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西铁城（CIA）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.的季度营收约是西铁城的11.8倍（$853.7M vs $72.1M）。Primerica, Inc.净利率更高（23.1% vs 10.2%，领先12.9%）。西铁城同比增速更快（13.5% vs 11.0%）。过去两年西铁城的营收复合增速更高（11.7% vs 7.2%）
西铁城钟表株式会社，又称西铁城集团，是总部位于日本东京西东京市的知名跨国电子企业，核心业务为腕表制造，是西铁城集团的核心企业。除西铁城品牌腕表外，集团还拥有美国钟表公司宝路华，业务同时涵盖计算器、打印机、医疗设备与精密CNC加工设备制造。
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。
CIA vs PRI — 直观对比
营收规模更大
PRI
是对方的11.8倍
$72.1M
营收增速更快
CIA
高出2.5%
11.0%
净利率更高
PRI
高出12.9%
10.2%
两年增速更快
CIA
近两年复合增速
7.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $72.1M | $853.7M |
| 净利润 | $7.3M | $197.0M |
| 毛利率 | — | — |
| 营业利润率 | 10.9% | 28.9% |
| 净利率 | 10.2% | 23.1% |
| 营收同比 | 13.5% | 11.0% |
| 净利润同比 | 102.7% | 17.9% |
| 每股收益（稀释后） | — | $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CIAPRI
| Q4 25 | $72.1M | $853.7M | ||
| Q3 25 | $62.8M | $839.9M | ||
| Q2 25 | $65.1M | $793.3M | ||
| Q1 25 | $55.7M | $804.8M | ||
| Q4 24 | $63.5M | $768.8M | ||
| Q3 24 | $61.7M | $774.1M | ||
| Q2 24 | $62.1M | $803.4M | ||
| Q1 24 | $57.7M | $742.8M |
净利润CIAPRI
| Q4 25 | $7.3M | $197.0M | ||
| Q3 25 | $2.4M | $206.8M | ||
| Q2 25 | $6.5M | $178.3M | ||
| Q1 25 | $-1.6M | $169.1M | ||
| Q4 24 | $3.6M | $167.1M | ||
| Q3 24 | $2.8M | $164.4M | ||
| Q2 24 | $4.0M | $1.2M | ||
| Q1 24 | $4.5M | $137.9M |
毛利率CIAPRI
| 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CIAPRI
| Q4 25 | 10.9% | 28.9% | ||
| Q3 25 | 7.1% | 32.3% | ||
| Q2 25 | 10.6% | 29.6% | ||
| Q1 25 | -3.2% | 27.5% | ||
| Q4 24 | 5.9% | 64.7% | ||
| Q3 24 | 4.9% | 32.9% | ||
| Q2 24 | 5.3% | 1.0% | ||
| Q1 24 | 8.5% | 24.1% |
净利率CIAPRI
| Q4 25 | 10.2% | 23.1% | ||
| Q3 25 | 3.8% | 24.6% | ||
| Q2 25 | 9.9% | 22.5% | ||
| Q1 25 | -2.9% | 21.0% | ||
| Q4 24 | 5.7% | 21.7% | ||
| Q3 24 | 4.5% | 21.2% | ||
| Q2 24 | 6.4% | 0.1% | ||
| Q1 24 | 7.9% | 18.6% |
每股收益（稀释后）CIAPRI
| Q4 25 | — | $6.11 | ||
| Q3 25 | — | $6.35 | ||
| Q2 25 | — | $5.40 | ||
| Q1 25 | — | $5.05 | ||
| Q4 24 | — | $4.92 | ||
| Q3 24 | — | $4.83 | ||
| Q2 24 | — | $0.03 | ||
| Q1 24 | — | $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 | $23.0M | $756.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $235.0M | $2.4B |
| 总资产 | $1.8B | $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CIAPRI
| Q4 25 | $23.0M | $756.2M | ||
| Q3 25 | $23.1M | $644.9M | ||
| Q2 25 | $22.7M | $621.2M | ||
| Q1 25 | $18.4M | $625.1M | ||
| Q4 24 | $29.3M | $687.8M | ||
| Q3 24 | $32.4M | $550.1M | ||
| Q2 24 | $26.3M | $627.3M | ||
| Q1 24 | $23.2M | $593.4M |
股东权益CIAPRI
| Q4 25 | $235.0M | $2.4B | ||
| Q3 25 | $225.6M | $2.3B | ||
| Q2 25 | $229.0M | $2.3B | ||
| Q1 25 | $218.1M | $2.3B | ||
| Q4 24 | $210.4M | $2.3B | ||
| Q3 24 | $207.6M | $1.9B | ||
| Q2 24 | $191.5M | $2.1B | ||
| Q1 24 | $195.2M | $2.2B |
总资产CIAPRI
| Q4 25 | $1.8B | $15.0B | ||
| Q3 25 | $1.7B | $14.8B | ||
| Q2 25 | $1.7B | $14.8B | ||
| Q1 25 | $1.7B | $14.6B | ||
| Q4 24 | $1.7B | $14.6B | ||
| Q3 24 | $1.7B | $14.8B | ||
| Q2 24 | $1.7B | $14.6B | ||
| Q1 24 | $1.7B | $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 | $9.1M | $338.2M |
| 自由现金流经营现金流 - 资本支出 | $9.0M | — |
| 自由现金流率自由现金流/营收 | 12.5% | — |
| 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 | 1.24× | 1.72× |
| 过去12个月自由现金流最近4个季度 | $17.5M | — |
8季度趋势，按日历期对齐
经营现金流CIAPRI
| Q4 25 | $9.1M | $338.2M | ||
| Q3 25 | $4.7M | $202.9M | ||
| Q2 25 | $3.5M | $162.6M | ||
| Q1 25 | $748.0K | $197.5M | ||
| Q4 24 | $10.8M | $270.6M | ||
| Q3 24 | $9.7M | $207.3M | ||
| Q2 24 | $4.6M | $173.3M | ||
| Q1 24 | $6.8M | $210.9M |
自由现金流CIAPRI
| Q4 25 | $9.0M | — | ||
| Q3 25 | $4.6M | — | ||
| Q2 25 | $3.3M | — | ||
| Q1 25 | $641.0K | — | ||
| Q4 24 | $10.7M | — | ||
| Q3 24 | $9.3M | — | ||
| Q2 24 | $4.5M | — | ||
| Q1 24 | $6.7M | — |
自由现金流率CIAPRI
| Q4 25 | 12.5% | — | ||
| Q3 25 | 7.3% | — | ||
| Q2 25 | 5.1% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 16.9% | — | ||
| Q3 24 | 15.1% | — | ||
| Q2 24 | 7.2% | — | ||
| Q1 24 | 11.7% | — |
资本支出强度CIAPRI
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 0.2% | — | ||
| Q1 24 | 0.1% | — |
现金转化率CIAPRI
| Q4 25 | 1.24× | 1.72× | ||
| Q3 25 | 1.93× | 0.98× | ||
| Q2 25 | 0.54× | 0.91× | ||
| Q1 25 | — | 1.17× | ||
| Q4 24 | 2.99× | 1.62× | ||
| Q3 24 | 3.48× | 1.26× | ||
| Q2 24 | 1.16× | 147.98× | ||
| Q1 24 | 1.49× | 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
CIA
暂无分部数据
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% |
