Cincinnati 金融 CINF
$185.48 −$2.83 (-1.50%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $185.48 0.00%
开盘$185.52
昨收$188.31
当日区间$184.86 – $187.15
成交量710.0K
市值$28.47B
市盈率（TTM）10.9
股息率1.99%
基本面
最新报告季度：Q2, ended Jun 2026
营收$4.27B+31.6% YoY
净利润$1.26B+83.2% YoY
摊薄每股收益$8.05+85.5% YoY
自由现金流$698.00M-5.3% YoY
经营现金流$700.00M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率23.8%
净资产收益率21.5%
资产收益率8.1%
负债/资产比率61.4%
总负债$876.00M
自由现金流/营收24.4%
营收构成
2026/Q3 季度
按业务线
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $4.27B | $2.86B | $12.63B | $3.09B | $3.73B |
| 营业总收入 | $4.27B | $2.86B | $12.63B | $3.09B | $3.73B |
| 已赚保费合计 | $2.64B | $2.60B | $9.98B | $2.59B | $2.57B |
| -净承保保费 | $2.83B | $2.72B | $10.08B | $2.36B | $2.49B |
| -未到期保费净准备增减 | -$190.00M | -$120.00M | -$99.00M | $231.00M | $74.00M |
| 手续费收入及其他收入 | $12.00M | $11.00M | $41.00M | $11.00M | $11.00M |
| -手续费及佣金 | $5.00M | $5.00M | $20.00M | $5.00M | $5.00M |
| -其他收入/费用 | $7.00M | $6.00M | $21.00M | $6.00M | $6.00M |
| 净投资收益 | $1.12B | -$97.00M | $1.46B | $195.00M | $860.00M |
| 投资已实现损益净额 | $189.00M | $34.00M | -$8.00M | -$5.00M | -$8.00M |
| 利息收入 | $316.00M | $311.00M | $1.16B | $298.00M | $296.00M |
| 总费用 | $2.70B | $2.54B | $9.65B | $2.25B | $2.31B |
| 理赔费用 | $1.89B | $1.75B | $6.64B | $1.47B | $1.54B |
| 承保费用 | $786.00M | $764.00M | $2.92B | $759.00M | $754.00M |
| 非经营性利息净收入（支出） | -$14.00M | -$13.00M | -$53.00M | -$13.00M | -$13.00M |
| -非经营性利息支出 | $14.00M | $13.00M | $53.00M | $13.00M | $13.00M |
| 其他营业费用 | $11.00M | $9.00M | $34.00M | $7.00M | $6.00M |
| 税前利润 | $1.58B | $326.00M | $2.98B | $840.00M | $1.41B |
| 税费 | $321.00M | $52.00M | $587.00M | $164.00M | $291.00M |
| 净利润 | $1.26B | $274.00M | $2.39B | $676.00M | $1.12B |
| 持续经营利润 | $1.26B | $274.00M | $2.39B | $676.00M | $1.12B |
| 归属母公司净利润 | $1.26B | $274.00M | $2.39B | $676.00M | $1.12B |
| 归属普通股股东净利润 | $1.26B | $274.00M | $2.39B | $676.00M | $1.12B |
| 基本每股收益 | $8.14 | $1.77 | $15.32 | $4.34 | $7.19 |
| 摊薄每股收益 | $8.05 | $1.75 | $15.17 | $4.29 | $7.11 |
| 每股股息 | $0.94 | $0.94 | $3.48 | $0.87 | $0.87 |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $43.23B | $41.21B | $41.00B | $41.00B | $40.57B |
| 现金及现金等价物 | $1.75B | $1.21B | $1.43B | $1.43B | $1.46B |
| 投资合计 | $33.15B | $32.00B | $31.78B | $31.78B | $31.10B |
| -短期投资 | $852.00M | $887.00M | $18.27B | $18.27B | $1.00B |
| -股权投资 | $31.44B | $30.33B | $12.69B | $12.69B | $29.33B |
| -其他投资资产 | $863.00M | $789.00M | $818.00M | $818.00M | $773.00M |
| 应收款 | $4.57B | $4.34B | $4.18B | $4.18B | $4.37B |
| -应收账款 | $4.18B | $3.95B | $3.80B | $3.80B | $3.99B |
| -其他应收款 | $395.00M | $389.00M | $381.00M | $381.00M | $380.00M |
| 固定资产净值 | $211.00M | $214.00M | $219.00M | $219.00M | $213.00M |
| 预付资产 | $124.00M | $95.00M | $71.00M | $71.00M | $100.00M |
| 递延保单获取成本 | $1.44B | $1.38B | $1.34B | $1.34B | $1.36B |
| 独立账户资产 | $996.00M | $988.00M | $981.00M | $981.00M | $971.00M |
| 其他资产 | $981.00M | $982.00M | $995.00M | $995.00M | $998.00M |
| 负债合计 | $26.56B | $25.50B | $25.09B | $25.09B | $25.16B |
| 保单持有人负债 | $21.19B | $20.35B | $19.75B | $19.75B | $19.69B |
| 短期债务及融资租赁负债 | $17.00M | $25.00M | $25.00M | $25.00M | $25.00M |
| -一年内到期债务 | $17.00M | $25.00M | $25.00M | $25.00M | $25.00M |
| 长期债务及融资租赁负债 | $859.00M | $859.00M | $861.00M | $861.00M | $858.00M |
| -长期债务 | $791.00M | $791.00M | $790.00M | $790.00M | $790.00M |
| -长期融资租赁负债 | $68.00M | $68.00M | $71.00M | $71.00M | $68.00M |
| 独立账户负债 | $996.00M | $988.00M | $981.00M | $981.00M | $971.00M |
| 一年以上递延负债 | $1.86B | $1.71B | $1.83B | $1.83B | $1.79B |
| 其他负债 | $1.64B | $1.57B | $1.64B | $1.64B | $1.83B |
| 股东权益合计 | $16.67B | $15.71B | $15.91B | $15.91B | $15.41B |
| 股东权益 | $16.67B | $15.71B | $15.91B | $15.91B | $15.41B |
| 股本 | $397.00M | $397.00M | $397.00M | $397.00M | $397.00M |
| -普通股 | $397.00M | $397.00M | $397.00M | $397.00M | $397.00M |
| 资本公积 | $1.58B | $1.56B | $1.56B | $1.56B | $1.54B |
| 留存收益 | $17.96B | $16.85B | $16.72B | $16.72B | $16.18B |
| 减：库存股 | $3.13B | $2.91B | $2.73B | $2.73B | $2.63B |
| 不影响留存收益的损益 | -$135.00M | -$185.00M | -$34.00M | -$34.00M | -$84.00M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $700.00M | $656.00M | $3.11B | $947.00M | $1.11B |
| 持续经营经营活动现金流净额 | $700.00M | $656.00M | $3.11B | $947.00M | $1.11B |
| 持续经营净利润 | $1.26B | $274.00M | $2.39B | $676.00M | $1.12B |
| 持续经营损益 | -$1.31B | $75.00M | -$1.41B | -$170.00M | -$843.00M |
| 递延税款 | $139.00M | -$82.00M | $283.00M | $27.00M | $163.00M |
| 营运资金变动 | $560.00M | $338.00M | $1.63B | $361.00M | $628.00M |
| -应收款变动 | -$260.00M | -$175.00M | -$306.00M | $218.00M | $213.00M |
| -赔款及理赔费用准备变动 | $542.00M | $470.00M | $1.56B | $268.00M | $214.00M |
| -递延获取成本变动 | -$58.00M | -$40.00M | -$102.00M | $16.00M | $7.00M |
| -未到期保费变动 | $300.00M | $170.00M | $441.00M | -$169.00M | -$21.00M |
| -其他流动资产变动 | -$7.00M | -$13.00M | -$73.00M | -$16.00M | $8.00M |
| -其他流动负债变动 | $125.00M | -$187.00M | $84.00M | $41.00M | $97.00M |
| -Change in Other Working Capital | -$82.00M | $113.00M | $26.00M | $3.00M | $110.00M |
| 投资活动现金流净额 | $243.00M | -$493.00M | -$1.69B | -$674.00M | -$403.00M |
| 持续经营投资活动现金流净额 | $243.00M | -$493.00M | -$1.69B | -$674.00M | -$403.00M |
| 固定资产购置及出售净额 | -$2.00M | -$2.00M | -$20.00M | -$8.00M | -$5.00M |
| 投资购置及出售净额 | $247.00M | -$494.00M | -$1.64B | -$666.00M | -$371.00M |
| 其他投资变动净额 | -$2.00M | $3.00M | -$30.00M | $0.00 | -$27.00M |
| 筹资活动现金流 | -$403.00M | -$384.00M | -$973.00M | -$302.00M | -$246.00M |
| 持续经营筹资活动现金流净额 | -$403.00M | -$384.00M | -$973.00M | -$302.00M | -$246.00M |
| 普通股发行净额 | -$216.00M | -$179.00M | -$205.00M | -$103.00M | -$60.00M |
| 已付现金股利 | -$143.00M | -$133.00M | -$525.00M | -$133.00M | -$134.00M |
| 股票期权行使所得 | $5.00M | $5.00M | $10.00M | $2.00M | $2.00M |
| 其他筹资费用净额 | -$41.00M | -$77.00M | -$253.00M | -$68.00M | -$54.00M |
| 期末现金余额 | $1.75B | $1.21B | $1.43B | $1.43B | $1.46B |
| 现金净变动 | $540.00M | -$221.00M | $448.00M | -$29.00M | $465.00M |
| 期初现金余额 | $1.21B | $1.43B | $983.00M | $1.46B | $995.00M |
| 自由现金流 | $698.00M | $654.00M | $3.09B | $939.00M | $1.11B |
| Net Issuance Payments of Debt | – | – | $0.00 | – | – |
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