股票 › AIZ
信保人寿 AIZ
美股市值排名 #1124
$307.00 +$0.13 (+0.04%)
休市 · Nov 7, 12:10 am ET · 最新盘后价 $307.00 0.00%
开盘$300.74
昨收$306.87
当日区间$299.91 – $308.31
成交量468.3K
市值$15.06B
市盈率（TTM）14.5
股息率1.15%
基本面
最新报告季度：Q2, ended Jun 2026
营收$3.45B+9.4% YoY
净利润$298.60M+26.9% YoY
摊薄每股收益$5.95+30.5% YoY
自由现金流$409.20M+99.0% YoY
经营现金流$454.40M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率7.8%
净资产收益率18.2%
资产收益率2.9%
负债/资产比率83.1%
总负债$2.21B
自由现金流/营收12.3%
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $3.45B | $3.42B | $12.81B | $3.35B | $3.23B |
| 营业总收入 | $3.45B | $3.42B | $12.81B | $3.35B | $3.23B |
| 已赚保费合计 | $2.77B | $2.78B | $10.48B | $2.71B | $2.63B |
| 手续费收入及其他收入 | $554.60M | $499.80M | $1.88B | $524.90M | $484.40M |
| -手续费及佣金 | $554.60M | $499.80M | $1.88B | $524.90M | $484.40M |
| 净投资收益 | $144.80M | $154.00M | $520.60M | $116.80M | $137.60M |
| 投资已实现损益净额 | -$12.60M | -$15.60M | -$65.10M | $3.00M | -$17.70M |
| 总费用 | $3.08B | $3.08B | $11.73B | $3.07B | $2.90B |
| 理赔费用 | $748.30M | $769.10M | $2.93B | $717.00M | $709.60M |
| 承保费用 | $2.30B | $2.29B | $8.69B | $2.32B | $2.16B |
| 非经营性利息净收入（支出） | -$28.40M | -$28.30M | -$109.70M | -$28.30M | -$27.90M |
| -非经营性利息支出 | $28.40M | $28.30M | $109.70M | $28.30M | $27.90M |
| 税前利润 | $376.90M | $335.60M | $1.09B | $283.50M | $331.20M |
| 税费 | $78.30M | $61.50M | $214.70M | $58.30M | $65.60M |
| 净利润 | $298.60M | $274.10M | $872.70M | $225.20M | $265.60M |
| 持续经营利润 | $298.60M | $274.10M | $872.70M | $225.20M | $265.60M |
| 归属母公司净利润 | $298.60M | $274.10M | $872.70M | $225.20M | $265.60M |
| 归属普通股股东净利润 | $298.60M | $274.10M | $865.00M | $217.50M | $265.60M |
| 基本每股收益 | $5.98 | $5.47 | $17.14 | $4.46 | $5.22 |
| 摊薄每股收益 | $5.95 | $5.41 | $16.93 | $4.41 | $5.17 |
| 每股股息 | $0.88 | $0.88 | $3.28 | $0.88 | $0.80 |
| -净承保保费 | – | – | $10.48B | – | – |
| 特殊收益（费用） | – | – | -$1.30M | $0.00 | -$1.30M |
| -减：其他特殊支出 | – | – | $1.30M | $0.00 | $1.30M |
| 其他优先股股息 | – | – | $7.70M | – | – |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $36.08B | $35.77B | $36.29B | $36.29B | $35.78B |
| 现金及现金等价物 | $1.70B | $1.59B | $1.83B | $1.83B | $1.71B |
| 投资合计 | $10.46B | $10.22B | $10.06B | $10.06B | $9.78B |
| -短期投资 | $2.89B | $2.75B | $2.72B | $2.72B | $2.63B |
| -贷款净额 | $305.40M | $309.50M | $324.70M | $324.70M | $328.20M |
| -股权投资 | $6.63B | $6.56B | $6.45B | $6.45B | $6.23B |
| -其他投资资产 | $631.70M | $601.50M | $573.00M | $573.00M | $596.80M |
| 应收款 | $8.36B | $8.57B | $8.46B | $8.46B | $8.97B |
| -应收账款 | $8.36B | $8.57B | $8.39B | $8.39B | $8.97B |
| 应计投资收益 | $133.10M | $118.70M | $135.40M | $135.40M | $120.70M |
| 固定资产净值 | $849.60M | $848.90M | $841.70M | $841.70M | $831.10M |
| 商誉及其他无形资产 | $3.14B | $3.17B | $3.17B | $3.17B | $3.18B |
| -商誉 | $2.66B | $2.65B | $2.65B | $2.65B | $2.65B |
| -其他无形资产 | $487.70M | $511.10M | $522.00M | $522.00M | $532.60M |
| 递延保单获取成本 | $10.38B | $10.20B | $10.19B | $10.19B | $10.13B |
| 终止经营资产 | $0.00 | $0.00 | $512.40M | $512.40M | – |
| 其他资产 | $1.06B | $1.05B | $1.09B | $1.09B | $1.06B |
| 负债合计 | $29.98B | $29.90B | $30.42B | $30.42B | $30.02B |
| 保单持有人负债 | $21.16B | $20.96B | $20.94B | $20.94B | $21.12B |
| 存款合计 | $282.00M | $287.10M | $266.40M | $266.40M | $279.40M |
| 应付款 | $2.73B | $2.77B | $2.74B | $2.74B | $2.81B |
| -应付账款 | $2.11B | $2.17B | $2.10B | $2.10B | $2.21B |
| -其他应付款 | $623.30M | $606.00M | $640.60M | $640.60M | $594.20M |
| 长期债务及融资租赁负债 | $2.21B | $2.21B | $2.21B | $2.21B | $2.21B |
| -长期债务 | $2.21B | $2.21B | $2.21B | $2.21B | $2.21B |
| 其他负债 | $3.60B | $3.67B | $4.27B | $4.27B | $3.61B |
| 股东权益合计 | $6.10B | $5.87B | $5.87B | $5.87B | $5.76B |
| 股东权益 | $6.10B | $5.87B | $5.87B | $5.87B | $5.76B |
| 股本 | $500,000.00 | $500,000.00 | $500,000.00 | $500,000.00 | $500,000.00 |
| -普通股 | $500,000.00 | $500,000.00 | $500,000.00 | $500,000.00 | $500,000.00 |
| 资本公积 | $1.69B | $1.67B | $1.71B | $1.71B | $1.70B |
| 留存收益 | $5.13B | $4.95B | $4.83B | $4.83B | $4.73B |
| 减：库存股 | $122.80M | $122.80M | $122.80M | $122.80M | $122.80M |
| 不影响留存收益的损益 | -$600.00M | -$629.00M | -$544.20M | -$544.20M | -$547.00M |
| -其他应收款 | – | – | $77.10M | $77.10M | – |
| -应收款调整准备 | – | – | -$10.40M | -$10.40M | – |
| 短期债务及融资租赁负债 | – | – | – | – | $0.00 |
| -一年内到期债务 | – | – | – | – | $0.00 |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $454.40M | $240.30M | $1.83B | $671.00M | $505.00M |
| 持续经营经营活动现金流净额 | $454.40M | $240.30M | $1.83B | $671.00M | $505.00M |
| 持续经营净利润 | $298.60M | $274.10M | $872.70M | $225.20M | $265.60M |
| 持续经营损益 | $10.20M | $21.70M | $82.50M | $31.20M | $13.60M |
| 递延税款 | $47.60M | $43.10M | $101.40M | $40.20M | $34.60M |
| 其他非现金项目 | -$11.10M | -$10.00M | $53.80M | $7.80M | $28.30M |
| 营运资金变动 | $15.70M | -$172.70M | $387.80M | $269.60M | $77.40M |
| -应收款变动 | $122.50M | -$87.80M | $723.30M | $82.30M | $351.20M |
| -赔款及理赔费用准备变动 | $122.40M | $61.50M | -$266.30M | $176.60M | -$48.60M |
| -递延获取成本变动 | -$167.50M | -$4.80M | -$136.50M | -$58.30M | $16.00M |
| -应付账款及应计费用变动 | $15.80M | -$36.70M | $72.60M | $46.50M | -$300,000.00 |
| -预留资金变动 | -$4.50M | $21.20M | -$12.70M | -$13.40M | $12.00M |
| -Change in Other Working Capital | -$73.00M | -$126.10M | $7.40M | $35.90M | -$252.90M |
| 投资活动现金流净额 | -$224.10M | -$282.30M | -$1.46B | -$403.80M | -$269.50M |
| 持续经营投资活动现金流净额 | -$224.10M | -$282.30M | -$1.46B | -$403.80M | -$269.50M |
| 固定资产购置及出售净额 | -$45.20M | -$47.70M | -$235.50M | -$59.30M | -$62.90M |
| 业务购买及出售净额 | -$1.20M | -$12.70M | -$23.50M | -$1.10M | -$22.40M |
| 投资购置及出售净额 | -$181.90M | -$237.40M | -$1.22B | -$353.20M | -$183.50M |
| 贷款发放/偿还净额 | $4.00M | $15.50M | $15.80M | $3.80M | -$500,000.00 |
| 筹资活动现金流 | -$123.30M | -$202.60M | -$364.20M | -$136.20M | -$5.00M |
| 持续经营筹资活动现金流净额 | -$123.30M | -$202.60M | -$364.20M | -$136.20M | -$5.00M |
| 普通股发行净额 | -$77.60M | -$124.20M | -$303.70M | -$94.30M | -$81.80M |
| 已付现金股利 | -$47.90M | -$44.00M | -$168.40M | -$44.20M | -$40.60M |
| 股票期权行使所得 | $2.20M | -$34.40M | -$13.80M | $2.30M | -$4.30M |
| 期末现金余额 | $1.70B | $1.59B | $1.83B | $1.83B | $1.71B |
| 现金净变动 | $107.00M | -$244.60M | $11.90M | $131.00M | $230.50M |
| 期初现金余额 | $1.59B | $1.83B | $1.81B | $1.71B | $1.49B |
| 汇率变动影响 | $0.00 | $2.20M | $14.50M | -$9.40M | -$4.70M |
| 自由现金流 | $409.20M | $192.60M | $1.60B | $611.70M | $442.10M |
| 其他投资变动净额 | – | – | $6.00M | – | – |
| Net Issuance Payments of Debt | – | – | $121.70M | $0.00 | – |
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