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Side-by-side financial comparison of PHINIA INC. (PHIN) and Primerica, Inc. (PRI). Click either name above to swap in a different company.
PHINIA INC. is the larger business by last-quarter revenue ($889.0M vs $853.7M, roughly 1.0× Primerica, Inc.). On growth, Primerica, Inc. posted the faster year-over-year revenue change (11.0% vs 6.7%). Over the past eight quarters, Primerica, Inc.'s revenue compounded faster (7.2% CAGR vs 1.5%).
PHINIA Inc. is a global automotive technology provider specializing in fuel injection systems, starters, alternators, and hybrid/electric vehicle components. It serves OEMs and aftermarket customers across North America, Europe, Asia Pacific and key markets, covering passenger car, commercial vehicle and industrial mobility segments.
Primerica, Inc. is a multi-level marketing company that provides insurance, investment and financial services to middle-income families in the United States and Canada.
PHIN vs PRI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $889.0M | $853.7M |
| Net Profit | — | $197.0M |
| Gross Margin | 21.7% | — |
| Operating Margin | 7.8% | 28.9% |
| Net Margin | — | 23.1% |
| Revenue YoY | 6.7% | 11.0% |
| Net Profit YoY | — | 17.9% |
| EPS (diluted) | $1.14 | $6.11 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $889.0M | $853.7M | ||
| Q3 25 | $908.0M | $839.9M | ||
| Q2 25 | $890.0M | $793.3M | ||
| Q1 25 | $796.0M | $804.8M | ||
| Q4 24 | $833.0M | $768.8M | ||
| Q3 24 | $839.0M | $774.1M | ||
| Q2 24 | $868.0M | $803.4M | ||
| Q1 24 | $863.0M | $742.8M |
| Q4 25 | — | $197.0M | ||
| Q3 25 | $13.0M | $206.8M | ||
| Q2 25 | $46.0M | $178.3M | ||
| Q1 25 | $26.0M | $169.1M | ||
| Q4 24 | — | $167.1M | ||
| Q3 24 | $31.0M | $164.4M | ||
| Q2 24 | $14.0M | $1.2M | ||
| Q1 24 | $29.0M | $137.9M |
| Q4 25 | 21.7% | — | ||
| Q3 25 | 22.0% | — | ||
| Q2 25 | 22.1% | — | ||
| Q1 25 | 21.6% | — | ||
| Q4 24 | 22.7% | — | ||
| Q3 24 | 22.3% | — | ||
| Q2 24 | 21.7% | 98.0% | ||
| Q1 24 | 22.2% | 98.2% |
| Q4 25 | 7.8% | 28.9% | ||
| Q3 25 | 3.7% | 32.3% | ||
| Q2 25 | 10.0% | 29.6% | ||
| Q1 25 | 7.8% | 27.5% | ||
| Q4 24 | 6.1% | 64.7% | ||
| Q3 24 | 7.9% | 32.9% | ||
| Q2 24 | 8.2% | 1.0% | ||
| Q1 24 | 8.2% | 24.1% |
| Q4 25 | — | 23.1% | ||
| Q3 25 | 1.4% | 24.6% | ||
| Q2 25 | 5.2% | 22.5% | ||
| Q1 25 | 3.3% | 21.0% | ||
| Q4 24 | — | 21.7% | ||
| Q3 24 | 3.7% | 21.2% | ||
| Q2 24 | 1.6% | 0.1% | ||
| Q1 24 | 3.4% | 18.6% |
| Q4 25 | $1.14 | $6.11 | ||
| Q3 25 | $0.33 | $6.35 | ||
| Q2 25 | $1.14 | $5.40 | ||
| Q1 25 | $0.63 | $5.05 | ||
| Q4 24 | $0.13 | $4.92 | ||
| Q3 24 | $0.70 | $4.83 | ||
| Q2 24 | $0.31 | $0.03 | ||
| Q1 24 | $0.62 | $3.93 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $359.0M | $756.2M |
| Total DebtLower is stronger | $970.0M | — |
| Stockholders' EquityBook value | $1.6B | $2.4B |
| Total Assets | $3.8B | $15.0B |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $359.0M | $756.2M | ||
| Q3 25 | $349.0M | $644.9M | ||
| Q2 25 | $347.0M | $621.2M | ||
| Q1 25 | $373.0M | $625.1M | ||
| Q4 24 | $484.0M | $687.8M | ||
| Q3 24 | $477.0M | $550.1M | ||
| Q2 24 | $339.0M | $627.3M | ||
| Q1 24 | $325.0M | $593.4M |
| Q4 25 | $970.0M | — | ||
| Q3 25 | $990.0M | — | ||
| Q2 25 | $990.0M | — | ||
| Q1 25 | $989.0M | — | ||
| Q4 24 | $988.0M | — | ||
| Q3 24 | $987.0M | — | ||
| Q2 24 | $821.0M | — | ||
| Q1 24 | $706.0M | — |
| Q4 25 | $1.6B | $2.4B | ||
| Q3 25 | $1.6B | $2.3B | ||
| Q2 25 | $1.6B | $2.3B | ||
| Q1 25 | $1.5B | $2.3B | ||
| Q4 24 | $1.6B | $2.3B | ||
| Q3 24 | $1.7B | $1.9B | ||
| Q2 24 | $1.7B | $2.1B | ||
| Q1 24 | $1.9B | $2.2B |
| Q4 25 | $3.8B | $15.0B | ||
| Q3 25 | $4.0B | $14.8B | ||
| Q2 25 | $3.9B | $14.8B | ||
| Q1 25 | $3.7B | $14.6B | ||
| Q4 24 | $3.8B | $14.6B | ||
| Q3 24 | $4.0B | $14.8B | ||
| Q2 24 | $3.9B | $14.6B | ||
| Q1 24 | $4.0B | $14.9B |
| Q4 25 | 0.61× | — | ||
| Q3 25 | 0.62× | — | ||
| Q2 25 | 0.61× | — | ||
| Q1 25 | 0.64× | — | ||
| Q4 24 | 0.63× | — | ||
| Q3 24 | 0.58× | — | ||
| Q2 24 | 0.47× | — | ||
| Q1 24 | 0.38× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $96.0M | $338.2M |
| Free Cash FlowOCF − Capex | $67.0M | — |
| FCF MarginFCF / Revenue | 7.5% | — |
| Capex IntensityCapex / Revenue | 3.3% | — |
| Cash ConversionOCF / Net Profit | — | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | $188.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $96.0M | $338.2M | ||
| Q3 25 | $119.0M | $202.9M | ||
| Q2 25 | $57.0M | $162.6M | ||
| Q1 25 | $40.0M | $197.5M | ||
| Q4 24 | $73.0M | $270.6M | ||
| Q3 24 | $95.0M | $207.3M | ||
| Q2 24 | $109.0M | $173.3M | ||
| Q1 24 | $31.0M | $210.9M |
| Q4 25 | $67.0M | — | ||
| Q3 25 | $93.0M | — | ||
| Q2 25 | $23.0M | — | ||
| Q1 25 | $5.0M | — | ||
| Q4 24 | $53.0M | — | ||
| Q3 24 | $70.0M | — | ||
| Q2 24 | $92.0M | — | ||
| Q1 24 | $-12.0M | — |
| Q4 25 | 7.5% | — | ||
| Q3 25 | 10.2% | — | ||
| Q2 25 | 2.6% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 6.4% | — | ||
| Q3 24 | 8.3% | — | ||
| Q2 24 | 10.6% | — | ||
| Q1 24 | -1.4% | — |
| Q4 25 | 3.3% | — | ||
| Q3 25 | 2.9% | — | ||
| Q2 25 | 3.8% | — | ||
| Q1 25 | 4.4% | — | ||
| Q4 24 | 2.4% | — | ||
| Q3 24 | 3.0% | — | ||
| Q2 24 | 2.0% | — | ||
| Q1 24 | 5.0% | — |
| Q4 25 | — | 1.72× | ||
| Q3 25 | 9.15× | 0.98× | ||
| Q2 25 | 1.24× | 0.91× | ||
| Q1 25 | 1.54× | 1.17× | ||
| Q4 24 | — | 1.62× | ||
| Q3 24 | 3.06× | 1.26× | ||
| Q2 24 | 7.79× | 147.98× | ||
| Q1 24 | 1.07× | 1.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PHIN
| Customer | $618.0M | 70% |
| Fuel Systems | $194.0M | 22% |
| Other | $77.0M | 9% |
PRI
| Revenues From Sources Other Than Contracts With Customers | $445.9M | 52% |
| Investment And Savings Products Segment Revenues | $340.3M | 40% |
| Other | $56.5M | 7% |
| Segment Revenues From Contracts With Customers | $11.0M | 1% |
