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美国国际集团（AII）与RENAISSANCERE HOLDINGS LTD（RNR）财务数据对比。点击上方公司名可切换其他公司
RENAISSANCERE HOLDINGS LTD的季度营收约是美国国际集团的43.7倍（$3.0B vs $68.1M）。美国国际集团净利率更高（30.7% vs 25.6%，领先5.1%）
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。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
AII vs RNR — 直观对比
营收规模更大
RNR
是对方的43.7倍
$68.1M
净利率更高
AII
高出5.1%
25.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $3.0B |
| 净利润 | $20.9M | $760.5M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 42.5% |
| 净利率 | 30.7% | 25.6% |
| 营收同比 | — | 29.6% |
| 净利润同比 | — | 501.0% |
| 每股收益（稀释后） | $0.58 | $16.16 |
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AIIRNR
| Q4 25 | $68.1M | $3.0B | ||
| Q3 25 | $62.0M | $3.2B | ||
| Q2 25 | $74.5M | $3.2B | ||
| Q1 25 | $71.9M | $3.5B | ||
| Q4 24 | — | $2.3B | ||
| Q3 24 | — | $4.0B | ||
| Q2 24 | — | $2.8B | ||
| Q1 24 | — | $2.6B |
净利润AIIRNR
| Q4 25 | $20.9M | $760.5M | ||
| Q3 25 | $13.2M | $916.5M | ||
| Q2 25 | $27.5M | $835.4M | ||
| Q1 25 | $38.1M | $170.0M | ||
| Q4 24 | — | $-189.7M | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $503.9M | ||
| Q1 24 | — | $373.6M |
营业利润率AIIRNR
| Q4 25 | 43.0% | 42.5% | ||
| Q3 25 | 30.3% | 46.3% | ||
| Q2 25 | 32.3% | 41.8% | ||
| Q1 25 | 59.7% | -2.0% | ||
| Q4 24 | — | -3.6% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 25.0% | ||
| Q1 24 | — | 24.4% |
净利率AIIRNR
| Q4 25 | 30.7% | 25.6% | ||
| Q3 25 | 21.2% | 28.7% | ||
| Q2 25 | 36.9% | 26.1% | ||
| Q1 25 | 53.0% | 4.9% | ||
| Q4 24 | — | -8.3% | ||
| Q3 24 | — | 29.8% | ||
| Q2 24 | — | 17.8% | ||
| Q1 24 | — | 14.4% |
每股收益（稀释后）AIIRNR
| Q4 25 | $0.58 | $16.16 | ||
| Q3 25 | $0.67 | $19.40 | ||
| Q2 25 | $1.62 | $17.20 | ||
| Q1 25 | $2.78 | $3.27 | ||
| Q4 24 | — | $-3.76 | ||
| Q3 24 | — | $22.62 | ||
| Q2 24 | — | $9.41 | ||
| Q1 24 | — | $6.94 |
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 | $1.7B |
| 总债务越低越好 | $618.0K | $2.3B |
| 股东权益账面价值 | $337.0M | $11.6B |
| 总资产 | $1.2B | $53.8B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资AIIRNR
| Q4 25 | $222.0M | $1.7B | ||
| Q3 25 | $171.9M | $1.7B | ||
| Q2 25 | $259.6M | $1.4B | ||
| Q1 25 | $236.4M | $1.6B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | — | $1.6B | ||
| Q1 24 | — | $1.6B |
总债务AIIRNR
| Q4 25 | $618.0K | $2.3B | ||
| Q3 25 | $721.0K | $2.2B | ||
| Q2 25 | $824.0K | $2.3B | ||
| Q1 25 | $926.0K | $2.8B | ||
| Q4 24 | — | $1.9B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $1.9B |
股东权益AIIRNR
| Q4 25 | $337.0M | $11.6B | ||
| Q3 25 | $315.9M | $11.5B | ||
| Q2 25 | $301.9M | $10.8B | ||
| Q1 25 | $186.1M | $10.3B | ||
| Q4 24 | — | $10.6B | ||
| Q3 24 | — | $11.2B | ||
| Q2 24 | — | $10.2B | ||
| Q1 24 | — | $9.8B |
总资产AIIRNR
| Q4 25 | $1.2B | $53.8B | ||
| Q3 25 | $1.4B | $54.5B | ||
| Q2 25 | $1.6B | $54.7B | ||
| Q1 25 | $1.1B | $53.6B | ||
| Q4 24 | — | $50.7B | ||
| Q3 24 | — | $52.8B | ||
| Q2 24 | — | $51.6B | ||
| Q1 24 | — | $50.9B |
负债/权益比AIIRNR
| Q4 25 | 0.00× | 0.20× | ||
| Q3 25 | 0.00× | 0.19× | ||
| Q2 25 | 0.00× | 0.21× | ||
| Q1 25 | 0.00× | 0.27× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.17× | ||
| Q2 24 | — | 0.19× | ||
| Q1 24 | — | 0.19× |
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 | $483.0M |
| 自由现金流经营现金流 - 资本支出 | $50.2M | — |
| 自由现金流率自由现金流/营收 | 73.7% | — |
| 资本支出强度资本支出/营收 | 0.0% | — |
| 现金转化率经营现金流/净利润 | 2.41× | 0.64× |
| 过去12个月自由现金流最近4个季度 | $133.1M | — |
8季度趋势，按日历期对齐
经营现金流AIIRNR
| Q4 25 | $50.2M | $483.0M | ||
| Q3 25 | $-7.5M | $1.6B | ||
| Q2 25 | $27.4M | $1.5B | ||
| Q1 25 | $68.1M | $157.8M | ||
| Q4 24 | — | $778.9M | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $1.2B | ||
| Q1 24 | — | $683.5M |
自由现金流AIIRNR
| Q4 25 | $50.2M | — | ||
| Q3 25 | $-11.9M | — | ||
| Q2 25 | $26.9M | — | ||
| Q1 25 | $68.0M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率AIIRNR
| Q4 25 | 73.7% | — | ||
| Q3 25 | -19.2% | — | ||
| Q2 25 | 36.1% | — | ||
| Q1 25 | 94.6% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度AIIRNR
| Q4 25 | 0.0% | — | ||
| Q3 25 | 7.2% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率AIIRNR
| Q4 25 | 2.41× | 0.64× | ||
| Q3 25 | -0.57× | 1.73× | ||
| Q2 25 | 1.00× | 1.76× | ||
| Q1 25 | 1.79× | 0.93× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.26× | ||
| Q2 24 | — | 2.41× | ||
| Q1 24 | — | 1.83× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
