vs
CNO Financial Group, Inc.（CNO）与RPM INTERNATIONAL INC（RPM）财务数据对比。点击上方公司名可切换其他公司
RPM INTERNATIONAL INC的季度营收约是CNO Financial Group, Inc.的1.7倍（$1.9B vs $1.1B），CNO Financial Group, Inc.净利率更高（8.8% vs 8.4%，领先0.4%），CNO Financial Group, Inc.同比增速更快（4.2% vs 3.5%），过去两年RPM INTERNATIONAL INC的营收复合增速更高（12.0% 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。
BVS娱乐前身为Saban制作、Saban国际及Saban娱乐，是华特迪士尼公司旗下子公司。1980年4月24日由哈伊姆·萨班与舒基·利维创立，最初主营音乐制作，后逐步转向电视节目制作发行业务，最为知名的是为Fox Family/ABC Family及已停播的Fox Kids、Jetix频道制作发行儿童节目。
CNO vs RPM — 直观对比
营收规模更大
RPM
是对方的1.7倍
$1.1B
营收增速更快
CNO
高出0.7%
3.5%
净利率更高
CNO
高出0.4%
8.4%
两年增速更快
RPM
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.9B |
| 净利润 | $100.7M | $161.2M |
| 毛利率 | — | 40.8% |
| 营业利润率 | 15.2% | 11.0% |
| 净利率 | 8.8% | 8.4% |
| 营收同比 | 4.2% | 3.5% |
| 净利润同比 | -39.4% | -12.0% |
| 每股收益（稀释后） | $1.02 | $1.26 |
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CNORPM
| Q4 25 | $1.1B | $1.9B | ||
| Q3 25 | $1.2B | $2.1B | ||
| Q2 25 | $1.2B | $2.1B | ||
| Q1 25 | $1.0B | $1.5B | ||
| Q4 24 | $1.1B | $1.8B | ||
| Q3 24 | $1.1B | $2.0B | ||
| Q2 24 | $1.1B | $2.0B | ||
| Q1 24 | $1.2B | $1.5B |
净利润CNORPM
| Q4 25 | $100.7M | $161.2M | ||
| Q3 25 | $23.1M | $227.6M | ||
| Q2 25 | $91.8M | $225.8M | ||
| Q1 25 | $13.7M | $52.0M | ||
| Q4 24 | $166.1M | $183.2M | ||
| Q3 24 | $9.3M | $227.7M | ||
| Q2 24 | $116.3M | $180.6M | ||
| Q1 24 | $112.3M | $61.2M |
毛利率CNORPM
| Q4 25 | — | 40.8% | ||
| Q3 25 | — | 42.3% | ||
| Q2 25 | — | 42.4% | ||
| Q1 25 | — | 38.4% | ||
| Q4 24 | — | 41.4% | ||
| Q3 24 | — | 42.5% | ||
| Q2 24 | — | 41.4% | ||
| Q1 24 | — | 39.9% |
营业利润率CNORPM
| Q4 25 | 15.2% | 11.0% | ||
| Q3 25 | 13.7% | 14.1% | ||
| Q2 25 | 9.8% | 11.9% | ||
| Q1 25 | 10.4% | 2.8% | ||
| Q4 24 | 15.8% | 11.5% | ||
| Q3 24 | 13.6% | 14.8% | ||
| Q2 24 | 13.9% | 11.9% | ||
| Q1 24 | 6.5% | 5.5% |
净利率CNORPM
| Q4 25 | 8.8% | 8.4% | ||
| Q3 25 | 1.9% | 10.8% | ||
| Q2 25 | 8.0% | 10.8% | ||
| Q1 25 | 1.4% | 3.5% | ||
| Q4 24 | 15.1% | 9.9% | ||
| Q3 24 | 0.8% | 11.6% | ||
| Q2 24 | 10.9% | 9.0% | ||
| Q1 24 | 9.7% | 4.0% |
每股收益（稀释后）CNORPM
| Q4 25 | $1.02 | $1.26 | ||
| Q3 25 | $0.24 | $1.77 | ||
| Q2 25 | $0.91 | $1.76 | ||
| Q1 25 | $0.13 | $0.40 | ||
| Q4 24 | $1.58 | $1.42 | ||
| Q3 24 | $0.09 | $1.77 | ||
| Q2 24 | $1.06 | $1.40 | ||
| Q1 24 | $1.01 | $0.47 |
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 | — | $316.6M |
| 总债务越低越好 | — | $2.5B |
| 股东权益账面价值 | $2.6B | $3.1B |
| 总资产 | $38.8B | $7.9B |
| 负债/权益比越低杠杆越低 | — | 0.80× |
8季度趋势，按日历期对齐
现金及短期投资CNORPM
| Q4 25 | — | $316.6M | ||
| Q3 25 | — | $297.1M | ||
| Q2 25 | — | $302.1M | ||
| Q1 25 | — | $241.9M | ||
| Q4 24 | — | $268.7M | ||
| Q3 24 | — | $231.6M | ||
| Q2 24 | — | $237.4M | ||
| Q1 24 | — | $248.9M |
总债务CNORPM
| Q4 25 | — | $2.5B | ||
| Q3 25 | — | $2.7B | ||
| Q2 25 | — | $2.6B | ||
| Q1 25 | — | $2.1B | ||
| Q4 24 | — | $2.0B | ||
| Q3 24 | — | $2.0B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $2.2B |
股东权益CNORPM
| Q4 25 | $2.6B | $3.1B | ||
| Q3 25 | $2.6B | $3.1B | ||
| Q2 25 | $2.5B | $2.9B | ||
| Q1 25 | $2.5B | $2.7B | ||
| Q4 24 | $2.5B | $2.7B | ||
| Q3 24 | $2.7B | $2.6B | ||
| Q2 24 | $2.4B | $2.5B | ||
| Q1 24 | $2.4B | $2.3B |
总资产CNORPM
| Q4 25 | $38.8B | $7.9B | ||
| Q3 25 | $38.3B | $7.9B | ||
| Q2 25 | $37.3B | $7.8B | ||
| Q1 25 | $37.4B | $6.6B | ||
| Q4 24 | $37.9B | $6.7B | ||
| Q3 24 | $37.6B | $6.6B | ||
| Q2 24 | $36.3B | $6.6B | ||
| Q1 24 | $34.9B | $6.4B |
负债/权益比CNORPM
| Q4 25 | — | 0.80× | ||
| Q3 25 | — | 0.87× | ||
| Q2 25 | — | 0.91× | ||
| Q1 25 | — | 0.78× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 0.77× | ||
| Q2 24 | — | 0.79× | ||
| Q1 24 | — | 0.93× |
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 | $345.7M |
| 自由现金流经营现金流 - 资本支出 | — | $296.4M |
| 自由现金流率自由现金流/营收 | — | 15.5% |
| 资本支出强度资本支出/营收 | — | 2.6% |
| 现金转化率经营现金流/净利润 | 1.94× | 2.14× |
| 过去12个月自由现金流最近4个季度 | — | $582.9M |
8季度趋势，按日历期对齐
经营现金流CNORPM
| Q4 25 | $195.7M | $345.7M | ||
| Q3 25 | $197.8M | $237.5M | ||
| Q2 25 | $145.5M | $149.2M | ||
| Q1 25 | $136.7M | $91.5M | ||
| Q4 24 | $191.0M | $279.4M | ||
| Q3 24 | $231.2M | $248.1M | ||
| Q2 24 | $110.9M | $181.2M | ||
| Q1 24 | $94.6M | $173.4M |
自由现金流CNORPM
| Q4 25 | — | $296.4M | ||
| Q3 25 | — | $175.0M | ||
| Q2 25 | — | $78.2M | ||
| Q1 25 | — | $33.3M | ||
| Q4 24 | — | $229.5M | ||
| Q3 24 | — | $197.3M | ||
| Q2 24 | — | $105.3M | ||
| Q1 24 | — | $124.6M |
自由现金流率CNORPM
| Q4 25 | — | 15.5% | ||
| Q3 25 | — | 8.3% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | 2.3% | ||
| Q4 24 | — | 12.4% | ||
| Q3 24 | — | 10.0% | ||
| Q2 24 | — | 5.2% | ||
| Q1 24 | — | 8.2% |
资本支出强度CNORPM
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 3.0% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | 3.9% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 3.8% | ||
| Q1 24 | — | 3.2% |
现金转化率CNORPM
| Q4 25 | 1.94× | 2.14× | ||
| Q3 25 | 8.56× | 1.04× | ||
| Q2 25 | 1.58× | 0.66× | ||
| Q1 25 | 9.98× | 1.76× | ||
| Q4 24 | 1.15× | 1.53× | ||
| Q3 24 | 24.86× | 1.09× | ||
| Q2 24 | 0.95× | 1.00× | ||
| Q1 24 | 0.84× | 2.83× |
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% |
RPM
| Construction Products Group Segment | $737.4M | 39% |
| Consumer Segment | $638.6M | 33% |
| Performance Coatings Group Segment | $533.8M | 28% |
