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美国国际集团（AII）与Cincinnati Financial（CINF）财务数据对比。点击上方公司名可切换其他公司
Cincinnati Financial的季度营收约是美国国际集团的45.4倍（$3.1B vs $68.1M）。美国国际集团净利率更高（30.7% vs 21.9%，领先8.8%）。Cincinnati Financial自由现金流更多（$939.0M 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。
辛辛那提金融公司主营财产与意外伤害保险，通过旗下辛辛那提保险公司、辛辛那提赔偿公司及辛辛那提意外伤害保险公司运营核心业务。目前该公司在美国国内财险保费市场占比达1.01%，按市场份额计算位列美国第20大保险公司。
AII vs CINF — 直观对比
营收规模更大
CINF
是对方的45.4倍
$68.1M
净利率更高
AII
高出8.8%
21.9%
自由现金流更多
CINF
多$888.8M
$50.2M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $3.1B |
| 净利润 | $20.9M | $676.0M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 27.2% |
| 净利率 | 30.7% | 21.9% |
| 营收同比 | — | 21.8% |
| 净利润同比 | — | 66.9% |
| 每股收益（稀释后） | $0.58 | $4.29 |
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AIICINF
| Q4 25 | $68.1M | $3.1B | ||
| Q3 25 | $62.0M | $3.7B | ||
| Q2 25 | $74.5M | $3.2B | ||
| Q1 25 | $71.9M | $2.6B | ||
| Q4 24 | — | $2.5B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $2.5B | ||
| Q1 24 | — | $2.9B |
净利润AIICINF
| Q4 25 | $20.9M | $676.0M | ||
| Q3 25 | $13.2M | $1.1B | ||
| Q2 25 | $27.5M | $685.0M | ||
| Q1 25 | $38.1M | $-90.0M | ||
| Q4 24 | — | $405.0M | ||
| Q3 24 | — | $820.0M | ||
| Q2 24 | — | $312.0M | ||
| Q1 24 | — | $755.0M |
营业利润率AIICINF
| Q4 25 | 43.0% | 27.2% | ||
| Q3 25 | 30.3% | 37.9% | ||
| Q2 25 | 32.3% | 26.3% | ||
| Q1 25 | 59.7% | -5.0% | ||
| Q4 24 | — | 18.9% | ||
| Q3 24 | — | 31.3% | ||
| Q2 24 | — | 15.2% | ||
| Q1 24 | — | 32.5% |
净利率AIICINF
| Q4 25 | 30.7% | 21.9% | ||
| Q3 25 | 21.2% | 30.1% | ||
| Q2 25 | 36.9% | 21.1% | ||
| Q1 25 | 53.0% | -3.5% | ||
| Q4 24 | — | 16.0% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 12.3% | ||
| Q1 24 | — | 25.7% |
每股收益（稀释后）AIICINF
| Q4 25 | $0.58 | $4.29 | ||
| Q3 25 | $0.67 | $7.11 | ||
| Q2 25 | $1.62 | $4.34 | ||
| Q1 25 | $2.78 | $-0.57 | ||
| Q4 24 | — | $2.57 | ||
| Q3 24 | — | $5.20 | ||
| Q2 24 | — | $1.98 | ||
| Q1 24 | — | $4.78 |
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 | $148.0M |
| 总债务越低越好 | $618.0K | $861.0M |
| 股东权益账面价值 | $337.0M | $15.9B |
| 总资产 | $1.2B | $41.0B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资AIICINF
| Q4 25 | $222.0M | $148.0M | ||
| Q3 25 | $171.9M | $1.6B | ||
| Q2 25 | $259.6M | $1.1B | ||
| Q1 25 | $236.4M | $1.1B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.8B | ||
| Q2 24 | — | $771.0M | ||
| Q1 24 | — | $619.0M |
总债务AIICINF
| Q4 25 | $618.0K | $861.0M | ||
| Q3 25 | $721.0K | $858.0M | ||
| Q2 25 | $824.0K | $859.0M | ||
| Q1 25 | $926.0K | $853.0M | ||
| Q4 24 | — | $850.0M | ||
| Q3 24 | — | $849.0M | ||
| Q2 24 | — | $849.0M | ||
| Q1 24 | — | $848.0M |
股东权益AIICINF
| Q4 25 | $337.0M | $15.9B | ||
| Q3 25 | $315.9M | $15.4B | ||
| Q2 25 | $301.9M | $14.3B | ||
| Q1 25 | $186.1M | $13.7B | ||
| Q4 24 | — | $13.9B | ||
| Q3 24 | — | $13.8B | ||
| Q2 24 | — | $12.8B | ||
| Q1 24 | — | $12.7B |
总资产AIICINF
| Q4 25 | $1.2B | $41.0B | ||
| Q3 25 | $1.4B | $40.6B | ||
| Q2 25 | $1.6B | $38.8B | ||
| Q1 25 | $1.1B | $37.3B | ||
| Q4 24 | — | $36.5B | ||
| Q3 24 | — | $37.0B | ||
| Q2 24 | — | $34.8B | ||
| Q1 24 | — | $33.7B |
负债/权益比AIICINF
| Q4 25 | 0.00× | 0.05× | ||
| Q3 25 | 0.00× | 0.06× | ||
| Q2 25 | 0.00× | 0.06× | ||
| Q1 25 | 0.00× | 0.06× | ||
| Q4 24 | — | 0.06× | ||
| Q3 24 | — | 0.06× | ||
| Q2 24 | — | 0.07× | ||
| Q1 24 | — | 0.07× |
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 | $947.0M |
| 自由现金流经营现金流 - 资本支出 | $50.2M | $939.0M |
| 自由现金流率自由现金流/营收 | 73.7% | 30.4% |
| 资本支出强度资本支出/营收 | 0.0% | 0.3% |
| 现金转化率经营现金流/净利润 | 2.41× | 1.40× |
| 过去12个月自由现金流最近4个季度 | $133.1M | $3.1B |
8季度趋势，按日历期对齐
经营现金流AIICINF
| Q4 25 | $50.2M | $947.0M | ||
| Q3 25 | $-7.5M | $1.1B | ||
| Q2 25 | $27.4M | $741.0M | ||
| Q1 25 | $68.1M | $310.0M | ||
| Q4 24 | — | $642.0M | ||
| Q3 24 | — | $912.0M | ||
| Q2 24 | — | $742.0M | ||
| Q1 24 | — | $353.0M |
自由现金流AIICINF
| Q4 25 | $50.2M | $939.0M | ||
| Q3 25 | $-11.9M | $1.1B | ||
| Q2 25 | $26.9M | $737.0M | ||
| Q1 25 | $68.0M | $307.0M | ||
| Q4 24 | — | $638.0M | ||
| Q3 24 | — | $906.0M | ||
| Q2 24 | — | $737.0M | ||
| Q1 24 | — | $346.0M |
自由现金流率AIICINF
| Q4 25 | 73.7% | 30.4% | ||
| Q3 25 | -19.2% | 29.8% | ||
| Q2 25 | 36.1% | 22.7% | ||
| Q1 25 | 94.6% | 12.0% | ||
| Q4 24 | — | 25.1% | ||
| Q3 24 | — | 27.3% | ||
| Q2 24 | — | 29.0% | ||
| Q1 24 | — | 11.8% |
资本支出强度AIICINF
| Q4 25 | 0.0% | 0.3% | ||
| Q3 25 | 7.2% | 0.1% | ||
| Q2 25 | 0.6% | 0.1% | ||
| Q1 25 | 0.2% | 0.1% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 0.2% |
现金转化率AIICINF
| Q4 25 | 2.41× | 1.40× | ||
| Q3 25 | -0.57× | 0.99× | ||
| Q2 25 | 1.00× | 1.08× | ||
| Q1 25 | 1.79× | — | ||
| Q4 24 | — | 1.59× | ||
| Q3 24 | — | 1.11× | ||
| Q2 24 | — | 2.38× | ||
| Q1 24 | — | 0.47× |
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
CINF
| Commercial Lines Insurance | $1.2B | 40% |
| Personal Lines Insurance | $860.0M | 28% |
| Investment Segment Of CINF | $488.0M | 16% |
| Other | $224.0M | 7% |
| Excessand Surplus Lines Insurance | $189.0M | 6% |
| Life Insurance | $86.0M | 3% |
