The concentrated photovoltaic/thermal system (CPVT) adopting spectral beam splitting is a promising field of solar energy research. However, the thermo-electric properties of fluid-based CPVT collectors, which depend strongly on the non-uniform concentrated energy flux, remain unclear. This study aims to fill the gap and explore the thermo-electric properties of fluid-based CPVT collectors under non-uniform energy flux based on the finite volume method (FVM) with the Monte Carlo Ray-Trace (MCRT) method. The actual solar flux distribution on the receiver surface is obtained using Tracepro software. Then, the realistic non-uniform energy flux was employed in ANSYS Workbench 2022R1 software as a boundary condition to increase the accuracy of the CFD modeling of the system. The model is validated by comparing the results of the reference data. Moreover, the impact of uniform and non-uniform energy flux on the PV cell temperature is analyzed. In addition, the effects of mass flow rate on the electrical and thermal performance of the system are investigated. The results show that the PVT hybrid system has high conversion efficiency, with a total efficiency of more than 50%. Notably, the extreme non-uniformity of the solar-concentrated energy flux can result in local overheating of the PV cell, which may lead to irreversible damage.