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美国国际集团（AII）与旅行者集团（TRV）财务数据对比。点击上方公司名可切换其他公司
旅行者集团的季度营收约是美国国际集团的182.6倍（$12.4B vs $68.1M）。美国国际集团净利率更高（30.7% vs 20.1%，领先10.6%）
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。
旅行者集团是美国跨国保险企业，为美国第二大商业财产及意外伤害保险承保商，同时是美国第六大通过独立代理人展业的个人保险提供商。公司注册地为明尼苏达州，总部设于纽约市，最大办事处在康涅狄格州哈特福德，2009年6月8日起成为道琼斯工业平均指数成分股。
AII vs TRV — 直观对比
营收规模更大
TRV
是对方的182.6倍
$68.1M
净利率更高
AII
高出10.6%
20.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $12.4B |
| 净利润 | $20.9M | $2.5B |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 25.0% |
| 净利率 | 30.7% | 20.1% |
| 营收同比 | — | 3.5% |
| 净利润同比 | — | 19.9% |
| 每股收益（稀释后） | $0.58 | $10.96 |
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AIITRV
| Q4 25 | $68.1M | $12.4B | ||
| Q3 25 | $62.0M | $12.5B | ||
| Q2 25 | $74.5M | $12.1B | ||
| Q1 25 | $71.9M | $11.8B | ||
| Q4 24 | — | $12.0B | ||
| Q3 24 | — | $11.9B | ||
| Q2 24 | — | $11.3B | ||
| Q1 24 | — | $11.2B |
净利润AIITRV
| Q4 25 | $20.9M | $2.5B | ||
| Q3 25 | $13.2M | $1.9B | ||
| Q2 25 | $27.5M | $1.5B | ||
| Q1 25 | $38.1M | $395.0M | ||
| Q4 24 | — | $2.1B | ||
| Q3 24 | — | $1.3B | ||
| Q2 24 | — | $534.0M | ||
| Q1 24 | — | $1.1B |
营业利润率AIITRV
| Q4 25 | 43.0% | 25.0% | ||
| Q3 25 | 30.3% | 18.8% | ||
| Q2 25 | 32.3% | 15.5% | ||
| Q1 25 | 59.7% | 4.0% | ||
| Q4 24 | — | 21.6% | ||
| Q3 24 | — | 13.1% | ||
| Q2 24 | — | 5.8% | ||
| Q1 24 | — | 12.2% |
净利率AIITRV
| Q4 25 | 30.7% | 20.1% | ||
| Q3 25 | 21.2% | 15.1% | ||
| Q2 25 | 36.9% | 12.5% | ||
| Q1 25 | 53.0% | 3.3% | ||
| Q4 24 | — | 17.3% | ||
| Q3 24 | — | 10.6% | ||
| Q2 24 | — | 4.7% | ||
| Q1 24 | — | 10.0% |
每股收益（稀释后）AIITRV
| Q4 25 | $0.58 | $10.96 | ||
| Q3 25 | $0.67 | $8.24 | ||
| Q2 25 | $1.62 | $6.53 | ||
| Q1 25 | $2.78 | $1.70 | ||
| Q4 24 | — | $8.96 | ||
| Q3 24 | — | $5.42 | ||
| Q2 24 | — | $2.29 | ||
| Q1 24 | — | $4.80 |
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 | $32.9B |
| 总资产 | $1.2B | $143.7B |
| 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AIITRV
| 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AIITRV
| 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AIITRV
| Q4 25 | $337.0M | $32.9B | ||
| Q3 25 | $315.9M | $31.6B | ||
| Q2 25 | $301.9M | $29.5B | ||
| Q1 25 | $186.1M | $28.2B | ||
| Q4 24 | — | $27.9B | ||
| Q3 24 | — | $27.7B | ||
| Q2 24 | — | $24.9B | ||
| Q1 24 | — | $25.0B |
总资产AIITRV
| Q4 25 | $1.2B | $143.7B | ||
| Q3 25 | $1.4B | $143.7B | ||
| Q2 25 | $1.6B | $138.9B | ||
| Q1 25 | $1.1B | $136.0B | ||
| Q4 24 | — | $133.2B | ||
| Q3 24 | — | $134.6B | ||
| Q2 24 | — | $129.3B | ||
| Q1 24 | — | $127.4B |
负债/权益比AIITRV
| 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 | $2.7B |
| 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× | 1.08× |
| 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AIITRV
| Q4 25 | $50.2M | $2.7B | ||
| Q3 25 | $-7.5M | $4.2B | ||
| Q2 25 | $27.4M | $2.3B | ||
| Q1 25 | $68.1M | $1.4B | ||
| Q4 24 | — | $2.1B | ||
| Q3 24 | — | $3.9B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.5B |
自由现金流AIITRV
| 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AIITRV
| 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AIITRV
| 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AIITRV
| Q4 25 | 2.41× | 1.08× | ||
| Q3 25 | -0.57× | 2.24× | ||
| Q2 25 | 1.00× | 1.55× | ||
| Q1 25 | 1.79× | 3.44× | ||
| Q4 24 | — | 0.99× | ||
| Q3 24 | — | 3.08× | ||
| Q2 24 | — | 3.14× | ||
| Q1 24 | — | 1.30× |
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
TRV
| Business And International Insurance | $6.6B | 53% |
| Personal Insurance | $4.6B | 37% |
| Bond And Specialty Insurance | $1.2B | 9% |
