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美国国际集团（AII）与富兰克林邓普顿（BEN）财务数据对比。点击上方公司名可切换其他公司
富兰克林邓普顿的季度营收约是美国国际集团的34.2倍（$2.3B vs $68.1M）。美国国际集团净利率更高（30.7% vs 11.0%，领先19.7%）
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。
富兰克林资源（运营品牌为富兰克林邓普顿）是美国跨国投资管理控股集团，1947年创立于纽约，纽交所上市代码为BEN，命名源自创始人敬仰的本杰明·富兰克林，是全球知名的综合投资服务机构。
AII vs BEN — 直观对比
营收规模更大
BEN
是对方的34.2倍
$68.1M
净利率更高
AII
高出19.7%
11.0%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $2.3B |
| 净利润 | $20.9M | $255.5M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 12.1% |
| 净利率 | 30.7% | 11.0% |
| 营收同比 | — | 3.4% |
| 净利润同比 | — | 56.2% |
| 每股收益（稀释后） | $0.58 | $0.46 |
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AIIBEN
| Q4 25 | $68.1M | $2.3B | ||
| Q3 25 | $62.0M | $2.3B | ||
| Q2 25 | $74.5M | $2.1B | ||
| Q1 25 | $71.9M | $2.1B | ||
| Q4 24 | — | $2.3B | ||
| Q3 24 | — | $2.2B | ||
| Q2 24 | — | $2.1B | ||
| Q1 24 | — | $2.2B |
净利润AIIBEN
| Q4 25 | $20.9M | $255.5M | ||
| Q3 25 | $13.2M | $117.6M | ||
| Q2 25 | $27.5M | $92.3M | ||
| Q1 25 | $38.1M | $151.4M | ||
| Q4 24 | — | $163.6M | ||
| Q3 24 | — | $-84.7M | ||
| Q2 24 | — | $174.0M | ||
| Q1 24 | — | $124.2M |
营业利润率AIIBEN
| Q4 25 | 43.0% | 12.1% | ||
| Q3 25 | 30.3% | 3.6% | ||
| Q2 25 | 32.3% | 7.5% | ||
| Q1 25 | 59.7% | 6.9% | ||
| Q4 24 | — | 9.7% | ||
| Q3 24 | — | -6.8% | ||
| Q2 24 | — | 10.5% | ||
| Q1 24 | — | 6.0% |
净利率AIIBEN
| Q4 25 | 30.7% | 11.0% | ||
| Q3 25 | 21.2% | 5.0% | ||
| Q2 25 | 36.9% | 4.5% | ||
| Q1 25 | 53.0% | 7.2% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | -3.8% | ||
| Q2 24 | — | 8.2% | ||
| Q1 24 | — | 5.8% |
每股收益（稀释后）AIIBEN
| Q4 25 | $0.58 | $0.46 | ||
| Q3 25 | $0.67 | $0.21 | ||
| Q2 25 | $1.62 | $0.15 | ||
| Q1 25 | $2.78 | $0.26 | ||
| Q4 24 | — | $0.29 | ||
| Q3 24 | — | $-0.20 | ||
| Q2 24 | — | $0.32 | ||
| Q1 24 | — | $0.23 |
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 | — |
| 总债务越低越好 | $618.0K | $2.4B |
| 股东权益账面价值 | $337.0M | $12.1B |
| 总资产 | $1.2B | $32.5B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.19× |
8季度趋势，按日历期对齐
现金及短期投资AIIBEN
| Q4 25 | $222.0M | — | ||
| Q3 25 | $171.9M | — | ||
| Q2 25 | $259.6M | — | ||
| Q1 25 | $236.4M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
总债务AIIBEN
| Q4 25 | $618.0K | $2.4B | ||
| Q3 25 | $721.0K | $2.4B | ||
| Q2 25 | $824.0K | $2.7B | ||
| Q1 25 | $926.0K | $2.7B | ||
| Q4 24 | — | $2.8B | ||
| Q3 24 | — | $2.8B | ||
| Q2 24 | — | $3.0B | ||
| Q1 24 | — | $3.0B |
股东权益AIIBEN
| Q4 25 | $337.0M | $12.1B | ||
| Q3 25 | $315.9M | $12.1B | ||
| Q2 25 | $301.9M | $12.2B | ||
| Q1 25 | $186.1M | $12.3B | ||
| Q4 24 | — | $12.5B | ||
| Q3 24 | — | $12.5B | ||
| Q2 24 | — | $12.9B | ||
| Q1 24 | — | $12.9B |
总资产AIIBEN
| Q4 25 | $1.2B | $32.5B | ||
| Q3 25 | $1.4B | $32.4B | ||
| Q2 25 | $1.6B | $32.6B | ||
| Q1 25 | $1.1B | $32.0B | ||
| Q4 24 | — | $32.4B | ||
| Q3 24 | — | $32.5B | ||
| Q2 24 | — | $33.3B | ||
| Q1 24 | — | $32.9B |
负债/权益比AIIBEN
| Q4 25 | 0.00× | 0.19× | ||
| Q3 25 | 0.00× | 0.20× | ||
| Q2 25 | 0.00× | 0.22× | ||
| Q1 25 | 0.00× | 0.22× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | — | 0.22× | ||
| Q2 24 | — | 0.24× | ||
| Q1 24 | — | 0.24× |
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 | $-255.1M |
| 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× | -1.00× |
| 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AIIBEN
| Q4 25 | $50.2M | $-255.1M | ||
| Q3 25 | $-7.5M | $-20.7M | ||
| Q2 25 | $27.4M | $1.3B | ||
| Q1 25 | $68.1M | $-50.1M | ||
| Q4 24 | — | $-145.2M | ||
| Q3 24 | — | $558.2M | ||
| Q2 24 | — | $528.4M | ||
| Q1 24 | — | $136.6M |
自由现金流AIIBEN
| Q4 25 | $50.2M | — | ||
| Q3 25 | $-11.9M | $-51.9M | ||
| Q2 25 | $26.9M | $1.3B | ||
| Q1 25 | $68.0M | $-87.6M | ||
| Q4 24 | — | $-217.0M | ||
| Q3 24 | — | $488.4M | ||
| Q2 24 | — | $482.3M | ||
| Q1 24 | — | $94.9M |
自由现金流率AIIBEN
| Q4 25 | 73.7% | — | ||
| Q3 25 | -19.2% | -2.2% | ||
| Q2 25 | 36.1% | 61.4% | ||
| Q1 25 | 94.6% | -4.1% | ||
| Q4 24 | — | -9.6% | ||
| Q3 24 | — | 22.1% | ||
| Q2 24 | — | 22.7% | ||
| Q1 24 | — | 4.4% |
资本支出强度AIIBEN
| Q4 25 | 0.0% | — | ||
| Q3 25 | 7.2% | 1.3% | ||
| Q2 25 | 0.6% | 0.7% | ||
| Q1 25 | 0.2% | 1.8% | ||
| Q4 24 | — | 3.2% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | 1.9% |
现金转化率AIIBEN
| Q4 25 | 2.41× | -1.00× | ||
| Q3 25 | -0.57× | -0.18× | ||
| Q2 25 | 1.00× | 13.89× | ||
| Q1 25 | 1.79× | -0.33× | ||
| Q4 24 | — | -0.89× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.04× | ||
| Q1 24 | — | 1.10× |
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
AII
暂无分部数据
BEN
| Investment Advisory Management And Administrative Service | $1.8B | 79% |
| Sales And Distribution Fees | $388.7M | 17% |
| Shareholder Service | $70.9M | 3% |
| Service Other | $19.6M | 1% |
