vs
美国国际集团（AIG）与Unum Group（UNM）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Unum Group的2.0倍（$6.5B vs $3.2B）。美国国际集团净利率更高（11.2% vs 5.4%，领先5.9%）。美国国际集团同比增速更快（380.9% vs 0.2%）。过去两年Unum Group的营收复合增速更高（0.7% 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。
Unum Group是美国财富500强保险企业，总部位于田纳西州查塔努加，前身为1848年成立的联合相互保险公司，1999年合并后曾用名UnumProvident至2007年。集团现设四大业务板块，覆盖美、英、波兰市场，旗下承保主体包括保罗里维尔人寿保险、普罗维登斯人伤意外险公司等。
AIG vs UNM — 直观对比
营收规模更大
AIG
是对方的2.0倍
$3.2B
营收增速更快
AIG
高出380.7%
0.2%
净利率更高
AIG
高出5.9%
5.4%
两年增速更快
UNM
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $3.2B |
| 净利润 | $735.0M | $174.1M |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | 6.7% |
| 净利率 | 11.2% | 5.4% |
| 营收同比 | 380.9% | 0.2% |
| 净利润同比 | -18.2% | -50.1% |
| 每股收益（稀释后） | $1.36 | $1.06 |
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AIGUNM
| Q4 25 | $6.5B | $3.2B | ||
| Q3 25 | $6.4B | $3.4B | ||
| Q2 25 | $7.1B | $3.4B | ||
| Q1 25 | $6.8B | $3.1B | ||
| Q4 24 | $1.4B | $3.2B | ||
| Q3 24 | $6.8B | $3.2B | ||
| Q2 24 | $6.6B | $3.2B | ||
| Q1 24 | $12.6B | $3.2B |
净利润AIGUNM
| Q4 25 | $735.0M | $174.1M | ||
| Q3 25 | $519.0M | $39.7M | ||
| Q2 25 | $1.1B | $335.6M | ||
| Q1 25 | $698.0M | $189.1M | ||
| Q4 24 | $898.0M | $348.7M | ||
| Q3 24 | $459.0M | $645.7M | ||
| Q2 24 | $-4.0B | $389.5M | ||
| Q1 24 | $1.2B | $395.2M |
营业利润率AIGUNM
| Q4 25 | 10.1% | 6.7% | ||
| Q3 25 | 11.2% | 1.6% | ||
| Q2 25 | 21.8% | 12.4% | ||
| Q1 25 | 14.2% | 7.9% | ||
| Q4 24 | 40.6% | 13.8% | ||
| Q3 24 | 9.6% | 15.6% | ||
| Q2 24 | 9.4% | 15.3% | ||
| Q1 24 | 16.3% | 15.5% |
净利率AIGUNM
| Q4 25 | 11.2% | 5.4% | ||
| Q3 25 | 8.2% | 1.2% | ||
| Q2 25 | 16.1% | 10.0% | ||
| Q1 25 | 10.3% | 6.1% | ||
| Q4 24 | 65.9% | 10.8% | ||
| Q3 24 | 6.8% | 20.1% | ||
| Q2 24 | -60.6% | 12.0% | ||
| Q1 24 | 9.7% | 12.3% |
每股收益（稀释后）AIGUNM
| Q4 25 | $1.36 | $1.06 | ||
| Q3 25 | $0.93 | $0.23 | ||
| Q2 25 | $1.98 | $1.92 | ||
| Q1 25 | $1.16 | $1.06 | ||
| Q4 24 | $1.34 | $1.91 | ||
| Q3 24 | $0.71 | $3.46 | ||
| Q2 24 | $-5.96 | $2.05 | ||
| Q1 24 | $1.74 | $2.04 |
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 | — | — |
| 总债务越低越好 | $9.2B | $3.8B |
| 股东权益账面价值 | $41.1B | $11.1B |
| 总资产 | $161.3B | $63.5B |
| 负债/权益比越低杠杆越低 | 0.22× | 0.34× |
8季度趋势，按日历期对齐
总债务AIGUNM
| Q4 25 | $9.2B | $3.8B | ||
| Q3 25 | — | $3.5B | ||
| Q2 25 | — | $3.5B | ||
| Q1 25 | — | $3.5B | ||
| Q4 24 | $8.9B | $3.5B | ||
| Q3 24 | — | $3.5B | ||
| Q2 24 | — | $3.5B | ||
| Q1 24 | — | $3.4B |
股东权益AIGUNM
| Q4 25 | $41.1B | $11.1B | ||
| Q3 25 | $41.1B | $10.9B | ||
| Q2 25 | $41.5B | $11.3B | ||
| Q1 25 | $41.4B | $11.2B | ||
| Q4 24 | $42.5B | $11.0B | ||
| Q3 24 | $45.0B | $11.0B | ||
| Q2 24 | $44.4B | $10.5B | ||
| Q1 24 | $43.4B | $10.2B |
总资产AIGUNM
| Q4 25 | $161.3B | $63.5B | ||
| Q3 25 | $163.4B | $63.7B | ||
| Q2 25 | $166.0B | $62.8B | ||
| Q1 25 | $161.9B | $62.5B | ||
| Q4 24 | $161.3B | $62.0B | ||
| Q3 24 | $169.4B | $64.1B | ||
| Q2 24 | $167.9B | $62.0B | ||
| Q1 24 | $544.1B | $62.5B |
负债/权益比AIGUNM
| Q4 25 | 0.22× | 0.34× | ||
| Q3 25 | — | 0.32× | ||
| Q2 25 | — | 0.31× | ||
| Q1 25 | — | 0.31× | ||
| Q4 24 | 0.21× | 0.32× | ||
| Q3 24 | — | 0.32× | ||
| Q2 24 | — | 0.33× | ||
| Q1 24 | — | 0.34× |
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 | $357.9M |
| 自由现金流经营现金流 - 资本支出 | — | $320.1M |
| 自由现金流率自由现金流/营收 | — | 9.9% |
| 资本支出强度资本支出/营收 | — | 1.2% |
| 现金转化率经营现金流/净利润 | 0.87× | 2.06× |
| 过去12个月自由现金流最近4个季度 | — | $555.4M |
8季度趋势，按日历期对齐
经营现金流AIGUNM
| Q4 25 | $636.0M | $357.9M | ||
| Q3 25 | $1.3B | $-371.8M | ||
| Q2 25 | $1.4B | $348.0M | ||
| Q1 25 | $-56.0M | $353.6M | ||
| Q4 24 | $125.0M | $485.8M | ||
| Q3 24 | $1.7B | $390.0M | ||
| Q2 24 | $930.0M | $339.1M | ||
| Q1 24 | $519.0M | $298.3M |
自由现金流AIGUNM
| Q4 25 | — | $320.1M | ||
| Q3 25 | — | $-402.6M | ||
| Q2 25 | — | $320.1M | ||
| Q1 25 | — | $317.8M | ||
| Q4 24 | — | $453.8M | ||
| Q3 24 | — | $352.3M | ||
| Q2 24 | — | $311.4M | ||
| Q1 24 | — | $270.0M |
自由现金流率AIGUNM
| Q4 25 | — | 9.9% | ||
| Q3 25 | — | -11.9% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 14.0% | ||
| Q3 24 | — | 11.0% | ||
| Q2 24 | — | 9.6% | ||
| Q1 24 | — | 8.4% |
资本支出强度AIGUNM
| Q4 25 | — | 1.2% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | 0.9% |
现金转化率AIGUNM
| Q4 25 | 0.87× | 2.06× | ||
| Q3 25 | 2.59× | -9.37× | ||
| Q2 25 | 1.22× | 1.04× | ||
| Q1 25 | -0.08× | 1.87× | ||
| Q4 24 | 0.14× | 1.39× | ||
| Q3 24 | 3.70× | 0.60× | ||
| Q2 24 | — | 0.87× | ||
| Q1 24 | 0.43× | 0.75× |
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
UNM
| Unum Us | $2.0B | 60% |
| Colonial Life | $507.0M | 16% |
| Closed Block | $445.6M | 14% |
| Unum International | $323.0M | 10% |
