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美国国际集团（AII）与CNA FINANCIAL CORP（CNA）财务数据对比。点击上方公司名可切换其他公司
CNA FINANCIAL CORP的季度营收约是美国国际集团的5.7倍（$389.0M vs $68.1M）。CNA FINANCIAL CORP净利率更高（77.6% vs 30.7%，领先47.0%）。CNA FINANCIAL CORP自由现金流更多（$542.0M 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。
CNA金融公司是总部位于美国伊利诺伊州芝加哥的金融企业，旗下核心子公司大陆意外伤害保险公司成立于1897年，大陆保险公司的历史则可追溯至1853年，当前母公司CNA于1967年正式注册成立，在保险及金融服务领域拥有深厚的行业积淀。
AII vs CNA — 直观对比
营收规模更大
CNA
是对方的5.7倍
$68.1M
净利率更高
CNA
高出47.0%
30.7%
自由现金流更多
CNA
多$491.8M
$50.2M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $389.0M |
| 净利润 | $20.9M | $302.0M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 97.2% |
| 净利率 | 30.7% | 77.6% |
| 营收同比 | — | -2.0% |
| 净利润同比 | — | 1338.1% |
| 每股收益（稀释后） | $0.58 | $1.11 |
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AIICNA
| Q4 25 | $68.1M | $389.0M | ||
| Q3 25 | $62.0M | $393.0M | ||
| Q2 25 | $74.5M | $398.0M | ||
| Q1 25 | $71.9M | $397.0M | ||
| Q4 24 | — | $397.0M | ||
| Q3 24 | — | $401.0M | ||
| Q2 24 | — | $404.0M | ||
| Q1 24 | — | $407.0M |
净利润AIICNA
| Q4 25 | $20.9M | $302.0M | ||
| Q3 25 | $13.2M | $403.0M | ||
| Q2 25 | $27.5M | $299.0M | ||
| Q1 25 | $38.1M | $274.0M | ||
| Q4 24 | — | $21.0M | ||
| Q3 24 | — | $283.0M | ||
| Q2 24 | — | $317.0M | ||
| Q1 24 | — | $338.0M |
营业利润率AIICNA
| Q4 25 | 43.0% | 97.2% | ||
| Q3 25 | 30.3% | — | ||
| Q2 25 | 32.3% | 95.5% | ||
| Q1 25 | 59.7% | 87.9% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | — | 90.0% | ||
| Q2 24 | — | 99.5% | ||
| Q1 24 | — | — |
净利率AIICNA
| Q4 25 | 30.7% | 77.6% | ||
| Q3 25 | 21.2% | 102.5% | ||
| Q2 25 | 36.9% | 75.1% | ||
| Q1 25 | 53.0% | 69.0% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | — | 70.6% | ||
| Q2 24 | — | 78.5% | ||
| Q1 24 | — | 83.0% |
每股收益（稀释后）AIICNA
| Q4 25 | $0.58 | $1.11 | ||
| Q3 25 | $0.67 | $1.48 | ||
| Q2 25 | $1.62 | $1.10 | ||
| Q1 25 | $2.78 | $1.00 | ||
| Q4 24 | — | $0.07 | ||
| Q3 24 | — | $1.04 | ||
| Q2 24 | — | $1.17 | ||
| Q1 24 | — | $1.24 |
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 | $3.0B |
| 股东权益账面价值 | $337.0M | $11.6B |
| 总资产 | $1.2B | $69.4B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资AIICNA
| 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AIICNA
| Q4 25 | $618.0K | $3.0B | ||
| Q3 25 | $721.0K | — | ||
| Q2 25 | $824.0K | — | ||
| Q1 25 | $926.0K | — | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIICNA
| Q4 25 | $337.0M | $11.6B | ||
| Q3 25 | $315.9M | $11.3B | ||
| Q2 25 | $301.9M | $10.7B | ||
| Q1 25 | $186.1M | $10.3B | ||
| Q4 24 | — | $10.5B | ||
| Q3 24 | — | $10.8B | ||
| Q2 24 | — | $9.9B | ||
| Q1 24 | — | $9.7B |
总资产AIICNA
| Q4 25 | $1.2B | $69.4B | ||
| Q3 25 | $1.4B | $69.8B | ||
| Q2 25 | $1.6B | $68.9B | ||
| Q1 25 | $1.1B | $67.3B | ||
| Q4 24 | — | $66.5B | ||
| Q3 24 | — | $67.4B | ||
| Q2 24 | — | $65.2B | ||
| Q1 24 | — | $65.1B |
负债/权益比AIICNA
| Q4 25 | 0.00× | 0.26× | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $570.0M |
| 自由现金流经营现金流 - 资本支出 | $50.2M | $542.0M |
| 自由现金流率自由现金流/营收 | 73.7% | 139.3% |
| 资本支出强度资本支出/营收 | 0.0% | 7.2% |
| 现金转化率经营现金流/净利润 | 2.41× | 1.89× |
| 过去12个月自由现金流最近4个季度 | $133.1M | $2.4B |
8季度趋势，按日历期对齐
经营现金流AIICNA
| Q4 25 | $50.2M | $570.0M | ||
| Q3 25 | $-7.5M | $720.0M | ||
| Q2 25 | $27.4M | $562.0M | ||
| Q1 25 | $68.1M | $638.0M | ||
| Q4 24 | — | $703.0M | ||
| Q3 24 | — | $748.0M | ||
| Q2 24 | — | $616.0M | ||
| Q1 24 | — | $504.0M |
自由现金流AIICNA
| Q4 25 | $50.2M | $542.0M | ||
| Q3 25 | $-11.9M | $704.0M | ||
| Q2 25 | $26.9M | $538.0M | ||
| Q1 25 | $68.0M | $620.0M | ||
| Q4 24 | — | $665.0M | ||
| Q3 24 | — | $730.0M | ||
| Q2 24 | — | $597.0M | ||
| Q1 24 | — | $484.0M |
自由现金流率AIICNA
| Q4 25 | 73.7% | 139.3% | ||
| Q3 25 | -19.2% | 179.1% | ||
| Q2 25 | 36.1% | 135.2% | ||
| Q1 25 | 94.6% | 156.2% | ||
| Q4 24 | — | 167.5% | ||
| Q3 24 | — | 182.0% | ||
| Q2 24 | — | 147.8% | ||
| Q1 24 | — | 118.9% |
资本支出强度AIICNA
| Q4 25 | 0.0% | 7.2% | ||
| Q3 25 | 7.2% | 4.1% | ||
| Q2 25 | 0.6% | 6.0% | ||
| Q1 25 | 0.2% | 4.5% | ||
| Q4 24 | — | 9.6% | ||
| Q3 24 | — | 4.5% | ||
| Q2 24 | — | 4.7% | ||
| Q1 24 | — | 4.9% |
现金转化率AIICNA
| Q4 25 | 2.41× | 1.89× | ||
| Q3 25 | -0.57× | 1.79× | ||
| Q2 25 | 1.00× | 1.88× | ||
| Q1 25 | 1.79× | 2.33× | ||
| Q4 24 | — | 33.48× | ||
| Q3 24 | — | 2.64× | ||
| Q2 24 | — | 1.94× | ||
| Q1 24 | — | 1.49× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
