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美国国际集团（AIG）与联合太平洋（UNP）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联合太平洋的1.1倍（$6.5B vs $6.2B），联合太平洋净利率更高（27.4% vs 11.2%，领先16.1%），美国国际集团同比增速更快（380.9% vs 3.2%），过去两年联合太平洋的营收复合增速更高（1.7% vs -18.4%）
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。
联合太平洋是美国一级货运铁路运营商，共运营8300台机车，线路总长超5.18万公里，覆盖芝加哥、新奥尔良以西的23个美国州，是全美规模仅次于BNSF的第二大铁路企业。
AIG vs UNP — 直观对比
营收规模更大
AIG
是对方的1.1倍
$6.2B
营收增速更快
AIG
高出377.8%
3.2%
净利率更高
UNP
高出16.1%
11.2%
两年增速更快
UNP
近两年复合增速
-18.4%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $6.2B |
| 净利润 | $735.0M | $1.7B |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | 39.5% |
| 净利率 | 11.2% | 27.4% |
| 营收同比 | 380.9% | 3.2% |
| 净利润同比 | -18.2% | 4.6% |
| 每股收益（稀释后） | $1.36 | $2.87 |
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AIGUNP
| Q1 26 | — | $6.2B | ||
| Q4 25 | $6.5B | $6.1B | ||
| Q3 25 | $6.4B | $6.2B | ||
| Q2 25 | $7.1B | $6.2B | ||
| Q1 25 | $6.8B | $6.0B | ||
| Q4 24 | — | $6.1B | ||
| Q3 24 | $6.8B | $6.1B | ||
| Q2 24 | $6.6B | $6.0B |
净利润AIGUNP
| Q1 26 | — | $1.7B | ||
| Q4 25 | $735.0M | $1.8B | ||
| Q3 25 | $519.0M | $1.8B | ||
| Q2 25 | $1.1B | $1.9B | ||
| Q1 25 | $698.0M | $1.6B | ||
| Q4 24 | — | $1.8B | ||
| Q3 24 | $459.0M | $1.7B | ||
| Q2 24 | $-4.0B | $1.7B |
营业利润率AIGUNP
| Q1 26 | — | 39.5% | ||
| Q4 25 | 10.1% | 39.5% | ||
| Q3 25 | 11.2% | 40.8% | ||
| Q2 25 | 21.8% | 41.0% | ||
| Q1 25 | 14.2% | 39.3% | ||
| Q4 24 | — | 41.3% | ||
| Q3 24 | 9.6% | 39.7% | ||
| Q2 24 | 9.4% | 40.0% |
净利率AIGUNP
| Q1 26 | — | 27.4% | ||
| Q4 25 | 11.2% | 30.4% | ||
| Q3 25 | 8.2% | 28.6% | ||
| Q2 25 | 16.1% | 30.5% | ||
| Q1 25 | 10.3% | 27.0% | ||
| Q4 24 | — | 28.8% | ||
| Q3 24 | 6.8% | 27.4% | ||
| Q2 24 | -60.6% | 27.9% |
每股收益（稀释后）AIGUNP
| Q1 26 | — | $2.87 | ||
| Q4 25 | $1.36 | $3.12 | ||
| Q3 25 | $0.93 | $3.01 | ||
| Q2 25 | $1.98 | $3.15 | ||
| Q1 25 | $1.16 | $2.70 | ||
| Q4 24 | — | $2.91 | ||
| Q3 24 | $0.71 | $2.75 | ||
| Q2 24 | $-5.96 | $2.74 |
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 | — | $735.0M |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | — |
| 总资产 | $161.3B | $69.6B |
| 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AIGUNP
| Q1 26 | — | $735.0M | ||
| Q4 25 | — | $1.3B | ||
| Q3 25 | — | $808.0M | ||
| Q2 25 | — | $1.1B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.0B | ||
| Q3 24 | — | $947.0M | ||
| Q2 24 | — | $1.1B |
总债务AIGUNP
| Q1 26 | — | — | ||
| Q4 25 | $9.2B | $30.3B | ||
| Q3 25 | — | $30.3B | ||
| Q2 25 | — | $30.3B | ||
| Q1 25 | — | $30.6B | ||
| Q4 24 | — | $29.8B | ||
| Q3 24 | — | $29.8B | ||
| Q2 24 | — | $31.2B |
股东权益AIGUNP
| Q1 26 | — | — | ||
| Q4 25 | $41.1B | $18.5B | ||
| Q3 25 | $41.1B | $17.3B | ||
| Q2 25 | $41.5B | $16.3B | ||
| Q1 25 | $41.4B | $16.0B | ||
| Q4 24 | — | $16.9B | ||
| Q3 24 | $45.0B | $16.6B | ||
| Q2 24 | $44.4B | $16.5B |
总资产AIGUNP
| Q1 26 | — | $69.6B | ||
| Q4 25 | $161.3B | $69.7B | ||
| Q3 25 | $163.4B | $68.6B | ||
| Q2 25 | $166.0B | $68.6B | ||
| Q1 25 | $161.9B | $68.5B | ||
| Q4 24 | — | $67.7B | ||
| Q3 24 | $169.4B | $67.6B | ||
| Q2 24 | $167.9B | $67.8B |
负债/权益比AIGUNP
| Q1 26 | — | — | ||
| Q4 25 | 0.22× | 1.64× | ||
| Q3 25 | — | 1.75× | ||
| Q2 25 | — | 1.86× | ||
| Q1 25 | — | 1.91× | ||
| Q4 24 | — | 1.76× | ||
| Q3 24 | — | 1.79× | ||
| Q2 24 | — | 1.89× |
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 | — | $631.0M |
| 自由现金流率自由现金流/营收 | — | 10.1% |
| 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 | — | $4.8B |
8季度趋势，按日历期对齐
经营现金流AIGUNP
| Q1 26 | — | — | ||
| Q4 25 | $636.0M | $2.2B | ||
| Q3 25 | $1.3B | $2.5B | ||
| Q2 25 | $1.4B | $2.3B | ||
| Q1 25 | $-56.0M | $2.2B | ||
| Q4 24 | — | $2.7B | ||
| Q3 24 | $1.7B | $2.7B | ||
| Q2 24 | $930.0M | $1.9B |
自由现金流AIGUNP
| Q1 26 | — | $631.0M | ||
| Q4 25 | — | $1.2B | ||
| Q3 25 | — | $1.6B | ||
| Q2 25 | — | $1.4B | ||
| Q1 25 | — | $1.3B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.8B | ||
| Q2 24 | — | $1.0B |
自由现金流率AIGUNP
| Q1 26 | — | 10.1% | ||
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 25.2% | ||
| Q2 25 | — | 22.7% | ||
| Q1 25 | — | 21.6% | ||
| Q4 24 | — | 28.4% | ||
| Q3 24 | — | 29.9% | ||
| Q2 24 | — | 16.8% |
资本支出强度AIGUNP
| Q1 26 | — | — | ||
| Q4 25 | — | 16.4% | ||
| Q3 25 | — | 15.2% | ||
| Q2 25 | — | 15.2% | ||
| Q1 25 | — | 15.0% | ||
| Q4 24 | — | 15.1% | ||
| Q3 24 | — | 13.6% | ||
| Q2 24 | — | 15.0% |
现金转化率AIGUNP
| Q1 26 | — | — | ||
| Q4 25 | 0.87× | 1.20× | ||
| Q3 25 | 2.59× | 1.41× | ||
| Q2 25 | 1.22× | 1.24× | ||
| Q1 25 | -0.08× | 1.36× | ||
| Q4 24 | — | 1.51× | ||
| Q3 24 | 3.70× | 1.59× | ||
| Q2 24 | — | 1.14× |
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
UNP
| Freight revenues | $5.9B | 95% |
| Other revenues | $324.0M | 5% |
