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Cincinnati Financial（CINF）与RYDER SYSTEM INC（R）财务数据对比。点击上方公司名可切换其他公司
RYDER SYSTEM INC的季度营收约是Cincinnati Financial的1.1倍（$3.1B vs $2.8B），Cincinnati Financial净利率更高（9.6% vs 3.0%，领先6.6%），RYDER SYSTEM INC同比增速更快（1.0% vs -1.7%），过去两年Cincinnati Financial的营收复合增速更高（5.2% vs -0.9%）
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。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
CINF vs R — 直观对比
营收规模更大
R
是对方的1.1倍
$2.8B
营收增速更快
R
高出2.7%
-1.7%
净利率更高
CINF
高出6.6%
3.0%
两年增速更快
CINF
近两年复合增速
-0.9%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $3.1B |
| 净利润 | $274.0M | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 9.6% | 3.0% |
| 营收同比 | -1.7% | 1.0% |
| 净利润同比 | — | -5.1% |
| 每股收益（稀释后） | — | $2.34 |
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CINFR
| Q1 26 | $2.8B | $3.1B | ||
| Q4 25 | $3.1B | $3.2B | ||
| Q3 25 | $3.7B | $3.2B | ||
| Q2 25 | $3.2B | $3.2B | ||
| Q1 25 | $2.6B | $3.1B | ||
| Q4 24 | $2.5B | $3.2B | ||
| Q3 24 | $3.3B | $3.2B | ||
| Q2 24 | $2.5B | $3.2B |
净利润CINFR
| Q1 26 | $274.0M | $93.0M | ||
| Q4 25 | $676.0M | $132.0M | ||
| Q3 25 | $1.1B | $138.0M | ||
| Q2 25 | $685.0M | $131.0M | ||
| Q1 25 | $-90.0M | $98.0M | ||
| Q4 24 | $405.0M | $135.0M | ||
| Q3 24 | $820.0M | $142.0M | ||
| Q2 24 | $312.0M | $127.0M |
营业利润率CINFR
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 5.6% | ||
| Q3 25 | 37.9% | 6.0% | ||
| Q2 25 | 26.3% | 5.8% | ||
| Q1 25 | -5.0% | 4.3% | ||
| Q4 24 | 18.9% | 5.7% | ||
| Q3 24 | 31.3% | 5.9% | ||
| Q2 24 | 15.2% | 5.6% |
净利率CINFR
| Q1 26 | 9.6% | 3.0% | ||
| Q4 25 | 21.9% | 4.2% | ||
| Q3 25 | 30.1% | 4.4% | ||
| Q2 25 | 21.1% | 4.1% | ||
| Q1 25 | -3.5% | 3.1% | ||
| Q4 24 | 16.0% | 4.2% | ||
| Q3 24 | 24.7% | 4.5% | ||
| Q2 24 | 12.3% | 4.0% |
每股收益（稀释后）CINFR
| Q1 26 | — | $2.34 | ||
| Q4 25 | $4.29 | $3.22 | ||
| Q3 25 | $7.11 | $3.32 | ||
| Q2 25 | $4.34 | $3.13 | ||
| Q1 25 | $-0.57 | $2.27 | ||
| Q4 24 | $2.57 | $3.09 | ||
| Q3 24 | $5.20 | $3.24 | ||
| Q2 24 | $1.98 | $2.84 |
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 | $182.0M |
| 总债务越低越好 | $816.0M | — |
| 股东权益账面价值 | $15.7B | $2.9B |
| 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CINFR
| Q1 26 | $1.2B | $182.0M | ||
| Q4 25 | $148.0M | $198.0M | ||
| Q3 25 | $1.6B | $189.0M | ||
| Q2 25 | $1.1B | $180.0M | ||
| Q1 25 | $1.1B | $151.0M | ||
| Q4 24 | $1.3B | $154.0M | ||
| Q3 24 | $1.8B | $162.0M | ||
| Q2 24 | $771.0M | $164.0M |
总债务CINFR
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | $6.8B | ||
| Q3 25 | $858.0M | $7.3B | ||
| Q2 25 | $859.0M | $7.0B | ||
| Q1 25 | $853.0M | $6.7B | ||
| Q4 24 | $850.0M | $6.7B | ||
| Q3 24 | $849.0M | $6.6B | ||
| Q2 24 | $849.0M | $6.5B |
股东权益CINFR
| Q1 26 | $15.7B | $2.9B | ||
| Q4 25 | $15.9B | $3.1B | ||
| Q3 25 | $15.4B | $3.1B | ||
| Q2 25 | $14.3B | $3.1B | ||
| Q1 25 | $13.7B | $3.0B | ||
| Q4 24 | $13.9B | $3.1B | ||
| Q3 24 | $13.8B | $3.1B | ||
| Q2 24 | $12.8B | $3.1B |
总资产CINFR
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $16.4B | ||
| Q3 25 | $40.6B | $16.5B | ||
| Q2 25 | $38.8B | $16.5B | ||
| Q1 25 | $37.3B | $16.4B | ||
| Q4 24 | $36.5B | $16.7B | ||
| Q3 24 | $37.0B | $16.5B | ||
| Q2 24 | $34.8B | $16.4B |
负债/权益比CINFR
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | 2.24× | ||
| Q3 25 | 0.06× | 2.35× | ||
| Q2 25 | 0.06× | 2.27× | ||
| Q1 25 | 0.06× | 2.21× | ||
| Q4 24 | 0.06× | 2.14× | ||
| Q3 24 | 0.06× | 2.17× | ||
| Q2 24 | 0.07× | 2.09× |
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 | — | $583.0M |
| 自由现金流经营现金流 - 资本支出 | — | $273.0M |
| 自由现金流率自由现金流/营收 | — | 8.7% |
| 资本支出强度资本支出/营收 | — | 13.7% |
| 现金转化率经营现金流/净利润 | — | 6.27× |
| 过去12个月自由现金流最近4个季度 | — | $595.0M |
8季度趋势，按日历期对齐
经营现金流CINFR
| Q1 26 | — | $583.0M | ||
| Q4 25 | $947.0M | $749.0M | ||
| Q3 25 | $1.1B | $442.0M | ||
| Q2 25 | $741.0M | $752.0M | ||
| Q1 25 | $310.0M | $651.0M | ||
| Q4 24 | $642.0M | $558.0M | ||
| Q3 24 | $912.0M | $629.0M | ||
| Q2 24 | $742.0M | $552.0M |
自由现金流CINFR
| Q1 26 | — | $273.0M | ||
| Q4 25 | $939.0M | $344.0M | ||
| Q3 25 | $1.1B | $-85.0M | ||
| Q2 25 | $737.0M | $63.0M | ||
| Q1 25 | $307.0M | $137.0M | ||
| Q4 24 | $638.0M | $-201.0M | ||
| Q3 24 | $906.0M | $30.0M | ||
| Q2 24 | $737.0M | $-87.0M |
自由现金流率CINFR
| Q1 26 | — | 8.7% | ||
| Q4 25 | 30.4% | 10.8% | ||
| Q3 25 | 29.8% | -2.7% | ||
| Q2 25 | 22.7% | 2.0% | ||
| Q1 25 | 12.0% | 4.4% | ||
| Q4 24 | 25.1% | -6.3% | ||
| Q3 24 | 27.3% | 0.9% | ||
| Q2 24 | 29.0% | -2.7% |
资本支出强度CINFR
| Q1 26 | — | 13.7% | ||
| Q4 25 | 0.3% | 12.8% | ||
| Q3 25 | 0.1% | 16.6% | ||
| Q2 25 | 0.1% | 21.6% | ||
| Q1 25 | 0.1% | 16.4% | ||
| Q4 24 | 0.2% | 23.8% | ||
| Q3 24 | 0.2% | 18.9% | ||
| Q2 24 | 0.2% | 20.1% |
现金转化率CINFR
| Q1 26 | — | 6.27× | ||
| Q4 25 | 1.40× | 5.67× | ||
| Q3 25 | 0.99× | 3.20× | ||
| Q2 25 | 1.08× | 5.74× | ||
| Q1 25 | — | 6.64× | ||
| Q4 24 | 1.59× | 4.13× | ||
| Q3 24 | 1.11× | 4.43× | ||
| Q2 24 | 2.38× | 4.35× |
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
暂无分部数据
R
| Fleet Management Solutions | $1.5B | 47% |
| ChoiceLease | $878.0M | 28% |
| Dedicated Transportation Solutions | $553.0M | 18% |
| Commercial rental | $211.0M | 7% |
