vs
美国国际集团（AII）与Certara, Inc.（CERT）财务数据对比。点击上方公司名可切换其他公司
Certara, Inc.的季度营收约是美国国际集团的1.5倍（$103.6M vs $68.1M），美国国际集团净利率更高（30.7% vs -5.7%，领先36.3%），美国国际集团自由现金流更多（$133.2M vs $27.8M）
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。
Certara是全球领先的生物制药软件及咨询服务提供商，专注于建模模拟、监管科学领域的解决方案，服务药企、生物技术企业及医疗相关方，覆盖药物研发全周期，助力加快新疗法上市，降低研发风险与综合成本。
AII vs CERT — 直观对比
营收规模更大
CERT
是对方的1.5倍
$68.1M
净利率更高
AII
高出36.3%
-5.7%
自由现金流更多
AII
多$105.4M
$27.8M
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $103.6M |
| 净利润 | $20.9M | $-5.9M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 0.8% |
| 净利率 | 30.7% | -5.7% |
| 营收同比 | — | 3.3% |
| 净利润同比 | — | -189.6% |
| 每股收益（稀释后） | $0.58 | $-0.04 |
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AIICERT
| Q4 25 | $68.1M | $103.6M | ||
| Q3 25 | $62.0M | $104.6M | ||
| Q2 25 | $74.5M | $104.6M | ||
| Q1 25 | $71.9M | $106.0M | ||
| Q4 24 | — | $100.4M | ||
| Q3 24 | — | $94.8M | ||
| Q2 24 | — | $93.3M | ||
| Q1 24 | — | $96.7M |
净利润AIICERT
| Q4 25 | $20.9M | $-5.9M | ||
| Q3 25 | $13.2M | $1.5M | ||
| Q2 25 | $27.5M | $-2.0M | ||
| Q1 25 | $38.1M | $4.7M | ||
| Q4 24 | — | $6.6M | ||
| Q3 24 | — | $-1.4M | ||
| Q2 24 | — | $-12.6M | ||
| Q1 24 | — | $-4.7M |
营业利润率AIICERT
| Q4 25 | 43.0% | 0.8% | ||
| Q3 25 | 30.3% | 2.9% | ||
| Q2 25 | 32.3% | 9.1% | ||
| Q1 25 | 59.7% | 7.2% | ||
| Q4 24 | — | 6.0% | ||
| Q3 24 | — | 2.7% | ||
| Q2 24 | — | -9.7% | ||
| Q1 24 | — | -1.3% |
净利率AIICERT
| Q4 25 | 30.7% | -5.7% | ||
| Q3 25 | 21.2% | 1.5% | ||
| Q2 25 | 36.9% | -1.9% | ||
| Q1 25 | 53.0% | 4.5% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | — | -1.4% | ||
| Q2 24 | — | -13.5% | ||
| Q1 24 | — | -4.8% |
每股收益（稀释后）AIICERT
| Q4 25 | $0.58 | $-0.04 | ||
| Q3 25 | $0.67 | $0.01 | ||
| Q2 25 | $1.62 | $-0.01 | ||
| Q1 25 | $2.78 | $0.03 | ||
| Q4 24 | — | $0.04 | ||
| Q3 24 | — | $-0.01 | ||
| Q2 24 | — | $-0.08 | ||
| Q1 24 | — | $-0.03 |
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 | $189.4M |
| 总债务越低越好 | $618.0K | $293.1M |
| 股东权益账面价值 | $337.0M | $1.1B |
| 总资产 | $1.2B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.28× |
8季度趋势，按日历期对齐
现金及短期投资AIICERT
| Q4 25 | $222.0M | $189.4M | ||
| Q3 25 | $171.9M | $172.7M | ||
| Q2 25 | $259.6M | $162.3M | ||
| Q1 25 | $236.4M | $179.1M | ||
| Q4 24 | — | $179.2M | ||
| Q3 24 | — | $233.0M | ||
| Q2 24 | — | $224.6M | ||
| Q1 24 | — | $224.8M |
总债务AIICERT
| Q4 25 | $618.0K | $293.1M | ||
| Q3 25 | $721.0K | $293.5M | ||
| Q2 25 | $824.0K | $294.2M | ||
| Q1 25 | $926.0K | $294.8M | ||
| Q4 24 | — | $295.4M | ||
| Q3 24 | — | $296.1M | ||
| Q2 24 | — | $296.7M | ||
| Q1 24 | — | $290.8M |
股东权益AIICERT
| Q4 25 | $337.0M | $1.1B | ||
| Q3 25 | $315.9M | $1.1B | ||
| Q2 25 | $301.9M | $1.1B | ||
| Q1 25 | $186.1M | $1.1B | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $1.1B | ||
| Q2 24 | — | $1.0B | ||
| Q1 24 | — | $1.1B |
总资产AIICERT
| Q4 25 | $1.2B | $1.6B | ||
| Q3 25 | $1.4B | $1.5B | ||
| Q2 25 | $1.6B | $1.5B | ||
| Q1 25 | $1.1B | $1.6B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $1.5B | ||
| Q1 24 | — | $1.5B |
负债/权益比AIICERT
| Q4 25 | 0.00× | 0.28× | ||
| Q3 25 | 0.00× | 0.28× | ||
| Q2 25 | 0.00× | 0.27× | ||
| Q1 25 | 0.00× | 0.27× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | — | 0.28× | ||
| Q2 24 | — | 0.28× | ||
| Q1 24 | — | 0.28× |
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 | $138.2M | $28.8M |
| 自由现金流经营现金流 - 资本支出 | $133.2M | $27.8M |
| 自由现金流率自由现金流/营收 | 195.6% | 26.8% |
| 资本支出强度资本支出/营收 | 7.4% | 1.0% |
| 现金转化率经营现金流/净利润 | 6.62× | — |
| 过去12个月自由现金流最近4个季度 | $216.1M | $94.4M |
8季度趋势，按日历期对齐
经营现金流AIICERT
| Q4 25 | $138.2M | $28.8M | ||
| Q3 25 | $-7.5M | $32.3M | ||
| Q2 25 | $27.4M | $17.8M | ||
| Q1 25 | $68.1M | $17.4M | ||
| Q4 24 | — | $49.4M | ||
| Q3 24 | — | $17.0M | ||
| Q2 24 | — | $9.8M | ||
| Q1 24 | — | $4.3M |
自由现金流AIICERT
| Q4 25 | $133.2M | $27.8M | ||
| Q3 25 | $-11.9M | $32.1M | ||
| Q2 25 | $26.9M | $17.8M | ||
| Q1 25 | $68.0M | $16.8M | ||
| Q4 24 | — | $49.0M | ||
| Q3 24 | — | $16.8M | ||
| Q2 24 | — | $9.4M | ||
| Q1 24 | — | $3.7M |
自由现金流率AIICERT
| Q4 25 | 195.6% | 26.8% | ||
| Q3 25 | -19.2% | 30.7% | ||
| Q2 25 | 36.1% | 17.0% | ||
| Q1 25 | 94.6% | 15.8% | ||
| Q4 24 | — | 48.8% | ||
| Q3 24 | — | 17.7% | ||
| Q2 24 | — | 10.1% | ||
| Q1 24 | — | 3.8% |
资本支出强度AIICERT
| Q4 25 | 7.4% | 1.0% | ||
| Q3 25 | 7.2% | 0.2% | ||
| Q2 25 | 0.6% | 0.1% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.6% |
现金转化率AIICERT
| Q4 25 | 6.62× | — | ||
| Q3 25 | -0.57× | 21.19× | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.79× | 3.66× | ||
| Q4 24 | — | 7.51× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
