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CNO Financial Group, Inc.（CNO）与Masco（MAS）财务数据对比。点击上方公司名可切换其他公司
Masco的季度营收约是CNO Financial Group, Inc.的1.7倍（$1.9B vs $1.1B），Masco净利率更高（11.9% vs 8.8%，领先3.1%），Masco同比增速更快（6.5% vs 4.2%），过去两年CNO Financial Group, Inc.的营收复合增速更高（-0.6% vs -4.2%）
CNO金融集团是总部位于美国印第安纳州卡梅尔的金融服务控股公司，前身为康塞科公司。集团旗下保险子公司为美国超400万客户提供人寿保险、年金和补充健康保险产品，通过独立代理人、专属代理人，以及电视广告、直邮等直销触达用户。
美国家居建材企业Masco主营家装及新建住宅市场相关产品，旗下拥有20余家子公司，在全球运营近80座生产工厂，其中美国本土近60座，海外地区超20座。公司1969年于纽交所挂牌上市，后实现快速增长，成功跻身美国财富500强榜单。
CNO vs MAS — 直观对比
营收规模更大
MAS
是对方的1.7倍
$1.1B
营收增速更快
MAS
高出2.3%
4.2%
净利率更高
MAS
高出3.1%
8.8%
两年增速更快
CNO
近两年复合增速
-4.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.9B |
| 净利润 | $100.7M | $228.0M |
| 毛利率 | — | 35.8% |
| 营业利润率 | 15.2% | 16.5% |
| 净利率 | 8.8% | 11.9% |
| 营收同比 | 4.2% | 6.5% |
| 净利润同比 | -39.4% | 14.5% |
| 每股收益（稀释后） | $1.02 | — |
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CNOMAS
| Q1 26 | — | $1.9B | ||
| Q4 25 | $1.1B | $1.8B | ||
| Q3 25 | $1.2B | $1.9B | ||
| Q2 25 | $1.2B | $2.1B | ||
| Q1 25 | $1.0B | $1.8B | ||
| Q4 24 | $1.1B | $1.8B | ||
| Q3 24 | $1.1B | $2.0B | ||
| Q2 24 | $1.1B | $2.1B |
净利润CNOMAS
| Q1 26 | — | $228.0M | ||
| Q4 25 | $100.7M | $165.0M | ||
| Q3 25 | $23.1M | $189.0M | ||
| Q2 25 | $91.8M | $270.0M | ||
| Q1 25 | $13.7M | $186.0M | ||
| Q4 24 | $166.1M | $182.0M | ||
| Q3 24 | $9.3M | $167.0M | ||
| Q2 24 | $116.3M | $258.0M |
毛利率CNOMAS
| Q1 26 | — | 35.8% | ||
| Q4 25 | — | 33.9% | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | 37.6% | ||
| Q1 25 | — | 35.8% | ||
| Q4 24 | — | 34.8% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 37.5% |
营业利润率CNOMAS
| Q1 26 | — | 16.5% | ||
| Q4 25 | 15.2% | 13.8% | ||
| Q3 25 | 13.7% | 15.8% | ||
| Q2 25 | 9.8% | 20.1% | ||
| Q1 25 | 10.4% | 15.9% | ||
| Q4 24 | 15.8% | 15.9% | ||
| Q3 24 | 13.6% | 18.0% | ||
| Q2 24 | 13.9% | 19.0% |
净利率CNOMAS
| Q1 26 | — | 11.9% | ||
| Q4 25 | 8.8% | 9.2% | ||
| Q3 25 | 1.9% | 9.9% | ||
| Q2 25 | 8.0% | 13.2% | ||
| Q1 25 | 1.4% | 10.3% | ||
| Q4 24 | 15.1% | 10.0% | ||
| Q3 24 | 0.8% | 8.4% | ||
| Q2 24 | 10.9% | 12.3% |
每股收益（稀释后）CNOMAS
| Q1 26 | — | — | ||
| Q4 25 | $1.02 | $0.81 | ||
| Q3 25 | $0.24 | $0.90 | ||
| Q2 25 | $0.91 | $1.28 | ||
| Q1 25 | $0.13 | $0.87 | ||
| Q4 24 | $1.58 | $0.85 | ||
| Q3 24 | $0.09 | $0.77 | ||
| Q2 24 | $1.06 | $1.17 |
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 | — | — |
| 总债务越低越好 | — | $2.9B |
| 股东权益账面价值 | $2.6B | $27.0M |
| 总资产 | $38.8B | $5.2B |
| 负债/权益比越低杠杆越低 | — | 109.07× |
8季度趋势，按日历期对齐
现金及短期投资CNOMAS
| Q1 26 | — | — | ||
| Q4 25 | — | $647.0M | ||
| Q3 25 | — | $559.0M | ||
| Q2 25 | — | $390.0M | ||
| Q1 25 | — | $377.0M | ||
| Q4 24 | — | $634.0M | ||
| Q3 24 | — | $646.0M | ||
| Q2 24 | — | $398.0M |
总债务CNOMAS
| Q1 26 | — | $2.9B | ||
| Q4 25 | — | $2.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $2.9B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CNOMAS
| Q1 26 | — | $27.0M | ||
| Q4 25 | $2.6B | $-185.0M | ||
| Q3 25 | $2.6B | $-78.0M | ||
| Q2 25 | $2.5B | $-84.0M | ||
| Q1 25 | $2.5B | $-254.0M | ||
| Q4 24 | $2.5B | $-279.0M | ||
| Q3 24 | $2.7B | $-88.0M | ||
| Q2 24 | $2.4B | $-26.0M |
总资产CNOMAS
| Q1 26 | — | $5.2B | ||
| Q4 25 | $38.8B | $5.2B | ||
| Q3 25 | $38.3B | $5.3B | ||
| Q2 25 | $37.3B | $5.3B | ||
| Q1 25 | $37.4B | $5.1B | ||
| Q4 24 | $37.9B | $5.0B | ||
| Q3 24 | $37.6B | $5.3B | ||
| Q2 24 | $36.3B | $5.4B |
负债/权益比CNOMAS
| Q1 26 | — | 109.07× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $195.7M | — |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 1.8% |
| 现金转化率经营现金流/净利润 | 1.94× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CNOMAS
| Q1 26 | — | — | ||
| Q4 25 | $195.7M | $418.0M | ||
| Q3 25 | $197.8M | $456.0M | ||
| Q2 25 | $145.5M | $306.0M | ||
| Q1 25 | $136.7M | $-158.0M | ||
| Q4 24 | $191.0M | $407.0M | ||
| Q3 24 | $231.2M | $416.0M | ||
| Q2 24 | $110.9M | $346.0M |
自由现金流CNOMAS
| Q1 26 | — | — | ||
| Q4 25 | — | $371.0M | ||
| Q3 25 | — | $415.0M | ||
| Q2 25 | — | $270.0M | ||
| Q1 25 | — | $-190.0M | ||
| Q4 24 | — | $351.0M | ||
| Q3 24 | — | $378.0M | ||
| Q2 24 | — | $303.0M |
自由现金流率CNOMAS
| Q1 26 | — | — | ||
| Q4 25 | — | 20.7% | ||
| Q3 25 | — | 21.6% | ||
| Q2 25 | — | 13.2% | ||
| Q1 25 | — | -10.5% | ||
| Q4 24 | — | 19.2% | ||
| Q3 24 | — | 19.1% | ||
| Q2 24 | — | 14.5% |
资本支出强度CNOMAS
| Q1 26 | — | 1.8% | ||
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 2.1% |
现金转化率CNOMAS
| Q1 26 | — | — | ||
| Q4 25 | 1.94× | 2.53× | ||
| Q3 25 | 8.56× | 2.41× | ||
| Q2 25 | 1.58× | 1.13× | ||
| Q1 25 | 9.98× | -0.85× | ||
| Q4 24 | 1.15× | 2.24× | ||
| Q3 24 | 24.86× | 2.49× | ||
| Q2 24 | 0.95× | 1.34× |
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
CNO
| Health Insurance Product Line | $496.4M | 43% |
| Life Insurance Segment | $268.8M | 24% |
| Other | $207.2M | 18% |
| Life And Annuity Insurance Product Line | $170.7M | 15% |
MAS
暂无分部数据
