vs
CNO Financial Group, Inc.（CNO）与上海建工集团（NOA）财务数据对比。点击上方公司名可切换其他公司
CNO Financial Group, Inc.的季度营收约是上海建工集团的1.3倍（$1.1B vs $860.2M），CNO Financial Group, Inc.净利率更高（8.8% vs 4.7%，领先4.1%），过去两年上海建工集团的营收复合增速更高（58.0% 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。
上海建工集团是中国知名建筑工程企业，凭借优异的经营规模与工程实力，在2011年以营业收入统计位居全球建筑企业第16位，业务覆盖国内外众多大型建筑工程项目领域。
CNO vs NOA — 直观对比
营收规模更大
CNO
是对方的1.3倍
$860.2M
净利率更高
CNO
高出4.1%
4.7%
两年增速更快
NOA
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $860.2M |
| 净利润 | $100.7M | $40.5M |
| 毛利率 | — | 19.7% |
| 营业利润率 | 15.2% | 15.4% |
| 净利率 | 8.8% | 4.7% |
| 营收同比 | 4.2% | — |
| 净利润同比 | -39.4% | — |
| 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CNONOA
| Q4 25 | $1.1B | — | ||
| Q3 25 | $1.2B | $860.2M | ||
| Q2 25 | $1.2B | $573.3M | ||
| Q1 25 | $1.0B | $297.0M | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.1B | $636.4M | ||
| Q2 24 | $1.1B | $439.5M | ||
| Q1 24 | $1.2B | $244.3M |
净利润CNONOA
| Q4 25 | $100.7M | — | ||
| Q3 25 | $23.1M | $40.5M | ||
| Q2 25 | $91.8M | $26.0M | ||
| Q1 25 | $13.7M | $11.5M | ||
| Q4 24 | $166.1M | — | ||
| Q3 24 | $9.3M | $45.5M | ||
| Q2 24 | $116.3M | $34.1M | ||
| Q1 24 | $112.3M | $21.8M |
毛利率CNONOA
| Q4 25 | — | — | ||
| Q3 25 | — | 19.7% | ||
| Q2 25 | — | 18.1% | ||
| Q1 25 | — | 18.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 14.0% | ||
| Q2 24 | — | 14.3% | ||
| Q1 24 | — | 16.8% |
营业利润率CNONOA
| Q4 25 | 15.2% | — | ||
| Q3 25 | 13.7% | 15.4% | ||
| Q2 25 | 9.8% | 13.6% | ||
| Q1 25 | 10.4% | 13.0% | ||
| Q4 24 | 15.8% | — | ||
| Q3 24 | 13.6% | 7.9% | ||
| Q2 24 | 13.9% | 8.2% | ||
| Q1 24 | 6.5% | 10.5% |
净利率CNONOA
| Q4 25 | 8.8% | — | ||
| Q3 25 | 1.9% | 4.7% | ||
| Q2 25 | 8.0% | 4.5% | ||
| Q1 25 | 1.4% | 3.9% | ||
| Q4 24 | 15.1% | — | ||
| Q3 24 | 0.8% | 7.1% | ||
| Q2 24 | 10.9% | 7.8% | ||
| Q1 24 | 9.7% | 8.9% |
每股收益（稀释后）CNONOA
| Q4 25 | $1.02 | — | ||
| Q3 25 | $0.24 | — | ||
| Q2 25 | $0.91 | — | ||
| Q1 25 | $0.13 | — | ||
| Q4 24 | $1.58 | — | ||
| Q3 24 | $0.09 | — | ||
| Q2 24 | $1.06 | — | ||
| Q1 24 | $1.01 | — |
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 | — | — |
| 股东权益账面价值 | $2.6B | — |
| 总资产 | $38.8B | $1.7B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
股东权益CNONOA
| Q4 25 | $2.6B | — | ||
| Q3 25 | $2.6B | — | ||
| Q2 25 | $2.5B | — | ||
| Q1 25 | $2.5B | — | ||
| Q4 24 | $2.5B | — | ||
| Q3 24 | $2.7B | — | ||
| Q2 24 | $2.4B | — | ||
| Q1 24 | $2.4B | — |
总资产CNONOA
| Q4 25 | $38.8B | — | ||
| Q3 25 | $38.3B | $1.7B | ||
| Q2 25 | $37.3B | $1.7B | ||
| Q1 25 | $37.4B | $1.7B | ||
| Q4 24 | $37.9B | — | ||
| Q3 24 | $37.6B | $1.5B | ||
| Q2 24 | $36.3B | $1.5B | ||
| Q1 24 | $34.9B | $1.5B |
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 | $140.7M |
| 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 | — | — |
| 现金转化率经营现金流/净利润 | 1.94× | 3.47× |
| 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CNONOA
| Q4 25 | $195.7M | — | ||
| Q3 25 | $197.8M | $140.7M | ||
| Q2 25 | $145.5M | $85.4M | ||
| Q1 25 | $136.7M | $19.0M | ||
| Q4 24 | $191.0M | — | ||
| Q3 24 | $231.2M | $109.5M | ||
| Q2 24 | $110.9M | $72.0M | ||
| Q1 24 | $94.6M | $31.8M |
现金转化率CNONOA
| Q4 25 | 1.94× | — | ||
| Q3 25 | 8.56× | 3.47× | ||
| Q2 25 | 1.58× | 3.28× | ||
| Q1 25 | 9.98× | 1.65× | ||
| Q4 24 | 1.15× | — | ||
| Q3 24 | 24.86× | 2.41× | ||
| Q2 24 | 0.95× | 2.11× | ||
| Q1 24 | 0.84× | 1.46× |
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% |
NOA
暂无分部数据
