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CNO Financial Group, Inc.（CNO）与罗致恒富（RHI）财务数据对比。点击上方公司名可切换其他公司
罗致恒富的季度营收约是CNO Financial Group, Inc.的1.1倍（$1.3B vs $1.1B），CNO Financial Group, Inc.同比增速更快（4.2% vs -5.8%），过去两年CNO Financial Group, Inc.的营收复合增速更高（-0.6% vs -6.1%）
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。
罗致恒富是1948年成立的国际人力资源咨询机构，总部位于加利福尼亚州门洛帕克和圣拉蒙，是全球规模领先的会计与金融领域人才派遣服务商之一，在全球范围内设有超过345个办公点。
CNO vs RHI — 直观对比
营收规模更大
RHI
是对方的1.1倍
$1.1B
营收增速更快
CNO
高出10.0%
-5.8%
两年增速更快
CNO
近两年复合增速
-6.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.3B |
| 净利润 | $100.7M | — |
| 毛利率 | — | 37.6% |
| 营业利润率 | 15.2% | 1.7% |
| 净利率 | 8.8% | — |
| 营收同比 | 4.2% | -5.8% |
| 净利润同比 | -39.4% | — |
| 每股收益（稀释后） | $1.02 | $0.32 |
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CNORHI
| Q4 25 | $1.1B | $1.3B | ||
| Q3 25 | $1.2B | $1.4B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.0B | $1.4B | ||
| Q4 24 | $1.1B | $1.4B | ||
| Q3 24 | $1.1B | $1.5B | ||
| Q2 24 | $1.1B | $1.5B | ||
| Q1 24 | $1.2B | $1.5B |
净利润CNORHI
| Q4 25 | $100.7M | — | ||
| Q3 25 | $23.1M | $42.9M | ||
| Q2 25 | $91.8M | $41.0M | ||
| Q1 25 | $13.7M | $17.4M | ||
| Q4 24 | $166.1M | — | ||
| Q3 24 | $9.3M | $65.5M | ||
| Q2 24 | $116.3M | $68.2M | ||
| Q1 24 | $112.3M | $63.7M |
毛利率CNORHI
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 37.2% | ||
| Q2 25 | — | 37.2% | ||
| Q1 25 | — | 36.9% | ||
| Q4 24 | — | 38.8% | ||
| Q3 24 | — | 39.0% | ||
| Q2 24 | — | 39.2% | ||
| Q1 24 | — | 38.1% |
营业利润率CNORHI
| Q4 25 | 15.2% | 1.7% | ||
| Q3 25 | 13.7% | 1.0% | ||
| Q2 25 | 9.8% | 0.1% | ||
| Q1 25 | 10.4% | 2.9% | ||
| Q4 24 | 15.8% | 4.7% | ||
| Q3 24 | 13.6% | 4.1% | ||
| Q2 24 | 13.9% | 5.1% | ||
| Q1 24 | 6.5% | 2.8% |
净利率CNORHI
| Q4 25 | 8.8% | — | ||
| Q3 25 | 1.9% | 3.2% | ||
| Q2 25 | 8.0% | 3.0% | ||
| Q1 25 | 1.4% | 1.3% | ||
| Q4 24 | 15.1% | — | ||
| Q3 24 | 0.8% | 4.5% | ||
| Q2 24 | 10.9% | 4.6% | ||
| Q1 24 | 9.7% | 4.3% |
每股收益（稀释后）CNORHI
| Q4 25 | $1.02 | $0.32 | ||
| Q3 25 | $0.24 | $0.43 | ||
| Q2 25 | $0.91 | $0.41 | ||
| Q1 25 | $0.13 | $0.17 | ||
| Q4 24 | $1.58 | $0.53 | ||
| Q3 24 | $0.09 | $0.64 | ||
| Q2 24 | $1.06 | $0.66 | ||
| Q1 24 | $1.01 | $0.61 |
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 | — | $464.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.6B | $1.3B |
| 总资产 | $38.8B | $2.9B |
| 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CNORHI
| Q4 25 | — | $464.4M | ||
| Q3 25 | — | $365.3M | ||
| Q2 25 | — | $380.5M | ||
| Q1 25 | — | $342.5M | ||
| Q4 24 | — | $537.6M | ||
| Q3 24 | — | $570.5M | ||
| Q2 24 | — | $547.4M | ||
| Q1 24 | — | $540.9M |
股东权益CNORHI
| Q4 25 | $2.6B | $1.3B | ||
| Q3 25 | $2.6B | $1.3B | ||
| Q2 25 | $2.5B | $1.3B | ||
| Q1 25 | $2.5B | $1.3B | ||
| Q4 24 | $2.5B | $1.4B | ||
| Q3 24 | $2.7B | $1.5B | ||
| Q2 24 | $2.4B | $1.5B | ||
| Q1 24 | $2.4B | $1.5B |
总资产CNORHI
| Q4 25 | $38.8B | $2.9B | ||
| Q3 25 | $38.3B | $2.8B | ||
| Q2 25 | $37.3B | $2.8B | ||
| Q1 25 | $37.4B | $2.7B | ||
| Q4 24 | $37.9B | $2.9B | ||
| Q3 24 | $37.6B | $3.0B | ||
| Q2 24 | $36.3B | $2.9B | ||
| Q1 24 | $34.9B | $2.9B |
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 | $182.5M |
| 自由现金流经营现金流 - 资本支出 | — | $170.8M |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 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 | — | $266.8M |
8季度趋势，按日历期对齐
经营现金流CNORHI
| Q4 25 | $195.7M | $182.5M | ||
| Q3 25 | $197.8M | $77.4M | ||
| Q2 25 | $145.5M | $119.4M | ||
| Q1 25 | $136.7M | $-59.3M | ||
| Q4 24 | $191.0M | $154.8M | ||
| Q3 24 | $231.2M | $129.6M | ||
| Q2 24 | $110.9M | $142.0M | ||
| Q1 24 | $94.6M | $-15.9M |
自由现金流CNORHI
| Q4 25 | — | $170.8M | ||
| Q3 25 | — | $63.6M | ||
| Q2 25 | — | $104.2M | ||
| Q1 25 | — | $-71.7M | ||
| Q4 24 | — | $140.5M | ||
| Q3 24 | — | $111.8M | ||
| Q2 24 | — | $129.6M | ||
| Q1 24 | — | $-27.7M |
自由现金流率CNORHI
| Q4 25 | — | 13.1% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 7.6% | ||
| Q1 25 | — | -5.3% | ||
| Q4 24 | — | 10.2% | ||
| Q3 24 | — | 7.6% | ||
| Q2 24 | — | 8.8% | ||
| Q1 24 | — | -1.9% |
资本支出强度CNORHI
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 0.8% |
现金转化率CNORHI
| Q4 25 | 1.94× | — | ||
| Q3 25 | 8.56× | 1.80× | ||
| Q2 25 | 1.58× | 2.91× | ||
| Q1 25 | 9.98× | -3.42× | ||
| Q4 24 | 1.15× | — | ||
| Q3 24 | 24.86× | 1.98× | ||
| Q2 24 | 0.95× | 2.08× | ||
| Q1 24 | 0.84× | -0.25× |
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% |
RHI
| Finance And Accounting | $535.2M | 41% |
| Protiviti | $479.0M | 37% |
| Technology | $156.4M | 12% |
| Permanent Placement Talent Solutions | $102.6M | 8% |
| Other | $29.2M | 2% |
