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美国国际集团（AII）与KINGSWAY FINANCIAL SERVICES INC（KFS）财务数据对比。点击上方公司名可切换其他公司
美国国际集团的季度营收约是KINGSWAY FINANCIAL SERVICES INC的1.8倍（$68.1M vs $38.6M），美国国际集团净利率更高（30.7% vs -4.1%，领先34.8%）
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。
金斯威金融服务公司是一家专业金融控股企业，主要提供财产和意外伤害保险产品，包括个人车险、商业责任险、财产险等，核心市场覆盖北美地区，服务个人消费者、小微企业主及特定商业客户群体。
AII vs KFS — 直观对比
营收规模更大
AII
是对方的1.8倍
$38.6M
净利率更高
AII
高出34.8%
-4.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $38.6M |
| 净利润 | $20.9M | $-1.6M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 0.8% |
| 净利率 | 30.7% | -4.1% |
| 营收同比 | — | 30.1% |
| 净利润同比 | — | -7.8% |
| 每股收益（稀释后） | $0.58 | $-0.07 |
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AIIKFS
| Q4 25 | $68.1M | $38.6M | ||
| Q3 25 | $62.0M | $37.2M | ||
| Q2 25 | $74.5M | $30.9M | ||
| Q1 25 | $71.9M | $28.3M | ||
| Q4 24 | — | $29.6M | ||
| Q3 24 | — | $27.1M | ||
| Q2 24 | — | $26.4M | ||
| Q1 24 | — | $26.2M |
净利润AIIKFS
| Q4 25 | $20.9M | $-1.6M | ||
| Q3 25 | $13.2M | $-2.4M | ||
| Q2 25 | $27.5M | $-3.2M | ||
| Q1 25 | $38.1M | $-3.1M | ||
| Q4 24 | — | $-1.5M | ||
| Q3 24 | — | $-2.3M | ||
| Q2 24 | — | $-2.2M | ||
| Q1 24 | — | $-2.3M |
营业利润率AIIKFS
| Q4 25 | 43.0% | 0.8% | ||
| Q3 25 | 30.3% | -2.3% | ||
| Q2 25 | 32.3% | -3.6% | ||
| Q1 25 | 59.7% | -2.5% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | — | -2.5% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 2.9% |
净利率AIIKFS
| Q4 25 | 30.7% | -4.1% | ||
| Q3 25 | 21.2% | -6.5% | ||
| Q2 25 | 36.9% | -10.2% | ||
| Q1 25 | 53.0% | -10.9% | ||
| Q4 24 | — | -5.0% | ||
| Q3 24 | — | -8.5% | ||
| Q2 24 | — | -8.3% | ||
| Q1 24 | — | -8.9% |
每股收益（稀释后）AIIKFS
| Q4 25 | $0.58 | $-0.07 | ||
| Q3 25 | $0.67 | $-0.10 | ||
| Q2 25 | $1.62 | $-0.13 | ||
| Q1 25 | $2.78 | $-0.13 | ||
| Q4 24 | — | $-0.08 | ||
| Q3 24 | — | $-0.10 | ||
| Q2 24 | — | $-0.08 | ||
| Q1 24 | — | $-0.09 |
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 | $8.5M |
| 总债务越低越好 | $618.0K | $70.7M |
| 股东权益账面价值 | $337.0M | $15.2M |
| 总资产 | $1.2B | $231.5M |
| 负债/权益比越低杠杆越低 | 0.00× | 4.66× |
8季度趋势，按日历期对齐
现金及短期投资AIIKFS
| Q4 25 | $222.0M | $8.5M | ||
| Q3 25 | $171.9M | $9.5M | ||
| Q2 25 | $259.6M | $12.3M | ||
| Q1 25 | $236.4M | $6.5M | ||
| Q4 24 | — | $5.7M | ||
| Q3 24 | — | $6.7M | ||
| Q2 24 | — | $9.8M | ||
| Q1 24 | — | $12.3M |
总债务AIIKFS
| Q4 25 | $618.0K | $70.7M | ||
| Q3 25 | $721.0K | $70.7M | ||
| Q2 25 | $824.0K | $58.3M | ||
| Q1 25 | $926.0K | $59.5M | ||
| Q4 24 | — | $57.5M | ||
| Q3 24 | — | $58.5M | ||
| Q2 24 | — | $47.3M | ||
| Q1 24 | — | $47.1M |
股东权益AIIKFS
| Q4 25 | $337.0M | $15.2M | ||
| Q3 25 | $315.9M | $16.6M | ||
| Q2 25 | $301.9M | $17.4M | ||
| Q1 25 | $186.1M | $5.5M | ||
| Q4 24 | — | $8.4M | ||
| Q3 24 | — | $9.9M | ||
| Q2 24 | — | $20.7M | ||
| Q1 24 | — | $23.6M |
总资产AIIKFS
| Q4 25 | $1.2B | $231.5M | ||
| Q3 25 | $1.4B | $235.1M | ||
| Q2 25 | $1.6B | $207.7M | ||
| Q1 25 | $1.1B | $192.1M | ||
| Q4 24 | — | $186.6M | ||
| Q3 24 | — | $191.1M | ||
| Q2 24 | — | $192.3M | ||
| Q1 24 | — | $198.0M |
负债/权益比AIIKFS
| Q4 25 | 0.00× | 4.66× | ||
| Q3 25 | 0.00× | 4.25× | ||
| Q2 25 | 0.00× | 3.34× | ||
| Q1 25 | 0.00× | 10.91× | ||
| Q4 24 | — | 6.84× | ||
| Q3 24 | — | 5.88× | ||
| Q2 24 | — | 2.29× | ||
| Q1 24 | — | 2.00× |
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 | $-3.0K |
| 自由现金流经营现金流 - 资本支出 | $133.2M | — |
| 自由现金流率自由现金流/营收 | 195.6% | — |
| 资本支出强度资本支出/营收 | 7.4% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流AIIKFS
| Q4 25 | $138.2M | $-3.0K | ||
| Q3 25 | $-7.5M | $1.5M | ||
| Q2 25 | $27.4M | $337.0K | ||
| Q1 25 | $68.1M | $-1.8M | ||
| Q4 24 | — | $1.1M | ||
| Q3 24 | — | $368.0K | ||
| Q2 24 | — | $557.0K | ||
| Q1 24 | — | $249.0K |
自由现金流AIIKFS
| Q4 25 | $133.2M | — | ||
| Q3 25 | $-11.9M | $1.3M | ||
| Q2 25 | $26.9M | — | ||
| Q1 25 | $68.0M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率AIIKFS
| Q4 25 | 195.6% | — | ||
| Q3 25 | -19.2% | 3.4% | ||
| Q2 25 | 36.1% | — | ||
| Q1 25 | 94.6% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度AIIKFS
| Q4 25 | 7.4% | — | ||
| Q3 25 | 7.2% | 0.5% | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率AIIKFS
| Q4 25 | 6.62× | — | ||
| Q3 25 | -0.57× | — | ||
| Q2 25 | 1.00× | — | ||
| Q1 25 | 1.79× | — | ||
| Q4 24 | — | — | ||
| 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
业务分部营收拆解
AII
暂无分部数据
KFS
| Other | $14.8M | 38% |
| Roundhouse Electric Equipment Co Inc | $9.7M | 25% |
| MLC Plumbing LLC | $5.7M | 15% |
| Systems Products International Incspi | $3.8M | 10% |
| Advanced Plumbing And Drain | $2.9M | 8% |
| Southside Plumbing | $1.7M | 4% |
