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Cincinnati Financial（CINF）与RUSH ENTERPRISES INC \TX\（RUSHA）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RUSH ENTERPRISES INC \TX\的1.7倍（$2.8B vs $1.7B），Cincinnati Financial净利率更高（9.6% vs 3.7%，领先5.9%），Cincinnati Financial同比增速更快（-1.7% vs -9.0%），过去两年Cincinnati Financial的营收复合增速更高（5.2% vs -6.8%）
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。
Rush Enterprises是总部位于美国得克萨斯州新布朗费尔斯的商用车经销商，核心业务是通过旗下Rush Truck Centers销售全新及二手卡车。2019年该公司在全美20个州运营超200家卡车中心，在加拿大设有14个网点，2020年入选财富500强榜单。
CINF vs RUSHA — 直观对比
营收规模更大
CINF
是对方的1.7倍
$1.7B
营收增速更快
CINF
高出7.3%
-9.0%
净利率更高
CINF
高出5.9%
3.7%
两年增速更快
CINF
近两年复合增速
-6.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $1.7B |
| 净利润 | $274.0M | $61.7M |
| 毛利率 | — | 20.4% |
| 营业利润率 | — | 4.9% |
| 净利率 | 9.6% | 3.7% |
| 营收同比 | -1.7% | -9.0% |
| 净利润同比 | — | 1.8% |
| 每股收益（稀释后） | — | $0.77 |
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CINFRUSHA
| Q1 26 | $2.8B | $1.7B | ||
| Q4 25 | $3.1B | $1.7B | ||
| Q3 25 | $3.7B | $1.8B | ||
| Q2 25 | $3.2B | $1.8B | ||
| Q1 25 | $2.6B | $1.8B | ||
| Q4 24 | $2.5B | $1.9B | ||
| Q3 24 | $3.3B | $1.8B | ||
| Q2 24 | $2.5B | $1.9B |
净利润CINFRUSHA
| Q1 26 | $274.0M | $61.7M | ||
| Q4 25 | $676.0M | $64.3M | ||
| Q3 25 | $1.1B | $66.7M | ||
| Q2 25 | $685.0M | $72.4M | ||
| Q1 25 | $-90.0M | $60.3M | ||
| Q4 24 | $405.0M | $74.8M | ||
| Q3 24 | $820.0M | $79.1M | ||
| Q2 24 | $312.0M | $78.7M |
毛利率CINFRUSHA
| Q1 26 | — | 20.4% | ||
| Q4 25 | — | 20.8% | ||
| Q3 25 | — | 21.0% | ||
| Q2 25 | — | 20.7% | ||
| Q1 25 | — | 20.3% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 21.0% | ||
| Q2 24 | — | 20.2% |
营业利润率CINFRUSHA
| Q1 26 | — | 4.9% | ||
| Q4 25 | 27.2% | 5.5% | ||
| Q3 25 | 37.9% | 5.6% | ||
| Q2 25 | 26.3% | 6.0% | ||
| Q1 25 | -5.0% | 5.2% | ||
| Q4 24 | 18.9% | 5.8% | ||
| Q3 24 | 31.3% | 6.7% | ||
| Q2 24 | 15.2% | 6.4% |
净利率CINFRUSHA
| Q1 26 | 9.6% | 3.7% | ||
| Q4 25 | 21.9% | 3.8% | ||
| Q3 25 | 30.1% | 3.7% | ||
| Q2 25 | 21.1% | 3.9% | ||
| Q1 25 | -3.5% | 3.4% | ||
| Q4 24 | 16.0% | 3.9% | ||
| Q3 24 | 24.7% | 4.4% | ||
| Q2 24 | 12.3% | 4.1% |
每股收益（稀释后）CINFRUSHA
| Q1 26 | — | $0.77 | ||
| Q4 25 | $4.29 | $0.81 | ||
| Q3 25 | $7.11 | $0.83 | ||
| Q2 25 | $4.34 | $0.90 | ||
| Q1 25 | $-0.57 | $0.73 | ||
| Q4 24 | $2.57 | $-95.13 | ||
| Q3 24 | $5.20 | $0.97 | ||
| Q2 24 | $1.98 | $97.00 |
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 | — |
| 总债务越低越好 | $816.0M | $277.8M |
| 股东权益账面价值 | $15.7B | $2.3B |
| 总资产 | $41.2B | $4.5B |
| 负债/权益比越低杠杆越低 | 0.05× | 0.12× |
8季度趋势，按日历期对齐
现金及短期投资CINFRUSHA
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $212.6M | ||
| Q3 25 | $1.6B | $242.0M | ||
| Q2 25 | $1.1B | $211.1M | ||
| Q1 25 | $1.1B | $228.7M | ||
| Q4 24 | $1.3B | $228.1M | ||
| Q3 24 | $1.8B | $185.1M | ||
| Q2 24 | $771.0M | $167.3M |
总债务CINFRUSHA
| Q1 26 | $816.0M | $277.8M | ||
| Q4 25 | $861.0M | $274.8M | ||
| Q3 25 | $858.0M | — | ||
| Q2 25 | $859.0M | — | ||
| Q1 25 | $853.0M | — | ||
| Q4 24 | $850.0M | $408.4M | ||
| Q3 24 | $849.0M | — | ||
| Q2 24 | $849.0M | — |
股东权益CINFRUSHA
| Q1 26 | $15.7B | $2.3B | ||
| Q4 25 | $15.9B | $2.2B | ||
| Q3 25 | $15.4B | $2.2B | ||
| Q2 25 | $14.3B | $2.2B | ||
| Q1 25 | $13.7B | $2.2B | ||
| Q4 24 | $13.9B | $2.1B | ||
| Q3 24 | $13.8B | $2.1B | ||
| Q2 24 | $12.8B | $2.0B |
总资产CINFRUSHA
| Q1 26 | $41.2B | $4.5B | ||
| Q4 25 | $41.0B | $4.4B | ||
| Q3 25 | $40.6B | $4.6B | ||
| Q2 25 | $38.8B | $4.7B | ||
| Q1 25 | $37.3B | $4.7B | ||
| Q4 24 | $36.5B | $4.6B | ||
| Q3 24 | $37.0B | $4.6B | ||
| Q2 24 | $34.8B | $4.5B |
负债/权益比CINFRUSHA
| Q1 26 | 0.05× | 0.12× | ||
| Q4 25 | 0.05× | 0.12× | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 0.06× | — | ||
| Q4 24 | 0.06× | 0.19× | ||
| 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 | — | — |
| 自由现金流经营现金流 - 资本支出 | — | $411.6M |
| 自由现金流率自由现金流/营收 | — | 24.4% |
| 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 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $828.4M |
8季度趋势，按日历期对齐
经营现金流CINFRUSHA
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $112.9M | ||
| Q3 25 | $1.1B | $367.8M | ||
| Q2 25 | $741.0M | $227.6M | ||
| Q1 25 | $310.0M | $153.5M | ||
| Q4 24 | $642.0M | $392.3M | ||
| Q3 24 | $912.0M | $111.7M | ||
| Q2 24 | $742.0M | $270.6M |
自由现金流CINFRUSHA
| Q1 26 | — | $411.6M | ||
| Q4 25 | $939.0M | $31.9M | ||
| Q3 25 | $1.1B | $271.2M | ||
| Q2 25 | $737.0M | $113.8M | ||
| Q1 25 | $307.0M | $45.1M | ||
| Q4 24 | $638.0M | $263.5M | ||
| Q3 24 | $906.0M | $-20.0M | ||
| Q2 24 | $737.0M | $177.2M |
自由现金流率CINFRUSHA
| Q1 26 | — | 24.4% | ||
| Q4 25 | 30.4% | 1.9% | ||
| Q3 25 | 29.8% | 15.2% | ||
| Q2 25 | 22.7% | 6.2% | ||
| Q1 25 | 12.0% | 2.6% | ||
| Q4 24 | 25.1% | 13.7% | ||
| Q3 24 | 27.3% | -1.1% | ||
| Q2 24 | 29.0% | 9.1% |
资本支出强度CINFRUSHA
| Q1 26 | — | 2.0% | ||
| Q4 25 | 0.3% | 4.8% | ||
| Q3 25 | 0.1% | 5.4% | ||
| Q2 25 | 0.1% | 6.2% | ||
| Q1 25 | 0.1% | 6.2% | ||
| Q4 24 | 0.2% | 6.7% | ||
| Q3 24 | 0.2% | 7.3% | ||
| Q2 24 | 0.2% | 4.8% |
现金转化率CINFRUSHA
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 1.75× | ||
| Q3 25 | 0.99× | 5.51× | ||
| Q2 25 | 1.08× | 3.14× | ||
| Q1 25 | — | 2.55× | ||
| Q4 24 | 1.59× | 5.25× | ||
| Q3 24 | 1.11× | 1.41× | ||
| Q2 24 | 2.38× | 3.44× |
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
RUSHA
| New and used commercial vehicle sales | $955.1M | 57% |
| Aftermarket products and services sales | $627.2M | 37% |
| Lease and rental sales | $92.3M | 5% |
| Finance and insurance | $5.6M | 0% |
