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美国国际集团（AIG）与Usio, Inc.（USIO）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Usio, Inc.的294.5倍（$6.5B vs $22.2M）。美国国际集团净利率更高（11.2% vs -6.7%，领先17.9%）。美国国际集团同比增速更快（380.9% vs 8.2%）。过去两年Usio, Inc.的营收复合增速更高（3.0% 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。
Usio, Inc.是总部位于美国得克萨斯州圣安东尼奥的金融科技企业，主打综合电子支付服务，业务涵盖ACH交易处理、信用卡与借记卡收单、为软件平台提供支付便利、预付卡发行，同时还经营文件打印邮寄业务。
AIG vs USIO — 直观对比
营收规模更大
AIG
是对方的294.5倍
$22.2M
营收增速更快
AIG
高出372.7%
8.2%
净利率更高
AIG
高出17.9%
-6.7%
两年增速更快
USIO
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $22.2M |
| 净利润 | $735.0M | $-1.5M |
| 毛利率 | — | 21.9% |
| 营业利润率 | 10.1% | -5.7% |
| 净利率 | 11.2% | -6.7% |
| 营收同比 | 380.9% | 8.2% |
| 净利润同比 | -18.2% | -337.8% |
| 每股收益（稀释后） | $1.36 | $-0.05 |
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AIGUSIO
| Q4 25 | $6.5B | $22.2M | ||
| Q3 25 | $6.4B | $21.2M | ||
| Q2 25 | $7.1B | $20.0M | ||
| Q1 25 | $6.8B | $22.0M | ||
| Q4 24 | $1.4B | $20.6M | ||
| Q3 24 | $6.8B | $21.3M | ||
| Q2 24 | $6.6B | $20.1M | ||
| Q1 24 | $12.6B | $21.0M |
净利润AIGUSIO
| Q4 25 | $735.0M | $-1.5M | ||
| Q3 25 | $519.0M | $-415.1K | ||
| Q2 25 | $1.1B | $-366.7K | ||
| Q1 25 | $698.0M | $-235.0K | ||
| Q4 24 | $898.0M | $628.9K | ||
| Q3 24 | $459.0M | $2.9M | ||
| Q2 24 | $-4.0B | $75.5K | ||
| Q1 24 | $1.2B | $-250.2K |
毛利率AIGUSIO
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 23.0% | ||
| Q2 25 | — | 25.8% | ||
| Q1 25 | — | 21.9% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 23.0% | ||
| Q2 24 | — | 23.9% | ||
| Q1 24 | — | 23.1% |
营业利润率AIGUSIO
| Q4 25 | 10.1% | -5.7% | ||
| Q3 25 | 11.2% | -2.2% | ||
| Q2 25 | 21.8% | -2.0% | ||
| Q1 25 | 14.2% | -1.1% | ||
| Q4 24 | 40.6% | -2.9% | ||
| Q3 24 | 9.6% | -1.8% | ||
| Q2 24 | 9.4% | -1.0% | ||
| Q1 24 | 16.3% | -1.3% |
净利率AIGUSIO
| Q4 25 | 11.2% | -6.7% | ||
| Q3 25 | 8.2% | -2.0% | ||
| Q2 25 | 16.1% | -1.8% | ||
| Q1 25 | 10.3% | -1.1% | ||
| Q4 24 | 65.9% | 3.1% | ||
| Q3 24 | 6.8% | 13.4% | ||
| Q2 24 | -60.6% | 0.4% | ||
| Q1 24 | 9.7% | -1.2% |
每股收益（稀释后）AIGUSIO
| Q4 25 | $1.36 | $-0.05 | ||
| Q3 25 | $0.93 | $-0.02 | ||
| Q2 25 | $1.98 | $-0.01 | ||
| Q1 25 | $1.16 | $-0.01 | ||
| Q4 24 | $1.34 | $0.03 | ||
| Q3 24 | $0.71 | $0.10 | ||
| Q2 24 | $-5.96 | $0.00 | ||
| Q1 24 | $1.74 | $-0.01 |
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 | — | $7.4M |
| 总债务越低越好 | $9.2B | $1.4M |
| 股东权益账面价值 | $41.1B | $17.9M |
| 总资产 | $161.3B | $134.9M |
| 负债/权益比越低杠杆越低 | 0.22× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资AIGUSIO
| Q4 25 | — | $7.4M | ||
| Q3 25 | — | $7.7M | ||
| Q2 25 | — | $8.1M | ||
| Q1 25 | — | $8.7M | ||
| Q4 24 | — | $8.1M | ||
| Q3 24 | — | $8.4M | ||
| Q2 24 | — | $7.2M | ||
| Q1 24 | — | $7.1M |
总债务AIGUSIO
| Q4 25 | $9.2B | $1.4M | ||
| Q3 25 | — | $836.7K | ||
| Q2 25 | — | $647.1K | ||
| Q1 25 | — | $683.3K | ||
| Q4 24 | $8.9B | $719.4K | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIGUSIO
| Q4 25 | $41.1B | $17.9M | ||
| Q3 25 | $41.1B | $18.7M | ||
| Q2 25 | $41.5B | $18.7M | ||
| Q1 25 | $41.4B | $19.0M | ||
| Q4 24 | $42.5B | $19.2M | ||
| Q3 24 | $45.0B | $18.9M | ||
| Q2 24 | $44.4B | $15.7M | ||
| Q1 24 | $43.4B | $15.3M |
总资产AIGUSIO
| Q4 25 | $161.3B | $134.9M | ||
| Q3 25 | $163.4B | $99.4M | ||
| Q2 25 | $166.0B | $108.4M | ||
| Q1 25 | $161.9B | $109.6M | ||
| Q4 24 | $161.3B | $107.2M | ||
| Q3 24 | $169.4B | $114.6M | ||
| Q2 24 | $167.9B | $108.8M | ||
| Q1 24 | $544.1B | $99.1M |
负债/权益比AIGUSIO
| Q4 25 | 0.22× | 0.08× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.04× | ||
| Q4 24 | 0.21× | 0.04× | ||
| 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 | $99.6K |
| 自由现金流经营现金流 - 资本支出 | — | $-42.8K |
| 自由现金流率自由现金流/营收 | — | -0.2% |
| 资本支出强度资本支出/营收 | — | 0.6% |
| 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 | — | $600.1K |
8季度趋势，按日历期对齐
经营现金流AIGUSIO
| Q4 25 | $636.0M | $99.6K | ||
| Q3 25 | $1.3B | $303.8K | ||
| Q2 25 | $1.4B | $-263.9K | ||
| Q1 25 | $-56.0M | $1.4M | ||
| Q4 24 | $125.0M | $1.0M | ||
| Q3 24 | $1.7B | $1.4M | ||
| Q2 24 | $930.0M | $369.1K | ||
| Q1 24 | $519.0M | $88.7K |
自由现金流AIGUSIO
| Q4 25 | — | $-42.8K | ||
| Q3 25 | — | $85.2K | ||
| Q2 25 | — | $-503.2K | ||
| Q1 25 | — | $1.1M | ||
| Q4 24 | — | $931.7K | ||
| Q3 24 | — | $1.4M | ||
| Q2 24 | — | $246.3K | ||
| Q1 24 | — | $-88.1K |
自由现金流率AIGUSIO
| Q4 25 | — | -0.2% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | -2.5% | ||
| Q1 25 | — | 4.8% | ||
| Q4 24 | — | 4.5% | ||
| Q3 24 | — | 6.4% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | -0.4% |
资本支出强度AIGUSIO
| Q4 25 | — | 0.6% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 0.8% |
现金转化率AIGUSIO
| Q4 25 | 0.87× | — | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 1.22× | — | ||
| Q1 25 | -0.08× | — | ||
| Q4 24 | 0.14× | 1.60× | ||
| Q3 24 | 3.70× | 0.50× | ||
| Q2 24 | — | 4.89× | ||
| 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
业务分部营收拆解
AIG
暂无分部数据
USIO
| Credit Card Revenue | $7.7M | 35% |
| ACH And Complementary Service Revenue | $6.1M | 28% |
| Output Solutions | $5.4M | 24% |
| Prepaid Card Services Revenue | $2.6M | 12% |
