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HORACE MANN EDUCATORS CORP（HMN）与ICU MEDICAL INC（ICUI）财务数据对比。点击上方公司名可切换其他公司
ICU MEDICAL INC的季度营收约是HORACE MANN EDUCATORS CORP的1.2倍（$540.7M vs $434.8M），HORACE MANN EDUCATORS CORP同比增速更快（6.3% vs -14.1%），过去两年HORACE MANN EDUCATORS CORP的营收复合增速更高（6.1% vs -2.3%）
贺拉斯曼是一家总部位于美国伊利诺伊州的金融服务企业，主营汽车保险、财产保险、补充保险与人寿保险业务，同时提供退休年金、共同基金等金融产品，核心服务群体为教育工作者及其家庭。
ICU医疗是总部位于美国加利福尼亚州圣克莱门特的医疗科技企业，专注于研发预防血流感染、保护医护人员免受传染病或危险药物侵害的医疗产品，产品线覆盖静脉治疗用品、输液泵、无针血管通路设备、定制输液套装、危险药物密闭处理系统、传感导管以及无针封闭式血液采样系统等。
HMN vs ICUI — 直观对比
营收规模更大
ICUI
是对方的1.2倍
$434.8M
营收增速更快
HMN
高出20.5%
-14.1%
两年增速更快
HMN
近两年复合增速
-2.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $434.8M | $540.7M |
| 净利润 | — | $-15.7M |
| 毛利率 | — | 37.5% |
| 营业利润率 | 10.5% | 1.0% |
| 净利率 | — | -2.9% |
| 营收同比 | 6.3% | -14.1% |
| 净利润同比 | — | 34.0% |
| 每股收益（稀释后） | $0.87 | $-0.63 |
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HMNICUI
| Q4 25 | $434.8M | $540.7M | ||
| Q3 25 | $438.5M | $537.0M | ||
| Q2 25 | $411.7M | $548.9M | ||
| Q1 25 | $416.4M | $604.7M | ||
| Q4 24 | $409.0M | $629.8M | ||
| Q3 24 | $412.1M | $589.1M | ||
| Q2 24 | $388.1M | $596.5M | ||
| Q1 24 | $386.0M | $566.7M |
净利润HMNICUI
| Q4 25 | — | $-15.7M | ||
| Q3 25 | $58.3M | $-3.4M | ||
| Q2 25 | $29.4M | $35.3M | ||
| Q1 25 | $38.2M | $-15.5M | ||
| Q4 24 | — | $-23.8M | ||
| Q3 24 | $34.3M | $-33.0M | ||
| Q2 24 | $3.8M | $-21.4M | ||
| Q1 24 | $26.5M | $-39.5M |
毛利率HMNICUI
| Q4 25 | — | 37.5% | ||
| Q3 25 | — | 37.4% | ||
| Q2 25 | — | 37.9% | ||
| Q1 25 | — | 34.7% | ||
| Q4 24 | — | 36.1% | ||
| Q3 24 | — | 34.8% | ||
| Q2 24 | — | 34.8% | ||
| Q1 24 | — | 32.7% |
营业利润率HMNICUI
| Q4 25 | 10.5% | 1.0% | ||
| Q3 25 | 16.3% | 2.6% | ||
| Q2 25 | 8.9% | 1.9% | ||
| Q1 25 | 11.4% | 2.1% | ||
| Q4 24 | 11.8% | 6.0% | ||
| Q3 24 | 10.4% | 1.4% | ||
| Q2 24 | 1.2% | 1.3% | ||
| Q1 24 | 8.5% | -1.9% |
净利率HMNICUI
| Q4 25 | — | -2.9% | ||
| Q3 25 | 13.3% | -0.6% | ||
| Q2 25 | 7.1% | 6.4% | ||
| Q1 25 | 9.2% | -2.6% | ||
| Q4 24 | — | -3.8% | ||
| Q3 24 | 8.3% | -5.6% | ||
| Q2 24 | 1.0% | -3.6% | ||
| Q1 24 | 6.9% | -7.0% |
每股收益（稀释后）HMNICUI
| Q4 25 | $0.87 | $-0.63 | ||
| Q3 25 | $1.40 | $-0.14 | ||
| Q2 25 | $0.71 | $1.43 | ||
| Q1 25 | $0.92 | $-0.63 | ||
| Q4 24 | $0.92 | $-0.97 | ||
| Q3 24 | $0.83 | $-1.35 | ||
| Q2 24 | $0.09 | $-0.88 | ||
| Q1 24 | $0.64 | $-1.63 |
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 | $27.5M | — |
| 总债务越低越好 | $593.4M | — |
| 股东权益账面价值 | $1.5B | $2.1B |
| 总资产 | $15.3B | $4.1B |
| 负债/权益比越低杠杆越低 | 0.40× | — |
8季度趋势，按日历期对齐
现金及短期投资HMNICUI
| Q4 25 | $27.5M | — | ||
| Q3 25 | $46.7M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $38.1M | $308.6M | ||
| Q3 24 | — | $312.5M | ||
| Q2 24 | — | $302.6M | ||
| Q1 24 | — | $251.4M |
总债务HMNICUI
| Q4 25 | $593.4M | — | ||
| Q3 25 | $842.9M | — | ||
| Q2 25 | $547.5M | — | ||
| Q1 25 | $547.2M | — | ||
| Q4 24 | $547.0M | — | ||
| Q3 24 | $546.7M | — | ||
| Q2 24 | $546.5M | — | ||
| Q1 24 | $546.2M | — |
股东权益HMNICUI
| Q4 25 | $1.5B | $2.1B | ||
| Q3 25 | $1.4B | $2.1B | ||
| Q2 25 | $1.4B | $2.1B | ||
| Q1 25 | $1.3B | $2.0B | ||
| Q4 24 | $1.3B | $2.0B | ||
| Q3 24 | $1.3B | $2.0B | ||
| Q2 24 | $1.2B | $2.0B | ||
| Q1 24 | $1.2B | $2.1B |
总资产HMNICUI
| Q4 25 | $15.3B | $4.1B | ||
| Q3 25 | $15.5B | $4.1B | ||
| Q2 25 | $14.7B | $4.1B | ||
| Q1 25 | $14.4B | $4.2B | ||
| Q4 24 | $14.5B | $4.2B | ||
| Q3 24 | $14.7B | $4.3B | ||
| Q2 24 | $14.3B | $4.3B | ||
| Q1 24 | $14.2B | $4.3B |
负债/权益比HMNICUI
| Q4 25 | 0.40× | — | ||
| Q3 25 | 0.58× | — | ||
| Q2 25 | 0.40× | — | ||
| Q1 25 | 0.41× | — | ||
| Q4 24 | 0.42× | — | ||
| Q3 24 | 0.42× | — | ||
| Q2 24 | 0.45× | — | ||
| Q1 24 | 0.45× | — |
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 | $553.2M | $60.6M |
| 自由现金流经营现金流 - 资本支出 | — | $36.0M |
| 自由现金流率自由现金流/营收 | — | 6.6% |
| 资本支出强度资本支出/营收 | — | 4.6% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $91.8M |
8季度趋势，按日历期对齐
经营现金流HMNICUI
| Q4 25 | $553.2M | $60.6M | ||
| Q3 25 | $151.2M | $56.7M | ||
| Q2 25 | $131.3M | $11.2M | ||
| Q1 25 | $140.8M | $51.3M | ||
| Q4 24 | $452.1M | $40.2M | ||
| Q3 24 | $143.9M | $36.1M | ||
| Q2 24 | $40.2M | $82.0M | ||
| Q1 24 | $74.5M | $45.8M |
自由现金流HMNICUI
| Q4 25 | — | $36.0M | ||
| Q3 25 | — | $27.6M | ||
| Q2 25 | — | $-8.5M | ||
| Q1 25 | — | $36.7M | ||
| Q4 24 | — | $16.1M | ||
| Q3 24 | — | $16.2M | ||
| Q2 24 | — | $62.5M | ||
| Q1 24 | — | $29.9M |
自由现金流率HMNICUI
| Q4 25 | — | 6.6% | ||
| Q3 25 | — | 5.1% | ||
| Q2 25 | — | -1.5% | ||
| Q1 25 | — | 6.1% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 2.7% | ||
| Q2 24 | — | 10.5% | ||
| Q1 24 | — | 5.3% |
资本支出强度HMNICUI
| Q4 25 | — | 4.6% | ||
| Q3 25 | — | 5.4% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 3.8% | ||
| Q3 24 | — | 3.4% | ||
| Q2 24 | — | 3.3% | ||
| Q1 24 | — | 2.8% |
现金转化率HMNICUI
| Q4 25 | — | — | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 4.47× | 0.32× | ||
| Q1 25 | 3.69× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 4.20× | — | ||
| Q2 24 | 10.58× | — | ||
| Q1 24 | 2.81× | — |
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
HMN
| Property And Casualty | $224.3M | 52% |
| Life And Retirement | $139.6M | 32% |
| Supplemental And Group Benefits | $77.0M | 18% |
ICUI
| Infusion Consumables | $284.7M | 53% |
| Infusion Systems | $176.3M | 33% |
| Vital Care | $79.7M | 15% |
