vs
Cincinnati Financial（CINF）与CONSTELLIUM SE（CSTM）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CONSTELLIUM SE的1.3倍（$2.8B vs $2.2B），Cincinnati Financial净利率更高（9.6% vs 5.1%，领先4.5%）
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。
康士励（Constellium SE）是一家源自美瑞、总部位于法国的全球铝制品制造商，主营各类先进合金制成的铝轧制产品、挤压材及结构件，旗下C-TEC研发中心在先进铝合金技术研发领域成果斐然，核心服务航空航天、汽车、包装三大领域，客户涵盖梅赛德斯-奔驰、奥迪、宝马、福特、空客、波音等知名企业。
CINF vs CSTM — 直观对比
营收规模更大
CINF
是对方的1.3倍
$2.2B
净利率更高
CINF
高出4.5%
5.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $2.2B |
| 净利润 | $274.0M | $112.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 7.5% |
| 净利率 | 9.6% | 5.1% |
| 营收同比 | -1.7% | — |
| 净利润同比 | 404.4% | — |
| 每股收益（稀释后） | — | $0.79 |
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CINFCSTM
| Q1 26 | $2.8B | — | ||
| Q4 25 | $3.1B | $2.2B | ||
| Q3 25 | $3.7B | $2.2B | ||
| Q2 25 | $3.2B | $2.1B | ||
| Q1 25 | $2.6B | $2.0B | ||
| Q4 24 | $2.5B | — | ||
| Q3 24 | $3.3B | — | ||
| Q2 24 | $2.5B | $1.9B |
净利润CINFCSTM
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $112.0M | ||
| Q3 25 | $1.1B | $88.0M | ||
| Q2 25 | $685.0M | $36.0M | ||
| Q1 25 | $-90.0M | $37.0M | ||
| Q4 24 | $405.0M | — | ||
| Q3 24 | $820.0M | — | ||
| Q2 24 | $312.0M | $76.0M |
营业利润率CINFCSTM
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 7.5% | ||
| Q3 25 | 37.9% | 5.8% | ||
| Q2 25 | 26.3% | 2.7% | ||
| Q1 25 | -5.0% | 3.1% | ||
| Q4 24 | 18.9% | — | ||
| Q3 24 | 31.3% | — | ||
| Q2 24 | 15.2% | 5.4% |
净利率CINFCSTM
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | 5.1% | ||
| Q3 25 | 30.1% | 4.1% | ||
| Q2 25 | 21.1% | 1.7% | ||
| Q1 25 | -3.5% | 1.9% | ||
| Q4 24 | 16.0% | — | ||
| Q3 24 | 24.7% | — | ||
| Q2 24 | 12.3% | 3.9% |
每股收益（稀释后）CINFCSTM
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $0.79 | ||
| Q3 25 | $7.11 | $0.62 | ||
| Q2 25 | $4.34 | $0.25 | ||
| Q1 25 | $-0.57 | $0.26 | ||
| Q4 24 | $2.57 | — | ||
| Q3 24 | $5.20 | — | ||
| Q2 24 | $1.98 | $0.51 |
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 | $120.0M |
| 总债务越低越好 | $816.0M | $1.9B |
| 股东权益账面价值 | $15.7B | $952.0M |
| 总资产 | $41.2B | $5.4B |
| 负债/权益比越低杠杆越低 | 0.05× | 2.00× |
8季度趋势，按日历期对齐
现金及短期投资CINFCSTM
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $120.0M | ||
| Q3 25 | $1.6B | $122.0M | ||
| Q2 25 | $1.1B | $133.0M | ||
| Q1 25 | $1.1B | $118.0M | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $771.0M | — |
总债务CINFCSTM
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | $1.9B | ||
| Q3 25 | $858.0M | $2.0B | ||
| Q2 25 | $859.0M | $2.0B | ||
| Q1 25 | $853.0M | $1.9B | ||
| Q4 24 | $850.0M | — | ||
| Q3 24 | $849.0M | — | ||
| Q2 24 | $849.0M | — |
股东权益CINFCSTM
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $952.0M | ||
| Q3 25 | $15.4B | $845.0M | ||
| Q2 25 | $14.3B | $780.0M | ||
| Q1 25 | $13.7B | $745.0M | ||
| Q4 24 | $13.9B | — | ||
| Q3 24 | $13.8B | — | ||
| Q2 24 | $12.8B | $796.0M |
总资产CINFCSTM
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $5.4B | ||
| Q3 25 | $40.6B | $5.4B | ||
| Q2 25 | $38.8B | $5.4B | ||
| Q1 25 | $37.3B | $5.2B | ||
| Q4 24 | $36.5B | — | ||
| Q3 24 | $37.0B | — | ||
| Q2 24 | $34.8B | — |
负债/权益比CINFCSTM
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | 2.00× | ||
| Q3 25 | 0.06× | 2.34× | ||
| Q2 25 | 0.06× | 2.53× | ||
| Q1 25 | 0.06× | 2.56× | ||
| Q4 24 | 0.06× | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 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 | — | $218.0M |
| 自由现金流经营现金流 - 资本支出 | — | $109.0M |
| 自由现金流率自由现金流/营收 | — | 5.0% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | — | 1.95× |
| 过去12个月自由现金流最近4个季度 | — | $159.0M |
8季度趋势，按日历期对齐
经营现金流CINFCSTM
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $218.0M | ||
| Q3 25 | $1.1B | $99.0M | ||
| Q2 25 | $741.0M | $114.0M | ||
| Q1 25 | $310.0M | $58.0M | ||
| Q4 24 | $642.0M | — | ||
| Q3 24 | $912.0M | — | ||
| Q2 24 | $742.0M | $138.0M |
自由现金流CINFCSTM
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $109.0M | ||
| Q3 25 | $1.1B | $24.0M | ||
| Q2 25 | $737.0M | $37.0M | ||
| Q1 25 | $307.0M | $-11.0M | ||
| Q4 24 | $638.0M | — | ||
| Q3 24 | $906.0M | — | ||
| Q2 24 | $737.0M | $54.0M |
自由现金流率CINFCSTM
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | 5.0% | ||
| Q3 25 | 29.8% | 1.1% | ||
| Q2 25 | 22.7% | 1.8% | ||
| Q1 25 | 12.0% | -0.6% | ||
| Q4 24 | 25.1% | — | ||
| Q3 24 | 27.3% | — | ||
| Q2 24 | 29.0% | 2.8% |
资本支出强度CINFCSTM
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 5.0% | ||
| Q3 25 | 0.1% | 3.5% | ||
| Q2 25 | 0.1% | 3.7% | ||
| Q1 25 | 0.1% | 3.5% | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.2% | 4.3% |
现金转化率CINFCSTM
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 1.95× | ||
| Q3 25 | 0.99× | 1.13× | ||
| Q2 25 | 1.08× | 3.17× | ||
| Q1 25 | — | 1.57× | ||
| Q4 24 | 1.59× | — | ||
| Q3 24 | 1.11× | — | ||
| Q2 24 | 2.38× | 1.82× |
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% |
CSTM
| Packaging Rolled Products | $1.0B | 46% |
| Automotive Rolled Products | $318.0M | 14% |
| Aerospace Rolled Products | $270.0M | 12% |
| Transportation Industry Defense And Other Rolled Products | $232.0M | 11% |
| Automotive Extruded Products | $220.0M | 10% |
| Other Extruded Products | $132.0M | 6% |
| Specialty And Other Thin Rolled Products | $22.0M | 1% |
