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美国国际集团（AII）与Truist Financial（TFC）财务数据对比。点击上方公司名可切换其他公司
Truist Financial的季度营收约是美国国际集团的54.4倍（$3.7B vs $68.1M）。Truist Financial净利率更高（36.6% vs 30.7%，领先5.9%）
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。
Truist Financial是美国银行控股公司，总部位于北卡罗来纳州夏洛特，2019年12月由BB&T与SunTrust合并组建。旗下银行在15个州及华盛顿特区共运营1928家网点，提供零售、商业、投资银行、证券经纪、资产管理、抵押贷款、保险等多元金融产品服务，为美国第十大银行，总资产达5230亿美元。
AII vs TFC — 直观对比
营收规模更大
TFC
是对方的54.4倍
$68.1M
净利率更高
TFC
高出5.9%
30.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $3.7B |
| 净利润 | $20.9M | $1.4B |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 42.3% |
| 净利率 | 30.7% | 36.6% |
| 营收同比 | — | 3.1% |
| 净利润同比 | — | 6.1% |
| 每股收益（稀释后） | $0.58 | $1.01 |
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AIITFC
| Q4 25 | $68.1M | $3.7B | ||
| Q3 25 | $62.0M | $3.6B | ||
| Q2 25 | $74.5M | $3.6B | ||
| Q1 25 | $71.9M | $3.5B | ||
| Q4 24 | — | $3.6B | ||
| Q3 24 | — | $3.6B | ||
| Q2 24 | — | $3.5B | ||
| Q1 24 | — | $3.4B |
净利润AIITFC
| Q4 25 | $20.9M | $1.4B | ||
| Q3 25 | $13.2M | $1.5B | ||
| Q2 25 | $27.5M | $1.2B | ||
| Q1 25 | $38.1M | $1.3B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $922.0M | ||
| Q1 24 | — | $1.2B |
营业利润率AIITFC
| Q4 25 | 43.0% | 42.3% | ||
| Q3 25 | 30.3% | 47.9% | ||
| Q2 25 | 32.3% | 42.2% | ||
| Q1 25 | 59.7% | 43.8% | ||
| Q4 24 | — | 43.3% | ||
| Q3 24 | — | 47.5% | ||
| Q2 24 | — | -148.3% | ||
| Q1 24 | — | 40.5% |
净利率AIITFC
| Q4 25 | 30.7% | 36.6% | ||
| Q3 25 | 21.2% | 40.0% | ||
| Q2 25 | 36.9% | 34.6% | ||
| Q1 25 | 53.0% | 36.0% | ||
| Q4 24 | — | 35.5% | ||
| Q3 24 | — | 40.0% | ||
| Q2 24 | — | 26.1% | ||
| Q1 24 | — | 35.6% |
每股收益（稀释后）AIITFC
| Q4 25 | $0.58 | $1.01 | ||
| Q3 25 | $0.67 | $1.04 | ||
| Q2 25 | $1.62 | $0.90 | ||
| Q1 25 | $2.78 | $0.87 | ||
| Q4 24 | — | $0.94 | ||
| Q3 24 | — | $0.99 | ||
| Q2 24 | — | $0.62 | ||
| Q1 24 | — | $0.81 |
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 | $42.0B |
| 股东权益账面价值 | $337.0M | $65.2B |
| 总资产 | $1.2B | $547.5B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.64× |
8季度趋势，按日历期对齐
现金及短期投资AIITFC
| 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AIITFC
| Q4 25 | $618.0K | $42.0B | ||
| Q3 25 | $721.0K | $41.7B | ||
| Q2 25 | $824.0K | $44.4B | ||
| Q1 25 | $926.0K | $32.0B | ||
| Q4 24 | — | $35.0B | ||
| Q3 24 | — | $36.8B | ||
| Q2 24 | — | $34.6B | ||
| Q1 24 | — | $39.1B |
股东权益AIITFC
| Q4 25 | $337.0M | $65.2B | ||
| Q3 25 | $315.9M | $65.6B | ||
| Q2 25 | $301.9M | $64.8B | ||
| Q1 25 | $186.1M | $64.6B | ||
| Q4 24 | — | $63.7B | ||
| Q3 24 | — | $65.7B | ||
| Q2 24 | — | $63.8B | ||
| Q1 24 | — | $59.1B |
总资产AIITFC
| Q4 25 | $1.2B | $547.5B | ||
| Q3 25 | $1.4B | $543.9B | ||
| Q2 25 | $1.6B | $543.8B | ||
| Q1 25 | $1.1B | $535.9B | ||
| Q4 24 | — | $531.2B | ||
| Q3 24 | — | $523.4B | ||
| Q2 24 | — | $519.9B | ||
| Q1 24 | — | $535.0B |
负债/权益比AIITFC
| Q4 25 | 0.00× | 0.64× | ||
| Q3 25 | 0.00× | 0.64× | ||
| Q2 25 | 0.00× | 0.69× | ||
| Q1 25 | 0.00× | 0.50× | ||
| Q4 24 | — | 0.55× | ||
| Q3 24 | — | 0.56× | ||
| Q2 24 | — | 0.54× | ||
| Q1 24 | — | 0.66× |
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 | $2.6B |
| 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× | 1.91× |
| 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AIITFC
| Q4 25 | $50.2M | $2.6B | ||
| Q3 25 | $-7.5M | $1.5B | ||
| Q2 25 | $27.4M | $914.0M | ||
| Q1 25 | $68.1M | $746.0M | ||
| Q4 24 | — | $775.0M | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $845.0M | ||
| Q1 24 | — | $-990.0M |
自由现金流AIITFC
| 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AIITFC
| 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AIITFC
| 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AIITFC
| Q4 25 | 2.41× | 1.91× | ||
| Q3 25 | -0.57× | 1.03× | ||
| Q2 25 | 1.00× | 0.74× | ||
| Q1 25 | 1.79× | 0.59× | ||
| Q4 24 | — | 0.61× | ||
| Q3 24 | — | 1.06× | ||
| Q2 24 | — | 0.92× | ||
| Q1 24 | — | -0.82× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
