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美国国际集团（AII）与道富集团（STT）财务数据对比。点击上方公司名可切换其他公司
道富集团的季度营收约是美国国际集团的53.9倍（$3.7B vs $68.1M）。美国国际集团净利率更高（30.7% vs 20.4%，领先10.3%）。道富集团自由现金流更多（$9.8B 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。
道富集团是总部位于美国波士顿的跨国金融服务及银行控股公司，历史可追溯至1792年成立的联合银行，是美国运营历史第二悠久的存续银行。作为全球顶尖的资产管理与托管机构，截至2025年第三季度，其管理资产规模约5.4万亿美元，托管及管理资产总规模达51.7万亿美元。
AII vs STT — 直观对比
营收规模更大
STT
是对方的53.9倍
$68.1M
净利率更高
AII
高出10.3%
20.4%
自由现金流更多
STT
多$9.7B
$50.2M
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $3.7B |
| 净利润 | $20.9M | $747.0M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 25.0% |
| 净利率 | 30.7% | 20.4% |
| 营收同比 | — | 7.5% |
| 净利润同比 | — | -4.6% |
| 每股收益（稀释后） | $0.58 | $2.41 |
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AIISTT
| Q4 25 | $68.1M | $3.7B | ||
| Q3 25 | $62.0M | $3.5B | ||
| Q2 25 | $74.5M | $3.4B | ||
| Q1 25 | $71.9M | $3.3B | ||
| Q4 24 | — | $3.4B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $3.2B | ||
| Q1 24 | — | $3.1B |
净利润AIISTT
| Q4 25 | $20.9M | $747.0M | ||
| Q3 25 | $13.2M | $861.0M | ||
| Q2 25 | $27.5M | $693.0M | ||
| Q1 25 | $38.1M | $644.0M | ||
| Q4 24 | — | $783.0M | ||
| Q3 24 | — | $730.0M | ||
| Q2 24 | — | $711.0M | ||
| Q1 24 | — | $463.0M |
营业利润率AIISTT
| Q4 25 | 43.0% | 25.0% | ||
| Q3 25 | 30.3% | 31.1% | ||
| Q2 25 | 32.3% | 25.8% | ||
| Q1 25 | 59.7% | 25.0% | ||
| Q4 24 | — | 28.1% | ||
| Q3 24 | — | 28.4% | ||
| Q2 24 | — | 28.6% | ||
| Q1 24 | — | 19.1% |
净利率AIISTT
| Q4 25 | 30.7% | 20.4% | ||
| Q3 25 | 21.2% | 24.3% | ||
| Q2 25 | 36.9% | 20.1% | ||
| Q1 25 | 53.0% | 19.6% | ||
| Q4 24 | — | 22.9% | ||
| Q3 24 | — | 22.4% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 14.8% |
每股收益（稀释后）AIISTT
| Q4 25 | $0.58 | $2.41 | ||
| Q3 25 | $0.67 | $2.78 | ||
| Q2 25 | $1.62 | $2.17 | ||
| Q1 25 | $2.78 | $2.04 | ||
| Q4 24 | — | $2.43 | ||
| Q3 24 | — | $2.26 | ||
| Q2 24 | — | $2.15 | ||
| Q1 24 | — | $1.37 |
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 | — |
| 股东权益账面价值 | $337.0M | $27.8B |
| 总资产 | $1.2B | $366.0B |
| 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AIISTT
| 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AIISTT
| 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AIISTT
| Q4 25 | $337.0M | $27.8B | ||
| Q3 25 | $315.9M | $27.6B | ||
| Q2 25 | $301.9M | $27.3B | ||
| Q1 25 | $186.1M | $26.7B | ||
| Q4 24 | — | $25.3B | ||
| Q3 24 | — | $25.8B | ||
| Q2 24 | — | $24.8B | ||
| Q1 24 | — | $24.4B |
总资产AIISTT
| Q4 25 | $1.2B | $366.0B | ||
| Q3 25 | $1.4B | $371.1B | ||
| Q2 25 | $1.6B | $376.7B | ||
| Q1 25 | $1.1B | $372.7B | ||
| Q4 24 | — | $353.2B | ||
| Q3 24 | — | $338.5B | ||
| Q2 24 | — | $325.6B | ||
| Q1 24 | — | $338.0B |
负债/权益比AIISTT
| 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 | $10.0B |
| 自由现金流经营现金流 - 资本支出 | $50.2M | $9.8B |
| 自由现金流率自由现金流/营收 | 73.7% | 266.6% |
| 资本支出强度资本支出/营收 | 0.0% | 7.3% |
| 现金转化率经营现金流/净利润 | 2.41× | 13.44× |
| 过去12个月自由现金流最近4个季度 | $133.1M | $10.8B |
8季度趋势，按日历期对齐
经营现金流AIISTT
| Q4 25 | $50.2M | $10.0B | ||
| Q3 25 | $-7.5M | $7.9B | ||
| Q2 25 | $27.4M | $-8.4B | ||
| Q1 25 | $68.1M | $2.4B | ||
| Q4 24 | — | $-7.4B | ||
| Q3 24 | — | $2.7B | ||
| Q2 24 | — | $-7.6B | ||
| Q1 24 | — | $-844.0M |
自由现金流AIISTT
| Q4 25 | $50.2M | $9.8B | ||
| Q3 25 | $-11.9M | $7.7B | ||
| Q2 25 | $26.9M | $-8.8B | ||
| Q1 25 | $68.0M | $2.2B | ||
| Q4 24 | — | $-7.7B | ||
| Q3 24 | — | $2.5B | ||
| Q2 24 | — | $-7.9B | ||
| Q1 24 | — | $-1.1B |
自由现金流率AIISTT
| Q4 25 | 73.7% | 266.6% | ||
| Q3 25 | -19.2% | 216.0% | ||
| Q2 25 | 36.1% | -254.1% | ||
| Q1 25 | 94.6% | 66.1% | ||
| Q4 24 | — | -225.1% | ||
| Q3 24 | — | 75.9% | ||
| Q2 24 | — | -246.2% | ||
| Q1 24 | — | -34.2% |
资本支出强度AIISTT
| Q4 25 | 0.0% | 7.3% | ||
| Q3 25 | 7.2% | 6.9% | ||
| Q2 25 | 0.6% | 9.3% | ||
| Q1 25 | 0.2% | 6.9% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | 7.2% | ||
| Q2 24 | — | 6.7% | ||
| Q1 24 | — | 7.3% |
现金转化率AIISTT
| Q4 25 | 2.41× | 13.44× | ||
| Q3 25 | -0.57× | 9.18× | ||
| Q2 25 | 1.00× | -12.18× | ||
| Q1 25 | 1.79× | 3.72× | ||
| Q4 24 | — | -9.49× | ||
| Q3 24 | — | 3.71× | ||
| Q2 24 | — | -10.75× | ||
| 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
STT
| Other | $2.1B | 56% |
| Investment Management | $729.0M | 20% |
| Management Services | $662.0M | 18% |
| Foreign Exchange Trading Services | $102.0M | 3% |
| Other Fee Revenue | $56.0M | 2% |
| Securities Financing Services | $54.0M | 1% |
