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CNO Financial Group, Inc.（CNO）与RXO, Inc.（RXO）财务数据对比。点击上方公司名可切换其他公司
RXO, Inc.的季度营收约是CNO Financial Group, Inc.的1.3倍（$1.5B vs $1.1B），CNO Financial Group, Inc.净利率更高（8.8% vs -3.1%，领先11.9%），CNO Financial Group, Inc.同比增速更快（4.2% vs -11.9%），过去两年RXO, Inc.的营收复合增速更高（26.8% 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。
RXO是总部位于美国的头部运输及物流解决方案供应商，核心业务覆盖货运经纪、大件商品最后一公里配送、运输管理服务与全链路供应链优化支持，主要服务北美制造业、零售业及电商领域的客户。
CNO vs RXO — 直观对比
营收规模更大
RXO
是对方的1.3倍
$1.1B
营收增速更快
CNO
高出16.1%
-11.9%
净利率更高
CNO
高出11.9%
-3.1%
两年增速更快
RXO
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.5B |
| 净利润 | $100.7M | $-46.0M |
| 毛利率 | — | — |
| 营业利润率 | 15.2% | -2.9% |
| 净利率 | 8.8% | -3.1% |
| 营收同比 | 4.2% | -11.9% |
| 净利润同比 | -39.4% | -84.0% |
| 每股收益（稀释后） | $1.02 | $-0.28 |
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CNORXO
| Q4 25 | $1.1B | $1.5B | ||
| Q3 25 | $1.2B | $1.4B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.0B | $1.4B | ||
| Q4 24 | $1.1B | $1.7B | ||
| Q3 24 | $1.1B | $1.0B | ||
| Q2 24 | $1.1B | $930.0M | ||
| Q1 24 | $1.2B | $913.0M |
净利润CNORXO
| Q4 25 | $100.7M | $-46.0M | ||
| Q3 25 | $23.1M | $-14.0M | ||
| Q2 25 | $91.8M | $-9.0M | ||
| Q1 25 | $13.7M | $-31.0M | ||
| Q4 24 | $166.1M | $-25.0M | ||
| Q3 24 | $9.3M | $-243.0M | ||
| Q2 24 | $116.3M | $-7.0M | ||
| Q1 24 | $112.3M | $-15.0M |
营业利润率CNORXO
| Q4 25 | 15.2% | -2.9% | ||
| Q3 25 | 13.7% | -0.5% | ||
| Q2 25 | 9.8% | — | ||
| Q1 25 | 10.4% | -2.1% | ||
| Q4 24 | 15.8% | -1.4% | ||
| Q3 24 | 13.6% | -1.9% | ||
| Q2 24 | 13.9% | — | ||
| Q1 24 | 6.5% | -1.3% |
净利率CNORXO
| Q4 25 | 8.8% | -3.1% | ||
| Q3 25 | 1.9% | -1.0% | ||
| Q2 25 | 8.0% | -0.6% | ||
| Q1 25 | 1.4% | -2.2% | ||
| Q4 24 | 15.1% | -1.5% | ||
| Q3 24 | 0.8% | -23.4% | ||
| Q2 24 | 10.9% | -0.8% | ||
| Q1 24 | 9.7% | -1.6% |
每股收益（稀释后）CNORXO
| Q4 25 | $1.02 | $-0.28 | ||
| Q3 25 | $0.24 | $-0.08 | ||
| Q2 25 | $0.91 | $-0.05 | ||
| Q1 25 | $0.13 | $-0.18 | ||
| Q4 24 | $1.58 | $-0.17 | ||
| Q3 24 | $0.09 | $-1.81 | ||
| Q2 24 | $1.06 | $-0.06 | ||
| Q1 24 | $1.01 | $-0.13 |
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 | — | $17.0M |
| 总债务越低越好 | — | $387.0M |
| 股东权益账面价值 | $2.6B | $1.5B |
| 总资产 | $38.8B | $3.3B |
| 负债/权益比越低杠杆越低 | — | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资CNORXO
| Q4 25 | — | $17.0M | ||
| Q3 25 | — | $25.0M | ||
| Q2 25 | — | $18.0M | ||
| Q1 25 | — | $16.0M | ||
| Q4 24 | — | $35.0M | ||
| Q3 24 | — | $55.0M | ||
| Q2 24 | — | $7.0M | ||
| Q1 24 | — | $7.0M |
总债务CNORXO
| Q4 25 | — | $387.0M | ||
| Q3 25 | — | $387.0M | ||
| Q2 25 | — | $387.0M | ||
| Q1 25 | — | $387.0M | ||
| Q4 24 | — | $351.0M | ||
| Q3 24 | — | $352.0M | ||
| Q2 24 | — | $370.0M | ||
| Q1 24 | — | $351.0M |
股东权益CNORXO
| Q4 25 | $2.6B | $1.5B | ||
| Q3 25 | $2.6B | $1.6B | ||
| Q2 25 | $2.5B | $1.6B | ||
| Q1 25 | $2.5B | $1.6B | ||
| Q4 24 | $2.5B | $1.6B | ||
| Q3 24 | $2.7B | $1.7B | ||
| Q2 24 | $2.4B | $579.0M | ||
| Q1 24 | $2.4B | $582.0M |
总资产CNORXO
| Q4 25 | $38.8B | $3.3B | ||
| Q3 25 | $38.3B | $3.2B | ||
| Q2 25 | $37.3B | $3.2B | ||
| Q1 25 | $37.4B | $3.3B | ||
| Q4 24 | $37.9B | $3.4B | ||
| Q3 24 | $37.6B | $3.4B | ||
| Q2 24 | $36.3B | $1.8B | ||
| Q1 24 | $34.9B | $1.8B |
负债/权益比CNORXO
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.24× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.60× |
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 | $7.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-9.0M |
| 自由现金流率自由现金流/营收 | — | -0.6% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 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 | — | $-8.0M |
8季度趋势，按日历期对齐
经营现金流CNORXO
| Q4 25 | $195.7M | $7.0M | ||
| Q3 25 | $197.8M | $23.0M | ||
| Q2 25 | $145.5M | $23.0M | ||
| Q1 25 | $136.7M | $-2.0M | ||
| Q4 24 | $191.0M | $-7.0M | ||
| Q3 24 | $231.2M | $-7.0M | ||
| Q2 24 | $110.9M | $-5.0M | ||
| Q1 24 | $94.6M | $7.0M |
自由现金流CNORXO
| Q4 25 | — | $-9.0M | ||
| Q3 25 | — | $9.0M | ||
| Q2 25 | — | $9.0M | ||
| Q1 25 | — | $-17.0M | ||
| Q4 24 | — | $-19.0M | ||
| Q3 24 | — | $-18.0M | ||
| Q2 24 | — | $-16.0M | ||
| Q1 24 | — | $-4.0M |
自由现金流率CNORXO
| Q4 25 | — | -0.6% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | -1.2% | ||
| Q4 24 | — | -1.1% | ||
| Q3 24 | — | -1.7% | ||
| Q2 24 | — | -1.7% | ||
| Q1 24 | — | -0.4% |
资本支出强度CNORXO
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.2% |
现金转化率CNORXO
| Q4 25 | 1.94× | — | ||
| Q3 25 | 8.56× | — | ||
| Q2 25 | 1.58× | — | ||
| Q1 25 | 9.98× | — | ||
| Q4 24 | 1.15× | — | ||
| Q3 24 | 24.86× | — | ||
| Q2 24 | 0.95× | — | ||
| Q1 24 | 0.84× | — |
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% |
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
