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CNO Financial Group, Inc.（CNO）与越洋钻探（RIG）财务数据对比。点击上方公司名可切换其他公司
CNO Financial Group, Inc.的季度营收约是越洋钻探的1.1倍（$1.1B vs $1.0B），CNO Financial Group, Inc.净利率更高（8.8% vs 2.4%，领先6.4%），越洋钻探同比增速更快（9.6% vs 4.2%），过去两年越洋钻探的营收复合增速更高（16.9% 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。
越洋钻探（Transocean Ltd.）是按营收计全球规模最大的海上钻探承包商，总部位于瑞士施泰因豪森，起源于美国，目前在加拿大、美国、挪威、英国、印度、巴西、新加坡等20个国家设有办事机构，业务覆盖全球主要海上油气开采区域。
CNO vs RIG — 直观对比
营收规模更大
CNO
是对方的1.1倍
$1.0B
营收增速更快
RIG
高出5.4%
4.2%
净利率更高
CNO
高出6.4%
2.4%
两年增速更快
RIG
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.0B |
| 净利润 | $100.7M | $25.0M |
| 毛利率 | — | 42.0% |
| 营业利润率 | 15.2% | 23.0% |
| 净利率 | 8.8% | 2.4% |
| 营收同比 | 4.2% | 9.6% |
| 净利润同比 | -39.4% | 257.1% |
| 每股收益（稀释后） | $1.02 | $0.13 |
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CNORIG
| Q4 25 | $1.1B | $1.0B | ||
| Q3 25 | $1.2B | $1.0B | ||
| Q2 25 | $1.2B | $988.0M | ||
| Q1 25 | $1.0B | $906.0M | ||
| Q4 24 | $1.1B | $952.0M | ||
| Q3 24 | $1.1B | $948.0M | ||
| Q2 24 | $1.1B | $861.0M | ||
| Q1 24 | $1.2B | $763.0M |
净利润CNORIG
| Q4 25 | $100.7M | $25.0M | ||
| Q3 25 | $23.1M | $-1.9B | ||
| Q2 25 | $91.8M | $-938.0M | ||
| Q1 25 | $13.7M | $-79.0M | ||
| Q4 24 | $166.1M | $7.0M | ||
| Q3 24 | $9.3M | $-494.0M | ||
| Q2 24 | $116.3M | $-123.0M | ||
| Q1 24 | $112.3M | $98.0M |
毛利率CNORIG
| Q4 25 | — | 42.0% | ||
| Q3 25 | — | 43.2% | ||
| Q2 25 | — | 39.4% | ||
| Q1 25 | — | 31.8% | ||
| Q4 24 | — | 39.2% | ||
| Q3 24 | — | 40.6% | ||
| Q2 24 | — | 38.0% | ||
| Q1 24 | — | 31.5% |
营业利润率CNORIG
| Q4 25 | 15.2% | 23.0% | ||
| Q3 25 | 13.7% | -163.1% | ||
| Q2 25 | 9.8% | -97.6% | ||
| Q1 25 | 10.4% | 7.1% | ||
| Q4 24 | 15.8% | 13.7% | ||
| Q3 24 | 13.6% | -51.2% | ||
| Q2 24 | 13.9% | -6.9% | ||
| Q1 24 | 6.5% | -0.4% |
净利率CNORIG
| Q4 25 | 8.8% | 2.4% | ||
| Q3 25 | 1.9% | -187.1% | ||
| Q2 25 | 8.0% | -94.9% | ||
| Q1 25 | 1.4% | -8.7% | ||
| Q4 24 | 15.1% | 0.7% | ||
| Q3 24 | 0.8% | -52.1% | ||
| Q2 24 | 10.9% | -14.3% | ||
| Q1 24 | 9.7% | 12.8% |
每股收益（稀释后）CNORIG
| Q4 25 | $1.02 | $0.13 | ||
| Q3 25 | $0.24 | $-2.00 | ||
| Q2 25 | $0.91 | $-1.06 | ||
| Q1 25 | $0.13 | $-0.11 | ||
| Q4 24 | $1.58 | $-0.14 | ||
| Q3 24 | $0.09 | $-0.58 | ||
| Q2 24 | $1.06 | $-0.15 | ||
| Q1 24 | $1.01 | $0.11 |
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 | — | $620.0M |
| 总债务越低越好 | — | $5.2B |
| 股东权益账面价值 | $2.6B | $8.1B |
| 总资产 | $38.8B | $15.6B |
| 负债/权益比越低杠杆越低 | — | 0.64× |
8季度趋势，按日历期对齐
现金及短期投资CNORIG
| Q4 25 | — | $620.0M | ||
| Q3 25 | — | $833.0M | ||
| Q2 25 | — | $377.0M | ||
| Q1 25 | — | $263.0M | ||
| Q4 24 | — | $560.0M | ||
| Q3 24 | — | $435.0M | ||
| Q2 24 | — | $475.0M | ||
| Q1 24 | — | $446.0M |
总债务CNORIG
| Q4 25 | — | $5.2B | ||
| Q3 25 | — | $4.8B | ||
| Q2 25 | — | $5.9B | ||
| Q1 25 | — | $5.9B | ||
| Q4 24 | — | $6.2B | ||
| Q3 24 | — | $6.5B | ||
| Q2 24 | — | $6.8B | ||
| Q1 24 | — | $6.8B |
股东权益CNORIG
| Q4 25 | $2.6B | $8.1B | ||
| Q3 25 | $2.6B | $8.1B | ||
| Q2 25 | $2.5B | $9.4B | ||
| Q1 25 | $2.5B | $10.2B | ||
| Q4 24 | $2.5B | $10.3B | ||
| Q3 24 | $2.7B | $10.2B | ||
| Q2 24 | $2.4B | $10.7B | ||
| Q1 24 | $2.4B | $10.5B |
总资产CNORIG
| Q4 25 | $38.8B | $15.6B | ||
| Q3 25 | $38.3B | $16.2B | ||
| Q2 25 | $37.3B | $17.8B | ||
| Q1 25 | $37.4B | $19.0B | ||
| Q4 24 | $37.9B | $19.4B | ||
| Q3 24 | $37.6B | $19.5B | ||
| Q2 24 | $36.3B | $20.3B | ||
| Q1 24 | $34.9B | $19.9B |
负债/权益比CNORIG
| Q4 25 | — | 0.64× | ||
| Q3 25 | — | 0.60× | ||
| Q2 25 | — | 0.63× | ||
| Q1 25 | — | 0.58× | ||
| Q4 24 | — | 0.60× | ||
| Q3 24 | — | 0.64× | ||
| Q2 24 | — | 0.63× | ||
| Q1 24 | — | 0.65× |
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 | $349.0M |
| 自由现金流经营现金流 - 资本支出 | — | $321.0M |
| 自由现金流率自由现金流/营收 | — | 30.8% |
| 资本支出强度资本支出/营收 | — | 2.7% |
| 现金转化率经营现金流/净利润 | 1.94× | 13.96× |
| 过去12个月自由现金流最近4个季度 | — | $626.0M |
8季度趋势，按日历期对齐
经营现金流CNORIG
| Q4 25 | $195.7M | $349.0M | ||
| Q3 25 | $197.8M | $246.0M | ||
| Q2 25 | $145.5M | $128.0M | ||
| Q1 25 | $136.7M | $26.0M | ||
| Q4 24 | $191.0M | $206.0M | ||
| Q3 24 | $231.2M | $194.0M | ||
| Q2 24 | $110.9M | $133.0M | ||
| Q1 24 | $94.6M | $-86.0M |
自由现金流CNORIG
| Q4 25 | — | $321.0M | ||
| Q3 25 | — | $235.0M | ||
| Q2 25 | — | $104.0M | ||
| Q1 25 | — | $-34.0M | ||
| Q4 24 | — | $177.0M | ||
| Q3 24 | — | $136.0M | ||
| Q2 24 | — | $49.0M | ||
| Q1 24 | — | $-169.0M |
自由现金流率CNORIG
| Q4 25 | — | 30.8% | ||
| Q3 25 | — | 22.9% | ||
| Q2 25 | — | 10.5% | ||
| Q1 25 | — | -3.8% | ||
| Q4 24 | — | 18.6% | ||
| Q3 24 | — | 14.3% | ||
| Q2 24 | — | 5.7% | ||
| Q1 24 | — | -22.1% |
资本支出强度CNORIG
| Q4 25 | — | 2.7% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 6.6% | ||
| Q4 24 | — | 3.0% | ||
| Q3 24 | — | 6.1% | ||
| Q2 24 | — | 9.8% | ||
| Q1 24 | — | 10.9% |
现金转化率CNORIG
| Q4 25 | 1.94× | 13.96× | ||
| Q3 25 | 8.56× | — | ||
| Q2 25 | 1.58× | — | ||
| Q1 25 | 9.98× | — | ||
| Q4 24 | 1.15× | 29.43× | ||
| Q3 24 | 24.86× | — | ||
| Q2 24 | 0.95× | — | ||
| Q1 24 | 0.84× | -0.88× |
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% |
RIG
| Ultra Deepwater Floaters | $433.0M | 42% |
| BR | $236.0M | 23% |
| Other Geographical | $211.0M | 20% |
| Harsh Environment Floaters | $163.0M | 16% |
