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Cincinnati Financial（CINF）与Unum Group（UNM）财务数据对比。点击上方公司名可切换其他公司
Unum Group的季度营收约是Cincinnati Financial的1.2倍（$3.4B vs $2.8B），Cincinnati Financial净利率更高（9.6% vs 6.9%，领先2.7%），Unum Group同比增速更快（8.5% vs -1.7%），过去两年Cincinnati Financial的营收复合增速更高（5.2% vs 1.9%）
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。
Unum Group是美国财富500强保险企业，总部位于田纳西州查塔努加，前身为1848年成立的联合相互保险公司，1999年合并后曾用名UnumProvident至2007年。集团现设四大业务板块，覆盖美、英、波兰市场，旗下承保主体包括保罗里维尔人寿保险、普罗维登斯人伤意外险公司等。
CINF vs UNM — 直观对比
营收规模更大
UNM
是对方的1.2倍
$2.8B
营收增速更快
UNM
高出10.3%
-1.7%
净利率更高
CINF
高出2.7%
6.9%
两年增速更快
CINF
近两年复合增速
1.9%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $3.4B |
| 净利润 | $274.0M | $232.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 9.6% | 6.9% |
| 营收同比 | -1.7% | 8.5% |
| 净利润同比 | 404.4% | 22.7% |
| 每股收益（稀释后） | — | — |
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CINFUNM
| Q1 26 | $2.8B | $3.4B | ||
| Q4 25 | $3.1B | $3.2B | ||
| Q3 25 | $3.7B | $3.4B | ||
| Q2 25 | $3.2B | $3.4B | ||
| Q1 25 | $2.6B | $3.1B | ||
| Q4 24 | $2.5B | $3.2B | ||
| Q3 24 | $3.3B | $3.2B | ||
| Q2 24 | $2.5B | $3.2B |
净利润CINFUNM
| Q1 26 | $274.0M | $232.0M | ||
| Q4 25 | $676.0M | $174.1M | ||
| Q3 25 | $1.1B | $39.7M | ||
| Q2 25 | $685.0M | $335.6M | ||
| Q1 25 | $-90.0M | $189.1M | ||
| Q4 24 | $405.0M | $348.7M | ||
| Q3 24 | $820.0M | $645.7M | ||
| Q2 24 | $312.0M | $389.5M |
营业利润率CINFUNM
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 6.7% | ||
| Q3 25 | 37.9% | 1.6% | ||
| Q2 25 | 26.3% | 12.4% | ||
| Q1 25 | -5.0% | 7.9% | ||
| Q4 24 | 18.9% | 13.8% | ||
| Q3 24 | 31.3% | 15.6% | ||
| Q2 24 | 15.2% | 15.3% |
净利率CINFUNM
| Q1 26 | 9.6% | 6.9% | ||
| Q4 25 | 21.9% | 5.4% | ||
| Q3 25 | 30.1% | 1.2% | ||
| Q2 25 | 21.1% | 10.0% | ||
| Q1 25 | -3.5% | 6.1% | ||
| Q4 24 | 16.0% | 10.8% | ||
| Q3 24 | 24.7% | 20.1% | ||
| Q2 24 | 12.3% | 12.0% |
每股收益（稀释后）CINFUNM
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $1.06 | ||
| Q3 25 | $7.11 | $0.23 | ||
| Q2 25 | $4.34 | $1.92 | ||
| Q1 25 | $-0.57 | $1.06 | ||
| Q4 24 | $2.57 | $1.91 | ||
| Q3 24 | $5.20 | $3.46 | ||
| Q2 24 | $1.98 | $2.05 |
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 | $2.1M |
| 总债务越低越好 | $816.0M | $3.8M |
| 股东权益账面价值 | $15.7B | $10.9M |
| 总资产 | $41.2B | $62.7M |
| 负债/权益比越低杠杆越低 | 0.05× | 0.35× |
8季度趋势，按日历期对齐
现金及短期投资CINFUNM
| Q1 26 | $1.2B | $2.1M | ||
| Q4 25 | $148.0M | — | ||
| Q3 25 | $1.6B | — | ||
| Q2 25 | $1.1B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $771.0M | — |
总债务CINFUNM
| Q1 26 | $816.0M | $3.8M | ||
| Q4 25 | $861.0M | $3.8B | ||
| Q3 25 | $858.0M | $3.5B | ||
| Q2 25 | $859.0M | $3.5B | ||
| Q1 25 | $853.0M | $3.5B | ||
| Q4 24 | $850.0M | $3.5B | ||
| Q3 24 | $849.0M | $3.5B | ||
| Q2 24 | $849.0M | $3.5B |
股东权益CINFUNM
| Q1 26 | $15.7B | $10.9M | ||
| Q4 25 | $15.9B | $11.1B | ||
| Q3 25 | $15.4B | $10.9B | ||
| Q2 25 | $14.3B | $11.3B | ||
| Q1 25 | $13.7B | $11.2B | ||
| Q4 24 | $13.9B | $11.0B | ||
| Q3 24 | $13.8B | $11.0B | ||
| Q2 24 | $12.8B | $10.5B |
总资产CINFUNM
| Q1 26 | $41.2B | $62.7M | ||
| Q4 25 | $41.0B | $63.5B | ||
| Q3 25 | $40.6B | $63.7B | ||
| Q2 25 | $38.8B | $62.8B | ||
| Q1 25 | $37.3B | $62.5B | ||
| Q4 24 | $36.5B | $62.0B | ||
| Q3 24 | $37.0B | $64.1B | ||
| Q2 24 | $34.8B | $62.0B |
负债/权益比CINFUNM
| Q1 26 | 0.05× | 0.35× | ||
| Q4 25 | 0.05× | 0.34× | ||
| Q3 25 | 0.06× | 0.32× | ||
| Q2 25 | 0.06× | 0.31× | ||
| Q1 25 | 0.06× | 0.31× | ||
| Q4 24 | 0.06× | 0.32× | ||
| Q3 24 | 0.06× | 0.32× | ||
| Q2 24 | 0.07× | 0.33× |
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% |
UNM
| Premium Income | $2.8B | 83% |
| Other | $561.2M | 17% |
