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Cincinnati Financial（CINF）与Williams-Sonoma, Inc.（WSM）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Williams-Sonoma, Inc.的1.5倍（$2.8B vs $1.9B），Williams-Sonoma, Inc.净利率更高（12.8% vs 9.6%，领先3.3%），Williams-Sonoma, Inc.同比增速更快（4.6% vs -1.7%），过去两年Cincinnati Financial的营收复合增速更高（5.2% vs -9.1%）
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。
Williams-Sonoma, Inc.是美国知名家居零售企业，1956年由查尔斯·E·威廉姆斯创立，主营高品质炊具、家居家电、家居软装等多元品类产品，在家居消费领域拥有广泛的用户基础与较高的市场认可度。
CINF vs WSM — 直观对比
营收规模更大
CINF
是对方的1.5倍
$1.9B
营收增速更快
WSM
高出6.3%
-1.7%
净利率更高
WSM
高出3.3%
9.6%
两年增速更快
CINF
近两年复合增速
-9.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $1.9B |
| 净利润 | $274.0M | $241.6M |
| 毛利率 | — | 46.1% |
| 营业利润率 | — | 17.0% |
| 净利率 | 9.6% | 12.8% |
| 营收同比 | -1.7% | 4.6% |
| 净利润同比 | 404.4% | -3.0% |
| 每股收益（稀释后） | — | $1.96 |
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CINFWSM
| Q1 26 | $2.8B | — | ||
| Q4 25 | $3.1B | $1.9B | ||
| Q3 25 | $3.7B | $1.8B | ||
| Q2 25 | $3.2B | $1.7B | ||
| Q1 25 | $2.6B | $2.5B | ||
| Q4 24 | $2.5B | $1.8B | ||
| Q3 24 | $3.3B | $1.8B | ||
| Q2 24 | $2.5B | $1.7B |
净利润CINFWSM
| Q1 26 | $274.0M | — | ||
| Q4 25 | $676.0M | $241.6M | ||
| Q3 25 | $1.1B | $247.6M | ||
| Q2 25 | $685.0M | $231.3M | ||
| Q1 25 | $-90.0M | $384.9M | ||
| Q4 24 | $405.0M | $249.0M | ||
| Q3 24 | $820.0M | $225.7M | ||
| Q2 24 | $312.0M | $265.7M |
毛利率CINFWSM
| Q1 26 | — | — | ||
| Q4 25 | — | 46.1% | ||
| Q3 25 | — | 47.1% | ||
| Q2 25 | — | 44.3% | ||
| Q1 25 | — | 45.2% | ||
| Q4 24 | — | 46.7% | ||
| Q3 24 | — | 46.2% | ||
| Q2 24 | — | 48.3% |
营业利润率CINFWSM
| Q1 26 | — | — | ||
| Q4 25 | 27.2% | 17.0% | ||
| Q3 25 | 37.9% | 17.9% | ||
| Q2 25 | 26.3% | 16.8% | ||
| Q1 25 | -5.0% | 20.1% | ||
| Q4 24 | 18.9% | 17.8% | ||
| Q3 24 | 31.3% | 16.2% | ||
| Q2 24 | 15.2% | 19.5% |
净利率CINFWSM
| Q1 26 | 9.6% | — | ||
| Q4 25 | 21.9% | 12.8% | ||
| Q3 25 | 30.1% | 13.5% | ||
| Q2 25 | 21.1% | 13.4% | ||
| Q1 25 | -3.5% | 15.6% | ||
| Q4 24 | 16.0% | 13.8% | ||
| Q3 24 | 24.7% | 12.6% | ||
| Q2 24 | 12.3% | 16.0% |
每股收益（稀释后）CINFWSM
| Q1 26 | — | — | ||
| Q4 25 | $4.29 | $1.96 | ||
| Q3 25 | $7.11 | $2.00 | ||
| Q2 25 | $4.34 | $1.85 | ||
| Q1 25 | $-0.57 | $1.02 | ||
| Q4 24 | $2.57 | $1.96 | ||
| Q3 24 | $5.20 | $1.74 | ||
| Q2 24 | $1.98 | $4.07 |
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 | $884.7M |
| 总债务越低越好 | $816.0M | — |
| 股东权益账面价值 | $15.7B | $2.1B |
| 总资产 | $41.2B | $5.3B |
| 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CINFWSM
| Q1 26 | $1.2B | — | ||
| Q4 25 | $148.0M | $884.7M | ||
| Q3 25 | $1.6B | $985.8M | ||
| Q2 25 | $1.1B | $1.0B | ||
| Q1 25 | $1.1B | $1.2B | ||
| Q4 24 | $1.3B | $826.8M | ||
| Q3 24 | $1.8B | $1.3B | ||
| Q2 24 | $771.0M | $1.3B |
总债务CINFWSM
| Q1 26 | $816.0M | — | ||
| 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 | — |
股东权益CINFWSM
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.9B | $2.1B | ||
| Q3 25 | $15.4B | $2.1B | ||
| Q2 25 | $14.3B | $2.2B | ||
| Q1 25 | $13.7B | $2.1B | ||
| Q4 24 | $13.9B | $1.9B | ||
| Q3 24 | $13.8B | $2.3B | ||
| Q2 24 | $12.8B | $2.2B |
总资产CINFWSM
| Q1 26 | $41.2B | — | ||
| Q4 25 | $41.0B | $5.3B | ||
| Q3 25 | $40.6B | $5.2B | ||
| Q2 25 | $38.8B | $5.2B | ||
| Q1 25 | $37.3B | $5.3B | ||
| Q4 24 | $36.5B | $5.0B | ||
| Q3 24 | $37.0B | $5.2B | ||
| Q2 24 | $34.8B | $5.2B |
负债/权益比CINFWSM
| Q1 26 | 0.05× | — | ||
| 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× | — |
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 | — | $316.3M |
| 自由现金流经营现金流 - 资本支出 | — | $248.1M |
| 自由现金流率自由现金流/营收 | — | 13.2% |
| 资本支出强度资本支出/营收 | — | 3.6% |
| 现金转化率经营现金流/净利润 | — | 1.31× |
| 过去12个月自由现金流最近4个季度 | — | $1.1B |
8季度趋势，按日历期对齐
经营现金流CINFWSM
| Q1 26 | — | — | ||
| Q4 25 | $947.0M | $316.3M | ||
| Q3 25 | $1.1B | $282.7M | ||
| Q2 25 | $741.0M | $118.9M | ||
| Q1 25 | $310.0M | $633.5M | ||
| Q4 24 | $642.0M | $253.5M | ||
| Q3 24 | $912.0M | $246.5M | ||
| Q2 24 | $742.0M | $226.8M |
自由现金流CINFWSM
| Q1 26 | — | — | ||
| Q4 25 | $939.0M | $248.1M | ||
| Q3 25 | $1.1B | $230.7M | ||
| Q2 25 | $737.0M | $60.7M | ||
| Q1 25 | $307.0M | $566.3M | ||
| Q4 24 | $638.0M | $170.1M | ||
| Q3 24 | $906.0M | $215.1M | ||
| Q2 24 | $737.0M | $187.3M |
自由现金流率CINFWSM
| Q1 26 | — | — | ||
| Q4 25 | 30.4% | 13.2% | ||
| Q3 25 | 29.8% | 12.6% | ||
| Q2 25 | 22.7% | 3.5% | ||
| Q1 25 | 12.0% | 23.0% | ||
| Q4 24 | 25.1% | 9.4% | ||
| Q3 24 | 27.3% | 12.0% | ||
| Q2 24 | 29.0% | 11.3% |
资本支出强度CINFWSM
| Q1 26 | — | — | ||
| Q4 25 | 0.3% | 3.6% | ||
| Q3 25 | 0.1% | 2.8% | ||
| Q2 25 | 0.1% | 3.4% | ||
| Q1 25 | 0.1% | 2.7% | ||
| Q4 24 | 0.2% | 4.6% | ||
| Q3 24 | 0.2% | 1.8% | ||
| Q2 24 | 0.2% | 2.4% |
现金转化率CINFWSM
| Q1 26 | — | — | ||
| Q4 25 | 1.40× | 1.31× | ||
| Q3 25 | 0.99× | 1.14× | ||
| Q2 25 | 1.08× | 0.51× | ||
| Q1 25 | — | 1.65× | ||
| Q4 24 | 1.59× | 1.02× | ||
| Q3 24 | 1.11× | 1.09× | ||
| Q2 24 | 2.38× | 0.85× |
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% |
WSM
暂无分部数据
