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美国国际集团（AII）与Bowhead Specialty Holdings Inc.（BOW）财务数据对比。点击上方公司名可切换其他公司
Bowhead Specialty Holdings Inc.的季度营收约是美国国际集团的2.2倍（$151.7M vs $68.1M）。美国国际集团净利率更高（30.7% vs 9.8%，领先20.9%）。Bowhead Specialty Holdings Inc.自由现金流更多（$58.6M vs $50.2M）
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。
Bowhead Specialty Holdings Inc.是一家专业保险控股企业，主营财产及意外伤害保险产品，聚焦北美地区服务不足的小众细分市场，为商业和个人客户提供定制化风险管理方案与专属保险保障服务。
AII vs BOW — 直观对比
营收规模更大
BOW
是对方的2.2倍
$68.1M
净利率更高
AII
高出20.9%
9.8%
自由现金流更多
BOW
多$8.5M
$50.2M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $151.7M |
| 净利润 | $20.9M | $14.8M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 11.7% |
| 净利率 | 30.7% | 9.8% |
| 营收同比 | — | — |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.58 | $0.44 |
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AIIBOW
| Q4 25 | $68.1M | $151.7M | ||
| Q3 25 | $62.0M | $143.9M | ||
| Q2 25 | $74.5M | $133.3M | ||
| Q1 25 | $71.9M | $122.7M | ||
| Q3 24 | — | $116.8M | ||
| Q2 24 | — | $98.9M |
净利润AIIBOW
| Q4 25 | $20.9M | $14.8M | ||
| Q3 25 | $13.2M | $15.2M | ||
| Q2 25 | $27.5M | $12.3M | ||
| Q1 25 | $38.1M | $11.4M | ||
| Q3 24 | — | $12.1M | ||
| Q2 24 | — | $5.5M |
营业利润率AIIBOW
| Q4 25 | 43.0% | 11.7% | ||
| Q3 25 | 30.3% | 13.3% | ||
| Q2 25 | 32.3% | 11.9% | ||
| Q1 25 | 59.7% | 11.8% | ||
| Q3 24 | — | 13.5% | ||
| Q2 24 | — | 7.5% |
净利率AIIBOW
| Q4 25 | 30.7% | 9.8% | ||
| Q3 25 | 21.2% | 10.5% | ||
| Q2 25 | 36.9% | 9.3% | ||
| Q1 25 | 53.0% | 9.3% | ||
| Q3 24 | — | 10.4% | ||
| Q2 24 | — | 5.6% |
每股收益（稀释后）AIIBOW
| Q4 25 | $0.58 | $0.44 | ||
| Q3 25 | $0.67 | $0.45 | ||
| Q2 25 | $1.62 | $0.36 | ||
| Q1 25 | $2.78 | $0.34 | ||
| Q3 24 | — | $0.36 | ||
| Q2 24 | — | $0.20 |
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 | $193.5M |
| 总债务越低越好 | $618.0K | $146.4M |
| 股东权益账面价值 | $337.0M | $448.3M |
| 总资产 | $1.2B | $2.4B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资AIIBOW
| Q4 25 | $222.0M | $193.5M | ||
| Q3 25 | $171.9M | $197.9M | ||
| Q2 25 | $259.6M | $114.8M | ||
| Q1 25 | $236.4M | $88.0M | ||
| Q3 24 | — | $132.9M | ||
| Q2 24 | — | $180.3M |
总债务AIIBOW
| Q4 25 | $618.0K | $146.4M | ||
| Q3 25 | $721.0K | — | ||
| Q2 25 | $824.0K | — | ||
| Q1 25 | $926.0K | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益AIIBOW
| Q4 25 | $337.0M | $448.3M | ||
| Q3 25 | $315.9M | $430.2M | ||
| Q2 25 | $301.9M | $407.2M | ||
| Q1 25 | $186.1M | $391.0M | ||
| Q3 24 | — | $364.7M | ||
| Q2 24 | — | $339.9M |
总资产AIIBOW
| Q4 25 | $1.2B | $2.4B | ||
| Q3 25 | $1.4B | $2.1B | ||
| Q2 25 | $1.6B | $1.9B | ||
| Q1 25 | $1.1B | $1.8B | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $1.4B |
负债/权益比AIIBOW
| Q4 25 | 0.00× | 0.33× | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| 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 | $60.1M |
| 自由现金流经营现金流 - 资本支出 | $50.2M | $58.6M |
| 自由现金流率自由现金流/营收 | 73.7% | 38.7% |
| 资本支出强度资本支出/营收 | 0.0% | 1.0% |
| 现金转化率经营现金流/净利润 | 2.41× | 4.05× |
| 过去12个月自由现金流最近4个季度 | $133.1M | $326.0M |
8季度趋势，按日历期对齐
经营现金流AIIBOW
| Q4 25 | $50.2M | $60.1M | ||
| Q3 25 | $-7.5M | $114.7M | ||
| Q2 25 | $27.4M | $109.0M | ||
| Q1 25 | $68.1M | $47.7M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | — |
自由现金流AIIBOW
| Q4 25 | $50.2M | $58.6M | ||
| Q3 25 | $-11.9M | $113.5M | ||
| Q2 25 | $26.9M | $107.4M | ||
| Q1 25 | $68.0M | $46.5M | ||
| Q3 24 | — | $118.4M | ||
| Q2 24 | — | — |
自由现金流率AIIBOW
| Q4 25 | 73.7% | 38.7% | ||
| Q3 25 | -19.2% | 78.8% | ||
| Q2 25 | 36.1% | 80.6% | ||
| Q1 25 | 94.6% | 37.9% | ||
| Q3 24 | — | 101.4% | ||
| Q2 24 | — | — |
资本支出强度AIIBOW
| Q4 25 | 0.0% | 1.0% | ||
| Q3 25 | 7.2% | 0.9% | ||
| Q2 25 | 0.6% | 1.2% | ||
| Q1 25 | 0.2% | 1.0% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | — |
现金转化率AIIBOW
| Q4 25 | 2.41× | 4.05× | ||
| Q3 25 | -0.57× | 7.56× | ||
| Q2 25 | 1.00× | 8.83× | ||
| Q1 25 | 1.79× | 4.18× | ||
| Q3 24 | — | 9.88× | ||
| Q2 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
