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CSW INDUSTRIALS, INC.（CSW）とHORACE MANN EDUCATORS CORP（HMN）の財務データ比較。上の社名をクリックして会社を切り替えられます
HORACE MANN EDUCATORS CORPの直近四半期売上が大きい（$434.8M vs $233.0M、CSW INDUSTRIALS, INC.の約1.9倍）。CSW INDUSTRIALS, INC.の前年同期比売上増加率が高い（20.3% vs 6.3%）。過去8四半期でHORACE MANN EDUCATORS CORPの売上複合成長率が高い（6.1% vs 5.1%）
ホレスマンは米国イリノイ州に本拠を置く金融サービス企業で、自動車保険、損害保険、補償保険、生命保険を主力事業とし、退職年金や投資信託などの金融商品も提供しています。主に教育関係者とその家族を顧客層としています。
CSW vs HMN — 直接比較
売上が大きい
HMN
1.9倍大きい
$233.0M
売上成長率が高い
CSW
+14.0%の差
6.3%
2年売上CAGRが高い
HMN
2年複合成長率
5.1%
損益計算書 — Q3 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $233.0M | $434.8M |
| 純利益 | $10.3M | — |
| 粗利率 | 39.7% | — |
| 営業利益率 | 7.4% | 10.5% |
| 純利益率 | 4.4% | — |
| 売上前年比 | 20.3% | 6.3% |
| 純利益前年比 | -61.9% | — |
| EPS（希薄化後） | $0.62 | $0.87 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
売上CSWHMN
| Q4 25 | $233.0M | $434.8M | ||
| Q3 25 | $277.0M | $438.5M | ||
| Q2 25 | $263.6M | $411.7M | ||
| Q1 25 | $230.5M | $416.4M | ||
| Q4 24 | $193.6M | $409.0M | ||
| Q3 24 | $227.9M | $412.1M | ||
| Q2 24 | $226.2M | $388.1M | ||
| Q1 24 | $210.9M | $386.0M |
純利益CSWHMN
| Q4 25 | $10.3M | — | ||
| Q3 25 | $40.7M | $58.3M | ||
| Q2 25 | $40.9M | $29.4M | ||
| Q1 25 | $35.1M | $38.2M | ||
| Q4 24 | $26.9M | — | ||
| Q3 24 | $36.1M | $34.3M | ||
| Q2 24 | $38.6M | $3.8M | ||
| Q1 24 | $31.8M | $26.5M |
粗利率CSWHMN
| Q4 25 | 39.7% | — | ||
| Q3 25 | 43.0% | — | ||
| Q2 25 | 43.8% | — | ||
| Q1 25 | 44.2% | — | ||
| Q4 24 | 41.4% | — | ||
| Q3 24 | 45.6% | — | ||
| Q2 24 | 47.5% | — | ||
| Q1 24 | 44.4% | — |
営業利益率CSWHMN
| Q4 25 | 7.4% | 10.5% | ||
| Q3 25 | 20.5% | 16.3% | ||
| Q2 25 | 20.8% | 8.9% | ||
| Q1 25 | 19.5% | 11.4% | ||
| Q4 24 | 15.3% | 11.8% | ||
| Q3 24 | 22.6% | 10.4% | ||
| Q2 24 | 24.3% | 1.2% | ||
| Q1 24 | 21.0% | 8.5% |
純利益率CSWHMN
| Q4 25 | 4.4% | — | ||
| Q3 25 | 14.7% | 13.3% | ||
| Q2 25 | 15.5% | 7.1% | ||
| Q1 25 | 15.2% | 9.2% | ||
| Q4 24 | 13.9% | — | ||
| Q3 24 | 15.8% | 8.3% | ||
| Q2 24 | 17.1% | 1.0% | ||
| Q1 24 | 15.1% | 6.9% |
EPS（希薄化後）CSWHMN
| Q4 25 | $0.62 | $0.87 | ||
| Q3 25 | $2.41 | $1.40 | ||
| Q2 25 | $2.43 | $0.71 | ||
| Q1 25 | $2.05 | $0.92 | ||
| Q4 24 | $1.60 | $0.92 | ||
| Q3 24 | $2.26 | $0.83 | ||
| Q2 24 | $2.47 | $0.09 | ||
| Q1 24 | $2.03 | $0.64 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $40.2M | $27.5M |
| 総負債低いほど良い | — | $593.4M |
| 株主資本純資産 | $1.1B | $1.5B |
| 総資産 | $2.3B | $15.3B |
| 負債/資本比率低いほどレバレッジが低い | — | 0.40× |
8四半期トレンド — 暦四半期で整列
現金・短期投資CSWHMN
| Q4 25 | $40.2M | $27.5M | ||
| Q3 25 | $31.5M | $46.7M | ||
| Q2 25 | $38.0M | — | ||
| Q1 25 | $225.8M | — | ||
| Q4 24 | $213.8M | $38.1M | ||
| Q3 24 | $273.2M | — | ||
| Q2 24 | $18.9M | — | ||
| Q1 24 | $22.2M | — |
総負債CSWHMN
| Q4 25 | — | $593.4M | ||
| Q3 25 | — | $842.9M | ||
| Q2 25 | — | $547.5M | ||
| Q1 25 | $800.1M | $547.2M | ||
| Q4 24 | — | $547.0M | ||
| Q3 24 | — | $546.7M | ||
| Q2 24 | — | $546.5M | ||
| Q1 24 | $166.0M | $546.2M |
株主資本CSWHMN
| Q4 25 | $1.1B | $1.5B | ||
| Q3 25 | $1.1B | $1.4B | ||
| Q2 25 | $1.1B | $1.4B | ||
| Q1 25 | $1.1B | $1.3B | ||
| Q4 24 | $1.0B | $1.3B | ||
| Q3 24 | $1.0B | $1.3B | ||
| Q2 24 | $650.2M | $1.2B | ||
| Q1 24 | $615.7M | $1.2B |
総資産CSWHMN
| Q4 25 | $2.3B | $15.3B | ||
| Q3 25 | $1.5B | $15.5B | ||
| Q2 25 | $1.5B | $14.7B | ||
| Q1 25 | $1.4B | $14.4B | ||
| Q4 24 | $1.4B | $14.5B | ||
| Q3 24 | $1.4B | $14.7B | ||
| Q2 24 | $1.1B | $14.3B | ||
| Q1 24 | $1.0B | $14.2B |
負債/資本比率CSWHMN
| Q4 25 | — | 0.40× | ||
| Q3 25 | — | 0.58× | ||
| Q2 25 | — | 0.40× | ||
| Q1 25 | 0.75× | 0.41× | ||
| Q4 24 | — | 0.42× | ||
| Q3 24 | — | 0.42× | ||
| Q2 24 | — | 0.45× | ||
| Q1 24 | 0.27× | 0.45× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $28.9M | $553.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $22.7M | — |
| FCFマージンFCF / 売上 | 9.8% | — |
| 設備投資強度設備投資 / 売上 | 2.6% | — |
| キャッシュ転換率営業CF / 純利益 | 2.81× | — |
| 直近12ヶ月FCF直近4四半期 | $162.0M | — |
8四半期トレンド — 暦四半期で整列
営業キャッシュフローCSWHMN
| Q4 25 | $28.9M | $553.2M | ||
| Q3 25 | $61.8M | $151.2M | ||
| Q2 25 | $60.6M | $131.3M | ||
| Q1 25 | $27.3M | $140.8M | ||
| Q4 24 | $11.6M | $452.1M | ||
| Q3 24 | $66.8M | $143.9M | ||
| Q2 24 | $62.7M | $40.2M | ||
| Q1 24 | $22.4M | $74.5M |
フリーキャッシュフローCSWHMN
| Q4 25 | $22.7M | — | ||
| Q3 25 | $58.7M | — | ||
| Q2 25 | $57.7M | — | ||
| Q1 25 | $22.8M | — | ||
| Q4 24 | $8.5M | — | ||
| Q3 24 | $61.3M | — | ||
| Q2 24 | $59.6M | — | ||
| Q1 24 | $17.5M | — |
FCFマージンCSWHMN
| Q4 25 | 9.8% | — | ||
| Q3 25 | 21.2% | — | ||
| Q2 25 | 21.9% | — | ||
| Q1 25 | 9.9% | — | ||
| Q4 24 | 4.4% | — | ||
| Q3 24 | 26.9% | — | ||
| Q2 24 | 26.3% | — | ||
| Q1 24 | 8.3% | — |
設備投資強度CSWHMN
| Q4 25 | 2.6% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 1.1% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 1.6% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 1.4% | — | ||
| Q1 24 | 2.3% | — |
キャッシュ転換率CSWHMN
| Q4 25 | 2.81× | — | ||
| Q3 25 | 1.52× | 2.59× | ||
| Q2 25 | 1.48× | 4.47× | ||
| Q1 25 | 0.78× | 3.69× | ||
| Q4 24 | 0.43× | — | ||
| Q3 24 | 1.85× | 4.20× | ||
| Q2 24 | 1.62× | 10.58× | ||
| Q1 24 | 0.71× | 2.81× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
HMN
| Property And Casualty | $224.3M | 52% |
| Life And Retirement | $139.6M | 32% |
| Supplemental And Group Benefits | $77.0M | 18% |
