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Cincinnati Financial（CINF）与Ross Stores（ROST）财务数据对比。点击上方公司名可切换其他公司
Ross Stores的季度营收约是Cincinnati Financial的2.0倍（$5.6B vs $2.8B），Cincinnati Financial净利率更高（9.6% vs 9.1%，领先0.4%），Ross Stores同比增速更快（10.4% vs -1.7%），过去两年Cincinnati Financial的营收复合增速更高（5.2% vs -3.6%）
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。
Ross Stores, Inc.是美国知名折扣百货连锁集团，旗下核心品牌为Ross Dress for Less，总部位于加利福尼亚州都柏林，是美国规模最大的平价零售商。截至2024年7月，集团在全美43个州、华盛顿特区、波多黎各及关岛共运营1795家门店，暂未覆盖新英格兰地区及阿拉斯加，另拥有门店数超353家的折扣零售品牌DD's Discounts。
CINF vs ROST — 直观对比
营收规模更大
ROST
是对方的2.0倍
$2.8B
营收增速更快
ROST
高出12.2%
-1.7%
净利率更高
CINF
高出0.4%
9.1%
两年增速更快
CINF
近两年复合增速
-3.6%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $5.6B |
| 净利润 | $274.0M | $511.9M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | 11.6% |
| 净利率 | 9.6% | 9.1% |
| 营收同比 | -1.7% | 10.4% |
| 净利润同比 | — | 4.7% |
| 每股收益（稀释后） | — | $1.58 |
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CINFROST
| Q1 26 | $2.8B | — | ||
| Q4 25 | $3.1B | $5.6B | ||
| Q3 25 | $3.7B | $5.5B | ||
| Q2 25 | $3.2B | $5.0B | ||
| Q1 25 | $2.6B | $5.9B | ||
| Q4 24 | $2.5B | $5.1B | ||
| Q3 24 | $3.3B | $5.3B | ||
| Q2 24 | $2.5B | $4.9B |
净利润CINFROST
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $511.9M | ||
| Q3 25 | $1.1B | $508.0M | ||
| Q2 25 | $685.0M | $479.2M | ||
| Q1 25 | $-90.0M | $586.8M | ||
| Q4 24 | $405.0M | $488.8M | ||
| Q3 24 | $820.0M | $527.1M | ||
| Q2 24 | $312.0M | $488.0M |
毛利率CINFROST
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 27.6% | ||
| Q2 25 | — | 28.2% | ||
| Q1 25 | — | 26.5% | ||
| Q4 24 | — | 28.3% | ||
| Q3 24 | — | 28.3% | ||
| Q2 24 | — | 28.1% |
营业利润率CINFROST
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 11.6% | ||
| Q3 25 | 37.9% | 11.5% | ||
| Q2 25 | 26.3% | 12.2% | ||
| Q1 25 | -5.0% | 12.4% | ||
| Q4 24 | 18.9% | 11.9% | ||
| Q3 24 | 31.3% | 12.5% | ||
| Q2 24 | 15.2% | 12.2% |
净利率CINFROST
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | 9.1% | ||
| Q3 25 | 30.1% | 9.2% | ||
| Q2 25 | 21.1% | 9.6% | ||
| Q1 25 | -3.5% | 9.9% | ||
| Q4 24 | 16.0% | 9.6% | ||
| Q3 24 | 24.7% | 10.0% | ||
| Q2 24 | 12.3% | 10.0% |
每股收益（稀释后）CINFROST
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $1.58 | ||
| Q3 25 | $7.11 | $1.56 | ||
| Q2 25 | $4.34 | $1.47 | ||
| Q1 25 | $-0.57 | $1.79 | ||
| Q4 24 | $2.57 | $1.48 | ||
| Q3 24 | $5.20 | $1.59 | ||
| Q2 24 | $1.98 | $1.46 |
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 | $4.1B |
| 总债务越低越好 | $816.0M | $1.5B |
| 股东权益账面价值 | $15.7B | $5.9B |
| 总资产 | $41.2B | $15.4B |
| 负债/权益比越低杠杆越低 | 0.05× | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资CINFROST
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $4.1B | ||
| Q3 25 | $1.6B | $3.8B | ||
| Q2 25 | $1.1B | $3.8B | ||
| Q1 25 | $1.1B | $4.7B | ||
| Q4 24 | $1.3B | $4.3B | ||
| Q3 24 | $1.8B | $4.7B | ||
| Q2 24 | $771.0M | $4.7B |
总债务CINFROST
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | $1.5B | ||
| Q3 25 | $858.0M | $1.5B | ||
| Q2 25 | $859.0M | $1.5B | ||
| Q1 25 | $853.0M | $2.2B | ||
| Q4 24 | $850.0M | $2.2B | ||
| Q3 24 | $849.0M | $2.5B | ||
| Q2 24 | $849.0M | $2.5B |
股东权益CINFROST
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $5.9B | ||
| Q3 25 | $15.4B | $5.7B | ||
| Q2 25 | $14.3B | $5.6B | ||
| Q1 25 | $13.7B | $5.5B | ||
| Q4 24 | $13.9B | $5.3B | ||
| Q3 24 | $13.8B | $5.1B | ||
| Q2 24 | $12.8B | $4.9B |
总资产CINFROST
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $15.4B | ||
| Q3 25 | $40.6B | $14.5B | ||
| Q2 25 | $38.8B | $14.3B | ||
| Q1 25 | $37.3B | $14.9B | ||
| Q4 24 | $36.5B | $14.9B | ||
| Q3 24 | $37.0B | $14.7B | ||
| Q2 24 | $34.8B | $14.5B |
负债/权益比CINFROST
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | 0.26× | ||
| Q3 25 | 0.06× | 0.26× | ||
| Q2 25 | 0.06× | 0.27× | ||
| Q1 25 | 0.06× | 0.40× | ||
| Q4 24 | 0.06× | 0.42× | ||
| Q3 24 | 0.06× | 0.48× | ||
| Q2 24 | 0.07× | 0.50× |
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 | — | $827.1M |
| 自由现金流经营现金流 - 资本支出 | — | $617.8M |
| 自由现金流率自由现金流/营收 | — | 11.0% |
| 资本支出强度资本支出/营收 | — | 3.7% |
| 现金转化率经营现金流/净利润 | — | 1.62× |
| 过去12个月自由现金流最近4个季度 | — | $2.0B |
8季度趋势，按日历期对齐
经营现金流CINFROST
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $827.1M | ||
| Q3 25 | $1.1B | $668.4M | ||
| Q2 25 | $741.0M | $409.7M | ||
| Q1 25 | $310.0M | $882.6M | ||
| Q4 24 | $642.0M | $513.4M | ||
| Q3 24 | $912.0M | $592.1M | ||
| Q2 24 | $742.0M | $368.9M |
自由现金流CINFROST
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $617.8M | ||
| Q3 25 | $1.1B | $466.6M | ||
| Q2 25 | $737.0M | $202.3M | ||
| Q1 25 | $307.0M | $676.6M | ||
| Q4 24 | $638.0M | $333.0M | ||
| Q3 24 | $906.0M | $394.6M | ||
| Q2 24 | $737.0M | $232.7M |
自由现金流率CINFROST
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | 11.0% | ||
| Q3 25 | 29.8% | 8.4% | ||
| Q2 25 | 22.7% | 4.1% | ||
| Q1 25 | 12.0% | 11.4% | ||
| Q4 24 | 25.1% | 6.6% | ||
| Q3 24 | 27.3% | 7.5% | ||
| Q2 24 | 29.0% | 4.8% |
资本支出强度CINFROST
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 3.7% | ||
| Q3 25 | 0.1% | 3.6% | ||
| Q2 25 | 0.1% | 4.2% | ||
| Q1 25 | 0.1% | 3.5% | ||
| Q4 24 | 0.2% | 3.6% | ||
| Q3 24 | 0.2% | 3.7% | ||
| Q2 24 | 0.2% | 2.8% |
现金转化率CINFROST
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 1.62× | ||
| Q3 25 | 0.99× | 1.32× | ||
| Q2 25 | 1.08× | 0.85× | ||
| Q1 25 | — | 1.50× | ||
| Q4 24 | 1.59× | 1.05× | ||
| Q3 24 | 1.11× | 1.12× | ||
| Q2 24 | 2.38× | 0.76× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
