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好事达（ALL）与CNO Financial Group, Inc.（CNO）财务数据对比。点击上方公司名可切换其他公司
好事达的季度营收约是CNO Financial Group, Inc.的15.2倍（$17.3B vs $1.1B）。好事达净利率更高（22.1% vs 8.8%，领先13.3%）。好事达同比增速更快（5.1% vs 4.2%）。过去两年好事达的营收复合增速更高（6.6% vs -0.6%）
好事达集团是面向美国、加拿大市场的综合性保险服务商，提供财产险、意外险及其他保险产品。旗下设好事达保险、保障服务、健康福利、到期财产责任险四大板块，主营私人乘用车险、房屋保险，亦覆盖摩托车、房车、越野车等特种车险及各类个人保险产品。
CNO金融集团是总部位于美国印第安纳州卡梅尔的金融服务控股公司，前身为康塞科公司。集团旗下保险子公司为美国超400万客户提供人寿保险、年金和补充健康保险产品，通过独立代理人、专属代理人，以及电视广告、直邮等直销触达用户。
ALL vs CNO — 直观对比
营收规模更大
ALL
是对方的15.2倍
$1.1B
营收增速更快
ALL
高出0.9%
4.2%
净利率更高
ALL
高出13.3%
8.8%
两年增速更快
ALL
近两年复合增速
-0.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $1.1B |
| 净利润 | $3.8B | $100.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 15.2% |
| 净利率 | 22.1% | 8.8% |
| 营收同比 | 5.1% | 4.2% |
| 净利润同比 | 98.8% | -39.4% |
| 每股收益（稀释后） | $14.24 | $1.02 |
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ALLCNO
| Q4 25 | $17.3B | $1.1B | ||
| Q3 25 | $17.3B | $1.2B | ||
| Q2 25 | $16.6B | $1.2B | ||
| Q1 25 | $16.5B | $1.0B | ||
| Q4 24 | $16.5B | $1.1B | ||
| Q3 24 | $16.6B | $1.1B | ||
| Q2 24 | $15.7B | $1.1B | ||
| Q1 24 | $15.3B | $1.2B |
净利润ALLCNO
| Q4 25 | $3.8B | $100.7M | ||
| Q3 25 | $3.7B | $23.1M | ||
| Q2 25 | $2.1B | $91.8M | ||
| Q1 25 | $595.0M | $13.7M | ||
| Q4 24 | $1.9B | $166.1M | ||
| Q3 24 | $1.2B | $9.3M | ||
| Q2 24 | $331.0M | $116.3M | ||
| Q1 24 | $1.2B | $112.3M |
营业利润率ALLCNO
| Q4 25 | — | 15.2% | ||
| Q3 25 | — | 13.7% | ||
| Q2 25 | — | 9.8% | ||
| Q1 25 | — | 10.4% | ||
| Q4 24 | — | 15.8% | ||
| Q3 24 | — | 13.6% | ||
| Q2 24 | — | 13.9% | ||
| Q1 24 | — | 6.5% |
净利率ALLCNO
| Q4 25 | 22.1% | 8.8% | ||
| Q3 25 | 21.7% | 1.9% | ||
| Q2 25 | 12.7% | 8.0% | ||
| Q1 25 | 3.6% | 1.4% | ||
| Q4 24 | 11.7% | 15.1% | ||
| Q3 24 | 7.2% | 0.8% | ||
| Q2 24 | 2.1% | 10.9% | ||
| Q1 24 | 8.0% | 9.7% |
每股收益（稀释后）ALLCNO
| Q4 25 | $14.24 | $1.02 | ||
| Q3 25 | $13.95 | $0.24 | ||
| Q2 25 | $7.76 | $0.91 | ||
| Q1 25 | $2.11 | $0.13 | ||
| Q4 24 | $7.07 | $1.58 | ||
| Q3 24 | $4.33 | $0.09 | ||
| Q2 24 | $1.13 | $1.06 | ||
| Q1 24 | $4.46 | $1.01 |
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 | $4.9B | — |
| 总债务越低越好 | $7.5B | — |
| 股东权益账面价值 | $30.6B | $2.6B |
| 总资产 | $119.8B | $38.8B |
| 负债/权益比越低杠杆越低 | 0.24× | — |
8季度趋势，按日历期对齐
现金及短期投资ALLCNO
| Q4 25 | $4.9B | — | ||
| Q3 25 | $8.7B | — | ||
| Q2 25 | $9.6B | — | ||
| Q1 25 | $6.5B | — | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $7.0B | — | ||
| Q2 24 | $5.3B | — | ||
| Q1 24 | $4.3B | — |
总债务ALLCNO
| Q4 25 | $7.5B | — | ||
| Q3 25 | $8.1B | — | ||
| Q2 25 | $8.1B | — | ||
| Q1 25 | $8.1B | — | ||
| Q4 24 | $8.1B | — | ||
| Q3 24 | $8.1B | — | ||
| Q2 24 | $8.1B | — | ||
| Q1 24 | $7.9B | — |
股东权益ALLCNO
| Q4 25 | $30.6B | $2.6B | ||
| Q3 25 | $27.5B | $2.6B | ||
| Q2 25 | $24.0B | $2.5B | ||
| Q1 25 | $22.1B | $2.5B | ||
| Q4 24 | $21.4B | $2.5B | ||
| Q3 24 | $20.9B | $2.7B | ||
| Q2 24 | $18.6B | $2.4B | ||
| Q1 24 | $18.6B | $2.4B |
总资产ALLCNO
| Q4 25 | $119.8B | $38.8B | ||
| Q3 25 | $120.4B | $38.3B | ||
| Q2 25 | $115.9B | $37.3B | ||
| Q1 25 | $115.2B | $37.4B | ||
| Q4 24 | $111.6B | $37.9B | ||
| Q3 24 | $113.7B | $37.6B | ||
| Q2 24 | $108.4B | $36.3B | ||
| Q1 24 | $105.2B | $34.9B |
负债/权益比ALLCNO
| Q4 25 | 0.24× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | 0.37× | — | ||
| Q4 24 | 0.38× | — | ||
| Q3 24 | 0.39× | — | ||
| Q2 24 | 0.43× | — | ||
| Q1 24 | 0.43× | — |
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 | $3.0B | $195.7M |
| 自由现金流经营现金流 - 资本支出 | $2.9B | — |
| 自由现金流率自由现金流/营收 | 16.7% | — |
| 资本支出强度资本支出/营收 | 0.5% | — |
| 现金转化率经营现金流/净利润 | 0.78× | 1.94× |
| 过去12个月自由现金流最近4个季度 | $9.9B | — |
8季度趋势，按日历期对齐
经营现金流ALLCNO
| Q4 25 | $3.0B | $195.7M | ||
| Q3 25 | $3.3B | $197.8M | ||
| Q2 25 | $1.9B | $145.5M | ||
| Q1 25 | $2.0B | $136.7M | ||
| Q4 24 | $1.7B | $191.0M | ||
| Q3 24 | $3.2B | $231.2M | ||
| Q2 24 | $2.4B | $110.9M | ||
| Q1 24 | $1.7B | $94.6M |
自由现金流ALLCNO
| Q4 25 | $2.9B | — | ||
| Q3 25 | $3.2B | — | ||
| Q2 25 | $1.9B | — | ||
| Q1 25 | $1.9B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $3.1B | — | ||
| Q2 24 | $2.3B | — | ||
| Q1 24 | $1.6B | — |
自由现金流率ALLCNO
| Q4 25 | 16.7% | — | ||
| Q3 25 | 18.8% | — | ||
| Q2 25 | 11.3% | — | ||
| Q1 25 | 11.4% | — | ||
| Q4 24 | 10.0% | — | ||
| Q3 24 | 18.9% | — | ||
| Q2 24 | 14.7% | — | ||
| Q1 24 | 10.6% | — |
资本支出强度ALLCNO
| Q4 25 | 0.5% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.3% | — |
现金转化率ALLCNO
| Q4 25 | 0.78× | 1.94× | ||
| Q3 25 | 0.88× | 8.56× | ||
| Q2 25 | 0.89× | 1.58× | ||
| Q1 25 | 3.30× | 9.98× | ||
| Q4 24 | 0.88× | 1.15× | ||
| Q3 24 | 2.69× | 24.86× | ||
| Q2 24 | 7.13× | 0.95× | ||
| Q1 24 | 1.37× | 0.84× |
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
ALL
暂无分部数据
CNO
| Health Insurance Product Line | $496.4M | 43% |
| Life Insurance Segment | $268.8M | 24% |
| Other | $207.2M | 18% |
| Life And Annuity Insurance Product Line | $170.7M | 15% |
