vs
玖富数科（JFU）与SECURITY NATIONAL FINANCIAL CORP（SNFCA）财务数据对比。点击上方公司名可切换其他公司
SECURITY NATIONAL FINANCIAL CORP的季度营收约是玖富数科的1.0倍（$83.0M vs $81.4M），SECURITY NATIONAL FINANCIAL CORP净利率更高（16.3% vs -105.9%，领先122.2%），SECURITY NATIONAL FINANCIAL CORP自由现金流更多（$43.8M vs $2.7M）
玖富数科是中国领先的数字金融科技平台，主要面向国内个人消费者及小微企业客户，提供消费信贷、财富管理、保险经纪等服务，依托大数据及人工智能技术打造定制化普惠金融解决方案，覆盖多个金融科技细分领域。
CNO金融集团（原康塞科公司）是一家总部位于美国印第安纳州卡梅尔的金融服务控股公司。旗下保险子公司面向美国超过四百万客户提供人寿保险、年金以及补充健康保险产品，产品销售渠道包括独立代理人、专职代理人，以及通过电视广告和直邮直接触达客户。
JFU vs SNFCA — 直观对比
营收规模更大
SNFCA
是对方的1.0倍
$81.4M
净利率更高
SNFCA
高出122.2%
-105.9%
自由现金流更多
SNFCA
多$41.2M
$2.7M
损益表 — Q4 FY2022 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $81.4M | $83.0M |
| 净利润 | $-86.2M | $13.5M |
| 毛利率 | 19.3% | 98.6% |
| 营业利润率 | -26.8% | 20.9% |
| 净利率 | -105.9% | 16.3% |
| 营收同比 | — | 4.7% |
| 净利润同比 | — | 430.9% |
| 每股收益（稀释后） | — | $0.52 |
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JFUSNFCA
| Q4 25 | — | $83.0M | ||
| Q3 25 | — | $89.3M | ||
| Q2 25 | — | $89.5M | ||
| Q1 25 | — | $82.7M | ||
| Q4 24 | — | $79.3M | ||
| Q3 24 | — | $88.3M | ||
| Q2 24 | — | $85.8M | ||
| Q1 24 | — | $81.2M |
净利润JFUSNFCA
| Q4 25 | — | $13.5M | ||
| Q3 25 | — | $7.8M | ||
| Q2 25 | — | $6.5M | ||
| Q1 25 | — | $4.3M | ||
| Q4 24 | — | $2.5M | ||
| Q3 24 | — | $11.8M | ||
| Q2 24 | — | $7.3M | ||
| Q1 24 | — | $7.5M |
毛利率JFUSNFCA
| Q4 25 | — | 98.6% | ||
| Q3 25 | — | 98.8% | ||
| Q2 25 | — | 98.7% | ||
| Q1 25 | — | 98.5% | ||
| Q4 24 | — | 98.5% | ||
| Q3 24 | — | 98.7% | ||
| Q2 24 | — | 98.6% | ||
| Q1 24 | — | 98.4% |
营业利润率JFUSNFCA
| Q4 25 | — | 20.9% | ||
| Q3 25 | — | 11.4% | ||
| Q2 25 | — | 9.3% | ||
| Q1 25 | — | 6.7% | ||
| Q4 24 | — | 4.0% | ||
| Q3 24 | — | 17.2% | ||
| Q2 24 | — | 10.9% | ||
| Q1 24 | — | 11.8% |
净利率JFUSNFCA
| Q4 25 | — | 16.3% | ||
| Q3 25 | — | 8.7% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 5.2% | ||
| Q4 24 | — | 3.2% | ||
| Q3 24 | — | 13.4% | ||
| Q2 24 | — | 8.5% | ||
| Q1 24 | — | 9.2% |
每股收益（稀释后）JFUSNFCA
| Q4 25 | — | $0.52 | ||
| Q3 25 | — | $0.31 | ||
| Q2 25 | — | $0.25 | ||
| Q1 25 | — | $0.18 | ||
| Q4 24 | — | $0.09 | ||
| Q3 24 | — | $0.47 | ||
| Q2 24 | — | $0.29 | ||
| Q1 24 | — | $0.31 |
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 | $335.8M | $102.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $530.1M | $410.4M |
| 总资产 | $625.0M | $1.6B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资JFUSNFCA
| Q4 25 | — | $102.3M | ||
| Q3 25 | — | $100.4M | ||
| Q2 25 | — | $79.3M | ||
| Q1 25 | — | $132.9M | ||
| Q4 24 | — | $140.5M | ||
| Q3 24 | — | $170.7M | ||
| Q2 24 | — | $143.6M | ||
| Q1 24 | — | $150.9M |
股东权益JFUSNFCA
| Q4 25 | — | $410.4M | ||
| Q3 25 | — | $365.4M | ||
| Q2 25 | — | $354.8M | ||
| Q1 25 | — | $346.5M | ||
| Q4 24 | — | $381.9M | ||
| Q3 24 | — | $346.3M | ||
| Q2 24 | — | $325.8M | ||
| Q1 24 | — | $320.1M |
总资产JFUSNFCA
| Q4 25 | — | $1.6B | ||
| Q3 25 | — | $1.6B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $1.5B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $1.5B | ||
| Q1 24 | — | $1.4B |
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 | $9.2M | $45.5M |
| 自由现金流经营现金流 - 资本支出 | $2.7M | $43.8M |
| 自由现金流率自由现金流/营收 | 3.3% | 52.8% |
| 资本支出强度资本支出/营收 | 8.0% | 2.0% |
| 现金转化率经营现金流/净利润 | — | 3.38× |
| 过去12个月自由现金流最近4个季度 | — | $69.8M |
8季度趋势，按日历期对齐
经营现金流JFUSNFCA
| Q4 25 | — | $45.5M | ||
| Q3 25 | — | $25.6M | ||
| Q2 25 | — | $-7.7M | ||
| Q1 25 | — | $9.6M | ||
| Q4 24 | — | $57.3M | ||
| Q3 24 | — | $26.8M | ||
| Q2 24 | — | $-17.0M | ||
| Q1 24 | — | $25.1M |
自由现金流JFUSNFCA
| Q4 25 | — | $43.8M | ||
| Q3 25 | — | $24.9M | ||
| Q2 25 | — | $-8.1M | ||
| Q1 25 | — | $9.1M | ||
| Q4 24 | — | $54.8M | ||
| Q3 24 | — | $26.6M | ||
| Q2 24 | — | $-17.1M | ||
| Q1 24 | — | $24.8M |
自由现金流率JFUSNFCA
| Q4 25 | — | 52.8% | ||
| Q3 25 | — | 27.9% | ||
| Q2 25 | — | -9.1% | ||
| Q1 25 | — | 11.1% | ||
| Q4 24 | — | 69.2% | ||
| Q3 24 | — | 30.2% | ||
| Q2 24 | — | -20.0% | ||
| Q1 24 | — | 30.6% |
资本支出强度JFUSNFCA
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 0.3% |
现金转化率JFUSNFCA
| Q4 25 | — | 3.38× | ||
| Q3 25 | — | 3.28× | ||
| Q2 25 | — | -1.18× | ||
| Q1 25 | — | 2.21× | ||
| Q4 24 | — | 22.55× | ||
| Q3 24 | — | 2.26× | ||
| Q2 24 | — | -2.33× | ||
| Q1 24 | — | 3.36× |
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
JFU
暂无分部数据
SNFCA
| Life Insurance | $29.9M | 36% |
| Mortgage | $24.8M | 30% |
| Other | $21.3M | 26% |
| Timing Of Revenue Recognition Goods Transferred At A Point In Time | $4.6M | 6% |
| Timing Of Revenue Recognition Services Transferred At A Point In Time | $2.4M | 3% |
