vs
Cincinnati Financial（CINF）与CLEVELAND-CLIFFS INC.（CLF）财务数据对比。点击上方公司名可切换其他公司
CLEVELAND-CLIFFS INC.的季度营收约是Cincinnati Financial的1.5倍（$4.3B vs $2.8B），Cincinnati Financial净利率更高（9.6% vs -5.6%，领先15.2%），CLEVELAND-CLIFFS INC.同比增速更快（-0.3% vs -1.7%），过去两年Cincinnati Financial的营收复合增速更高（5.2% vs -8.9%）
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。
克利夫兰-克利夫斯公司是总部位于美国俄亥俄州克利夫兰的钢铁制造商，业务覆盖铁矿石开采、选矿、造球及钢铁冶炼，包含冲压与模具制造，是美国第二大钢铁生产商、北美最大扁钢生产商，位列财富500强第221位、福布斯全球2000强第1511位。
CINF vs CLF — 直观对比
营收规模更大
CLF
是对方的1.5倍
$2.8B
营收增速更快
CLF
高出1.5%
-1.7%
净利率更高
CINF
高出15.2%
-5.6%
两年增速更快
CINF
近两年复合增速
-8.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $4.3B |
| 净利润 | $274.0M | $-241.0M |
| 毛利率 | — | -5.0% |
| 营业利润率 | — | -7.9% |
| 净利率 | 9.6% | -5.6% |
| 营收同比 | -1.7% | -0.3% |
| 净利润同比 | 404.4% | 46.1% |
| 每股收益（稀释后） | — | — |
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CINFCLF
| Q1 26 | $2.8B | — | ||
| Q4 25 | $3.1B | $4.3B | ||
| Q3 25 | $3.7B | $4.7B | ||
| Q2 25 | $3.2B | $4.9B | ||
| Q1 25 | $2.6B | $4.6B | ||
| Q4 24 | $2.5B | $4.3B | ||
| Q3 24 | $3.3B | $4.6B | ||
| Q2 24 | $2.5B | $5.1B |
净利润CINFCLF
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $-241.0M | ||
| Q3 25 | $1.1B | $-251.0M | ||
| Q2 25 | $685.0M | $-470.0M | ||
| Q1 25 | $-90.0M | $-483.0M | ||
| Q4 24 | $405.0M | $-447.0M | ||
| Q3 24 | $820.0M | $-242.0M | ||
| Q2 24 | $312.0M | $2.0M |
毛利率CINFCLF
| Q1 26 | — | — | ||
| Q4 25 | — | -5.0% | ||
| Q3 25 | — | -1.0% | ||
| Q2 25 | — | -4.2% | ||
| Q1 25 | — | -8.4% | ||
| Q4 24 | — | -6.3% | ||
| Q3 24 | — | -2.3% | ||
| Q2 24 | — | 3.2% |
营业利润率CINFCLF
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | -7.9% | ||
| Q3 25 | 37.9% | -4.3% | ||
| Q2 25 | 26.3% | -10.1% | ||
| Q1 25 | -5.0% | -11.6% | ||
| Q4 24 | 18.9% | -10.8% | ||
| Q3 24 | 31.3% | -5.7% | ||
| Q2 24 | 15.2% | 0.1% |
净利率CINFCLF
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | -5.6% | ||
| Q3 25 | 30.1% | -5.3% | ||
| Q2 25 | 21.1% | -9.5% | ||
| Q1 25 | -3.5% | -10.4% | ||
| Q4 24 | 16.0% | -10.3% | ||
| Q3 24 | 24.7% | -5.3% | ||
| Q2 24 | 12.3% | 0.0% |
每股收益（稀释后）CINFCLF
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | — | ||
| Q3 25 | $7.11 | $-0.51 | ||
| Q2 25 | $4.34 | — | ||
| Q1 25 | $-0.57 | — | ||
| Q4 24 | $2.57 | $-0.91 | ||
| Q3 24 | $5.20 | $-0.52 | ||
| Q2 24 | $1.98 | $0.00 |
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 | $1.2B | $57.0M |
| 总债务越低越好 | $816.0M | $7.3B |
| 股东权益账面价值 | $15.7B | $6.1B |
| 总资产 | $41.2B | $20.0B |
| 负债/权益比越低杠杆越低 | 0.05× | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资CINFCLF
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $57.0M | ||
| Q3 25 | $1.6B | $66.0M | ||
| Q2 25 | $1.1B | $61.0M | ||
| Q1 25 | $1.1B | $57.0M | ||
| Q4 24 | $1.3B | $54.0M | ||
| Q3 24 | $1.8B | $39.0M | ||
| Q2 24 | $771.0M | $110.0M |
总债务CINFCLF
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | $7.3B | ||
| Q3 25 | $858.0M | $8.0B | ||
| Q2 25 | $859.0M | $7.7B | ||
| Q1 25 | $853.0M | $7.6B | ||
| Q4 24 | $850.0M | $7.1B | ||
| Q3 24 | $849.0M | $3.8B | ||
| Q2 24 | $849.0M | $3.5B |
股东权益CINFCLF
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $6.1B | ||
| Q3 25 | $15.4B | $5.5B | ||
| Q2 25 | $14.3B | $5.8B | ||
| Q1 25 | $13.7B | $6.3B | ||
| Q4 24 | $13.9B | $6.7B | ||
| Q3 24 | $13.8B | $6.9B | ||
| Q2 24 | $12.8B | $7.1B |
总资产CINFCLF
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $20.0B | ||
| Q3 25 | $40.6B | $20.3B | ||
| Q2 25 | $38.8B | $20.5B | ||
| Q1 25 | $37.3B | $20.8B | ||
| Q4 24 | $36.5B | $20.9B | ||
| Q3 24 | $37.0B | $16.8B | ||
| Q2 24 | $34.8B | $16.9B |
负债/权益比CINFCLF
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | 1.19× | ||
| Q3 25 | 0.06× | 1.47× | ||
| Q2 25 | 0.06× | 1.33× | ||
| Q1 25 | 0.06× | 1.22× | ||
| Q4 24 | 0.06× | 1.06× | ||
| Q3 24 | 0.06× | 0.55× | ||
| Q2 24 | 0.07× | 0.49× |
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 | — | $-13.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-153.0M |
| 自由现金流率自由现金流/营收 | — | -3.5% |
| 资本支出强度资本支出/营收 | — | 3.2% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-1.0B |
8季度趋势，按日历期对齐
经营现金流CINFCLF
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $-13.0M | ||
| Q3 25 | $1.1B | $-143.0M | ||
| Q2 25 | $741.0M | $45.0M | ||
| Q1 25 | $310.0M | $-351.0M | ||
| Q4 24 | $642.0M | $-472.0M | ||
| Q3 24 | $912.0M | $-84.0M | ||
| Q2 24 | $742.0M | $519.0M |
自由现金流CINFCLF
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $-153.0M | ||
| Q3 25 | $1.1B | $-300.0M | ||
| Q2 25 | $737.0M | $-67.0M | ||
| Q1 25 | $307.0M | $-503.0M | ||
| Q4 24 | $638.0M | $-677.0M | ||
| Q3 24 | $906.0M | $-235.0M | ||
| Q2 24 | $737.0M | $362.0M |
自由现金流率CINFCLF
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | -3.5% | ||
| Q3 25 | 29.8% | -6.3% | ||
| Q2 25 | 22.7% | -1.4% | ||
| Q1 25 | 12.0% | -10.9% | ||
| Q4 24 | 25.1% | -15.7% | ||
| Q3 24 | 27.3% | -5.1% | ||
| Q2 24 | 29.0% | 7.1% |
资本支出强度CINFCLF
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 3.2% | ||
| Q3 25 | 0.1% | 3.3% | ||
| Q2 25 | 0.1% | 2.3% | ||
| Q1 25 | 0.1% | 3.3% | ||
| Q4 24 | 0.2% | 4.7% | ||
| Q3 24 | 0.2% | 3.3% | ||
| Q2 24 | 0.2% | 3.1% |
现金转化率CINFCLF
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | — | ||
| Q3 25 | 0.99× | — | ||
| Q2 25 | 1.08× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.59× | — | ||
| Q3 24 | 1.11× | — | ||
| Q2 24 | 2.38× | 259.50× |
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
CINF
| Property casualty | $2.6B | 93% |
| Life | $105.0M | 4% |
| Other | $92.0M | 3% |
| Fee revenues | $1.0M | 0% |
CLF
| Hot Rolled Steel | $1.1B | 27% |
| Automotive | $1.1B | 27% |
| Steel Producers | $555.0M | 13% |
| Cold Rolled Steel | $530.0M | 12% |
| Other | $409.0M | 9% |
| Stainless And Electrical Steel | $404.0M | 9% |
| Other Businesses | $159.0M | 4% |
