vs
Cincinnati Financial（CINF）与Globe Life（GL）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Globe Life的1.8倍（$2.8B vs $1.6B），Globe Life净利率更高（17.3% vs 9.6%，领先7.8%），Globe Life同比增速更快（5.3% vs -1.7%），过去两年Cincinnati Financial的营收复合增速更高（5.2% vs 4.1%）
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。
Globe Life Inc.（股票代码：GL）是总部位于美国得克萨斯州麦金尼的金融服务控股公司，在纽约证券交易所上市，通过旗下全资子公司开展业务，主营人寿保险、年金产品及补充健康保险产品。
CINF vs GL — 直观对比
营收规模更大
CINF
是对方的1.8倍
$1.6B
营收增速更快
GL
高出7.1%
-1.7%
净利率更高
GL
高出7.8%
9.6%
两年增速更快
CINF
近两年复合增速
4.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $1.6B |
| 净利润 | $274.0M | $270.5M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 9.6% | 17.3% |
| 营收同比 | -1.7% | 5.3% |
| 净利润同比 | 404.4% | 6.3% |
| 每股收益（稀释后） | — | $3.39 |
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CINFGL
| Q1 26 | $2.8B | $1.6B | ||
| Q4 25 | $3.1B | $1.5B | ||
| Q3 25 | $3.7B | $1.5B | ||
| Q2 25 | $3.2B | $1.5B | ||
| Q1 25 | $2.6B | $1.5B | ||
| Q4 24 | $2.5B | $1.5B | ||
| Q3 24 | $3.3B | $1.5B | ||
| Q2 24 | $2.5B | $1.4B |
净利润CINFGL
| Q1 26 | $274.0M | $270.5M | ||
| Q4 25 | $676.0M | $266.1M | ||
| Q3 25 | $1.1B | $387.8M | ||
| Q2 25 | $685.0M | $252.7M | ||
| Q1 25 | $-90.0M | $254.6M | ||
| Q4 24 | $405.0M | $255.2M | ||
| Q3 24 | $820.0M | $303.0M | ||
| Q2 24 | $312.0M | $258.4M |
毛利率CINFGL
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 26.1% | ||
| Q2 24 | — | 23.3% |
营业利润率CINFGL
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 21.7% | ||
| Q3 25 | 37.9% | 31.5% | ||
| Q2 25 | 26.3% | 21.2% | ||
| Q1 25 | -5.0% | 21.4% | ||
| Q4 24 | 18.9% | 21.3% | ||
| Q3 24 | 31.3% | 26.3% | ||
| Q2 24 | 15.2% | 23.5% |
净利率CINFGL
| Q1 26 | 9.6% | 17.3% | ||
| Q4 25 | 21.9% | 17.5% | ||
| Q3 25 | 30.1% | 25.6% | ||
| Q2 25 | 21.1% | 17.1% | ||
| Q1 25 | -3.5% | 17.2% | ||
| Q4 24 | 16.0% | 17.4% | ||
| Q3 24 | 24.7% | 20.8% | ||
| Q2 24 | 12.3% | 17.9% |
每股收益（稀释后）CINFGL
| Q1 26 | — | $3.39 | ||
| Q4 25 | $4.29 | $3.28 | ||
| Q3 25 | $7.11 | $4.73 | ||
| Q2 25 | $4.34 | $3.05 | ||
| Q1 25 | $-0.57 | $3.01 | ||
| Q4 24 | $2.57 | $3.00 | ||
| Q3 24 | $5.20 | $3.44 | ||
| Q2 24 | $1.98 | $2.83 |
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 | $183.8M |
| 总债务越低越好 | $816.0M | — |
| 股东权益账面价值 | $15.7B | $6.1B |
| 总资产 | $41.2B | — |
| 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CINFGL
| Q1 26 | $1.2B | $183.8M | ||
| Q4 25 | $148.0M | $314.7M | ||
| Q3 25 | $1.6B | $62.8M | ||
| Q2 25 | $1.1B | $116.7M | ||
| Q1 25 | $1.1B | $134.1M | ||
| Q4 24 | $1.3B | $85.0M | ||
| Q3 24 | $1.8B | $100.5M | ||
| Q2 24 | $771.0M | $100.6M |
总债务CINFGL
| 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CINFGL
| Q1 26 | $15.7B | $6.1B | ||
| Q4 25 | $15.9B | $6.0B | ||
| Q3 25 | $15.4B | $5.7B | ||
| Q2 25 | $14.3B | $5.4B | ||
| Q1 25 | $13.7B | $5.4B | ||
| Q4 24 | $13.9B | $5.3B | ||
| Q3 24 | $13.8B | $4.6B | ||
| Q2 24 | $12.8B | $5.2B |
总资产CINFGL
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $30.8B | ||
| Q3 25 | $40.6B | $30.5B | ||
| Q2 25 | $38.8B | $29.8B | ||
| Q1 25 | $37.3B | $29.7B | ||
| Q4 24 | $36.5B | $29.1B | ||
| Q3 24 | $37.0B | $29.6B | ||
| Q2 24 | $34.8B | $28.3B |
负债/权益比CINFGL
| 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× | — |
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% |
GL
| Life premium | $853.2M | 55% |
| Health premium | $416.9M | 27% |
| Other | $289.5M | 19% |
