vs
Cincinnati Financial（CINF）与大都会人寿（MET）财务数据对比。点击上方公司名可切换其他公司
Cincinnati Financial的季度营收约是大都会人寿的4.7倍（$2.8B vs $600.0M），大都会人寿净利率更高（134.8% vs 9.6%，领先125.3%），大都会人寿同比增速更快（7.9% vs -1.7%），过去两年Cincinnati Financial的营收复合增速更高（5.2% vs 2.0%）
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。
大都会人寿（MetLife）是全球规模领先的保险、年金及员工福利服务提供商之一，创立于1868年，业务覆盖超60个国家和地区，服务约9000万客户，2018年位列《财富》美国500强营收排行榜第43位。
CINF vs MET — 直观对比
营收规模更大
CINF
是对方的4.7倍
$600.0M
营收增速更快
MET
高出9.7%
-1.7%
净利率更高
MET
高出125.3%
9.6%
两年增速更快
CINF
近两年复合增速
2.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $600.0M |
| 净利润 | $274.0M | $809.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 9.6% | 134.8% |
| 营收同比 | -1.7% | 7.9% |
| 净利润同比 | 404.4% | -36.3% |
| 每股收益（稀释后） | — | $1.18 |
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CINFMET
| Q1 26 | $2.8B | — | ||
| Q4 25 | $3.1B | $600.0M | ||
| Q3 25 | $3.7B | $621.0M | ||
| Q2 25 | $3.2B | $604.0M | ||
| Q1 25 | $2.6B | $611.0M | ||
| Q4 24 | $2.5B | $556.0M | ||
| Q3 24 | $3.3B | $554.0M | ||
| Q2 24 | $2.5B | $558.0M |
净利润CINFMET
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $809.0M | ||
| Q3 25 | $1.1B | $896.0M | ||
| Q2 25 | $685.0M | $729.0M | ||
| Q1 25 | $-90.0M | $945.0M | ||
| Q4 24 | $405.0M | $1.3B | ||
| Q3 24 | $820.0M | $1.3B | ||
| Q2 24 | $312.0M | $946.0M |
营业利润率CINFMET
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | — | ||
| Q3 25 | 37.9% | — | ||
| Q2 25 | 26.3% | — | ||
| Q1 25 | -5.0% | — | ||
| Q4 24 | 18.9% | — | ||
| Q3 24 | 31.3% | — | ||
| Q2 24 | 15.2% | — |
净利率CINFMET
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | 134.8% | ||
| Q3 25 | 30.1% | 144.3% | ||
| Q2 25 | 21.1% | 120.7% | ||
| Q1 25 | -3.5% | 154.7% | ||
| Q4 24 | 16.0% | 228.6% | ||
| Q3 24 | 24.7% | 242.2% | ||
| Q2 24 | 12.3% | 169.5% |
每股收益（稀释后）CINFMET
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $1.18 | ||
| Q3 25 | $7.11 | $1.22 | ||
| Q2 25 | $4.34 | $1.03 | ||
| Q1 25 | $-0.57 | $1.28 | ||
| Q4 24 | $2.57 | $1.75 | ||
| Q3 24 | $5.20 | $1.81 | ||
| Q2 24 | $1.98 | $1.28 |
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 | $25.6B |
| 总债务越低越好 | $816.0M | — |
| 股东权益账面价值 | $15.7B | $28.4B |
| 总资产 | $41.2B | $745.2B |
| 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CINFMET
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $25.6B | ||
| Q3 25 | $1.6B | $26.2B | ||
| Q2 25 | $1.1B | $27.5B | ||
| Q1 25 | $1.1B | $26.9B | ||
| Q4 24 | $1.3B | $25.2B | ||
| Q3 24 | $1.8B | $26.4B | ||
| Q2 24 | $771.0M | $24.6B |
总债务CINFMET
| 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CINFMET
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $28.4B | ||
| Q3 25 | $15.4B | $28.9B | ||
| Q2 25 | $14.3B | $27.7B | ||
| Q1 25 | $13.7B | $27.5B | ||
| Q4 24 | $13.9B | $27.4B | ||
| Q3 24 | $13.8B | $30.9B | ||
| Q2 24 | $12.8B | $27.3B |
总资产CINFMET
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $745.2B | ||
| Q3 25 | $40.6B | $719.7B | ||
| Q2 25 | $38.8B | $702.5B | ||
| Q1 25 | $37.3B | $688.3B | ||
| Q4 24 | $36.5B | $677.5B | ||
| Q3 24 | $37.0B | $705.0B | ||
| Q2 24 | $34.8B | $675.7B |
负债/权益比CINFMET
| 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 | — | $7.1B |
| 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 | — | 8.75× |
| 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CINFMET
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $7.1B | ||
| Q3 25 | $1.1B | $3.6B | ||
| Q2 25 | $741.0M | $2.2B | ||
| Q1 25 | $310.0M | $4.3B | ||
| Q4 24 | $642.0M | $4.6B | ||
| Q3 24 | $912.0M | $4.2B | ||
| Q2 24 | $742.0M | $3.5B |
自由现金流CINFMET
| 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CINFMET
| 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CINFMET
| 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CINFMET
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 8.75× | ||
| Q3 25 | 0.99× | 3.98× | ||
| Q2 25 | 1.08× | 3.00× | ||
| Q1 25 | — | 4.51× | ||
| Q4 24 | 1.59× | 3.63× | ||
| Q3 24 | 1.11× | 3.11× | ||
| Q2 24 | 2.38× | 3.69× |
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% |
MET
| Other | $165.0M | 28% |
| Prepaidlegalplansandadministrativeonlycontracts | $158.0M | 26% |
| Vision Fee For Service Arrangements | $140.0M | 23% |
| Administrative Service | $76.0M | 13% |
| Distribution Service | $36.0M | 6% |
| Feebasedinvestmentmanagementservices | $25.0M | 4% |
