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Cincinnati Financial（CINF）与RENAISSANCERE HOLDINGS LTD（RNR）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RENAISSANCERE HOLDINGS LTD的1.0倍（$3.1B vs $3.0B）。RENAISSANCERE HOLDINGS LTD净利率更高（25.6% vs 21.9%，领先3.7%）。RENAISSANCERE HOLDINGS LTD同比增速更快（29.6% vs 21.8%）。过去两年RENAISSANCERE HOLDINGS LTD的营收复合增速更高（6.9% 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。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
CINF vs RNR — 直观对比
营收规模更大
CINF
是对方的1.0倍
$3.0B
营收增速更快
RNR
高出7.8%
21.8%
净利率更高
RNR
高出3.7%
21.9%
两年增速更快
RNR
近两年复合增速
2.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.1B | $3.0B |
| 净利润 | $676.0M | $760.5M |
| 毛利率 | — | — |
| 营业利润率 | 27.2% | 42.5% |
| 净利率 | 21.9% | 25.6% |
| 营收同比 | 21.8% | 29.6% |
| 净利润同比 | 66.9% | 501.0% |
| 每股收益（稀释后） | $4.29 | $16.16 |
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CINFRNR
| Q4 25 | $3.1B | $3.0B | ||
| Q3 25 | $3.7B | $3.2B | ||
| Q2 25 | $3.2B | $3.2B | ||
| Q1 25 | $2.6B | $3.5B | ||
| Q4 24 | $2.5B | $2.3B | ||
| Q3 24 | $3.3B | $4.0B | ||
| Q2 24 | $2.5B | $2.8B | ||
| Q1 24 | $2.9B | $2.6B |
净利润CINFRNR
| Q4 25 | $676.0M | $760.5M | ||
| Q3 25 | $1.1B | $916.5M | ||
| Q2 25 | $685.0M | $835.4M | ||
| Q1 25 | $-90.0M | $170.0M | ||
| Q4 24 | $405.0M | $-189.7M | ||
| Q3 24 | $820.0M | $1.2B | ||
| Q2 24 | $312.0M | $503.9M | ||
| Q1 24 | $755.0M | $373.6M |
营业利润率CINFRNR
| Q4 25 | 27.2% | 42.5% | ||
| Q3 25 | 37.9% | 46.3% | ||
| Q2 25 | 26.3% | 41.8% | ||
| Q1 25 | -5.0% | -2.0% | ||
| Q4 24 | 18.9% | -3.6% | ||
| Q3 24 | 31.3% | 43.7% | ||
| Q2 24 | 15.2% | 25.0% | ||
| Q1 24 | 32.5% | 24.4% |
净利率CINFRNR
| Q4 25 | 21.9% | 25.6% | ||
| Q3 25 | 30.1% | 28.7% | ||
| Q2 25 | 21.1% | 26.1% | ||
| Q1 25 | -3.5% | 4.9% | ||
| Q4 24 | 16.0% | -8.3% | ||
| Q3 24 | 24.7% | 29.8% | ||
| Q2 24 | 12.3% | 17.8% | ||
| Q1 24 | 25.7% | 14.4% |
每股收益（稀释后）CINFRNR
| Q4 25 | $4.29 | $16.16 | ||
| Q3 25 | $7.11 | $19.40 | ||
| Q2 25 | $4.34 | $17.20 | ||
| Q1 25 | $-0.57 | $3.27 | ||
| Q4 24 | $2.57 | $-3.76 | ||
| Q3 24 | $5.20 | $22.62 | ||
| Q2 24 | $1.98 | $9.41 | ||
| Q1 24 | $4.78 | $6.94 |
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 | $1.7B |
| 总债务越低越好 | $861.0M | $2.3B |
| 股东权益账面价值 | $15.9B | $11.6B |
| 总资产 | $41.0B | $53.8B |
| 负债/权益比越低杠杆越低 | 0.05× | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资CINFRNR
| Q4 25 | $148.0M | $1.7B | ||
| Q3 25 | $1.6B | $1.7B | ||
| Q2 25 | $1.1B | $1.4B | ||
| Q1 25 | $1.1B | $1.6B | ||
| Q4 24 | $1.3B | $1.7B | ||
| Q3 24 | $1.8B | $1.6B | ||
| Q2 24 | $771.0M | $1.6B | ||
| Q1 24 | $619.0M | $1.6B |
总债务CINFRNR
| Q4 25 | $861.0M | $2.3B | ||
| Q3 25 | $858.0M | $2.2B | ||
| Q2 25 | $859.0M | $2.3B | ||
| Q1 25 | $853.0M | $2.8B | ||
| Q4 24 | $850.0M | $1.9B | ||
| Q3 24 | $849.0M | $1.9B | ||
| Q2 24 | $849.0M | $2.0B | ||
| Q1 24 | $848.0M | $1.9B |
股东权益CINFRNR
| Q4 25 | $15.9B | $11.6B | ||
| Q3 25 | $15.4B | $11.5B | ||
| Q2 25 | $14.3B | $10.8B | ||
| Q1 25 | $13.7B | $10.3B | ||
| Q4 24 | $13.9B | $10.6B | ||
| Q3 24 | $13.8B | $11.2B | ||
| Q2 24 | $12.8B | $10.2B | ||
| Q1 24 | $12.7B | $9.8B |
总资产CINFRNR
| Q4 25 | $41.0B | $53.8B | ||
| Q3 25 | $40.6B | $54.5B | ||
| Q2 25 | $38.8B | $54.7B | ||
| Q1 25 | $37.3B | $53.6B | ||
| Q4 24 | $36.5B | $50.7B | ||
| Q3 24 | $37.0B | $52.8B | ||
| Q2 24 | $34.8B | $51.6B | ||
| Q1 24 | $33.7B | $50.9B |
负债/权益比CINFRNR
| Q4 25 | 0.05× | 0.20× | ||
| Q3 25 | 0.06× | 0.19× | ||
| Q2 25 | 0.06× | 0.21× | ||
| Q1 25 | 0.06× | 0.27× | ||
| Q4 24 | 0.06× | 0.18× | ||
| Q3 24 | 0.06× | 0.17× | ||
| Q2 24 | 0.07× | 0.19× | ||
| Q1 24 | 0.07× | 0.19× |
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 | $483.0M |
| 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× | 0.64× |
| 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CINFRNR
| Q4 25 | $947.0M | $483.0M | ||
| Q3 25 | $1.1B | $1.6B | ||
| Q2 25 | $741.0M | $1.5B | ||
| Q1 25 | $310.0M | $157.8M | ||
| Q4 24 | $642.0M | $778.9M | ||
| Q3 24 | $912.0M | $1.5B | ||
| Q2 24 | $742.0M | $1.2B | ||
| Q1 24 | $353.0M | $683.5M |
自由现金流CINFRNR
| 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 | — | ||
| Q1 24 | $346.0M | — |
自由现金流率CINFRNR
| 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% | — | ||
| Q1 24 | 11.8% | — |
资本支出强度CINFRNR
| 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% | — | ||
| Q1 24 | 0.2% | — |
现金转化率CINFRNR
| Q4 25 | 1.40× | 0.64× | ||
| Q3 25 | 0.99× | 1.73× | ||
| Q2 25 | 1.08× | 1.76× | ||
| Q1 25 | — | 0.93× | ||
| Q4 24 | 1.59× | — | ||
| Q3 24 | 1.11× | 1.26× | ||
| Q2 24 | 2.38× | 2.41× | ||
| Q1 24 | 0.47× | 1.83× |
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% |
RNR
暂无分部数据
