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CNO Financial Group, Inc.（CNO）与赛莱默（XYL）财务数据对比。点击上方公司名可切换其他公司
赛莱默的季度营收约是CNO Financial Group, Inc.的1.9倍（$2.1B vs $1.1B），赛莱默净利率更高（8.9% vs 8.8%，领先0.1%），CNO Financial Group, Inc.同比增速更快（4.2% vs 2.7%），过去两年CNO Financial Group, Inc.的营收复合增速更高（-0.6% vs -1.0%）
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。
该文本为植物学对木质部的定义说明，并非赛莱默公司（Xylem Inc.）的企业业务介绍。Xylem Inc.是一家专注于水技术与解决方案的全球企业，提供水务基础设施、水环境治理等相关设备与服务。
CNO vs XYL — 直观对比
营收规模更大
XYL
是对方的1.9倍
$1.1B
营收增速更快
CNO
高出1.5%
2.7%
净利率更高
XYL
高出0.1%
8.8%
两年增速更快
CNO
近两年复合增速
-1.0%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $2.1B |
| 净利润 | $100.7M | $189.0M |
| 毛利率 | — | 37.8% |
| 营业利润率 | 15.2% | 11.5% |
| 净利率 | 8.8% | 8.9% |
| 营收同比 | 4.2% | 2.7% |
| 净利润同比 | -39.4% | 13.2% |
| 每股收益（稀释后） | $1.02 | $0.79 |
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CNOXYL
| Q1 26 | — | $2.1B | ||
| Q4 25 | $1.1B | $2.4B | ||
| Q3 25 | $1.2B | $2.3B | ||
| Q2 25 | $1.2B | $2.3B | ||
| Q1 25 | $1.0B | $2.1B | ||
| Q4 24 | $1.1B | $2.3B | ||
| Q3 24 | $1.1B | $2.1B | ||
| Q2 24 | $1.1B | $2.2B |
净利润CNOXYL
| Q1 26 | — | $189.0M | ||
| Q4 25 | $100.7M | $335.0M | ||
| Q3 25 | $23.1M | $227.0M | ||
| Q2 25 | $91.8M | $226.0M | ||
| Q1 25 | $13.7M | $169.0M | ||
| Q4 24 | $166.1M | $326.0M | ||
| Q3 24 | $9.3M | $217.0M | ||
| Q2 24 | $116.3M | $194.0M |
毛利率CNOXYL
| Q1 26 | — | 37.8% | ||
| Q4 25 | — | 38.9% | ||
| Q3 25 | — | 38.9% | ||
| Q2 25 | — | 38.8% | ||
| Q1 25 | — | 37.1% | ||
| Q4 24 | — | 38.0% | ||
| Q3 24 | — | 37.3% | ||
| Q2 24 | — | 37.8% |
营业利润率CNOXYL
| Q1 26 | — | 11.5% | ||
| Q4 25 | 15.2% | 14.7% | ||
| Q3 25 | 13.7% | 14.7% | ||
| Q2 25 | 9.8% | 13.3% | ||
| Q1 25 | 10.4% | 11.2% | ||
| Q4 24 | 15.8% | 11.8% | ||
| Q3 24 | 13.6% | 13.3% | ||
| Q2 24 | 13.9% | 11.7% |
净利率CNOXYL
| Q1 26 | — | 8.9% | ||
| Q4 25 | 8.8% | 14.0% | ||
| Q3 25 | 1.9% | 10.0% | ||
| Q2 25 | 8.0% | 9.8% | ||
| Q1 25 | 1.4% | 8.2% | ||
| Q4 24 | 15.1% | 14.5% | ||
| Q3 24 | 0.8% | 10.3% | ||
| Q2 24 | 10.9% | 8.9% |
每股收益（稀释后）CNOXYL
| Q1 26 | — | $0.79 | ||
| Q4 25 | $1.02 | $1.37 | ||
| Q3 25 | $0.24 | $0.93 | ||
| Q2 25 | $0.91 | $0.93 | ||
| Q1 25 | $0.13 | $0.69 | ||
| Q4 24 | $1.58 | $1.33 | ||
| Q3 24 | $0.09 | $0.89 | ||
| Q2 24 | $1.06 | $0.80 |
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 | — | $808.0M |
| 总债务越低越好 | — | $1.9B |
| 股东权益账面价值 | $2.6B | $11.0B |
| 总资产 | $38.8B | $17.0B |
| 负债/权益比越低杠杆越低 | — | 0.18× |
8季度趋势，按日历期对齐
现金及短期投资CNOXYL
| Q1 26 | — | $808.0M | ||
| Q4 25 | — | $1.5B | ||
| Q3 25 | — | $1.2B | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $989.0M | ||
| Q2 24 | — | $815.0M |
总债务CNOXYL
| Q1 26 | — | $1.9B | ||
| Q4 25 | — | $2.0B | ||
| Q3 25 | — | $2.0B | ||
| Q2 25 | — | $2.0B | ||
| Q1 25 | — | $2.0B | ||
| Q4 24 | — | $2.0B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CNOXYL
| Q1 26 | — | $11.0B | ||
| Q4 25 | $2.6B | $11.5B | ||
| Q3 25 | $2.6B | $11.2B | ||
| Q2 25 | $2.5B | $11.1B | ||
| Q1 25 | $2.5B | $10.8B | ||
| Q4 24 | $2.5B | $10.6B | ||
| Q3 24 | $2.7B | $10.6B | ||
| Q2 24 | $2.4B | $10.3B |
总资产CNOXYL
| Q1 26 | — | $17.0B | ||
| Q4 25 | $38.8B | $17.6B | ||
| Q3 25 | $38.3B | $17.3B | ||
| Q2 25 | $37.3B | $17.2B | ||
| Q1 25 | $37.4B | $16.6B | ||
| Q4 24 | $37.9B | $16.5B | ||
| Q3 24 | $37.6B | $16.0B | ||
| Q2 24 | $36.3B | $15.8B |
负债/权益比CNOXYL
| Q1 26 | — | 0.18× | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.18× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.19× | ||
| 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 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | 4.2% |
| 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CNOXYL
| Q1 26 | — | — | ||
| Q4 25 | $195.7M | $543.0M | ||
| Q3 25 | $197.8M | $360.0M | ||
| Q2 25 | $145.5M | $305.0M | ||
| Q1 25 | $136.7M | $33.0M | ||
| Q4 24 | $191.0M | $575.0M | ||
| Q3 24 | $231.2M | $311.0M | ||
| Q2 24 | $110.9M | $288.0M |
自由现金流CNOXYL
| Q1 26 | — | — | ||
| Q4 25 | — | $460.0M | ||
| Q3 25 | — | $281.0M | ||
| Q2 25 | — | $207.0M | ||
| Q1 25 | — | $-38.0M | ||
| Q4 24 | — | $475.0M | ||
| Q3 24 | — | $237.0M | ||
| Q2 24 | — | $215.0M |
自由现金流率CNOXYL
| Q1 26 | — | — | ||
| Q4 25 | — | 19.2% | ||
| Q3 25 | — | 12.4% | ||
| Q2 25 | — | 9.0% | ||
| Q1 25 | — | -1.8% | ||
| Q4 24 | — | 21.1% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 9.9% |
资本支出强度CNOXYL
| Q1 26 | — | 4.2% | ||
| Q4 25 | — | 3.5% | ||
| Q3 25 | — | 3.5% | ||
| Q2 25 | — | 4.3% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 4.4% | ||
| Q3 24 | — | 3.5% | ||
| Q2 24 | — | 3.4% |
现金转化率CNOXYL
| Q1 26 | — | — | ||
| Q4 25 | 1.94× | 1.62× | ||
| Q3 25 | 8.56× | 1.59× | ||
| Q2 25 | 1.58× | 1.35× | ||
| Q1 25 | 9.98× | 0.20× | ||
| Q4 24 | 1.15× | 1.76× | ||
| Q3 24 | 24.86× | 1.43× | ||
| Q2 24 | 0.95× | 1.48× |
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% |
XYL
| Revenue from products | $1.8B | 83% |
| Revenue from services | $368.0M | 17% |
