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Cincinnati Financial（CINF）与联合果品公司（UFCS）财务数据对比。点击上方公司名可切换其他公司
Cincinnati Financial的季度营收约是联合果品公司的8.4倍（$3.1B vs $365.8M）。Cincinnati Financial同比增速更快（21.8% vs 9.8%）。过去两年联合果品公司的营收复合增速更高（11.2% 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。
联合果品公司是一家美国跨国企业，主营在拉丁美洲种植园种植的热带水果贸易，产品销往美国与欧洲。公司1899年由波士顿果品公司与迈纳·C·基思的香蕉贸易企业合并成立，在20世纪上半叶发展蓬勃，掌控了中美洲、哥伦比亚加勒比海岸及西印度群岛的大片领地与运输网络。
CINF vs UFCS — 直观对比
营收规模更大
CINF
是对方的8.4倍
$365.8M
营收增速更快
CINF
高出12.0%
9.8%
两年增速更快
UFCS
近两年复合增速
2.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.1B | $365.8M |
| 净利润 | $676.0M | — |
| 毛利率 | — | — |
| 营业利润率 | 27.2% | 13.2% |
| 净利率 | 21.9% | — |
| 营收同比 | 21.8% | 9.8% |
| 净利润同比 | 66.9% | — |
| 每股收益（稀释后） | $4.29 | $1.45 |
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CINFUFCS
| Q4 25 | $3.1B | $365.8M | ||
| Q3 25 | $3.7B | $354.0M | ||
| Q2 25 | $3.2B | $335.5M | ||
| Q1 25 | $2.6B | $331.1M | ||
| Q4 24 | $2.5B | $333.2M | ||
| Q3 24 | $3.3B | $323.0M | ||
| Q2 24 | $2.5B | $301.2M | ||
| Q1 24 | $2.9B | $296.0M |
净利润CINFUFCS
| Q4 25 | $676.0M | — | ||
| Q3 25 | $1.1B | $39.2M | ||
| Q2 25 | $685.0M | $22.9M | ||
| Q1 25 | $-90.0M | $17.7M | ||
| Q4 24 | $405.0M | — | ||
| Q3 24 | $820.0M | $19.7M | ||
| Q2 24 | $312.0M | $-2.7M | ||
| Q1 24 | $755.0M | $13.5M |
营业利润率CINFUFCS
| Q4 25 | 27.2% | 13.2% | ||
| Q3 25 | 37.9% | 13.7% | ||
| Q2 25 | 26.3% | 8.7% | ||
| Q1 25 | -5.0% | 6.6% | ||
| Q4 24 | 18.9% | 11.9% | ||
| Q3 24 | 31.3% | 7.7% | ||
| Q2 24 | 15.2% | -1.3% | ||
| Q1 24 | 32.5% | 5.5% |
净利率CINFUFCS
| Q4 25 | 21.9% | — | ||
| Q3 25 | 30.1% | 11.1% | ||
| Q2 25 | 21.1% | 6.8% | ||
| Q1 25 | -3.5% | 5.3% | ||
| Q4 24 | 16.0% | — | ||
| Q3 24 | 24.7% | 6.1% | ||
| Q2 24 | 12.3% | -0.9% | ||
| Q1 24 | 25.7% | 4.6% |
每股收益（稀释后）CINFUFCS
| Q4 25 | $4.29 | $1.45 | ||
| Q3 25 | $7.11 | $1.49 | ||
| Q2 25 | $4.34 | $0.87 | ||
| Q1 25 | $-0.57 | $0.67 | ||
| Q4 24 | $2.57 | $1.22 | ||
| Q3 24 | $5.20 | $0.76 | ||
| Q2 24 | $1.98 | $-0.11 | ||
| Q1 24 | $4.78 | $0.52 |
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 | $156.3M |
| 总债务越低越好 | $861.0M | — |
| 股东权益账面价值 | $15.9B | $941.2M |
| 总资产 | $41.0B | $3.8B |
| 负债/权益比越低杠杆越低 | 0.05× | — |
8季度趋势，按日历期对齐
现金及短期投资CINFUFCS
| Q4 25 | $148.0M | $156.3M | ||
| Q3 25 | $1.6B | $233.7M | ||
| Q2 25 | $1.1B | $202.1M | ||
| Q1 25 | $1.1B | $183.7M | ||
| Q4 24 | $1.3B | $200.9M | ||
| Q3 24 | $1.8B | $197.4M | ||
| Q2 24 | $771.0M | $153.4M | ||
| Q1 24 | $619.0M | $217.8M |
总债务CINFUFCS
| Q4 25 | $861.0M | — | ||
| Q3 25 | $858.0M | — | ||
| Q2 25 | $859.0M | — | ||
| Q1 25 | $853.0M | — | ||
| Q4 24 | $850.0M | — | ||
| Q3 24 | $849.0M | — | ||
| Q2 24 | $849.0M | — | ||
| Q1 24 | $848.0M | — |
股东权益CINFUFCS
| Q4 25 | $15.9B | $941.2M | ||
| Q3 25 | $15.4B | $898.7M | ||
| Q2 25 | $14.3B | $845.7M | ||
| Q1 25 | $13.7B | $817.7M | ||
| Q4 24 | $13.9B | $781.5M | ||
| Q3 24 | $13.8B | $785.8M | ||
| Q2 24 | $12.8B | $726.6M | ||
| Q1 24 | $12.7B | $736.8M |
总资产CINFUFCS
| Q4 25 | $41.0B | $3.8B | ||
| Q3 25 | $40.6B | $3.8B | ||
| Q2 25 | $38.8B | $3.7B | ||
| Q1 25 | $37.3B | $3.5B | ||
| Q4 24 | $36.5B | $3.5B | ||
| Q3 24 | $37.0B | $3.5B | ||
| Q2 24 | $34.8B | $3.4B | ||
| Q1 24 | $33.7B | $3.2B |
负债/权益比CINFUFCS
| Q4 25 | 0.05× | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 0.06× | — | ||
| Q4 24 | 0.06× | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 24 | 0.07× | — | ||
| Q1 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 | $947.0M | $119.8M |
| 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× | — |
| 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CINFUFCS
| Q4 25 | $947.0M | $119.8M | ||
| Q3 25 | $1.1B | $60.8M | ||
| Q2 25 | $741.0M | $53.4M | ||
| Q1 25 | $310.0M | $35.7M | ||
| Q4 24 | $642.0M | $156.3M | ||
| Q3 24 | $912.0M | $56.5M | ||
| Q2 24 | $742.0M | $91.3M | ||
| Q1 24 | $353.0M | $36.2M |
自由现金流CINFUFCS
| 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CINFUFCS
| 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CINFUFCS
| 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CINFUFCS
| Q4 25 | 1.40× | — | ||
| Q3 25 | 0.99× | 1.55× | ||
| Q2 25 | 1.08× | 2.33× | ||
| Q1 25 | — | 2.02× | ||
| Q4 24 | 1.59× | — | ||
| Q3 24 | 1.11× | 2.86× | ||
| Q2 24 | 2.38× | — | ||
| Q1 24 | 0.47× | 2.68× |
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% |
UFCS
暂无分部数据
