — | $4.0M | ||
| Q1 24 | — | $-631.0K |
自由现金流率AIGTRUP
| Q4 25 | — | 6.7% | ||
| Q3 25 | — | 6.5% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 4.1% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | -0.2% |
资本支出强度AIGTRUP
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 0.6% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | 1.0% |
现金转化率AIGTRUP
| Q4 25 | 0.87× | — | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 1.22× | — | ||
| Q1 25 | -0.08× | — | ||
| Q4 24 | 0.14× | — | ||
| Q3 24 | 3.70× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.43× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
