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美国国际集团（AII）与AMERISAFE INC（AMSF）财务数据对比。点击上方公司名可切换其他公司
AMERISAFE INC的季度营收约是美国国际集团的1.2倍（$80.1M vs $68.1M）。美国国际集团净利率更高（30.7% vs 10.2%，领先20.5%）
美国国际集团（AIG）是一家美国跨国金融保险集团，业务遍及全球80多个国家和地区，截至2023年共有雇员25200人。集团核心业务分为三大板块：一般保险、人寿与退休服务，另设有一家独立的科技赋能子公司。
AMERISAFE Inc.是一家专业工伤保险服务商，核心经营市场为美国，覆盖本土49个州，主要为建筑、伐木、货运、制造等高风险行业的中小企业提供定制化工伤险产品及配套风险管理解决方案。
AII vs AMSF — 直观对比
营收规模更大
AMSF
是对方的1.2倍
$68.1M
净利率更高
AII
高出20.5%
10.2%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $80.1M |
| 净利润 | $20.9M | $8.1M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | — |
| 净利率 | 30.7% | 10.2% |
| 营收同比 | — | 10.3% |
| 净利润同比 | — | -9.0% |
| 每股收益（稀释后） | $0.58 | $0.43 |
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AIIAMSF
| Q1 26 | — | $80.1M | ||
| Q4 25 | $68.1M | $81.6M | ||
| Q3 25 | $62.0M | $82.0M | ||
| Q2 25 | $74.5M | $81.1M | ||
| Q1 25 | $71.9M | $72.6M | ||
| Q4 24 | — | $74.0M | ||
| Q3 24 | — | $78.7M | ||
| Q2 24 | — | $75.8M |
净利润AIIAMSF
| Q1 26 | — | $8.1M | ||
| Q4 25 | $20.9M | $10.4M | ||
| Q3 25 | $13.2M | $13.8M | ||
| Q2 25 | $27.5M | $14.0M | ||
| Q1 25 | $38.1M | $8.9M | ||
| Q4 24 | — | $13.2M | ||
| Q3 24 | — | $14.3M | ||
| Q2 24 | — | $11.0M |
营业利润率AIIAMSF
| Q1 26 | — | — | ||
| Q4 25 | 43.0% | 15.6% | ||
| Q3 25 | 30.3% | 21.3% | ||
| Q2 25 | 32.3% | 21.5% | ||
| Q1 25 | 59.7% | 15.5% | ||
| Q4 24 | — | 22.7% | ||
| Q3 24 | — | 22.6% | ||
| Q2 24 | — | 18.1% |
净利率AIIAMSF
| Q1 26 | — | 10.2% | ||
| Q4 25 | 30.7% | 12.8% | ||
| Q3 25 | 21.2% | 16.9% | ||
| Q2 25 | 36.9% | 17.2% | ||
| Q1 25 | 53.0% | 12.3% | ||
| Q4 24 | — | 17.8% | ||
| Q3 24 | — | 18.2% | ||
| Q2 24 | — | 14.5% |
每股收益（稀释后）AIIAMSF
| Q1 26 | — | $0.43 | ||
| Q4 25 | $0.58 | $0.55 | ||
| Q3 25 | $0.67 | $0.72 | ||
| Q2 25 | $1.62 | $0.73 | ||
| Q1 25 | $2.78 | $0.47 | ||
| Q4 24 | — | $0.69 | ||
| Q3 24 | — | $0.75 | ||
| Q2 24 | — | $0.57 |
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 | $222.0M | $34.2M |
| 总债务越低越好 | $618.0K | — |
| 股东权益账面价值 | $337.0M | $246.6M |
| 总资产 | $1.2B | — |
| 负债/权益比越低杠杆越低 | 0.00× | — |
8季度趋势，按日历期对齐
现金及短期投资AIIAMSF
| Q1 26 | — | $34.2M | ||
| Q4 25 | $222.0M | $61.9M | ||
| Q3 25 | $171.9M | $54.7M | ||
| Q2 25 | $259.6M | $48.5M | ||
| Q1 25 | $236.4M | $44.8M | ||
| Q4 24 | — | $44.1M | ||
| Q3 24 | — | $63.7M | ||
| Q2 24 | — | $30.6M |
总债务AIIAMSF
| Q1 26 | — | — | ||
| Q4 25 | $618.0K | — | ||
| Q3 25 | $721.0K | — | ||
| Q2 25 | $824.0K | — | ||
| Q1 25 | $926.0K | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益AIIAMSF
| Q1 26 | — | $246.6M | ||
| Q4 25 | $337.0M | $251.6M | ||
| Q3 25 | $315.9M | $274.8M | ||
| Q2 25 | $301.9M | $265.6M | ||
| Q1 25 | $186.1M | $260.8M | ||
| Q4 24 | — | $257.3M | ||
| Q3 24 | — | $314.4M | ||
| Q2 24 | — | $301.0M |
总资产AIIAMSF
| Q1 26 | — | — | ||
| Q4 25 | $1.2B | $1.1B | ||
| Q3 25 | $1.4B | $1.2B | ||
| Q2 25 | $1.6B | $1.2B | ||
| Q1 25 | $1.1B | $1.2B | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $1.3B | ||
| Q2 24 | — | $1.2B |
负债/权益比AIIAMSF
| Q1 26 | — | — | ||
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 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 | $50.2M | — |
| 自由现金流经营现金流 - 资本支出 | $50.2M | — |
| 自由现金流率自由现金流/营收 | 73.7% | — |
| 资本支出强度资本支出/营收 | 0.0% | — |
| 现金转化率经营现金流/净利润 | 2.41× | — |
| 过去12个月自由现金流最近4个季度 | $133.1M | — |
8季度趋势，按日历期对齐
经营现金流AIIAMSF
| Q1 26 | — | — | ||
| Q4 25 | $50.2M | $10.6M | ||
| Q3 25 | $-7.5M | $10.7M | ||
| Q2 25 | $27.4M | $-8.4M | ||
| Q1 25 | $68.1M | $-1.8M | ||
| Q4 24 | — | $10.8M | ||
| Q3 24 | — | $8.4M | ||
| Q2 24 | — | $-2.6M |
自由现金流AIIAMSF
| Q1 26 | — | — | ||
| Q4 25 | $50.2M | $10.4M | ||
| Q3 25 | $-11.9M | $9.8M | ||
| Q2 25 | $26.9M | $-9.5M | ||
| Q1 25 | $68.0M | $-1.8M | ||
| Q4 24 | — | $10.8M | ||
| Q3 24 | — | $8.4M | ||
| Q2 24 | — | $-2.6M |
自由现金流率AIIAMSF
| Q1 26 | — | — | ||
| Q4 25 | 73.7% | 12.8% | ||
| Q3 25 | -19.2% | 11.9% | ||
| Q2 25 | 36.1% | -11.7% | ||
| Q1 25 | 94.6% | -2.5% | ||
| Q4 24 | — | 14.6% | ||
| Q3 24 | — | 10.7% | ||
| Q2 24 | — | -3.5% |
资本支出强度AIIAMSF
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 0.2% | ||
| Q3 25 | 7.2% | 1.1% | ||
| Q2 25 | 0.6% | 1.3% | ||
| Q1 25 | 0.2% | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.1% |
现金转化率AIIAMSF
| Q1 26 | — | — | ||
| Q4 25 | 2.41× | 1.02× | ||
| Q3 25 | -0.57× | 0.77× | ||
| Q2 25 | 1.00× | -0.61× | ||
| Q1 25 | 1.79× | -0.20× | ||
| Q4 24 | — | 0.82× | ||
| Q3 24 | — | 0.59× | ||
| Q2 24 | — | -0.24× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
