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美国国际集团（AII）与Progressive Corporation（PGR）财务数据对比。点击上方公司名可切换其他公司
Progressive Corporation的季度营收约是美国国际集团的334.1倍（$22.7B vs $68.1M）。美国国际集团净利率更高（30.7% vs 13.0%，领先17.7%）。Progressive Corporation自由现金流更多（$3.0B 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。
美国Progressive Corporation是1937年由杰克·格林与约瑟夫·M·刘易斯联合创立的保险公司，总部位于俄亥俄州梅菲尔德，是美国第二大汽车保险服务商，仅次于州立农业保险。其业务覆盖乘用车、摩托车、房车、船只、商用车等险种，同时通过合作机构提供家财险、寿险、宠物险等多元保险产品。
AII vs PGR — 直观对比
营收规模更大
PGR
是对方的334.1倍
$68.1M
净利率更高
AII
高出17.7%
13.0%
自由现金流更多
PGR
多$3.0B
$50.2M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $22.7B |
| 净利润 | $20.9M | $3.0B |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 16.2% |
| 净利率 | 30.7% | 13.0% |
| 营收同比 | — | 12.2% |
| 净利润同比 | — | 25.3% |
| 每股收益（稀释后） | $0.58 | $5.01 |
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AIIPGR
| Q4 25 | $68.1M | $22.7B | ||
| Q3 25 | $62.0M | $22.5B | ||
| Q2 25 | $74.5M | $22.0B | ||
| Q1 25 | $71.9M | $20.4B | ||
| Q4 24 | — | $20.3B | ||
| Q3 24 | — | $19.7B | ||
| Q2 24 | — | $18.1B | ||
| Q1 24 | — | $17.2B |
净利润AIIPGR
| Q4 25 | $20.9M | $3.0B | ||
| Q3 25 | $13.2M | $2.6B | ||
| Q2 25 | $27.5M | $3.2B | ||
| Q1 25 | $38.1M | $2.6B | ||
| Q4 24 | — | $2.4B | ||
| Q3 24 | — | $2.3B | ||
| Q2 24 | — | $1.5B | ||
| Q1 24 | — | $2.3B |
营业利润率AIIPGR
| Q4 25 | 43.0% | 16.2% | ||
| Q3 25 | 30.3% | 14.8% | ||
| Q2 25 | 32.3% | 18.1% | ||
| Q1 25 | 59.7% | 15.9% | ||
| Q4 24 | — | 14.6% | ||
| Q3 24 | — | 14.9% | ||
| Q2 24 | — | 10.3% | ||
| Q1 24 | — | 17.1% |
净利率AIIPGR
| Q4 25 | 30.7% | 13.0% | ||
| Q3 25 | 21.2% | 11.6% | ||
| Q2 25 | 36.9% | 14.4% | ||
| Q1 25 | 53.0% | 12.6% | ||
| Q4 24 | — | 11.6% | ||
| Q3 24 | — | 11.8% | ||
| Q2 24 | — | 8.0% | ||
| Q1 24 | — | 13.5% |
每股收益（稀释后）AIIPGR
| Q4 25 | $0.58 | $5.01 | ||
| Q3 25 | $0.67 | $4.45 | ||
| Q2 25 | $1.62 | $5.40 | ||
| Q1 25 | $2.78 | $4.37 | ||
| Q4 24 | — | $4.01 | ||
| Q3 24 | — | $3.97 | ||
| Q2 24 | — | $2.48 | ||
| Q1 24 | — | $3.94 |
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 | $10.0B |
| 总债务越低越好 | $618.0K | — |
| 股东权益账面价值 | $337.0M | $30.3B |
| 总资产 | $1.2B | $123.0B |
| 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AIIPGR
| Q4 25 | $222.0M | $10.0B | ||
| Q3 25 | $171.9M | $1.5B | ||
| Q2 25 | $259.6M | $2.1B | ||
| Q1 25 | $236.4M | $2.6B | ||
| Q4 24 | — | $615.0M | ||
| Q3 24 | — | $757.0M | ||
| Q2 24 | — | $733.0M | ||
| Q1 24 | — | $1.3B |
总债务AIIPGR
| 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AIIPGR
| Q4 25 | $337.0M | $30.3B | ||
| Q3 25 | $315.9M | $35.4B | ||
| Q2 25 | $301.9M | $32.6B | ||
| Q1 25 | $186.1M | $29.0B | ||
| Q4 24 | — | $25.6B | ||
| Q3 24 | — | $27.2B | ||
| Q2 24 | — | $23.3B | ||
| Q1 24 | — | $21.8B |
总资产AIIPGR
| Q4 25 | $1.2B | $123.0B | ||
| Q3 25 | $1.4B | $121.5B | ||
| Q2 25 | $1.6B | $115.5B | ||
| Q1 25 | $1.1B | $111.4B | ||
| Q4 24 | — | $105.7B | ||
| Q3 24 | — | $105.2B | ||
| Q2 24 | — | $97.9B | ||
| Q1 24 | — | $94.1B |
负债/权益比AIIPGR
| 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 | $3.2B |
| 自由现金流经营现金流 - 资本支出 | $50.2M | $3.0B |
| 自由现金流率自由现金流/营收 | 73.7% | 13.4% |
| 资本支出强度资本支出/营收 | 0.0% | 0.5% |
| 现金转化率经营现金流/净利润 | 2.41× | 1.07× |
| 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AIIPGR
| Q4 25 | $50.2M | $3.2B | ||
| Q3 25 | $-7.5M | $5.2B | ||
| Q2 25 | $27.4M | $4.0B | ||
| Q1 25 | $68.1M | $5.1B | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | — | $4.6B | ||
| Q2 24 | — | $3.3B | ||
| Q1 24 | — | $4.2B |
自由现金流AIIPGR
| Q4 25 | $50.2M | $3.0B | ||
| Q3 25 | $-11.9M | $5.1B | ||
| Q2 25 | $26.9M | $3.9B | ||
| Q1 25 | $68.0M | $5.1B | ||
| Q4 24 | — | $2.9B | ||
| Q3 24 | — | $4.6B | ||
| Q2 24 | — | $3.2B | ||
| Q1 24 | — | $4.2B |
自由现金流率AIIPGR
| Q4 25 | 73.7% | 13.4% | ||
| Q3 25 | -19.2% | 22.8% | ||
| Q2 25 | 36.1% | 17.9% | ||
| Q1 25 | 94.6% | 24.9% | ||
| Q4 24 | — | 14.3% | ||
| Q3 24 | — | 23.1% | ||
| Q2 24 | — | 17.6% | ||
| Q1 24 | — | 24.3% |
资本支出强度AIIPGR
| Q4 25 | 0.0% | 0.5% | ||
| Q3 25 | 7.2% | 0.3% | ||
| Q2 25 | 0.6% | 0.5% | ||
| Q1 25 | 0.2% | 0.3% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.3% |
现金转化率AIIPGR
| Q4 25 | 2.41× | 1.07× | ||
| Q3 25 | -0.57× | 1.99× | ||
| Q2 25 | 1.00× | 1.27× | ||
| Q1 25 | 1.79× | 2.00× | ||
| Q4 24 | — | 1.28× | ||
| Q3 24 | — | 1.97× | ||
| Q2 24 | — | 2.24× | ||
| Q1 24 | — | 1.82× |
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
PGR
| Other | $11.9B | 52% |
| Commercial Lines Segment | $10.9B | 48% |
| Other Indemnity | $2.0M | 0% |
