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怡安集团（AON）与LM FUNDING AMERICA, INC.（LMFA）财务数据对比。点击上方公司名可切换其他公司
怡安集团的季度营收约是LM FUNDING AMERICA, INC.的1816.8倍（$4.3B vs $2.4M），LM FUNDING AMERICA, INC.同比增速更快（19.2% vs 3.7%），怡安集团自由现金流更多（$1.3B vs $-16.2M），过去两年怡安集团的营收复合增速更高（2.8% vs -29.4%）
怡安集团（Aon plc）是一家英美背景的专业服务企业，下设两大业务板块：风险资本板块提供风险管理、保险及再保险领域的经纪与咨询服务；人力资本板块提供健康保险、退休及养老金计划、人才咨询等相关服务。
LM Funding America, Inc.是一家总部位于美国的专业金融服务企业，主要业务为收购、管理及处置逾期不动产税收留置权，服务于美国多地地方政府机构与房地产市场参与主体，核心业务板块聚焦于财产税债权相关的另类资产投资。
AON vs LMFA — 直观对比
营收规模更大
AON
是对方的1816.8倍
$2.4M
LM
营收增速更快
LM
LMFA
高出15.5%
LM
19.2%3.7%
自由现金流更多
AON
多$1.3B
$-16.2M
LM
两年增速更快
AON
近两年复合增速
-29.4%
LM
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | LM LMFA |
|---|---|---|
| 营收 | $4.3B | $2.4M |
| 净利润 | $1.7B | — |
| 毛利率 | — | — |
| 营业利润率 | 28.1% | — |
| 净利率 | 39.4% | — |
| 营收同比 | 3.7% | 19.2% |
| 净利润同比 | 136.5% | — |
| 每股收益（稀释后） | $7.82 | — |
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AON
LM
LMFA| Q4 25 | $4.3B | $2.4M | ||
| Q3 25 | $4.0B | $2.2M | ||
| Q2 25 | $4.2B | $1.9M | ||
| Q1 25 | $4.7B | $2.4M | ||
| Q4 24 | $4.1B | $2.0M | ||
| Q3 24 | $3.7B | $1.3M | ||
| Q2 24 | $3.8B | $3.0M | ||
| Q1 24 | $4.1B | $4.7M |
净利润AON
LM
LMFA| Q4 25 | $1.7B | — | ||
| Q3 25 | $458.0M | $-3.7M | ||
| Q2 25 | $579.0M | $100.6K | ||
| Q1 25 | $965.0M | $-5.4M | ||
| Q4 24 | $716.0M | — | ||
| Q3 24 | $343.0M | $-4.3M | ||
| Q2 24 | $524.0M | $-5.6M | ||
| Q1 24 | $1.1B | $1.9M |
营业利润率AON
LM
LMFA| Q4 25 | 28.1% | — | ||
| Q3 25 | 20.4% | -161.5% | ||
| Q2 25 | 20.7% | 22.0% | ||
| Q1 25 | 30.9% | -215.1% | ||
| Q4 24 | 26.3% | — | ||
| Q3 24 | 16.7% | -318.6% | ||
| Q2 24 | 17.4% | -143.2% | ||
| Q1 24 | 36.0% | 21.2% |
净利率AON
LM
LMFA| Q4 25 | 39.4% | — | ||
| Q3 25 | 11.5% | -171.2% | ||
| Q2 25 | 13.9% | 5.2% | ||
| Q1 25 | 20.4% | -227.7% | ||
| Q4 24 | 17.3% | — | ||
| Q3 24 | 9.2% | -341.2% | ||
| Q2 24 | 13.9% | -186.2% | ||
| Q1 24 | 26.3% | 40.9% |
每股收益（稀释后）AON
LM
LMFA| Q4 25 | $7.82 | — | ||
| Q3 25 | $2.11 | $-0.41 | ||
| Q2 25 | $2.66 | $0.02 | ||
| Q1 25 | $4.43 | $-1.05 | ||
| Q4 24 | $3.11 | — | ||
| Q3 24 | $1.57 | $-2.25 | ||
| Q2 24 | $2.46 | $-2.26 | ||
| Q1 24 | $5.35 | $0.80 |
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 | | LM LMFA |
|---|---|---|
| 现金及短期投资手头流动性 | $2.8B | $37.4K |
| 总债务越低越好 | $15.2B | — |
| 股东权益账面价值 | $9.4B | $30.6M |
| 总资产 | $50.8B | $51.3M |
| 负债/权益比越低杠杆越低 | 1.63× | — |
8季度趋势，按日历期对齐
现金及短期投资AON
LM
LMFA| Q4 25 | $2.8B | $37.4K | ||
| Q3 25 | $1.3B | $23.6K | ||
| Q2 25 | $1.4B | $13.2K | ||
| Q1 25 | $1.3B | $18.3K | ||
| Q4 24 | $1.3B | $27.1K | ||
| Q3 24 | $1.3B | $18.8K | ||
| Q2 24 | $1.2B | $22.1K | ||
| Q1 24 | $6.4B | $15.7K |
总债务AON
LM
LMFA| Q4 25 | $15.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $17.0B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AON
LM
LMFA| Q4 25 | $9.4B | $30.6M | ||
| Q3 25 | $7.9B | $50.1M | ||
| Q2 25 | $7.8B | $31.9M | ||
| Q1 25 | $7.0B | $31.7M | ||
| Q4 24 | $6.1B | $37.0M | ||
| Q3 24 | $6.2B | $30.2M | ||
| Q2 24 | $5.9B | $32.5M | ||
| Q1 24 | $-133.0M | $38.5M |
总资产AON
LM
LMFA| Q4 25 | $50.8B | $51.3M | ||
| Q3 25 | $51.6B | $60.2M | ||
| Q2 25 | $54.0B | $39.0M | ||
| Q1 25 | $50.3B | $39.1M | ||
| Q4 24 | $49.0B | $44.0M | ||
| Q3 24 | $49.9B | $37.9M | ||
| Q2 24 | $51.5B | $35.1M | ||
| Q1 24 | $40.8B | $40.6M |
负债/权益比AON
LM
LMFA| Q4 25 | 1.63× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 2.78× | — | ||
| 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 | | LM LMFA |
|---|---|---|
| 经营现金流最新季度 | $1.4B | $-14.0M |
| 自由现金流经营现金流 - 资本支出 | $1.3B | $-16.2M |
| 自由现金流率自由现金流/营收 | 30.8% | -684.3% |
| 资本支出强度资本支出/营收 | 1.7% | 93.2% |
| 现金转化率经营现金流/净利润 | 0.83× | — |
| 过去12个月自由现金流最近4个季度 | $3.2B | $-25.6M |
8季度趋势，按日历期对齐
经营现金流AON
LM
LMFA| Q4 25 | $1.4B | $-14.0M | ||
| Q3 25 | $1.1B | $-3.1M | ||
| Q2 25 | $796.0M | $-2.8M | ||
| Q1 25 | $140.0M | $-2.9M | ||
| Q4 24 | $1.2B | $-11.9M | ||
| Q3 24 | $1.0B | $-2.7M | ||
| Q2 24 | $513.0M | $-3.0M | ||
| Q1 24 | $309.0M | $-3.0M |
自由现金流AON
LM
LMFA| Q4 25 | $1.3B | $-16.2M | ||
| Q3 25 | $1.1B | $-3.3M | ||
| Q2 25 | $732.0M | $-3.0M | ||
| Q1 25 | $84.0M | $-3.1M | ||
| Q4 24 | $1.1B | $-13.7M | ||
| Q3 24 | $951.0M | $-2.7M | ||
| Q2 24 | $460.0M | $-4.2M | ||
| Q1 24 | $261.0M | — |
自由现金流率AON
LM
LMFA| Q4 25 | 30.8% | -684.3% | ||
| Q3 25 | 27.0% | -152.1% | ||
| Q2 25 | 17.6% | -156.7% | ||
| Q1 25 | 1.8% | -129.4% | ||
| Q4 24 | 27.6% | -689.0% | ||
| Q3 24 | 25.6% | -215.3% | ||
| Q2 24 | 12.2% | -140.9% | ||
| Q1 24 | 6.4% | — |
资本支出强度AON
LM
LMFA| Q4 25 | 1.7% | 93.2% | ||
| Q3 25 | 1.7% | 11.9% | ||
| Q2 25 | 1.5% | 10.7% | ||
| Q1 25 | 1.2% | 7.2% | ||
| Q4 24 | 1.3% | 87.3% | ||
| Q3 24 | 1.7% | 0.1% | ||
| Q2 24 | 1.4% | 40.7% | ||
| Q1 24 | 1.2% | 0.0% |
现金转化率AON
LM
LMFA| Q4 25 | 0.83× | — | ||
| Q3 25 | 2.51× | — | ||
| Q2 25 | 1.37× | -27.99× | ||
| Q1 25 | 0.15× | — | ||
| Q4 24 | 1.68× | — | ||
| Q3 24 | 2.95× | — | ||
| Q2 24 | 0.98× | — | ||
| Q1 24 | 0.29× | -1.53× |
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
AON
| Commercial Risk Solutions | $2.3B | 54% |
| Health Solutions | $1.1B | 26% |
| Wealth Solutions | $490.0M | 11% |
| Reinsurance Solutions | $379.0M | 9% |
LMLMFA
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