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美国运通（AXP）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
CNO Financial Group, Inc.的季度营收约是美国运通的60.5倍（$1.1B vs $18.9M）。美国运通净利率更高（15.7% vs 8.8%，领先6.9%）。美国运通同比增速更快（11.4% vs 4.2%）。过去两年CNO Financial Group, Inc.的营收复合增速更高（-0.6% vs -95.6%）
美国运通是全球知名的支付服务提供商，主营签账卡、信用卡产品及旅行相关服务，下设全球消费者服务、全球商业服务、全球商户与网络服务三大业务板块，还提供支付融资、网络服务、应付账款费用管理、旅行生活服务等多元解决方案。
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。
AXP vs CNO — 直观对比
营收规模更大
CNO
是对方的60.5倍
$18.9M
营收增速更快
AXP
高出7.3%
4.2%
净利率更高
AXP
高出6.9%
8.8%
两年增速更快
CNO
近两年复合增速
-95.6%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $1.1B |
| 净利润 | $3.0M | $100.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 15.2% |
| 净利率 | 15.7% | 8.8% |
| 营收同比 | 11.4% | 4.2% |
| 净利润同比 | 15.0% | -39.4% |
| 每股收益（稀释后） | — | $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AXPCNO
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $1.1B | ||
| Q3 25 | $10.4B | $1.2B | ||
| Q2 25 | $10.3B | $1.2B | ||
| Q1 25 | $9.6B | $1.0B | ||
| Q4 24 | $10.0B | $1.1B | ||
| Q3 24 | $9.7B | $1.1B | ||
| Q2 24 | $9.8B | $1.1B |
净利润AXPCNO
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $100.7M | ||
| Q3 25 | $2.9B | $23.1M | ||
| Q2 25 | $2.9B | $91.8M | ||
| Q1 25 | $2.6B | $13.7M | ||
| Q4 24 | $2.2B | $166.1M | ||
| Q3 24 | $2.5B | $9.3M | ||
| Q2 24 | $3.0B | $116.3M |
营业利润率AXPCNO
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | 15.2% | ||
| Q3 25 | 36.7% | 13.7% | ||
| Q2 25 | 34.4% | 9.8% | ||
| Q1 25 | 34.6% | 10.4% | ||
| Q4 24 | 27.7% | 15.8% | ||
| Q3 24 | 33.0% | 13.6% | ||
| Q2 24 | 38.6% | 13.9% |
净利率AXPCNO
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | 8.8% | ||
| Q3 25 | 27.9% | 1.9% | ||
| Q2 25 | 28.0% | 8.0% | ||
| Q1 25 | 26.8% | 1.4% | ||
| Q4 24 | 21.8% | 15.1% | ||
| Q3 24 | 25.8% | 0.8% | ||
| Q2 24 | 30.7% | 10.9% |
每股收益（稀释后）AXPCNO
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $1.02 | ||
| Q3 25 | $4.14 | $0.24 | ||
| Q2 25 | $4.08 | $0.91 | ||
| Q1 25 | $3.64 | $0.13 | ||
| Q4 24 | $3.04 | $1.58 | ||
| Q3 24 | $3.49 | $0.09 | ||
| Q2 24 | $4.15 | $1.06 |
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 | — | — |
| 总债务越低越好 | $60.4M | — |
| 股东权益账面价值 | $34.0M | $2.6B |
| 总资产 | $308.9M | $38.8B |
| 负债/权益比越低杠杆越低 | 1.78× | — |
8季度趋势，按日历期对齐
现金及短期投资AXPCNO
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | — | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $197.0M | — | ||
| Q1 25 | $261.0M | — | ||
| Q4 24 | $221.0M | — | ||
| Q3 24 | $120.0M | — | ||
| Q2 24 | $188.0M | — |
总债务AXPCNO
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | — | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | — | ||
| Q4 24 | $49.7B | — | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — |
股东权益AXPCNO
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $2.6B | ||
| Q3 25 | $32.4B | $2.6B | ||
| Q2 25 | $32.3B | $2.5B | ||
| Q1 25 | $31.2B | $2.5B | ||
| Q4 24 | $30.3B | $2.5B | ||
| Q3 24 | $29.7B | $2.7B | ||
| Q2 24 | $29.5B | $2.4B |
总资产AXPCNO
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $38.8B | ||
| Q3 25 | $297.6B | $38.3B | ||
| Q2 25 | $295.6B | $37.3B | ||
| Q1 25 | $282.2B | $37.4B | ||
| Q4 24 | $271.5B | $37.9B | ||
| Q3 24 | $271.0B | $37.6B | ||
| Q2 24 | $272.2B | $36.3B |
负债/权益比AXPCNO
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | — | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 1.64× | — | ||
| Q3 24 | 1.80× | — | ||
| Q2 24 | 1.74× | — |
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 | — | $195.7M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 1.94× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流AXPCNO
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $195.7M | ||
| Q3 25 | $6.2B | $197.8M | ||
| Q2 25 | $4.4B | $145.5M | ||
| Q1 25 | $4.8B | $136.7M | ||
| Q4 24 | $5.8B | $191.0M | ||
| Q3 24 | $-1.8B | $231.2M | ||
| Q2 24 | $4.5B | $110.9M |
自由现金流AXPCNO
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | — | ||
| Q3 25 | $5.6B | — | ||
| Q2 25 | $3.7B | — | ||
| Q1 25 | $4.3B | — | ||
| Q4 24 | $5.3B | — | ||
| Q3 24 | $-2.3B | — | ||
| Q2 24 | $4.0B | — |
自由现金流率AXPCNO
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | — | ||
| Q3 25 | 53.6% | — | ||
| Q2 25 | 36.3% | — | ||
| Q1 25 | 45.0% | — | ||
| Q4 24 | 53.1% | — | ||
| Q3 24 | -23.3% | — | ||
| Q2 24 | 40.4% | — |
资本支出强度AXPCNO
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | — | ||
| Q3 25 | 6.3% | — | ||
| Q2 25 | 6.0% | — | ||
| Q1 25 | 4.5% | — | ||
| Q4 24 | 5.0% | — | ||
| Q3 24 | 4.7% | — | ||
| Q2 24 | 5.8% | — |
现金转化率AXPCNO
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | 1.94× | ||
| Q3 25 | 2.15× | 8.56× | ||
| Q2 25 | 1.51× | 1.58× | ||
| Q1 25 | 1.84× | 9.98× | ||
| Q4 24 | 2.66× | 1.15× | ||
| Q3 24 | -0.72× | 24.86× | ||
| Q2 24 | 1.50× | 0.95× |
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
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
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% |
