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F&G Annuities & Life, Inc.（FG）与Primerica, Inc.（PRI）财务数据对比。点击上方公司名可切换其他公司
F&G Annuities & Life, Inc.的季度营收约是Primerica, Inc.的2.1倍（$1.8B vs $853.7M）。Primerica, Inc.净利率更高（23.1% vs 7.3%，领先15.8%）。F&G Annuities & Life, Inc.同比增速更快（13.2% vs 11.0%）。过去两年Primerica, Inc.的营收复合增速更高（7.2% vs 6.1%）
F&G年金人寿保险公司是一家总部位于美国爱荷华州得梅因的上市企业，成立于1959年，核心业务涵盖年金产品、人寿保险及养老金收购服务，长期为客户提供多元化的风险保障与养老财务解决方案。
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。
FG vs PRI — 直观对比
营收规模更大
FG
是对方的2.1倍
$853.7M
营收增速更快
FG
高出2.2%
11.0%
净利率更高
PRI
高出15.8%
7.3%
两年增速更快
PRI
近两年复合增速
6.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $853.7M |
| 净利润 | $128.0M | $197.0M |
| 毛利率 | — | — |
| 营业利润率 | — | 28.9% |
| 净利率 | 7.3% | 23.1% |
| 营收同比 | 13.2% | 11.0% |
| 净利润同比 | -60.9% | 17.9% |
| 每股收益（稀释后） | $0.97 | $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FGPRI
| Q4 25 | $1.8B | $853.7M | ||
| Q3 25 | $1.7B | $839.9M | ||
| Q2 25 | $1.4B | $793.3M | ||
| Q1 25 | $908.0M | $804.8M | ||
| Q4 24 | $1.6B | $768.8M | ||
| Q3 24 | $1.4B | $774.1M | ||
| Q2 24 | $1.2B | $803.4M | ||
| Q1 24 | $1.6B | $742.8M |
净利润FGPRI
| Q4 25 | $128.0M | $197.0M | ||
| Q3 25 | $118.0M | $206.8M | ||
| Q2 25 | $40.0M | $178.3M | ||
| Q1 25 | $-21.0M | $169.1M | ||
| Q4 24 | $327.0M | $167.1M | ||
| Q3 24 | $-6.0M | $164.4M | ||
| Q2 24 | $203.0M | $1.2M | ||
| Q1 24 | $115.0M | $137.9M |
毛利率FGPRI
| 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FGPRI
| Q4 25 | — | 28.9% | ||
| Q3 25 | — | 32.3% | ||
| Q2 25 | — | 29.6% | ||
| Q1 25 | — | 27.5% | ||
| Q4 24 | — | 64.7% | ||
| Q3 24 | — | 32.9% | ||
| Q2 24 | — | 1.0% | ||
| Q1 24 | — | 24.1% |
净利率FGPRI
| Q4 25 | 7.3% | 23.1% | ||
| Q3 25 | 7.0% | 24.6% | ||
| Q2 25 | 2.9% | 22.5% | ||
| Q1 25 | -2.3% | 21.0% | ||
| Q4 24 | 21.0% | 21.7% | ||
| Q3 24 | -0.4% | 21.2% | ||
| Q2 24 | 17.3% | 0.1% | ||
| Q1 24 | 7.3% | 18.6% |
每股收益（稀释后）FGPRI
| Q4 25 | $0.97 | $6.11 | ||
| Q3 25 | $0.85 | $6.35 | ||
| Q2 25 | $0.26 | $5.40 | ||
| Q1 25 | $-0.20 | $5.05 | ||
| Q4 24 | $2.53 | $4.92 | ||
| Q3 24 | $-0.08 | $4.83 | ||
| Q2 24 | $1.55 | $0.03 | ||
| Q1 24 | $0.88 | $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 | $1.5B | $756.2M |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $4.8B | $2.4B |
| 总资产 | $98.4B | $15.0B |
| 负债/权益比越低杠杆越低 | 0.47× | — |
8季度趋势，按日历期对齐
现金及短期投资FGPRI
| Q4 25 | $1.5B | $756.2M | ||
| Q3 25 | $2.2B | $644.9M | ||
| Q2 25 | $1.9B | $621.2M | ||
| Q1 25 | $3.3B | $625.1M | ||
| Q4 24 | $2.3B | $687.8M | ||
| Q3 24 | $3.5B | $550.1M | ||
| Q2 24 | $3.5B | $627.3M | ||
| Q1 24 | $2.4B | $593.4M |
总债务FGPRI
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $2.2B | — | ||
| Q1 25 | $2.2B | — | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $1.7B | — |
股东权益FGPRI
| Q4 25 | $4.8B | $2.4B | ||
| Q3 25 | $4.8B | $2.3B | ||
| Q2 25 | $4.4B | $2.3B | ||
| Q1 25 | $4.4B | $2.3B | ||
| Q4 24 | $4.0B | $2.3B | ||
| Q3 24 | $4.3B | $1.9B | ||
| Q2 24 | $3.7B | $2.1B | ||
| Q1 24 | $3.5B | $2.2B |
总资产FGPRI
| Q4 25 | $98.4B | $15.0B | ||
| Q3 25 | $96.1B | $14.8B | ||
| Q2 25 | $91.8B | $14.8B | ||
| Q1 25 | $88.0B | $14.6B | ||
| Q4 24 | $85.0B | $14.6B | ||
| Q3 24 | $84.1B | $14.8B | ||
| Q2 24 | $78.5B | $14.6B | ||
| Q1 24 | $74.4B | $14.9B |
负债/权益比FGPRI
| Q4 25 | 0.47× | — | ||
| Q3 25 | 0.46× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.51× | — | ||
| Q4 24 | 0.55× | — | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.56× | — | ||
| Q1 24 | 0.49× | — |
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 | $1.2B | $338.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 9.13× | 1.72× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流FGPRI
| Q4 25 | $1.2B | $338.2M | ||
| Q3 25 | $937.0M | $202.9M | ||
| Q2 25 | $1.6B | $162.6M | ||
| Q1 25 | $956.0M | $197.5M | ||
| Q4 24 | $1.3B | $270.6M | ||
| Q3 24 | $2.1B | $207.3M | ||
| Q2 24 | $1.1B | $173.3M | ||
| Q1 24 | $1.5B | $210.9M |
现金转化率FGPRI
| Q4 25 | 9.13× | 1.72× | ||
| Q3 25 | 7.94× | 0.98× | ||
| Q2 25 | 40.50× | 0.91× | ||
| Q1 25 | — | 1.17× | ||
| Q4 24 | 4.04× | 1.62× | ||
| Q3 24 | — | 1.26× | ||
| Q2 24 | 5.20× | 147.98× | ||
| Q1 24 | 13.34× | 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
FG
| Reportable Segment | $1.0B | 57% |
| Other | $728.0M | 41% |
| Roar Joint Venture LLC | $24.0M | 1% |
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% |
