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Cincinnati Financial（CINF）与Kinsale Capital Group, Inc.（KNSL）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Kinsale Capital Group, Inc.的6.6倍（$3.1B vs $466.7M）。Kinsale Capital Group, Inc.净利率更高（24.1% vs 21.9%，领先2.2%）。Cincinnati Financial同比增速更快（21.8% vs 10.2%）。过去两年Kinsale Capital Group, Inc.的营收复合增速更高（10.2% vs 2.6%）
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。
旗星银行是一家总部位于纽约希克斯维尔的美国区域性金融服务公司，截至2023年共运营395家分支机构，并于2024年2月21日完成了全网点品牌统一，所有分支机构统一使用旗星品牌运营。
CINF vs KNSL — 直观对比
营收规模更大
CINF
是对方的6.6倍
$466.7M
营收增速更快
CINF
高出11.6%
10.2%
净利率更高
KNSL
高出2.2%
21.9%
两年增速更快
KNSL
近两年复合增速
2.6%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $3.1B | $466.7M |
| 净利润 | $676.0M | $112.6M |
| 毛利率 | — | — |
| 营业利润率 | 27.2% | — |
| 净利率 | 21.9% | 24.1% |
| 营收同比 | 21.8% | 10.2% |
| 净利润同比 | 66.9% | 26.1% |
| 每股收益（稀释后） | $4.29 | $4.88 |
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CINFKNSL
| Q1 26 | — | $466.7M | ||
| Q4 25 | $3.1B | $483.3M | ||
| Q3 25 | $3.7B | $497.5M | ||
| Q2 25 | $3.2B | $469.8M | ||
| Q1 25 | $2.6B | $423.4M | ||
| Q4 24 | $2.5B | $412.1M | ||
| Q3 24 | $3.3B | $418.1M | ||
| Q2 24 | $2.5B | $384.6M |
净利润CINFKNSL
| Q1 26 | — | $112.6M | ||
| Q4 25 | $676.0M | $138.6M | ||
| Q3 25 | $1.1B | $141.6M | ||
| Q2 25 | $685.0M | $134.1M | ||
| Q1 25 | $-90.0M | $89.2M | ||
| Q4 24 | $405.0M | $109.1M | ||
| Q3 24 | $820.0M | $114.2M | ||
| Q2 24 | $312.0M | $92.6M |
营业利润率CINFKNSL
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 36.2% | ||
| Q3 25 | 37.9% | 36.0% | ||
| Q2 25 | 26.3% | 35.8% | ||
| Q1 25 | -5.0% | 26.5% | ||
| Q4 24 | 18.9% | 33.6% | ||
| Q3 24 | 31.3% | 34.5% | ||
| Q2 24 | 15.2% | 30.1% |
净利率CINFKNSL
| Q1 26 | — | 24.1% | ||
| Q4 25 | 21.9% | 28.7% | ||
| Q3 25 | 30.1% | 28.5% | ||
| Q2 25 | 21.1% | 28.5% | ||
| Q1 25 | -3.5% | 21.1% | ||
| Q4 24 | 16.0% | 26.5% | ||
| Q3 24 | 24.7% | 27.3% | ||
| Q2 24 | 12.3% | 24.1% |
每股收益（稀释后）CINFKNSL
| Q1 26 | — | $4.88 | ||
| Q4 25 | $4.29 | $5.97 | ||
| Q3 25 | $7.11 | $6.09 | ||
| Q2 25 | $4.34 | $5.76 | ||
| Q1 25 | $-0.57 | $3.83 | ||
| Q4 24 | $2.57 | $4.67 | ||
| Q3 24 | $5.20 | $4.90 | ||
| Q2 24 | $1.98 | $3.97 |
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 | $148.0M | $223.3M |
| 总债务越低越好 | $861.0M | — |
| 股东权益账面价值 | $15.9B | $2.0B |
| 总资产 | $41.0B | $6.2B |
| 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CINFKNSL
| Q1 26 | — | $223.3M | ||
| Q4 25 | $148.0M | — | ||
| Q3 25 | $1.6B | $170.2M | ||
| Q2 25 | $1.1B | $138.1M | ||
| Q1 25 | $1.1B | $142.0M | ||
| Q4 24 | $1.3B | $113.2M | ||
| Q3 24 | $1.8B | $111.7M | ||
| Q2 24 | $771.0M | $171.0M |
总债务CINFKNSL
| Q1 26 | — | — | ||
| Q4 25 | $861.0M | $224.4M | ||
| Q3 25 | $858.0M | $199.3M | ||
| Q2 25 | $859.0M | $184.3M | ||
| Q1 25 | $853.0M | $184.2M | ||
| Q4 24 | $850.0M | $184.1M | ||
| Q3 24 | $849.0M | $184.1M | ||
| Q2 24 | $849.0M | $184.0M |
股东权益CINFKNSL
| Q1 26 | — | $2.0B | ||
| Q4 25 | $15.9B | $2.0B | ||
| Q3 25 | $15.4B | $1.9B | ||
| Q2 25 | $14.3B | $1.7B | ||
| Q1 25 | $13.7B | $1.6B | ||
| Q4 24 | $13.9B | $1.5B | ||
| Q3 24 | $13.8B | $1.4B | ||
| Q2 24 | $12.8B | $1.3B |
总资产CINFKNSL
| Q1 26 | — | $6.2B | ||
| Q4 25 | $41.0B | $6.0B | ||
| Q3 25 | $40.6B | $5.8B | ||
| Q2 25 | $38.8B | $5.6B | ||
| Q1 25 | $37.3B | $5.2B | ||
| Q4 24 | $36.5B | $4.9B | ||
| Q3 24 | $37.0B | $4.7B | ||
| Q2 24 | $34.8B | $4.4B |
负债/权益比CINFKNSL
| Q1 26 | — | — | ||
| Q4 25 | 0.05× | 0.11× | ||
| Q3 25 | 0.06× | 0.11× | ||
| Q2 25 | 0.06× | 0.11× | ||
| Q1 25 | 0.06× | 0.12× | ||
| Q4 24 | 0.06× | 0.12× | ||
| Q3 24 | 0.06× | 0.13× | ||
| Q2 24 | 0.07× | 0.15× |
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 | $947.0M | — |
| 自由现金流经营现金流 - 资本支出 | $939.0M | — |
| 自由现金流率自由现金流/营收 | 30.4% | — |
| 资本支出强度资本支出/营收 | 0.3% | — |
| 现金转化率经营现金流/净利润 | 1.40× | — |
| 过去12个月自由现金流最近4个季度 | $3.1B | — |
8季度趋势，按日历期对齐
经营现金流CINFKNSL
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $241.4M | ||
| Q3 25 | $1.1B | $303.5M | ||
| Q2 25 | $741.0M | $269.1M | ||
| Q1 25 | $310.0M | $229.8M | ||
| Q4 24 | $642.0M | $213.0M | ||
| Q3 24 | $912.0M | $274.0M | ||
| Q2 24 | $742.0M | $278.9M |
自由现金流CINFKNSL
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $230.8M | ||
| Q3 25 | $1.1B | $289.5M | ||
| Q2 25 | $737.0M | $252.1M | ||
| Q1 25 | $307.0M | $217.6M | ||
| Q4 24 | $638.0M | $202.2M | ||
| Q3 24 | $906.0M | $268.2M | ||
| Q2 24 | $737.0M | $275.1M |
自由现金流率CINFKNSL
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | 47.8% | ||
| Q3 25 | 29.8% | 58.2% | ||
| Q2 25 | 22.7% | 53.7% | ||
| Q1 25 | 12.0% | 51.4% | ||
| Q4 24 | 25.1% | 49.1% | ||
| Q3 24 | 27.3% | 64.2% | ||
| Q2 24 | 29.0% | 71.5% |
资本支出强度CINFKNSL
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 2.2% | ||
| Q3 25 | 0.1% | 2.8% | ||
| Q2 25 | 0.1% | 3.6% | ||
| Q1 25 | 0.1% | 2.9% | ||
| Q4 24 | 0.2% | 2.6% | ||
| Q3 24 | 0.2% | 1.4% | ||
| Q2 24 | 0.2% | 1.0% |
现金转化率CINFKNSL
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 1.74× | ||
| Q3 25 | 0.99× | 2.14× | ||
| Q2 25 | 1.08× | 2.01× | ||
| Q1 25 | — | 2.58× | ||
| Q4 24 | 1.59× | 1.95× | ||
| Q3 24 | 1.11× | 2.40× | ||
| Q2 24 | 2.38× | 3.01× |
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
| Commercial Lines Insurance | $1.2B | 40% |
| Personal Lines Insurance | $860.0M | 28% |
| Investment Segment Of CINF | $488.0M | 16% |
| Other | $224.0M | 7% |
| Excessand Surplus Lines Insurance | $189.0M | 6% |
| Life Insurance | $86.0M | 3% |
KNSL
暂无分部数据
