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Cincinnati Financial（CINF）与瑞思迈（RMD）财务数据对比。点击上方公司名可切换其他公司
Cincinnati Financial的季度营收约是瑞思迈的2.0倍（$2.8B vs $1.4B），瑞思迈净利率更高（27.6% vs 9.6%，领先18.0%），瑞思迈同比增速更快（11.0% vs -1.7%），过去两年瑞思迈的营收复合增速更高（9.0% vs 5.2%）
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。
瑞思迈是一家起源于澳大利亚、总部位于美国加利福尼亚州圣迭戈的医疗设备企业，主打可接入云端的呼吸类医疗设备，用于治疗睡眠呼吸暂停、慢性阻塞性肺病等呼吸道疾病，新冠疫情期间曾大量生产呼吸机等设备助力患者救治。
CINF vs RMD — 直观对比
营收规模更大
CINF
是对方的2.0倍
$1.4B
营收增速更快
RMD
高出12.7%
-1.7%
净利率更高
RMD
高出18.0%
9.6%
两年增速更快
RMD
近两年复合增速
5.2%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $1.4B |
| 净利润 | $274.0M | $392.6M |
| 毛利率 | — | 61.8% |
| 营业利润率 | — | 34.6% |
| 净利率 | 9.6% | 27.6% |
| 营收同比 | -1.7% | 11.0% |
| 净利润同比 | — | 13.9% |
| 每股收益（稀释后） | — | $2.68 |
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CINFRMD
| Q1 26 | $2.8B | — | ||
| Q4 25 | $3.1B | $1.4B | ||
| Q3 25 | $3.7B | $1.3B | ||
| Q2 25 | $3.2B | $1.3B | ||
| Q1 25 | $2.6B | $1.3B | ||
| Q4 24 | $2.5B | $1.3B | ||
| Q3 24 | $3.3B | $1.2B | ||
| Q2 24 | $2.5B | $1.2B |
净利润CINFRMD
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $392.6M | ||
| Q3 25 | $1.1B | $348.5M | ||
| Q2 25 | $685.0M | $379.7M | ||
| Q1 25 | $-90.0M | $365.0M | ||
| Q4 24 | $405.0M | $344.6M | ||
| Q3 24 | $820.0M | $311.4M | ||
| Q2 24 | $312.0M | $292.2M |
毛利率CINFRMD
| Q1 26 | — | — | ||
| Q4 25 | — | 61.8% | ||
| Q3 25 | — | 61.5% | ||
| Q2 25 | — | 60.8% | ||
| Q1 25 | — | 59.3% | ||
| Q4 24 | — | 58.6% | ||
| Q3 24 | — | 58.6% | ||
| Q2 24 | — | 58.5% |
营业利润率CINFRMD
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 34.6% | ||
| Q3 25 | 37.9% | 33.4% | ||
| Q2 25 | 26.3% | 33.7% | ||
| Q1 25 | -5.0% | 33.0% | ||
| Q4 24 | 18.9% | 32.5% | ||
| Q3 24 | 31.3% | 31.6% | ||
| Q2 24 | 15.2% | 31.2% |
净利率CINFRMD
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | 27.6% | ||
| Q3 25 | 30.1% | 26.1% | ||
| Q2 25 | 21.1% | 28.2% | ||
| Q1 25 | -3.5% | 28.3% | ||
| Q4 24 | 16.0% | 26.9% | ||
| Q3 24 | 24.7% | 25.4% | ||
| Q2 24 | 12.3% | 23.9% |
每股收益（稀释后）CINFRMD
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $2.68 | ||
| Q3 25 | $7.11 | $2.37 | ||
| Q2 25 | $4.34 | $2.58 | ||
| Q1 25 | $-0.57 | $2.48 | ||
| Q4 24 | $2.57 | $2.34 | ||
| Q3 24 | $5.20 | $2.11 | ||
| Q2 24 | $1.98 | $1.97 |
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 | $1.2B | $1.4B |
| 总债务越低越好 | $816.0M | $403.9M |
| 股东权益账面价值 | $15.7B | $6.3B |
| 总资产 | $41.2B | $8.5B |
| 负债/权益比越低杠杆越低 | 0.05× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资CINFRMD
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $1.4B | ||
| Q3 25 | $1.6B | $1.4B | ||
| Q2 25 | $1.1B | $1.2B | ||
| Q1 25 | $1.1B | $932.7M | ||
| Q4 24 | $1.3B | $521.9M | ||
| Q3 24 | $1.8B | $426.4M | ||
| Q2 24 | $771.0M | $238.4M |
总债务CINFRMD
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | $403.9M | ||
| Q3 25 | $858.0M | $408.7M | ||
| Q2 25 | $859.0M | $658.4M | ||
| Q1 25 | $853.0M | $663.1M | ||
| Q4 24 | $850.0M | $662.9M | ||
| Q3 24 | $849.0M | $667.6M | ||
| Q2 24 | $849.0M | $697.3M |
股东权益CINFRMD
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $6.3B | ||
| Q3 25 | $15.4B | $6.1B | ||
| Q2 25 | $14.3B | $6.0B | ||
| Q1 25 | $13.7B | $5.5B | ||
| Q4 24 | $13.9B | $5.3B | ||
| Q3 24 | $13.8B | $5.2B | ||
| Q2 24 | $12.8B | $4.9B |
总资产CINFRMD
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $8.5B | ||
| Q3 25 | $40.6B | $8.3B | ||
| Q2 25 | $38.8B | $8.2B | ||
| Q1 25 | $37.3B | $7.6B | ||
| Q4 24 | $36.5B | $7.1B | ||
| Q3 24 | $37.0B | $7.2B | ||
| Q2 24 | $34.8B | $6.9B |
负债/权益比CINFRMD
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | 0.06× | ||
| Q3 25 | 0.06× | 0.07× | ||
| Q2 25 | 0.06× | 0.11× | ||
| Q1 25 | 0.06× | 0.12× | ||
| Q4 24 | 0.06× | 0.13× | ||
| Q3 24 | 0.06× | 0.13× | ||
| Q2 24 | 0.07× | 0.14× |
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 | — | $339.7M |
| 自由现金流经营现金流 - 资本支出 | — | $311.2M |
| 自由现金流率自由现金流/营收 | — | 21.9% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | — | 0.87× |
| 过去12个月自由现金流最近4个季度 | — | $1.8B |
8季度趋势，按日历期对齐
经营现金流CINFRMD
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $339.7M | ||
| Q3 25 | $1.1B | $457.3M | ||
| Q2 25 | $741.0M | $538.8M | ||
| Q1 25 | $310.0M | $578.7M | ||
| Q4 24 | $642.0M | $308.6M | ||
| Q3 24 | $912.0M | $325.5M | ||
| Q2 24 | $742.0M | $440.1M |
自由现金流CINFRMD
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $311.2M | ||
| Q3 25 | $1.1B | $414.4M | ||
| Q2 25 | $737.0M | $508.2M | ||
| Q1 25 | $307.0M | $557.9M | ||
| Q4 24 | $638.0M | $288.0M | ||
| Q3 24 | $906.0M | $307.7M | ||
| Q2 24 | $737.0M | $415.2M |
自由现金流率CINFRMD
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | 21.9% | ||
| Q3 25 | 29.8% | 31.0% | ||
| Q2 25 | 22.7% | 37.7% | ||
| Q1 25 | 12.0% | 43.2% | ||
| Q4 24 | 25.1% | 22.5% | ||
| Q3 24 | 27.3% | 25.1% | ||
| Q2 24 | 29.0% | 33.9% |
资本支出强度CINFRMD
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 2.0% | ||
| Q3 25 | 0.1% | 3.2% | ||
| Q2 25 | 0.1% | 2.3% | ||
| Q1 25 | 0.1% | 1.6% | ||
| Q4 24 | 0.2% | 1.6% | ||
| Q3 24 | 0.2% | 1.5% | ||
| Q2 24 | 0.2% | 2.0% |
现金转化率CINFRMD
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 0.87× | ||
| Q3 25 | 0.99× | 1.31× | ||
| Q2 25 | 1.08× | 1.42× | ||
| Q1 25 | — | 1.59× | ||
| Q4 24 | 1.59× | 0.90× | ||
| Q3 24 | 1.11× | 1.05× | ||
| Q2 24 | 2.38× | 1.51× |
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
RMD
| Sleep And Breathing Health | $1.3B | 88% |
| Residential Care Software | $166.9M | 12% |
