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美国国际集团（AII）与万事达卡（MA）财务数据对比。点击上方公司名可切换其他公司
万事达卡的季度营收约是美国国际集团的129.4倍（$8.8B vs $68.1M）。万事达卡净利率更高（46.1% vs 30.7%，领先15.5%）。万事达卡自由现金流更多（$4.9B 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。
万事达卡是总部位于美国纽约帕切斯的跨国支付卡服务企业，核心业务为处理商户收单银行与持卡人发卡机构之间的支付交易，同时提供旗下品牌借记卡、信用卡、预付卡及相关配套支付服务，服务网络覆盖全球，于2006年公开上市。
AII vs MA — 直观对比
营收规模更大
MA
是对方的129.4倍
$68.1M
净利率更高
MA
高出15.5%
30.7%
自由现金流更多
MA
多$4.8B
$50.2M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $8.8B |
| 净利润 | $20.9M | $4.1B |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 55.8% |
| 净利率 | 30.7% | 46.1% |
| 营收同比 | — | 17.6% |
| 净利润同比 | — | 21.5% |
| 每股收益（稀释后） | $0.58 | $4.52 |
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AIIMA
| Q4 25 | $68.1M | $8.8B | ||
| Q3 25 | $62.0M | $8.6B | ||
| Q2 25 | $74.5M | $8.1B | ||
| Q1 25 | $71.9M | $7.3B | ||
| Q4 24 | — | $7.5B | ||
| Q3 24 | — | $7.4B | ||
| Q2 24 | — | $7.0B | ||
| Q1 24 | — | $6.3B |
净利润AIIMA
| Q4 25 | $20.9M | $4.1B | ||
| Q3 25 | $13.2M | $3.9B | ||
| Q2 25 | $27.5M | $3.7B | ||
| Q1 25 | $38.1M | $3.3B | ||
| Q4 24 | — | $3.3B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $3.3B | ||
| Q1 24 | — | $3.0B |
营业利润率AIIMA
| Q4 25 | 43.0% | 55.8% | ||
| Q3 25 | 30.3% | 58.8% | ||
| Q2 25 | 32.3% | 58.7% | ||
| Q1 25 | 59.7% | 57.2% | ||
| Q4 24 | — | 52.6% | ||
| Q3 24 | — | 54.3% | ||
| Q2 24 | — | 58.0% | ||
| Q1 24 | — | 56.8% |
净利率AIIMA
| Q4 25 | 30.7% | 46.1% | ||
| Q3 25 | 21.2% | 45.7% | ||
| Q2 25 | 36.9% | 45.5% | ||
| Q1 25 | 53.0% | 45.2% | ||
| Q4 24 | — | 44.6% | ||
| Q3 24 | — | 44.3% | ||
| Q2 24 | — | 46.8% | ||
| Q1 24 | — | 47.4% |
每股收益（稀释后）AIIMA
| Q4 25 | $0.58 | $4.52 | ||
| Q3 25 | $0.67 | $4.34 | ||
| Q2 25 | $1.62 | $4.07 | ||
| Q1 25 | $2.78 | $3.59 | ||
| Q4 24 | — | $3.64 | ||
| Q3 24 | — | $3.53 | ||
| Q2 24 | — | $3.50 | ||
| Q1 24 | — | $3.22 |
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 | $10.6B |
| 总债务越低越好 | $618.0K | — |
| 股东权益账面价值 | $337.0M | $7.7B |
| 总资产 | $1.2B | $54.2B |
| 负债/权益比越低杠杆越低 | 0.00× | — |
8季度趋势，按日历期对齐
现金及短期投资AIIMA
| Q4 25 | $222.0M | $10.6B | ||
| Q3 25 | $171.9M | $10.3B | ||
| Q2 25 | $259.6M | $9.0B | ||
| Q1 25 | $236.4M | $7.6B | ||
| Q4 24 | — | $8.4B | ||
| Q3 24 | — | $11.1B | ||
| Q2 24 | — | $7.0B | ||
| Q1 24 | — | $7.3B |
总债务AIIMA
| Q4 25 | $618.0K | — | ||
| Q3 25 | $721.0K | — | ||
| Q2 25 | $824.0K | — | ||
| Q1 25 | $926.0K | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIIMA
| Q4 25 | $337.0M | $7.7B | ||
| Q3 25 | $315.9M | $7.9B | ||
| Q2 25 | $301.9M | $7.9B | ||
| Q1 25 | $186.1M | $6.7B | ||
| Q4 24 | — | $6.5B | ||
| Q3 24 | — | $7.4B | ||
| Q2 24 | — | $7.4B | ||
| Q1 24 | — | $7.2B |
总资产AIIMA
| Q4 25 | $1.2B | $54.2B | ||
| Q3 25 | $1.4B | $53.3B | ||
| Q2 25 | $1.6B | $51.4B | ||
| Q1 25 | $1.1B | $48.5B | ||
| Q4 24 | — | $48.1B | ||
| Q3 24 | — | $47.2B | ||
| Q2 24 | — | $42.3B | ||
| Q1 24 | — | $42.6B |
负债/权益比AIIMA
| Q4 25 | 0.00× | — | ||
| Q3 25 | 0.00× | — | ||
| Q2 25 | 0.00× | — | ||
| Q1 25 | 0.00× | — | ||
| Q4 24 | — | — | ||
| 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 | $5.0B |
| 自由现金流经营现金流 - 资本支出 | $50.2M | $4.9B |
| 自由现金流率自由现金流/营收 | 73.7% | 55.5% |
| 资本支出强度资本支出/营收 | 0.0% | 1.3% |
| 现金转化率经营现金流/净利润 | 2.41× | 1.23× |
| 过去12个月自由现金流最近4个季度 | $133.1M | $17.2B |
8季度趋势，按日历期对齐
经营现金流AIIMA
| Q4 25 | $50.2M | $5.0B | ||
| Q3 25 | $-7.5M | $5.7B | ||
| Q2 25 | $27.4M | $4.6B | ||
| Q1 25 | $68.1M | $2.4B | ||
| Q4 24 | — | $4.8B | ||
| Q3 24 | — | $5.1B | ||
| Q2 24 | — | $3.1B | ||
| Q1 24 | — | $1.7B |
自由现金流AIIMA
| Q4 25 | $50.2M | $4.9B | ||
| Q3 25 | $-11.9M | $5.5B | ||
| Q2 25 | $26.9M | $4.6B | ||
| Q1 25 | $68.0M | $2.2B | ||
| Q4 24 | — | $4.7B | ||
| Q3 24 | — | $5.0B | ||
| Q2 24 | — | $3.0B | ||
| Q1 24 | — | $1.5B |
自由现金流率AIIMA
| Q4 25 | 73.7% | 55.5% | ||
| Q3 25 | -19.2% | 63.8% | ||
| Q2 25 | 36.1% | 56.1% | ||
| Q1 25 | 94.6% | 30.6% | ||
| Q4 24 | — | 63.3% | ||
| Q3 24 | — | 68.2% | ||
| Q2 24 | — | 43.4% | ||
| Q1 24 | — | 23.9% |
资本支出强度AIIMA
| Q4 25 | 0.0% | 1.3% | ||
| Q3 25 | 7.2% | 2.1% | ||
| Q2 25 | 0.6% | 0.5% | ||
| Q1 25 | 0.2% | 2.2% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.7% | ||
| Q1 24 | — | 2.5% |
现金转化率AIIMA
| Q4 25 | 2.41× | 1.23× | ||
| Q3 25 | -0.57× | 1.44× | ||
| Q2 25 | 1.00× | 1.24× | ||
| Q1 25 | 1.79× | 0.73× | ||
| Q4 24 | — | 1.45× | ||
| Q3 24 | — | 1.57× | ||
| Q2 24 | — | 0.96× | ||
| Q1 24 | — | 0.56× |
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
MA
| Payment Network | $4.9B | 56% |
| Value Added Services And Solutions | $3.9B | 44% |
