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GENWORTH FINANCIAL INC（GNW）与Primerica, Inc.（PRI）财务数据对比。点击上方公司名可切换其他公司
GENWORTH FINANCIAL 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 0.1%，领先23.0%）。Primerica, Inc.同比增速更快（11.0% vs 0.1%）。过去两年Primerica, Inc.的营收复合增速更高（7.2% vs -2.2%）
Genworth Financial是总部位于美国弗吉尼亚州里士满的金融服务企业，核心业务涵盖人寿保险、长期护理保险、按揭保险以及年金产品，为客户提供多元风险管理与财富保障解决方案。
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。
GNW vs PRI — 直观对比
营收规模更大
GNW
是对方的2.1倍
$853.7M
营收增速更快
PRI
高出10.9%
0.1%
净利率更高
PRI
高出23.0%
0.1%
两年增速更快
PRI
近两年复合增速
-2.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $853.7M |
| 净利润 | $2.0M | $197.0M |
| 毛利率 | — | — |
| 营业利润率 | 1.0% | 28.9% |
| 净利率 | 0.1% | 23.1% |
| 营收同比 | 0.1% | 11.0% |
| 净利润同比 | 300.0% | 17.9% |
| 每股收益（稀释后） | $0.01 | $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GNWPRI
| Q4 25 | $1.8B | $853.7M | ||
| Q3 25 | $1.9B | $839.9M | ||
| Q2 25 | $1.8B | $793.3M | ||
| Q1 25 | $1.8B | $804.8M | ||
| Q4 24 | $1.8B | $768.8M | ||
| Q3 24 | $1.9B | $774.1M | ||
| Q2 24 | $1.8B | $803.4M | ||
| Q1 24 | $1.9B | $742.8M |
净利润GNWPRI
| Q4 25 | $2.0M | $197.0M | ||
| Q3 25 | $116.0M | $206.8M | ||
| Q2 25 | $51.0M | $178.3M | ||
| Q1 25 | $54.0M | $169.1M | ||
| Q4 24 | $-1.0M | $167.1M | ||
| Q3 24 | $85.0M | $164.4M | ||
| Q2 24 | $76.0M | $1.2M | ||
| Q1 24 | $139.0M | $137.9M |
毛利率GNWPRI
| 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GNWPRI
| Q4 25 | 1.0% | 28.9% | ||
| Q3 25 | 8.5% | 32.3% | ||
| Q2 25 | 3.8% | 29.6% | ||
| Q1 25 | 2.9% | 27.5% | ||
| Q4 24 | 3.1% | 64.7% | ||
| Q3 24 | 2.6% | 32.9% | ||
| Q2 24 | 7.1% | 1.0% | ||
| Q1 24 | 4.6% | 24.1% |
净利率GNWPRI
| Q4 25 | 0.1% | 23.1% | ||
| Q3 25 | 6.0% | 24.6% | ||
| Q2 25 | 2.8% | 22.5% | ||
| Q1 25 | 3.0% | 21.0% | ||
| Q4 24 | -0.1% | 21.7% | ||
| Q3 24 | 4.5% | 21.2% | ||
| Q2 24 | 4.3% | 0.1% | ||
| Q1 24 | 7.5% | 18.6% |
每股收益（稀释后）GNWPRI
| Q4 25 | $0.01 | $6.11 | ||
| Q3 25 | $0.28 | $6.35 | ||
| Q2 25 | $0.12 | $5.40 | ||
| Q1 25 | $0.13 | $5.05 | ||
| Q4 24 | $0.01 | $4.92 | ||
| Q3 24 | $0.19 | $4.83 | ||
| Q2 24 | $0.17 | $0.03 | ||
| Q1 24 | $0.31 | $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 | — | $756.2M |
| 总债务越低越好 | $1.5B | — |
| 股东权益账面价值 | $8.8B | $2.4B |
| 总资产 | $88.1B | $15.0B |
| 负债/权益比越低杠杆越低 | 0.17× | — |
8季度趋势，按日历期对齐
现金及短期投资GNWPRI
| Q4 25 | — | $756.2M | ||
| Q3 25 | — | $644.9M | ||
| Q2 25 | — | $621.2M | ||
| Q1 25 | — | $625.1M | ||
| Q4 24 | — | $687.8M | ||
| Q3 24 | — | $550.1M | ||
| Q2 24 | — | $627.3M | ||
| Q1 24 | — | $593.4M |
总债务GNWPRI
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.5B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $1.5B | — | ||
| Q2 24 | $1.6B | — | ||
| Q1 24 | $1.6B | — |
股东权益GNWPRI
| Q4 25 | $8.8B | $2.4B | ||
| Q3 25 | $8.8B | $2.3B | ||
| Q2 25 | $8.8B | $2.3B | ||
| Q1 25 | $8.7B | $2.3B | ||
| Q4 24 | $8.5B | $2.3B | ||
| Q3 24 | $8.3B | $1.9B | ||
| Q2 24 | $8.5B | $2.1B | ||
| Q1 24 | $8.0B | $2.2B |
总资产GNWPRI
| Q4 25 | $88.1B | $15.0B | ||
| Q3 25 | $88.5B | $14.8B | ||
| Q2 25 | $87.3B | $14.8B | ||
| Q1 25 | $87.3B | $14.6B | ||
| Q4 24 | $86.9B | $14.6B | ||
| Q3 24 | $90.8B | $14.8B | ||
| Q2 24 | $87.5B | $14.6B | ||
| Q1 24 | $89.2B | $14.9B |
负债/权益比GNWPRI
| Q4 25 | 0.17× | — | ||
| Q3 25 | 0.17× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.17× | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | 0.19× | — | ||
| Q2 24 | 0.18× | — | ||
| Q1 24 | 0.20× | — |
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 | $200.0M | $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 | 100.00× | 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GNWPRI
| Q4 25 | $200.0M | $338.2M | ||
| Q3 25 | $87.0M | $202.9M | ||
| Q2 25 | $6.0M | $162.6M | ||
| Q1 25 | $34.0M | $197.5M | ||
| Q4 24 | $27.0M | $270.6M | ||
| Q3 24 | $161.0M | $207.3M | ||
| Q2 24 | $7.0M | $173.3M | ||
| Q1 24 | $-107.0M | $210.9M |
现金转化率GNWPRI
| Q4 25 | 100.00× | 1.72× | ||
| Q3 25 | 0.75× | 0.98× | ||
| Q2 25 | 0.12× | 0.91× | ||
| Q1 25 | 0.63× | 1.17× | ||
| Q4 24 | — | 1.62× | ||
| Q3 24 | 1.89× | 1.26× | ||
| Q2 24 | 0.09× | 147.98× | ||
| Q1 24 | -0.77× | 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
GNW
| Enact Segment | $1.3B | 70% |
| Other | $386.0M | 22% |
| Annuities | $106.0M | 6% |
| Utilities | $20.0M | 1% |
| Consumer Cyclical | $17.0M | 1% |
| Energy | $4.0M | 0% |
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% |
