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CNO Financial Group, Inc.（CNO）与RUSH ENTERPRISES INC \TX\（RUSHA）财务数据对比。点击上方公司名可切换其他公司
RUSH ENTERPRISES INC \TX\的季度营收约是CNO Financial Group, Inc.的1.5倍（$1.7B vs $1.1B），CNO Financial Group, Inc.净利率更高（8.8% vs 3.7%，领先5.1%），CNO Financial Group, Inc.同比增速更快（4.2% vs -9.0%），过去两年CNO Financial Group, Inc.的营收复合增速更高（-0.6% vs -6.8%）
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。
Rush Enterprises是总部位于美国得克萨斯州新布朗费尔斯的商用车经销商，核心业务是通过旗下Rush Truck Centers销售全新及二手卡车。2019年该公司在全美20个州运营超200家卡车中心，在加拿大设有14个网点，2020年入选财富500强榜单。
CNO vs RUSHA — 直观对比
营收规模更大
RUSHA
是对方的1.5倍
$1.1B
营收增速更快
CNO
高出13.2%
-9.0%
净利率更高
CNO
高出5.1%
3.7%
两年增速更快
CNO
近两年复合增速
-6.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.7B |
| 净利润 | $100.7M | $61.7M |
| 毛利率 | — | 20.4% |
| 营业利润率 | 15.2% | 4.9% |
| 净利率 | 8.8% | 3.7% |
| 营收同比 | 4.2% | -9.0% |
| 净利润同比 | -39.4% | 1.8% |
| 每股收益（稀释后） | $1.02 | $0.77 |
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CNORUSHA
| Q1 26 | — | $1.7B | ||
| Q4 25 | $1.1B | $1.7B | ||
| Q3 25 | $1.2B | $1.8B | ||
| Q2 25 | $1.2B | $1.8B | ||
| Q1 25 | $1.0B | $1.8B | ||
| Q4 24 | $1.1B | $1.9B | ||
| Q3 24 | $1.1B | $1.8B | ||
| Q2 24 | $1.1B | $1.9B |
净利润CNORUSHA
| Q1 26 | — | $61.7M | ||
| Q4 25 | $100.7M | $64.3M | ||
| Q3 25 | $23.1M | $66.7M | ||
| Q2 25 | $91.8M | $72.4M | ||
| Q1 25 | $13.7M | $60.3M | ||
| Q4 24 | $166.1M | $74.8M | ||
| Q3 24 | $9.3M | $79.1M | ||
| Q2 24 | $116.3M | $78.7M |
毛利率CNORUSHA
| Q1 26 | — | 20.4% | ||
| Q4 25 | — | 20.8% | ||
| Q3 25 | — | 21.0% | ||
| Q2 25 | — | 20.7% | ||
| Q1 25 | — | 20.3% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 21.0% | ||
| Q2 24 | — | 20.2% |
营业利润率CNORUSHA
| Q1 26 | — | 4.9% | ||
| Q4 25 | 15.2% | 5.5% | ||
| Q3 25 | 13.7% | 5.6% | ||
| Q2 25 | 9.8% | 6.0% | ||
| Q1 25 | 10.4% | 5.2% | ||
| Q4 24 | 15.8% | 5.8% | ||
| Q3 24 | 13.6% | 6.7% | ||
| Q2 24 | 13.9% | 6.4% |
净利率CNORUSHA
| Q1 26 | — | 3.7% | ||
| Q4 25 | 8.8% | 3.8% | ||
| Q3 25 | 1.9% | 3.7% | ||
| Q2 25 | 8.0% | 3.9% | ||
| Q1 25 | 1.4% | 3.4% | ||
| Q4 24 | 15.1% | 3.9% | ||
| Q3 24 | 0.8% | 4.4% | ||
| Q2 24 | 10.9% | 4.1% |
每股收益（稀释后）CNORUSHA
| Q1 26 | — | $0.77 | ||
| Q4 25 | $1.02 | $0.81 | ||
| Q3 25 | $0.24 | $0.83 | ||
| Q2 25 | $0.91 | $0.90 | ||
| Q1 25 | $0.13 | $0.73 | ||
| Q4 24 | $1.58 | $-95.13 | ||
| Q3 24 | $0.09 | $0.97 | ||
| Q2 24 | $1.06 | $97.00 |
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 | — | $277.8M |
| 股东权益账面价值 | $2.6B | $2.3B |
| 总资产 | $38.8B | $4.5B |
| 负债/权益比越低杠杆越低 | — | 0.12× |
8季度趋势，按日历期对齐
现金及短期投资CNORUSHA
| Q1 26 | — | — | ||
| Q4 25 | — | $212.6M | ||
| Q3 25 | — | $242.0M | ||
| Q2 25 | — | $211.1M | ||
| Q1 25 | — | $228.7M | ||
| Q4 24 | — | $228.1M | ||
| Q3 24 | — | $185.1M | ||
| Q2 24 | — | $167.3M |
总债务CNORUSHA
| Q1 26 | — | $277.8M | ||
| Q4 25 | — | $274.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $408.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CNORUSHA
| Q1 26 | — | $2.3B | ||
| Q4 25 | $2.6B | $2.2B | ||
| Q3 25 | $2.6B | $2.2B | ||
| Q2 25 | $2.5B | $2.2B | ||
| Q1 25 | $2.5B | $2.2B | ||
| Q4 24 | $2.5B | $2.1B | ||
| Q3 24 | $2.7B | $2.1B | ||
| Q2 24 | $2.4B | $2.0B |
总资产CNORUSHA
| Q1 26 | — | $4.5B | ||
| Q4 25 | $38.8B | $4.4B | ||
| Q3 25 | $38.3B | $4.6B | ||
| Q2 25 | $37.3B | $4.7B | ||
| Q1 25 | $37.4B | $4.7B | ||
| Q4 24 | $37.9B | $4.6B | ||
| Q3 24 | $37.6B | $4.6B | ||
| Q2 24 | $36.3B | $4.5B |
负债/权益比CNORUSHA
| Q1 26 | — | 0.12× | ||
| Q4 25 | — | 0.12× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.19× | ||
| 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 | — | $411.6M |
| 自由现金流率自由现金流/营收 | — | 24.4% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 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 | — | $828.4M |
8季度趋势，按日历期对齐
经营现金流CNORUSHA
| Q1 26 | — | — | ||
| Q4 25 | $195.7M | $112.9M | ||
| Q3 25 | $197.8M | $367.8M | ||
| Q2 25 | $145.5M | $227.6M | ||
| Q1 25 | $136.7M | $153.5M | ||
| Q4 24 | $191.0M | $392.3M | ||
| Q3 24 | $231.2M | $111.7M | ||
| Q2 24 | $110.9M | $270.6M |
自由现金流CNORUSHA
| Q1 26 | — | $411.6M | ||
| Q4 25 | — | $31.9M | ||
| Q3 25 | — | $271.2M | ||
| Q2 25 | — | $113.8M | ||
| Q1 25 | — | $45.1M | ||
| Q4 24 | — | $263.5M | ||
| Q3 24 | — | $-20.0M | ||
| Q2 24 | — | $177.2M |
自由现金流率CNORUSHA
| Q1 26 | — | 24.4% | ||
| Q4 25 | — | 1.9% | ||
| Q3 25 | — | 15.2% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 13.7% | ||
| Q3 24 | — | -1.1% | ||
| Q2 24 | — | 9.1% |
资本支出强度CNORUSHA
| Q1 26 | — | 2.0% | ||
| Q4 25 | — | 4.8% | ||
| Q3 25 | — | 5.4% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | — | 6.2% | ||
| Q4 24 | — | 6.7% | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | 4.8% |
现金转化率CNORUSHA
| Q1 26 | — | — | ||
| Q4 25 | 1.94× | 1.75× | ||
| Q3 25 | 8.56× | 5.51× | ||
| Q2 25 | 1.58× | 3.14× | ||
| Q1 25 | 9.98× | 2.55× | ||
| Q4 24 | 1.15× | 5.25× | ||
| Q3 24 | 24.86× | 1.41× | ||
| Q2 24 | 0.95× | 3.44× |
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% |
RUSHA
| New and used commercial vehicle sales | $955.1M | 57% |
| Aftermarket products and services sales | $627.2M | 37% |
| Lease and rental sales | $92.3M | 5% |
| Finance and insurance | $5.6M | 0% |
