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CNO Financial Group, Inc.（CNO）与梅特勒-托利多（MTD）财务数据对比。点击上方公司名可切换其他公司
CNO Financial Group, Inc.的季度营收约是梅特勒-托利多的1.0倍（$1.1B vs $1.1B），梅特勒-托利多净利率更高（25.3% vs 8.8%，领先16.5%），梅特勒-托利多同比增速更快（8.1% vs 4.2%），过去两年梅特勒-托利多的营收复合增速更高（10.5% vs -0.6%）
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。
梅特勒-托利多是全球知名的精密仪器及服务跨国供应商，业务覆盖实验室、工业生产、产品检测、食品零售等应用场景，旗下产品广泛应用于生命科学、食品、化工等众多行业的科研、质量管控及生产制造环节。
CNO vs MTD — 直观对比
营收规模更大
CNO
是对方的1.0倍
$1.1B
营收增速更快
MTD
高出3.9%
4.2%
净利率更高
MTD
高出16.5%
8.8%
两年增速更快
MTD
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.1B |
| 净利润 | $100.7M | $285.8M |
| 毛利率 | — | 59.8% |
| 营业利润率 | 15.2% | 29.1% |
| 净利率 | 8.8% | 25.3% |
| 营收同比 | 4.2% | 8.1% |
| 净利润同比 | -39.4% | 13.3% |
| 每股收益（稀释后） | $1.02 | $13.91 |
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CNOMTD
| Q4 25 | $1.1B | $1.1B | ||
| Q3 25 | $1.2B | $1.0B | ||
| Q2 25 | $1.2B | $983.2M | ||
| Q1 25 | $1.0B | $883.7M | ||
| Q4 24 | $1.1B | $1.0B | ||
| Q3 24 | $1.1B | $954.5M | ||
| Q2 24 | $1.1B | $946.8M | ||
| Q1 24 | $1.2B | $925.9M |
净利润CNOMTD
| Q4 25 | $100.7M | $285.8M | ||
| Q3 25 | $23.1M | $217.5M | ||
| Q2 25 | $91.8M | $202.3M | ||
| Q1 25 | $13.7M | $163.6M | ||
| Q4 24 | $166.1M | $252.3M | ||
| Q3 24 | $9.3M | $211.5M | ||
| Q2 24 | $116.3M | $221.8M | ||
| Q1 24 | $112.3M | $177.5M |
毛利率CNOMTD
| Q4 25 | — | 59.8% | ||
| Q3 25 | — | 59.2% | ||
| Q2 25 | — | 59.0% | ||
| Q1 25 | — | 59.5% | ||
| Q4 24 | — | 61.2% | ||
| Q3 24 | — | 60.0% | ||
| Q2 24 | — | 59.7% | ||
| Q1 24 | — | 59.2% |
营业利润率CNOMTD
| Q4 25 | 15.2% | 29.1% | ||
| Q3 25 | 13.7% | 26.1% | ||
| Q2 25 | 9.8% | 25.3% | ||
| Q1 25 | 10.4% | 22.9% | ||
| Q4 24 | 15.8% | 30.1% | ||
| Q3 24 | 13.6% | 27.1% | ||
| Q2 24 | 13.9% | 25.7% | ||
| Q1 24 | 6.5% | 23.8% |
净利率CNOMTD
| Q4 25 | 8.8% | 25.3% | ||
| Q3 25 | 1.9% | 21.1% | ||
| Q2 25 | 8.0% | 20.6% | ||
| Q1 25 | 1.4% | 18.5% | ||
| Q4 24 | 15.1% | 24.1% | ||
| Q3 24 | 0.8% | 22.2% | ||
| Q2 24 | 10.9% | 23.4% | ||
| Q1 24 | 9.7% | 19.2% |
每股收益（稀释后）CNOMTD
| Q4 25 | $1.02 | $13.91 | ||
| Q3 25 | $0.24 | $10.57 | ||
| Q2 25 | $0.91 | $9.76 | ||
| Q1 25 | $0.13 | $7.81 | ||
| Q4 24 | $1.58 | $11.91 | ||
| Q3 24 | $0.09 | $9.96 | ||
| Q2 24 | $1.06 | $10.37 | ||
| Q1 24 | $1.01 | $8.24 |
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 | — | $2.1B |
| 股东权益账面价值 | $2.6B | $-23.6M |
| 总资产 | $38.8B | $3.7B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CNOMTD
| Q4 25 | — | — | ||
| Q3 25 | — | $69.1M | ||
| Q2 25 | — | $61.8M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $59.4M | ||
| Q3 24 | — | $71.6M | ||
| Q2 24 | — | $70.8M | ||
| Q1 24 | — | — |
总债务CNOMTD
| Q4 25 | — | $2.1B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | — | $2.1B | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.8B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | — |
股东权益CNOMTD
| Q4 25 | $2.6B | $-23.6M | ||
| Q3 25 | $2.6B | $-249.2M | ||
| Q2 25 | $2.5B | $-258.8M | ||
| Q1 25 | $2.5B | $-182.0M | ||
| Q4 24 | $2.5B | $-126.9M | ||
| Q3 24 | $2.7B | $-154.4M | ||
| Q2 24 | $2.4B | $-152.8M | ||
| Q1 24 | $2.4B | $-158.7M |
总资产CNOMTD
| Q4 25 | $38.8B | $3.7B | ||
| Q3 25 | $38.3B | $3.5B | ||
| Q2 25 | $37.3B | $3.4B | ||
| Q1 25 | $37.4B | $3.2B | ||
| Q4 24 | $37.9B | $3.2B | ||
| Q3 24 | $37.6B | $3.3B | ||
| Q2 24 | $36.3B | $3.2B | ||
| Q1 24 | $34.9B | $3.3B |
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 | $225.6M |
| 自由现金流经营现金流 - 资本支出 | — | $184.1M |
| 自由现金流率自由现金流/营收 | — | 16.3% |
| 资本支出强度资本支出/营收 | — | 3.7% |
| 现金转化率经营现金流/净利润 | 1.94× | 0.79× |
| 过去12个月自由现金流最近4个季度 | — | $848.6M |
8季度趋势，按日历期对齐
经营现金流CNOMTD
| Q4 25 | $195.7M | $225.6M | ||
| Q3 25 | $197.8M | $299.4M | ||
| Q2 25 | $145.5M | $236.4M | ||
| Q1 25 | $136.7M | $194.4M | ||
| Q4 24 | $191.0M | $266.2M | ||
| Q3 24 | $231.2M | $254.7M | ||
| Q2 24 | $110.9M | $257.5M | ||
| Q1 24 | $94.6M | $190.0M |
自由现金流CNOMTD
| Q4 25 | — | $184.1M | ||
| Q3 25 | — | $274.9M | ||
| Q2 25 | — | $212.5M | ||
| Q1 25 | — | $177.2M | ||
| Q4 24 | — | $224.9M | ||
| Q3 24 | — | $233.2M | ||
| Q2 24 | — | $233.7M | ||
| Q1 24 | — | $172.6M |
自由现金流率CNOMTD
| Q4 25 | — | 16.3% | ||
| Q3 25 | — | 26.7% | ||
| Q2 25 | — | 21.6% | ||
| Q1 25 | — | 20.1% | ||
| Q4 24 | — | 21.5% | ||
| Q3 24 | — | 24.4% | ||
| Q2 24 | — | 24.7% | ||
| Q1 24 | — | 18.6% |
资本支出强度CNOMTD
| Q4 25 | — | 3.7% | ||
| Q3 25 | — | 2.4% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 3.9% | ||
| Q3 24 | — | 2.2% | ||
| Q2 24 | — | 2.5% | ||
| Q1 24 | — | 1.9% |
现金转化率CNOMTD
| Q4 25 | 1.94× | 0.79× | ||
| Q3 25 | 8.56× | 1.38× | ||
| Q2 25 | 1.58× | 1.17× | ||
| Q1 25 | 9.98× | 1.19× | ||
| Q4 24 | 1.15× | 1.06× | ||
| Q3 24 | 24.86× | 1.20× | ||
| Q2 24 | 0.95× | 1.16× | ||
| Q1 24 | 0.84× | 1.07× |
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% |
MTD
| Products | $857.0M | 76% |
| Services | $272.8M | 24% |
