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ATLANTIC AMERICAN CORP（AAME）与Primerica, Inc.（PRI）财务数据对比。点击上方公司名可切换其他公司
Primerica, Inc.的季度营收约是ATLANTIC AMERICAN CORP的15.9倍（$853.7M vs $53.8M）。Primerica, Inc.净利率更高（23.1% vs 1.1%，领先22.0%）。ATLANTIC AMERICAN CORP同比增速更快（20.8% vs 11.0%）。过去两年ATLANTIC AMERICAN CORP的营收复合增速更高（7.2% vs 7.2%）
大西洋电报公司成立于1856年11月6日，主要业务是铺设并运营跨大西洋商业电报电缆，这也是人类历史上第一条跨大西洋的电信通信链路。
Primerica, Inc.是一家采用多层次营销模式的金融服务机构，业务覆盖美国与加拿大市场，主要面向当地中等收入家庭提供保险、投资等多元化金融产品，满足客户的风险保障与差异化财富管理需求。
AAME vs PRI — 直观对比
营收规模更大
PRI
是对方的15.9倍
$53.8M
营收增速更快
AAME
高出9.7%
11.0%
净利率更高
PRI
高出22.0%
1.1%
两年增速更快
AAME
近两年复合增速
7.2%
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $53.8M | $853.7M |
| 净利润 | $577.0K | $197.0M |
| 毛利率 | — | — |
| 营业利润率 | 1.4% | 28.9% |
| 净利率 | 1.1% | 23.1% |
| 营收同比 | 20.8% | 11.0% |
| 净利润同比 | 128.9% | 17.9% |
| 每股收益（稀释后） | $0.02 | $6.11 |
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AAMEPRI
| Q4 25 | — | $853.7M | ||
| Q3 25 | $53.8M | $839.9M | ||
| Q2 25 | $55.3M | $793.3M | ||
| Q1 25 | $50.1M | $804.8M | ||
| Q4 24 | $49.0M | $768.8M | ||
| Q3 24 | $44.5M | $774.1M | ||
| Q2 24 | $47.7M | $803.4M | ||
| Q1 24 | $47.0M | $742.8M |
净利润AAMEPRI
| Q4 25 | — | $197.0M | ||
| Q3 25 | $577.0K | $206.8M | ||
| Q2 25 | $3.3M | $178.3M | ||
| Q1 25 | $802.0K | $169.1M | ||
| Q4 24 | $412.0K | $167.1M | ||
| Q3 24 | $-2.0M | $164.4M | ||
| Q2 24 | $-684.0K | $1.2M | ||
| Q1 24 | $-2.0M | $137.9M |
毛利率AAMEPRI
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 98.0% | ||
| Q1 24 | — | 98.2% |
营业利润率AAMEPRI
| Q4 25 | — | 28.9% | ||
| Q3 25 | 1.4% | 32.3% | ||
| Q2 25 | 7.6% | 29.6% | ||
| Q1 25 | 2.1% | 27.5% | ||
| Q4 24 | 1.1% | 64.7% | ||
| Q3 24 | -5.5% | 32.9% | ||
| Q2 24 | -1.8% | 1.0% | ||
| Q1 24 | -5.3% | 24.1% |
净利率AAMEPRI
| Q4 25 | — | 23.1% | ||
| Q3 25 | 1.1% | 24.6% | ||
| Q2 25 | 6.0% | 22.5% | ||
| Q1 25 | 1.6% | 21.0% | ||
| Q4 24 | 0.8% | 21.7% | ||
| Q3 24 | -4.5% | 21.2% | ||
| Q2 24 | -1.4% | 0.1% | ||
| Q1 24 | -4.3% | 18.6% |
每股收益（稀释后）AAMEPRI
| Q4 25 | — | $6.11 | ||
| Q3 25 | $0.02 | $6.35 | ||
| Q2 25 | $0.15 | $5.40 | ||
| Q1 25 | $0.03 | $5.05 | ||
| Q4 24 | $0.01 | $4.92 | ||
| Q3 24 | $-0.10 | $4.83 | ||
| Q2 24 | $-0.04 | $0.03 | ||
| Q1 24 | $-0.10 | $3.93 |
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 | $34.4M | $756.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $109.5M | $2.4B |
| 总资产 | $430.9M | $15.0B |
| 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AAMEPRI
| Q4 25 | — | $756.2M | ||
| Q3 25 | $34.4M | $644.9M | ||
| Q2 25 | $46.4M | $621.2M | ||
| Q1 25 | $35.9M | $625.1M | ||
| Q4 24 | $35.6M | $687.8M | ||
| Q3 24 | $23.0M | $550.1M | ||
| Q2 24 | $21.2M | $627.3M | ||
| Q1 24 | $21.2M | $593.4M |
股东权益AAMEPRI
| Q4 25 | — | $2.4B | ||
| Q3 25 | $109.5M | $2.3B | ||
| Q2 25 | $106.2M | $2.3B | ||
| Q1 25 | $102.4M | $2.3B | ||
| Q4 24 | $99.6M | $2.3B | ||
| Q3 24 | $105.8M | $1.9B | ||
| Q2 24 | $100.7M | $2.1B | ||
| Q1 24 | $102.8M | $2.2B |
总资产AAMEPRI
| Q4 25 | — | $15.0B | ||
| Q3 25 | $430.9M | $14.8B | ||
| Q2 25 | $429.3M | $14.8B | ||
| Q1 25 | $388.4M | $14.6B | ||
| Q4 24 | $393.4M | $14.6B | ||
| Q3 24 | $387.0M | $14.8B | ||
| Q2 24 | $386.0M | $14.6B | ||
| Q1 24 | $365.8M | $14.9B |
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 | $6.6M | $338.2M |
| 自由现金流经营现金流 - 资本支出 | $6.6M | — |
| 自由现金流率自由现金流/营收 | 12.3% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 现金转化率经营现金流/净利润 | 11.51× | 1.72× |
| 过去12个月自由现金流最近4个季度 | $24.2M | — |
8季度趋势，按日历期对齐
经营现金流AAMEPRI
| Q4 25 | — | $338.2M | ||
| Q3 25 | $6.6M | $202.9M | ||
| Q2 25 | $9.3M | $162.6M | ||
| Q1 25 | $-722.0K | $197.5M | ||
| Q4 24 | $9.6M | $270.6M | ||
| Q3 24 | $90.0K | $207.3M | ||
| Q2 24 | $416.0K | $173.3M | ||
| Q1 24 | $-5.3M | $210.9M |
自由现金流AAMEPRI
| Q4 25 | — | — | ||
| Q3 25 | $6.6M | — | ||
| Q2 25 | $9.1M | — | ||
| Q1 25 | $-986.0K | — | ||
| Q4 24 | $9.5M | — | ||
| Q3 24 | $58.0K | — | ||
| Q2 24 | $361.0K | — | ||
| Q1 24 | $-5.4M | — |
自由现金流率AAMEPRI
| Q4 25 | — | — | ||
| Q3 25 | 12.3% | — | ||
| Q2 25 | 16.5% | — | ||
| Q1 25 | -2.0% | — | ||
| Q4 24 | 19.4% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.8% | — | ||
| Q1 24 | -11.4% | — |
资本支出强度AAMEPRI
| Q4 25 | — | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.5% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.1% | — |
现金转化率AAMEPRI
| Q4 25 | — | 1.72× | ||
| Q3 25 | 11.51× | 0.98× | ||
| Q2 25 | 2.80× | 0.91× | ||
| Q1 25 | -0.90× | 1.17× | ||
| Q4 24 | 23.33× | 1.62× | ||
| Q3 24 | — | 1.26× | ||
| Q2 24 | — | 147.98× | ||
| Q1 24 | — | 1.53× |
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
AAME
| Bankers Fidelity | $30.0M | 56% |
| American Southern | $23.7M | 44% |
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% |
