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Cincinnati Financial（CINF）与RXO, Inc.（RXO）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RXO, Inc.的1.9倍（$2.8B vs $1.5B），Cincinnati Financial净利率更高（9.6% vs -3.1%，领先12.7%），Cincinnati Financial同比增速更快（-1.7% vs -11.9%），过去两年RXO, Inc.的营收复合增速更高（26.8% 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。
RXO是总部位于美国的头部运输及物流解决方案供应商，核心业务覆盖货运经纪、大件商品最后一公里配送、运输管理服务与全链路供应链优化支持，主要服务北美制造业、零售业及电商领域的客户。
CINF vs RXO — 直观对比
营收规模更大
CINF
是对方的1.9倍
$1.5B
营收增速更快
CINF
高出10.1%
-11.9%
净利率更高
CINF
高出12.7%
-3.1%
两年增速更快
RXO
近两年复合增速
5.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $1.5B |
| 净利润 | $274.0M | $-46.0M |
| 毛利率 | — | — |
| 营业利润率 | — | -2.9% |
| 净利率 | 9.6% | -3.1% |
| 营收同比 | -1.7% | -11.9% |
| 净利润同比 | 404.4% | -84.0% |
| 每股收益（稀释后） | — | $-0.28 |
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CINFRXO
| Q1 26 | $2.8B | — | ||
| Q4 25 | $3.1B | $1.5B | ||
| Q3 25 | $3.7B | $1.4B | ||
| Q2 25 | $3.2B | $1.4B | ||
| Q1 25 | $2.6B | $1.4B | ||
| Q4 24 | $2.5B | $1.7B | ||
| Q3 24 | $3.3B | $1.0B | ||
| Q2 24 | $2.5B | $930.0M |
净利润CINFRXO
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $-46.0M | ||
| Q3 25 | $1.1B | $-14.0M | ||
| Q2 25 | $685.0M | $-9.0M | ||
| Q1 25 | $-90.0M | $-31.0M | ||
| Q4 24 | $405.0M | $-25.0M | ||
| Q3 24 | $820.0M | $-243.0M | ||
| Q2 24 | $312.0M | $-7.0M |
营业利润率CINFRXO
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | -2.9% | ||
| Q3 25 | 37.9% | -0.5% | ||
| Q2 25 | 26.3% | — | ||
| Q1 25 | -5.0% | -2.1% | ||
| Q4 24 | 18.9% | -1.4% | ||
| Q3 24 | 31.3% | -1.9% | ||
| Q2 24 | 15.2% | — |
净利率CINFRXO
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | -3.1% | ||
| Q3 25 | 30.1% | -1.0% | ||
| Q2 25 | 21.1% | -0.6% | ||
| Q1 25 | -3.5% | -2.2% | ||
| Q4 24 | 16.0% | -1.5% | ||
| Q3 24 | 24.7% | -23.4% | ||
| Q2 24 | 12.3% | -0.8% |
每股收益（稀释后）CINFRXO
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $-0.28 | ||
| Q3 25 | $7.11 | $-0.08 | ||
| Q2 25 | $4.34 | $-0.05 | ||
| Q1 25 | $-0.57 | $-0.18 | ||
| Q4 24 | $2.57 | $-0.17 | ||
| Q3 24 | $5.20 | $-1.81 | ||
| Q2 24 | $1.98 | $-0.06 |
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 | $17.0M |
| 总债务越低越好 | $816.0M | $387.0M |
| 股东权益账面价值 | $15.7B | $1.5B |
| 总资产 | $41.2B | $3.3B |
| 负债/权益比越低杠杆越低 | 0.05× | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资CINFRXO
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $17.0M | ||
| Q3 25 | $1.6B | $25.0M | ||
| Q2 25 | $1.1B | $18.0M | ||
| Q1 25 | $1.1B | $16.0M | ||
| Q4 24 | $1.3B | $35.0M | ||
| Q3 24 | $1.8B | $55.0M | ||
| Q2 24 | $771.0M | $7.0M |
总债务CINFRXO
| Q1 26 | $816.0M | — | ||
| Q4 25 | $861.0M | $387.0M | ||
| Q3 25 | $858.0M | $387.0M | ||
| Q2 25 | $859.0M | $387.0M | ||
| Q1 25 | $853.0M | $387.0M | ||
| Q4 24 | $850.0M | $351.0M | ||
| Q3 24 | $849.0M | $352.0M | ||
| Q2 24 | $849.0M | $370.0M |
股东权益CINFRXO
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $1.5B | ||
| Q3 25 | $15.4B | $1.6B | ||
| Q2 25 | $14.3B | $1.6B | ||
| Q1 25 | $13.7B | $1.6B | ||
| Q4 24 | $13.9B | $1.6B | ||
| Q3 24 | $13.8B | $1.7B | ||
| Q2 24 | $12.8B | $579.0M |
总资产CINFRXO
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $3.3B | ||
| Q3 25 | $40.6B | $3.2B | ||
| Q2 25 | $38.8B | $3.2B | ||
| Q1 25 | $37.3B | $3.3B | ||
| Q4 24 | $36.5B | $3.4B | ||
| Q3 24 | $37.0B | $3.4B | ||
| Q2 24 | $34.8B | $1.8B |
负债/权益比CINFRXO
| Q1 26 | 0.05× | — | ||
| Q4 25 | 0.05× | 0.25× | ||
| Q3 25 | 0.06× | 0.24× | ||
| Q2 25 | 0.06× | 0.24× | ||
| Q1 25 | 0.06× | 0.24× | ||
| Q4 24 | 0.06× | 0.22× | ||
| Q3 24 | 0.06× | 0.21× | ||
| Q2 24 | 0.07× | 0.64× |
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 | — | $7.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-9.0M |
| 自由现金流率自由现金流/营收 | — | -0.6% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 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 | — | $-8.0M |
8季度趋势，按日历期对齐
经营现金流CINFRXO
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $7.0M | ||
| Q3 25 | $1.1B | $23.0M | ||
| Q2 25 | $741.0M | $23.0M | ||
| Q1 25 | $310.0M | $-2.0M | ||
| Q4 24 | $642.0M | $-7.0M | ||
| Q3 24 | $912.0M | $-7.0M | ||
| Q2 24 | $742.0M | $-5.0M |
自由现金流CINFRXO
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $-9.0M | ||
| Q3 25 | $1.1B | $9.0M | ||
| Q2 25 | $737.0M | $9.0M | ||
| Q1 25 | $307.0M | $-17.0M | ||
| Q4 24 | $638.0M | $-19.0M | ||
| Q3 24 | $906.0M | $-18.0M | ||
| Q2 24 | $737.0M | $-16.0M |
自由现金流率CINFRXO
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | -0.6% | ||
| Q3 25 | 29.8% | 0.6% | ||
| Q2 25 | 22.7% | 0.6% | ||
| Q1 25 | 12.0% | -1.2% | ||
| Q4 24 | 25.1% | -1.1% | ||
| Q3 24 | 27.3% | -1.7% | ||
| Q2 24 | 29.0% | -1.7% |
资本支出强度CINFRXO
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 1.1% | ||
| Q3 25 | 0.1% | 1.0% | ||
| Q2 25 | 0.1% | 1.0% | ||
| Q1 25 | 0.1% | 1.0% | ||
| Q4 24 | 0.2% | 0.7% | ||
| Q3 24 | 0.2% | 1.1% | ||
| Q2 24 | 0.2% | 1.2% |
现金转化率CINFRXO
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | — | ||
| Q3 25 | 0.99× | — | ||
| Q2 25 | 1.08× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.59× | — | ||
| Q3 24 | 1.11× | — | ||
| Q2 24 | 2.38× | — |
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
| Property casualty | $2.6B | 93% |
| Life | $105.0M | 4% |
| Other | $92.0M | 3% |
| Fee revenues | $1.0M | 0% |
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
