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CNO Financial Group, Inc.（CNO）与Roper Technologies（ROP）财务数据对比。点击上方公司名可切换其他公司
Roper Technologies的季度营收约是CNO Financial Group, Inc.的1.8倍（$2.1B vs $1.1B），Roper Technologies净利率更高（15.8% vs 8.8%，领先7.0%），Roper Technologies同比增速更快（11.3% vs 4.2%），过去两年Roper Technologies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。
罗珀技术公司是一家专注于科技领域的控股企业，通过持有并运营多家不同细分赛道的科技公司，在科技产业投资与资产管理领域形成了成熟的业务体系，在全球相关市场具备较高的行业影响力。
CNO vs ROP — 直观对比
营收规模更大
ROP
是对方的1.8倍
$1.1B
营收增速更快
ROP
高出7.1%
4.2%
净利率更高
ROP
高出7.0%
8.8%
两年增速更快
ROP
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $2.1B |
| 净利润 | $100.7M | $331.0M |
| 毛利率 | — | 69.4% |
| 营业利润率 | 15.2% | 27.2% |
| 净利率 | 8.8% | 15.8% |
| 营收同比 | 4.2% | 11.3% |
| 净利润同比 | -39.4% | 53.7% |
| 每股收益（稀释后） | $1.02 | $4.87 |
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CNOROP
| Q1 26 | — | $2.1B | ||
| Q4 25 | $1.1B | $2.1B | ||
| Q3 25 | $1.2B | $2.0B | ||
| Q2 25 | $1.2B | $1.9B | ||
| Q1 25 | $1.0B | $1.9B | ||
| Q4 24 | $1.1B | $1.9B | ||
| Q3 24 | $1.1B | $1.8B | ||
| Q2 24 | $1.1B | $1.7B |
净利润CNOROP
| Q1 26 | — | $331.0M | ||
| Q4 25 | $100.7M | $428.4M | ||
| Q3 25 | $23.1M | $398.5M | ||
| Q2 25 | $91.8M | $378.3M | ||
| Q1 25 | $13.7M | $331.1M | ||
| Q4 24 | $166.1M | $462.3M | ||
| Q3 24 | $9.3M | $367.9M | ||
| Q2 24 | $116.3M | $337.1M |
毛利率CNOROP
| Q1 26 | — | 69.4% | ||
| Q4 25 | — | 69.5% | ||
| Q3 25 | — | 69.5% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 68.7% | ||
| Q4 24 | — | 68.3% | ||
| Q3 24 | — | 69.2% | ||
| Q2 24 | — | 69.5% |
营业利润率CNOROP
| Q1 26 | — | 27.2% | ||
| Q4 25 | 15.2% | 28.6% | ||
| Q3 25 | 13.7% | 28.4% | ||
| Q2 25 | 9.8% | 28.2% | ||
| Q1 25 | 10.4% | 27.9% | ||
| Q4 24 | 15.8% | 28.0% | ||
| Q3 24 | 13.6% | 28.1% | ||
| Q2 24 | 13.9% | 28.8% |
净利率CNOROP
| Q1 26 | — | 15.8% | ||
| Q4 25 | 8.8% | 20.8% | ||
| Q3 25 | 1.9% | 19.8% | ||
| Q2 25 | 8.0% | 19.5% | ||
| Q1 25 | 1.4% | 17.6% | ||
| Q4 24 | 15.1% | 24.6% | ||
| Q3 24 | 0.8% | 20.8% | ||
| Q2 24 | 10.9% | 19.6% |
每股收益（稀释后）CNOROP
| Q1 26 | — | $4.87 | ||
| Q4 25 | $1.02 | $3.97 | ||
| Q3 25 | $0.24 | $3.68 | ||
| Q2 25 | $0.91 | $3.49 | ||
| Q1 25 | $0.13 | $3.06 | ||
| Q4 24 | $1.58 | $4.29 | ||
| Q3 24 | $0.09 | $3.40 | ||
| Q2 24 | $1.06 | $3.12 |
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 | — | $382.9M |
| 总债务越低越好 | — | $9.7B |
| 股东权益账面价值 | $2.6B | $18.8B |
| 总资产 | $38.8B | $34.6B |
| 负债/权益比越低杠杆越低 | — | 0.52× |
8季度趋势，按日历期对齐
现金及短期投资CNOROP
| Q1 26 | — | $382.9M | ||
| Q4 25 | — | $297.4M | ||
| Q3 25 | — | $320.0M | ||
| Q2 25 | — | $242.4M | ||
| Q1 25 | — | $372.8M | ||
| Q4 24 | — | $188.2M | ||
| Q3 24 | — | $269.6M | ||
| Q2 24 | — | $251.5M |
总债务CNOROP
| Q1 26 | — | $9.7B | ||
| Q4 25 | — | $9.3B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $7.6B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CNOROP
| Q1 26 | — | $18.8B | ||
| Q4 25 | $2.6B | $19.9B | ||
| Q3 25 | $2.6B | $20.0B | ||
| Q2 25 | $2.5B | $19.6B | ||
| Q1 25 | $2.5B | $19.2B | ||
| Q4 24 | $2.5B | $18.9B | ||
| Q3 24 | $2.7B | $18.5B | ||
| Q2 24 | $2.4B | $18.1B |
总资产CNOROP
| Q1 26 | — | $34.6B | ||
| Q4 25 | $38.8B | $34.6B | ||
| Q3 25 | $38.3B | $34.6B | ||
| Q2 25 | $37.3B | $33.2B | ||
| Q1 25 | $37.4B | $31.4B | ||
| Q4 24 | $37.9B | $31.3B | ||
| Q3 24 | $37.6B | $31.6B | ||
| Q2 24 | $36.3B | $29.8B |
负债/权益比CNOROP
| Q1 26 | — | 0.52× | ||
| Q4 25 | — | 0.47× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.40× | ||
| 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 | — | $507.0M |
| 自由现金流率自由现金流/营收 | — | 24.2% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 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CNOROP
| Q1 26 | — | — | ||
| Q4 25 | $195.7M | $738.0M | ||
| Q3 25 | $197.8M | $869.5M | ||
| Q2 25 | $145.5M | $404.1M | ||
| Q1 25 | $136.7M | $528.7M | ||
| Q4 24 | $191.0M | $722.2M | ||
| Q3 24 | $231.2M | $755.4M | ||
| Q2 24 | $110.9M | $384.1M |
自由现金流CNOROP
| Q1 26 | — | $507.0M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率CNOROP
| Q1 26 | — | 24.2% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度CNOROP
| Q1 26 | — | 0.5% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率CNOROP
| Q1 26 | — | — | ||
| Q4 25 | 1.94× | 1.72× | ||
| Q3 25 | 8.56× | 2.18× | ||
| Q2 25 | 1.58× | 1.07× | ||
| Q1 25 | 9.98× | 1.60× | ||
| Q4 24 | 1.15× | 1.56× | ||
| Q3 24 | 24.86× | 2.05× | ||
| Q2 24 | 0.95× | 1.14× |
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% |
ROP
暂无分部数据
