vs
怡安集团（AON）与Usio, Inc.（USIO）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Usio, Inc.的193.3倍（$4.3B vs $22.2M）。怡安集团净利率更高（39.4% vs -6.7%，领先46.1%）。Usio, Inc.同比增速更快（8.2% vs 3.7%）。怡安集团自由现金流更多（$1.3B vs $-42.8K）。过去两年Usio, Inc.的营收复合增速更高（3.0% vs 2.8%）
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。
Usio, Inc.是总部位于美国得克萨斯州圣安东尼奥的金融科技企业，主打综合电子支付服务，业务涵盖ACH交易处理、信用卡与借记卡收单、为软件平台提供支付便利、预付卡发行，同时还经营文件打印邮寄业务。
AON vs USIO — 直观对比
营收规模更大
AON
是对方的193.3倍
$22.2M
营收增速更快
USIO
高出4.5%
3.7%
净利率更高
AON
高出46.1%
-6.7%
自由现金流更多
AON
多$1.3B
$-42.8K
两年增速更快
USIO
近两年复合增速
2.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.3B | $22.2M |
| 净利润 | $1.7B | $-1.5M |
| 毛利率 | — | 21.9% |
| 营业利润率 | 28.1% | -5.7% |
| 净利率 | 39.4% | -6.7% |
| 营收同比 | 3.7% | 8.2% |
| 净利润同比 | 136.5% | -337.8% |
| 每股收益（稀释后） | $7.82 | $-0.05 |
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AONUSIO
| Q4 25 | $4.3B | $22.2M | ||
| Q3 25 | $4.0B | $21.2M | ||
| Q2 25 | $4.2B | $20.0M | ||
| Q1 25 | $4.7B | $22.0M | ||
| Q4 24 | $4.1B | $20.6M | ||
| Q3 24 | $3.7B | $21.3M | ||
| Q2 24 | $3.8B | $20.1M | ||
| Q1 24 | $4.1B | $21.0M |
净利润AONUSIO
| Q4 25 | $1.7B | $-1.5M | ||
| Q3 25 | $458.0M | $-415.1K | ||
| Q2 25 | $579.0M | $-366.7K | ||
| Q1 25 | $965.0M | $-235.0K | ||
| Q4 24 | $716.0M | $628.9K | ||
| Q3 24 | $343.0M | $2.9M | ||
| Q2 24 | $524.0M | $75.5K | ||
| Q1 24 | $1.1B | $-250.2K |
毛利率AONUSIO
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 23.0% | ||
| Q2 25 | — | 25.8% | ||
| Q1 25 | — | 21.9% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 23.0% | ||
| Q2 24 | — | 23.9% | ||
| Q1 24 | — | 23.1% |
营业利润率AONUSIO
| Q4 25 | 28.1% | -5.7% | ||
| Q3 25 | 20.4% | -2.2% | ||
| Q2 25 | 20.7% | -2.0% | ||
| Q1 25 | 30.9% | -1.1% | ||
| Q4 24 | 26.3% | -2.9% | ||
| Q3 24 | 16.7% | -1.8% | ||
| Q2 24 | 17.4% | -1.0% | ||
| Q1 24 | 36.0% | -1.3% |
净利率AONUSIO
| Q4 25 | 39.4% | -6.7% | ||
| Q3 25 | 11.5% | -2.0% | ||
| Q2 25 | 13.9% | -1.8% | ||
| Q1 25 | 20.4% | -1.1% | ||
| Q4 24 | 17.3% | 3.1% | ||
| Q3 24 | 9.2% | 13.4% | ||
| Q2 24 | 13.9% | 0.4% | ||
| Q1 24 | 26.3% | -1.2% |
每股收益（稀释后）AONUSIO
| Q4 25 | $7.82 | $-0.05 | ||
| Q3 25 | $2.11 | $-0.02 | ||
| Q2 25 | $2.66 | $-0.01 | ||
| Q1 25 | $4.43 | $-0.01 | ||
| Q4 24 | $3.11 | $0.03 | ||
| Q3 24 | $1.57 | $0.10 | ||
| Q2 24 | $2.46 | $0.00 | ||
| Q1 24 | $5.35 | $-0.01 |
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 | $2.8B | $7.4M |
| 总债务越低越好 | $15.2B | $1.4M |
| 股东权益账面价值 | $9.4B | $17.9M |
| 总资产 | $50.8B | $134.9M |
| 负债/权益比越低杠杆越低 | 1.63× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资AONUSIO
| Q4 25 | $2.8B | $7.4M | ||
| Q3 25 | $1.3B | $7.7M | ||
| Q2 25 | $1.4B | $8.1M | ||
| Q1 25 | $1.3B | $8.7M | ||
| Q4 24 | $1.3B | $8.1M | ||
| Q3 24 | $1.3B | $8.4M | ||
| Q2 24 | $1.2B | $7.2M | ||
| Q1 24 | $6.4B | $7.1M |
总债务AONUSIO
| Q4 25 | $15.2B | $1.4M | ||
| Q3 25 | — | $836.7K | ||
| Q2 25 | — | $647.1K | ||
| Q1 25 | — | $683.3K | ||
| Q4 24 | $17.0B | $719.4K | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AONUSIO
| Q4 25 | $9.4B | $17.9M | ||
| Q3 25 | $7.9B | $18.7M | ||
| Q2 25 | $7.8B | $18.7M | ||
| Q1 25 | $7.0B | $19.0M | ||
| Q4 24 | $6.1B | $19.2M | ||
| Q3 24 | $6.2B | $18.9M | ||
| Q2 24 | $5.9B | $15.7M | ||
| Q1 24 | $-133.0M | $15.3M |
总资产AONUSIO
| Q4 25 | $50.8B | $134.9M | ||
| Q3 25 | $51.6B | $99.4M | ||
| Q2 25 | $54.0B | $108.4M | ||
| Q1 25 | $50.3B | $109.6M | ||
| Q4 24 | $49.0B | $107.2M | ||
| Q3 24 | $49.9B | $114.6M | ||
| Q2 24 | $51.5B | $108.8M | ||
| Q1 24 | $40.8B | $99.1M |
负债/权益比AONUSIO
| Q4 25 | 1.63× | 0.08× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.04× | ||
| Q4 24 | 2.78× | 0.04× | ||
| 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 | $1.4B | $99.6K |
| 自由现金流经营现金流 - 资本支出 | $1.3B | $-42.8K |
| 自由现金流率自由现金流/营收 | 30.8% | -0.2% |
| 资本支出强度资本支出/营收 | 1.7% | 0.6% |
| 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 | $600.1K |
8季度趋势，按日历期对齐
经营现金流AONUSIO
| Q4 25 | $1.4B | $99.6K | ||
| Q3 25 | $1.1B | $303.8K | ||
| Q2 25 | $796.0M | $-263.9K | ||
| Q1 25 | $140.0M | $1.4M | ||
| Q4 24 | $1.2B | $1.0M | ||
| Q3 24 | $1.0B | $1.4M | ||
| Q2 24 | $513.0M | $369.1K | ||
| Q1 24 | $309.0M | $88.7K |
自由现金流AONUSIO
| Q4 25 | $1.3B | $-42.8K | ||
| Q3 25 | $1.1B | $85.2K | ||
| Q2 25 | $732.0M | $-503.2K | ||
| Q1 25 | $84.0M | $1.1M | ||
| Q4 24 | $1.1B | $931.7K | ||
| Q3 24 | $951.0M | $1.4M | ||
| Q2 24 | $460.0M | $246.3K | ||
| Q1 24 | $261.0M | $-88.1K |
自由现金流率AONUSIO
| Q4 25 | 30.8% | -0.2% | ||
| Q3 25 | 27.0% | 0.4% | ||
| Q2 25 | 17.6% | -2.5% | ||
| Q1 25 | 1.8% | 4.8% | ||
| Q4 24 | 27.6% | 4.5% | ||
| Q3 24 | 25.6% | 6.4% | ||
| Q2 24 | 12.2% | 1.2% | ||
| Q1 24 | 6.4% | -0.4% |
资本支出强度AONUSIO
| Q4 25 | 1.7% | 0.6% | ||
| Q3 25 | 1.7% | 1.0% | ||
| Q2 25 | 1.5% | 1.2% | ||
| Q1 25 | 1.2% | 1.4% | ||
| Q4 24 | 1.3% | 0.4% | ||
| Q3 24 | 1.7% | 0.3% | ||
| Q2 24 | 1.4% | 0.6% | ||
| Q1 24 | 1.2% | 0.8% |
现金转化率AONUSIO
| Q4 25 | 0.83× | — | ||
| Q3 25 | 2.51× | — | ||
| Q2 25 | 1.37× | — | ||
| Q1 25 | 0.15× | — | ||
| Q4 24 | 1.68× | 1.60× | ||
| Q3 24 | 2.95× | 0.50× | ||
| Q2 24 | 0.98× | 4.89× | ||
| Q1 24 | 0.29× | — |
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% |
USIO
| Credit Card Revenue | $7.7M | 35% |
| ACH And Complementary Service Revenue | $6.1M | 28% |
| Output Solutions | $5.4M | 24% |
| Prepaid Card Services Revenue | $2.6M | 12% |
