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Ategrity Specialty Insurance Co Holdings（ASIC）与Cincinnati Financial（CINF）财务数据对比。点击上方公司名可切换其他公司
Cincinnati Financial的季度营收约是Ategrity Specialty Insurance Co Holdings的26.6倍（$3.1B vs $116.1M）。Cincinnati Financial净利率更高（21.9% vs 19.5%，领先2.3%）
Ategrity Specialty Insurance Co Holdings是一家特种保险控股企业，提供商业财产及意外伤害保险解决方案，主营超额与盈余线保险业务，服务美国本土建筑、医疗、小型企业等细分领域，为标准保险公司通常不承接的特殊风险提供定制化保单。
辛辛那提金融公司主营财产与意外伤害保险，通过旗下辛辛那提保险公司、辛辛那提赔偿公司及辛辛那提意外伤害保险公司运营核心业务。目前该公司在美国国内财险保费市场占比达1.01%，按市场份额计算位列美国第20大保险公司。
ASIC vs CINF — 直观对比
营收规模更大
CINF
是对方的26.6倍
$116.1M
净利率更高
CINF
高出2.3%
19.5%
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $116.1M | $3.1B |
| 净利润 | $22.7M | $676.0M |
| 毛利率 | — | — |
| 营业利润率 | 25.6% | 27.2% |
| 净利率 | 19.5% | 21.9% |
| 营收同比 | — | 21.8% |
| 净利润同比 | — | 66.9% |
| 每股收益（稀释后） | $0.45 | $4.29 |
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ASICCINF
| Q4 25 | — | $3.1B | ||
| Q3 25 | $116.1M | $3.7B | ||
| Q2 25 | $101.8M | $3.2B | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $2.5B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $2.5B | ||
| Q1 24 | — | $2.9B |
净利润ASICCINF
| Q4 25 | — | $676.0M | ||
| Q3 25 | $22.7M | $1.1B | ||
| Q2 25 | $17.6M | $685.0M | ||
| Q1 25 | — | $-90.0M | ||
| Q4 24 | — | $405.0M | ||
| Q3 24 | — | $820.0M | ||
| Q2 24 | — | $312.0M | ||
| Q1 24 | — | $755.0M |
营业利润率ASICCINF
| Q4 25 | — | 27.2% | ||
| Q3 25 | 25.6% | 37.9% | ||
| Q2 25 | 21.9% | 26.3% | ||
| Q1 25 | — | -5.0% | ||
| Q4 24 | — | 18.9% | ||
| Q3 24 | — | 31.3% | ||
| Q2 24 | — | 15.2% | ||
| Q1 24 | — | 32.5% |
净利率ASICCINF
| Q4 25 | — | 21.9% | ||
| Q3 25 | 19.5% | 30.1% | ||
| Q2 25 | 17.3% | 21.1% | ||
| Q1 25 | — | -3.5% | ||
| Q4 24 | — | 16.0% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 12.3% | ||
| Q1 24 | — | 25.7% |
每股收益（稀释后）ASICCINF
| Q4 25 | — | $4.29 | ||
| Q3 25 | $0.45 | $7.11 | ||
| Q2 25 | $0.39 | $4.34 | ||
| Q1 25 | — | $-0.57 | ||
| Q4 24 | — | $2.57 | ||
| Q3 24 | — | $5.20 | ||
| Q2 24 | — | $1.98 | ||
| Q1 24 | — | $4.78 |
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 | $34.3M | $148.0M |
| 总债务越低越好 | — | $861.0M |
| 股东权益账面价值 | $588.6M | $15.9B |
| 总资产 | $1.4B | $41.0B |
| 负债/权益比越低杠杆越低 | — | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资ASICCINF
| Q4 25 | — | $148.0M | ||
| Q3 25 | $34.3M | $1.6B | ||
| Q2 25 | $23.5M | $1.1B | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.8B | ||
| Q2 24 | — | $771.0M | ||
| Q1 24 | — | $619.0M |
总债务ASICCINF
| Q4 25 | — | $861.0M | ||
| Q3 25 | — | $858.0M | ||
| Q2 25 | — | $859.0M | ||
| Q1 25 | — | $853.0M | ||
| Q4 24 | — | $850.0M | ||
| Q3 24 | — | $849.0M | ||
| Q2 24 | — | $849.0M | ||
| Q1 24 | — | $848.0M |
股东权益ASICCINF
| Q4 25 | — | $15.9B | ||
| Q3 25 | $588.6M | $15.4B | ||
| Q2 25 | $559.7M | $14.3B | ||
| Q1 25 | — | $13.7B | ||
| Q4 24 | — | $13.9B | ||
| Q3 24 | — | $13.8B | ||
| Q2 24 | — | $12.8B | ||
| Q1 24 | — | $12.7B |
总资产ASICCINF
| Q4 25 | — | $41.0B | ||
| Q3 25 | $1.4B | $40.6B | ||
| Q2 25 | $1.4B | $38.8B | ||
| Q1 25 | — | $37.3B | ||
| Q4 24 | — | $36.5B | ||
| Q3 24 | — | $37.0B | ||
| Q2 24 | — | $34.8B | ||
| Q1 24 | — | $33.7B |
负债/权益比ASICCINF
| Q4 25 | — | 0.05× | ||
| Q3 25 | — | 0.06× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | — | 0.06× | ||
| Q4 24 | — | 0.06× | ||
| Q3 24 | — | 0.06× | ||
| Q2 24 | — | 0.07× | ||
| Q1 24 | — | 0.07× |
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 | $41.1M | $947.0M |
| 自由现金流经营现金流 - 资本支出 | — | $939.0M |
| 自由现金流率自由现金流/营收 | — | 30.4% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | 1.81× | 1.40× |
| 过去12个月自由现金流最近4个季度 | — | $3.1B |
8季度趋势，按日历期对齐
经营现金流ASICCINF
| Q4 25 | — | $947.0M | ||
| Q3 25 | $41.1M | $1.1B | ||
| Q2 25 | $50.8M | $741.0M | ||
| Q1 25 | — | $310.0M | ||
| Q4 24 | — | $642.0M | ||
| Q3 24 | — | $912.0M | ||
| Q2 24 | — | $742.0M | ||
| Q1 24 | — | $353.0M |
自由现金流ASICCINF
| Q4 25 | — | $939.0M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $737.0M | ||
| Q1 25 | — | $307.0M | ||
| Q4 24 | — | $638.0M | ||
| Q3 24 | — | $906.0M | ||
| Q2 24 | — | $737.0M | ||
| Q1 24 | — | $346.0M |
自由现金流率ASICCINF
| Q4 25 | — | 30.4% | ||
| Q3 25 | — | 29.8% | ||
| Q2 25 | — | 22.7% | ||
| Q1 25 | — | 12.0% | ||
| Q4 24 | — | 25.1% | ||
| Q3 24 | — | 27.3% | ||
| Q2 24 | — | 29.0% | ||
| Q1 24 | — | 11.8% |
资本支出强度ASICCINF
| Q4 25 | — | 0.3% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 0.2% |
现金转化率ASICCINF
| Q4 25 | — | 1.40× | ||
| Q3 25 | 1.81× | 0.99× | ||
| Q2 25 | 2.88× | 1.08× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.59× | ||
| Q3 24 | — | 1.11× | ||
| Q2 24 | — | 2.38× | ||
| Q1 24 | — | 0.47× |
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
ASIC
暂无分部数据
CINF
| Commercial Lines Insurance | $1.2B | 40% |
| Personal Lines Insurance | $860.0M | 28% |
| Investment Segment Of CINF | $488.0M | 16% |
| Other | $224.0M | 7% |
| Excessand Surplus Lines Insurance | $189.0M | 6% |
| Life Insurance | $86.0M | 3% |
