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CNA FINANCIAL CORP（CNA）与RENAISSANCERE HOLDINGS LTD（RNR）财务数据对比。点击上方公司名可切换其他公司
RENAISSANCERE HOLDINGS LTD的季度营收约是CNA FINANCIAL CORP的7.6倍（$3.0B vs $389.0M）。CNA FINANCIAL CORP净利率更高（77.6% vs 25.6%，领先52.1%）。RENAISSANCERE HOLDINGS LTD同比增速更快（29.6% vs -2.0%）。过去两年RENAISSANCERE HOLDINGS LTD的营收复合增速更高（6.9% vs -2.2%）
CNA金融公司是总部位于美国伊利诺伊州芝加哥的金融企业，旗下核心子公司大陆意外伤害保险公司成立于1897年，大陆保险公司的历史则可追溯至1853年，当前母公司CNA于1967年正式注册成立，在保险及金融服务领域拥有深厚的行业积淀。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
CNA vs RNR — 直观对比
营收规模更大
RNR
是对方的7.6倍
$389.0M
营收增速更快
RNR
高出31.6%
-2.0%
净利率更高
CNA
高出52.1%
25.6%
两年增速更快
RNR
近两年复合增速
-2.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $389.0M | $3.0B |
| 净利润 | $302.0M | $760.5M |
| 毛利率 | — | — |
| 营业利润率 | 97.2% | 42.5% |
| 净利率 | 77.6% | 25.6% |
| 营收同比 | -2.0% | 29.6% |
| 净利润同比 | 1338.1% | 501.0% |
| 每股收益（稀释后） | $1.11 | $16.16 |
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CNARNR
| Q4 25 | $389.0M | $3.0B | ||
| Q3 25 | $393.0M | $3.2B | ||
| Q2 25 | $398.0M | $3.2B | ||
| Q1 25 | $397.0M | $3.5B | ||
| Q4 24 | $397.0M | $2.3B | ||
| Q3 24 | $401.0M | $4.0B | ||
| Q2 24 | $404.0M | $2.8B | ||
| Q1 24 | $407.0M | $2.6B |
净利润CNARNR
| Q4 25 | $302.0M | $760.5M | ||
| Q3 25 | $403.0M | $916.5M | ||
| Q2 25 | $299.0M | $835.4M | ||
| Q1 25 | $274.0M | $170.0M | ||
| Q4 24 | $21.0M | $-189.7M | ||
| Q3 24 | $283.0M | $1.2B | ||
| Q2 24 | $317.0M | $503.9M | ||
| Q1 24 | $338.0M | $373.6M |
营业利润率CNARNR
| Q4 25 | 97.2% | 42.5% | ||
| Q3 25 | — | 46.3% | ||
| Q2 25 | 95.5% | 41.8% | ||
| Q1 25 | 87.9% | -2.0% | ||
| Q4 24 | 5.3% | -3.6% | ||
| Q3 24 | 90.0% | 43.7% | ||
| Q2 24 | 99.5% | 25.0% | ||
| Q1 24 | — | 24.4% |
净利率CNARNR
| Q4 25 | 77.6% | 25.6% | ||
| Q3 25 | 102.5% | 28.7% | ||
| Q2 25 | 75.1% | 26.1% | ||
| Q1 25 | 69.0% | 4.9% | ||
| Q4 24 | 5.3% | -8.3% | ||
| Q3 24 | 70.6% | 29.8% | ||
| Q2 24 | 78.5% | 17.8% | ||
| Q1 24 | 83.0% | 14.4% |
每股收益（稀释后）CNARNR
| Q4 25 | $1.11 | $16.16 | ||
| Q3 25 | $1.48 | $19.40 | ||
| Q2 25 | $1.10 | $17.20 | ||
| Q1 25 | $1.00 | $3.27 | ||
| Q4 24 | $0.07 | $-3.76 | ||
| Q3 24 | $1.04 | $22.62 | ||
| Q2 24 | $1.17 | $9.41 | ||
| Q1 24 | $1.24 | $6.94 |
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 | — | $1.7B |
| 总债务越低越好 | $3.0B | $2.3B |
| 股东权益账面价值 | $11.6B | $11.6B |
| 总资产 | $69.4B | $53.8B |
| 负债/权益比越低杠杆越低 | 0.26× | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资CNARNR
| Q4 25 | — | $1.7B | ||
| Q3 25 | — | $1.7B | ||
| Q2 25 | — | $1.4B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | — | $1.6B | ||
| Q1 24 | — | $1.6B |
总债务CNARNR
| Q4 25 | $3.0B | $2.3B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $2.3B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | $3.0B | $1.9B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $1.9B |
股东权益CNARNR
| Q4 25 | $11.6B | $11.6B | ||
| Q3 25 | $11.3B | $11.5B | ||
| Q2 25 | $10.7B | $10.8B | ||
| Q1 25 | $10.3B | $10.3B | ||
| Q4 24 | $10.5B | $10.6B | ||
| Q3 24 | $10.8B | $11.2B | ||
| Q2 24 | $9.9B | $10.2B | ||
| Q1 24 | $9.7B | $9.8B |
总资产CNARNR
| Q4 25 | $69.4B | $53.8B | ||
| Q3 25 | $69.8B | $54.5B | ||
| Q2 25 | $68.9B | $54.7B | ||
| Q1 25 | $67.3B | $53.6B | ||
| Q4 24 | $66.5B | $50.7B | ||
| Q3 24 | $67.4B | $52.8B | ||
| Q2 24 | $65.2B | $51.6B | ||
| Q1 24 | $65.1B | $50.9B |
负债/权益比CNARNR
| Q4 25 | 0.26× | 0.20× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.21× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | 0.28× | 0.18× | ||
| Q3 24 | — | 0.17× | ||
| Q2 24 | — | 0.19× | ||
| Q1 24 | — | 0.19× |
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 | $570.0M | $483.0M |
| 自由现金流经营现金流 - 资本支出 | $542.0M | — |
| 自由现金流率自由现金流/营收 | 139.3% | — |
| 资本支出强度资本支出/营收 | 7.2% | — |
| 现金转化率经营现金流/净利润 | 1.89× | 0.64× |
| 过去12个月自由现金流最近4个季度 | $2.4B | — |
8季度趋势，按日历期对齐
经营现金流CNARNR
| Q4 25 | $570.0M | $483.0M | ||
| Q3 25 | $720.0M | $1.6B | ||
| Q2 25 | $562.0M | $1.5B | ||
| Q1 25 | $638.0M | $157.8M | ||
| Q4 24 | $703.0M | $778.9M | ||
| Q3 24 | $748.0M | $1.5B | ||
| Q2 24 | $616.0M | $1.2B | ||
| Q1 24 | $504.0M | $683.5M |
自由现金流CNARNR
| Q4 25 | $542.0M | — | ||
| Q3 25 | $704.0M | — | ||
| Q2 25 | $538.0M | — | ||
| Q1 25 | $620.0M | — | ||
| Q4 24 | $665.0M | — | ||
| Q3 24 | $730.0M | — | ||
| Q2 24 | $597.0M | — | ||
| Q1 24 | $484.0M | — |
自由现金流率CNARNR
| Q4 25 | 139.3% | — | ||
| Q3 25 | 179.1% | — | ||
| Q2 25 | 135.2% | — | ||
| Q1 25 | 156.2% | — | ||
| Q4 24 | 167.5% | — | ||
| Q3 24 | 182.0% | — | ||
| Q2 24 | 147.8% | — | ||
| Q1 24 | 118.9% | — |
资本支出强度CNARNR
| Q4 25 | 7.2% | — | ||
| Q3 25 | 4.1% | — | ||
| Q2 25 | 6.0% | — | ||
| Q1 25 | 4.5% | — | ||
| Q4 24 | 9.6% | — | ||
| Q3 24 | 4.5% | — | ||
| Q2 24 | 4.7% | — | ||
| Q1 24 | 4.9% | — |
现金转化率CNARNR
| Q4 25 | 1.89× | 0.64× | ||
| Q3 25 | 1.79× | 1.73× | ||
| Q2 25 | 1.88× | 1.76× | ||
| Q1 25 | 2.33× | 0.93× | ||
| Q4 24 | 33.48× | — | ||
| Q3 24 | 2.64× | 1.26× | ||
| Q2 24 | 1.94× | 2.41× | ||
| Q1 24 | 1.49× | 1.83× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
