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美国国际集团（AII）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是美国国际集团的108.2倍（$7.4B vs $68.1M）。美国国际集团净利率更高（30.7% vs 27.8%，领先2.9%）
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。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
AII vs USB — 直观对比
营收规模更大
USB
是对方的108.2倍
$68.1M
净利率更高
AII
高出2.9%
27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $68.1M | $7.4B |
| 净利润 | $20.9M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 34.4% |
| 净利率 | 30.7% | 27.8% |
| 营收同比 | — | 5.1% |
| 净利润同比 | — | 23.0% |
| 每股收益（稀释后） | $0.58 | $1.26 |
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AIIUSB
| Q4 25 | $68.1M | $7.4B | ||
| Q3 25 | $62.0M | $7.3B | ||
| Q2 25 | $74.5M | $7.0B | ||
| Q1 25 | $71.9M | $7.0B | ||
| Q4 24 | — | $7.0B | ||
| Q3 24 | — | $6.9B | ||
| Q2 24 | — | $6.9B | ||
| Q1 24 | — | $6.7B |
净利润AIIUSB
| Q4 25 | $20.9M | $2.0B | ||
| Q3 25 | $13.2M | $2.0B | ||
| Q2 25 | $27.5M | $1.8B | ||
| Q1 25 | $38.1M | $1.7B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.6B | ||
| Q1 24 | — | $1.3B |
营业利润率AIIUSB
| Q4 25 | 43.0% | 34.4% | ||
| Q3 25 | 30.3% | 34.5% | ||
| Q2 25 | 32.3% | 32.7% | ||
| Q1 25 | 59.7% | 31.0% | ||
| Q4 24 | — | 30.1% | ||
| Q3 24 | — | 30.2% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.9% |
净利率AIIUSB
| Q4 25 | 30.7% | 27.8% | ||
| Q3 25 | 21.2% | 27.3% | ||
| Q2 25 | 36.9% | 25.9% | ||
| Q1 25 | 53.0% | 24.6% | ||
| Q4 24 | — | 23.7% | ||
| Q3 24 | — | 25.0% | ||
| Q2 24 | — | 23.3% | ||
| Q1 24 | — | 19.6% |
每股收益（稀释后）AIIUSB
| Q4 25 | $0.58 | $1.26 | ||
| Q3 25 | $0.67 | $1.22 | ||
| Q2 25 | $1.62 | $1.11 | ||
| Q1 25 | $2.78 | $1.03 | ||
| Q4 24 | — | $1.01 | ||
| Q3 24 | — | $1.03 | ||
| Q2 24 | — | $0.97 | ||
| Q1 24 | — | $0.78 |
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 | $65.2B |
| 总资产 | $1.2B | $692.3B |
| 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AIIUSB
| 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AIIUSB
| 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AIIUSB
| Q4 25 | $337.0M | $65.2B | ||
| Q3 25 | $315.9M | $63.3B | ||
| Q2 25 | $301.9M | $61.4B | ||
| Q1 25 | $186.1M | $60.1B | ||
| Q4 24 | — | $58.6B | ||
| Q3 24 | — | $58.9B | ||
| Q2 24 | — | $56.4B | ||
| Q1 24 | — | $55.6B |
总资产AIIUSB
| Q4 25 | $1.2B | $692.3B | ||
| Q3 25 | $1.4B | $695.4B | ||
| Q2 25 | $1.6B | $686.4B | ||
| Q1 25 | $1.1B | $676.5B | ||
| Q4 24 | — | $678.3B | ||
| Q3 24 | — | $686.5B | ||
| Q2 24 | — | $680.1B | ||
| Q1 24 | — | $683.6B |
负债/权益比AIIUSB
| 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 | $2.8B |
| 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× | 1.39× |
| 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AIIUSB
| Q4 25 | $50.2M | $2.8B | ||
| Q3 25 | $-7.5M | $3.4B | ||
| Q2 25 | $27.4M | $2.0B | ||
| Q1 25 | $68.1M | $-285.0M | ||
| Q4 24 | — | $4.8B | ||
| Q3 24 | — | $972.0M | ||
| Q2 24 | — | $2.9B | ||
| Q1 24 | — | $2.7B |
自由现金流AIIUSB
| 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AIIUSB
| 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AIIUSB
| 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AIIUSB
| Q4 25 | 2.41× | 1.39× | ||
| Q3 25 | -0.57× | 1.69× | ||
| Q2 25 | 1.00× | 1.12× | ||
| Q1 25 | 1.79× | -0.17× | ||
| Q4 24 | — | 2.87× | ||
| Q3 24 | — | 0.57× | ||
| Q2 24 | — | 1.79× | ||
| Q1 24 | — | 2.02× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
