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Cincinnati Financial（CINF）与费森尤斯医疗（FMS）财务数据对比。点击上方公司名可切换其他公司
费森尤斯医疗的季度营收约是Cincinnati Financial的1.9倍（$5.5B vs $2.8B），Cincinnati Financial净利率更高（9.6% vs 7.9%，领先1.6%），费森尤斯医疗同比增速更快（-0.3% vs -1.7%）
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。
费森尤斯医疗是德国知名医疗保健企业，核心业务为肾脏透析服务，在全球运营4171家门诊透析中心，服务约34.54万名患者。公司主要为终末期肾病患者提供治疗服务，该类患者需终身每周接受3次透析治疗以维持生命。
CINF vs FMS — 直观对比
营收规模更大
FMS
是对方的1.9倍
$2.8B
营收增速更快
FMS
高出1.4%
-1.7%
净利率更高
CINF
高出1.6%
7.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $5.5B |
| 净利润 | $274.0M | $434.2M |
| 毛利率 | — | 27.4% |
| 营业利润率 | — | 11.7% |
| 净利率 | 9.6% | 7.9% |
| 营收同比 | -1.7% | -0.3% |
| 净利润同比 | 404.4% | 240.4% |
| 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CINFFMS
| Q1 26 | $2.8B | — | ||
| Q4 25 | $3.1B | $5.5B | ||
| Q3 25 | $3.7B | — | ||
| Q2 25 | $3.2B | — | ||
| Q1 25 | $2.6B | — | ||
| Q4 24 | $2.5B | $5.5B | ||
| Q3 24 | $3.3B | — | ||
| Q2 24 | $2.5B | — |
净利润CINFFMS
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $434.2M | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $685.0M | — | ||
| Q1 25 | $-90.0M | — | ||
| Q4 24 | $405.0M | $127.6M | ||
| Q3 24 | $820.0M | — | ||
| Q2 24 | $312.0M | — |
毛利率CINFFMS
| Q1 26 | — | — | ||
| Q4 25 | — | 27.4% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.0% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
营业利润率CINFFMS
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 11.7% | ||
| Q3 25 | 37.9% | — | ||
| Q2 25 | 26.3% | — | ||
| Q1 25 | -5.0% | — | ||
| Q4 24 | 18.9% | 5.1% | ||
| Q3 24 | 31.3% | — | ||
| Q2 24 | 15.2% | — |
净利率CINFFMS
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | 7.9% | ||
| Q3 25 | 30.1% | — | ||
| Q2 25 | 21.1% | — | ||
| Q1 25 | -3.5% | — | ||
| Q4 24 | 16.0% | 2.3% | ||
| Q3 24 | 24.7% | — | ||
| Q2 24 | 12.3% | — |
每股收益（稀释后）CINFFMS
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | — | ||
| Q3 25 | $7.11 | — | ||
| Q2 25 | $4.34 | — | ||
| Q1 25 | $-0.57 | — | ||
| Q4 24 | $2.57 | — | ||
| Q3 24 | $5.20 | — | ||
| Q2 24 | $1.98 | — |
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 | $1.7B |
| 总债务越低越好 | $816.0M | — |
| 股东权益账面价值 | $15.7B | $15.4B |
| 总资产 | $41.2B | $33.5B |
| 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CINFFMS
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $1.7B | ||
| Q3 25 | $1.6B | — | ||
| Q2 25 | $1.1B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.3B | $1.3B | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $771.0M | — |
总债务CINFFMS
| Q1 26 | $816.0M | — | ||
| 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 | — |
股东权益CINFFMS
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $15.4B | ||
| Q3 25 | $15.4B | — | ||
| Q2 25 | $14.3B | — | ||
| Q1 25 | $13.7B | — | ||
| Q4 24 | $13.9B | $17.0B | ||
| Q3 24 | $13.8B | — | ||
| Q2 24 | $12.8B | — |
总资产CINFFMS
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $33.5B | ||
| Q3 25 | $40.6B | — | ||
| Q2 25 | $38.8B | — | ||
| Q1 25 | $37.3B | — | ||
| Q4 24 | $36.5B | $36.3B | ||
| Q3 24 | $37.0B | — | ||
| Q2 24 | $34.8B | — |
负债/权益比CINFFMS
| Q1 26 | 0.05× | — | ||
| 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× | — |
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 | — | $2.9B |
| 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 | — | 6.67× |
| 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CINFFMS
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $2.9B | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $741.0M | — | ||
| Q1 25 | $310.0M | — | ||
| Q4 24 | $642.0M | $2.6B | ||
| Q3 24 | $912.0M | — | ||
| Q2 24 | $742.0M | — |
自由现金流CINFFMS
| Q1 26 | — | — | ||
| 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 | — |
自由现金流率CINFFMS
| Q1 26 | — | — | ||
| 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% | — |
资本支出强度CINFFMS
| Q1 26 | — | — | ||
| 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% | — |
现金转化率CINFFMS
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 6.67× | ||
| Q3 25 | 0.99× | — | ||
| Q2 25 | 1.08× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.59× | 20.20× | ||
| Q3 24 | 1.11× | — | ||
| Q2 24 | 2.38× | — |
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% |
FMS
暂无分部数据
