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HORACE MANN EDUCATORS CORP（HMN）与Kosmos Energy Ltd.（KOS）财务数据对比。点击上方公司名可切换其他公司
HORACE MANN EDUCATORS CORP的季度营收约是Kosmos Energy Ltd.的1.5倍（$434.8M vs $294.6M），HORACE MANN EDUCATORS CORP同比增速更快（6.3% vs -25.9%），过去两年HORACE MANN EDUCATORS CORP的营收复合增速更高（6.1% vs -16.5%）
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。
科斯莫斯能源是一家美国上游石油企业，总部位于得克萨斯州达拉斯。公司目前在加纳、赤道几内亚近海以及墨西哥湾开展油气生产与开发业务，在毛里塔尼亚、塞内加尔近海拥有开发项目，还在纳米比亚、圣多美和普林西比、苏里南近海持有勘探许可。
HMN vs KOS — 直观对比
营收规模更大
HMN
是对方的1.5倍
$294.6M
营收增速更快
HMN
高出32.2%
-25.9%
两年增速更快
HMN
近两年复合增速
-16.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $434.8M | $294.6M |
| 净利润 | — | — |
| 毛利率 | — | — |
| 营业利润率 | 10.5% | -125.7% |
| 净利率 | — | — |
| 营收同比 | 6.3% | -25.9% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.87 | $-0.80 |
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HMNKOS
| Q4 25 | $434.8M | $294.6M | ||
| Q3 25 | $438.5M | $311.0M | ||
| Q2 25 | $411.7M | $392.6M | ||
| Q1 25 | $416.4M | $290.1M | ||
| Q4 24 | $409.0M | $397.6M | ||
| Q3 24 | $412.1M | $407.8M | ||
| Q2 24 | $388.1M | $447.8M | ||
| Q1 24 | $386.0M | $422.3M |
净利润HMNKOS
| Q4 25 | — | — | ||
| Q3 25 | $58.3M | $-124.3M | ||
| Q2 25 | $29.4M | $-87.7M | ||
| Q1 25 | $38.2M | $-110.6M | ||
| Q4 24 | — | — | ||
| Q3 24 | $34.3M | $45.0M | ||
| Q2 24 | $3.8M | $59.8M | ||
| Q1 24 | $26.5M | $91.7M |
营业利润率HMNKOS
| Q4 25 | 10.5% | -125.7% | ||
| Q3 25 | 16.3% | -34.2% | ||
| Q2 25 | 8.9% | -16.2% | ||
| Q1 25 | 11.4% | -32.4% | ||
| Q4 24 | 11.8% | -8.5% | ||
| Q3 24 | 10.4% | 26.1% | ||
| Q2 24 | 1.2% | 30.2% | ||
| Q1 24 | 8.5% | 33.6% |
净利率HMNKOS
| Q4 25 | — | — | ||
| Q3 25 | 13.3% | -40.0% | ||
| Q2 25 | 7.1% | -22.3% | ||
| Q1 25 | 9.2% | -38.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | 8.3% | 11.0% | ||
| Q2 24 | 1.0% | 13.3% | ||
| Q1 24 | 6.9% | 21.7% |
每股收益（稀释后）HMNKOS
| Q4 25 | $0.87 | $-0.80 | ||
| Q3 25 | $1.40 | $-0.26 | ||
| Q2 25 | $0.71 | $-0.18 | ||
| Q1 25 | $0.92 | $-0.23 | ||
| Q4 24 | $0.92 | $0.00 | ||
| Q3 24 | $0.83 | $0.09 | ||
| Q2 24 | $0.09 | $0.12 | ||
| Q1 24 | $0.64 | $0.19 |
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 | $91.5M |
| 总债务越低越好 | $593.4M | $3.1B |
| 股东权益账面价值 | $1.5B | $528.6M |
| 总资产 | $15.3B | $4.7B |
| 负债/权益比越低杠杆越低 | 0.40× | 5.78× |
8季度趋势，按日历期对齐
现金及短期投资HMNKOS
| Q4 25 | $27.5M | $91.5M | ||
| Q3 25 | $46.7M | $64.0M | ||
| Q2 25 | — | $51.7M | ||
| Q1 25 | — | $49.8M | ||
| Q4 24 | $38.1M | $85.0M | ||
| Q3 24 | — | $51.6M | ||
| Q2 24 | — | $173.8M | ||
| Q1 24 | — | $254.3M |
总债务HMNKOS
| Q4 25 | $593.4M | $3.1B | ||
| Q3 25 | $842.9M | $3.0B | ||
| Q2 25 | $547.5M | $2.9B | ||
| Q1 25 | $547.2M | — | ||
| Q4 24 | $547.0M | $2.7B | ||
| Q3 24 | $546.7M | — | ||
| Q2 24 | $546.5M | — | ||
| Q1 24 | $546.2M | — |
股东权益HMNKOS
| Q4 25 | $1.5B | $528.6M | ||
| Q3 25 | $1.4B | $898.8M | ||
| Q2 25 | $1.4B | $1.0B | ||
| Q1 25 | $1.3B | $1.1B | ||
| Q4 24 | $1.3B | $1.2B | ||
| Q3 24 | $1.3B | $1.2B | ||
| Q2 24 | $1.2B | $1.1B | ||
| Q1 24 | $1.2B | $1.1B |
总资产HMNKOS
| Q4 25 | $15.3B | $4.7B | ||
| Q3 25 | $15.5B | $5.1B | ||
| Q2 25 | $14.7B | $5.2B | ||
| Q1 25 | $14.4B | $5.3B | ||
| Q4 24 | $14.5B | $5.3B | ||
| Q3 24 | $14.7B | $5.5B | ||
| Q2 24 | $14.3B | $5.4B | ||
| Q1 24 | $14.2B | $5.4B |
负债/权益比HMNKOS
| Q4 25 | 0.40× | 5.78× | ||
| Q3 25 | 0.58× | 3.31× | ||
| Q2 25 | 0.40× | 2.80× | ||
| Q1 25 | 0.41× | — | ||
| Q4 24 | 0.42× | 2.29× | ||
| 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 | $35.3M |
| 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 | — | — |
| 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HMNKOS
| Q4 25 | $553.2M | $35.3M | ||
| Q3 25 | $151.2M | $-27.6M | ||
| Q2 25 | $131.3M | $127.2M | ||
| Q1 25 | $140.8M | $-888.0K | ||
| Q4 24 | $452.1M | $175.7M | ||
| Q3 24 | $143.9M | $6.3M | ||
| Q2 24 | $40.2M | $223.7M | ||
| Q1 24 | $74.5M | $272.6M |
现金转化率HMNKOS
| Q4 25 | — | — | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 4.47× | — | ||
| Q1 25 | 3.69× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 4.20× | 0.14× | ||
| Q2 24 | 10.58× | 3.74× | ||
| Q1 24 | 2.81× | 2.97× |
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% |
KOS
| Ghana Segment | $134.6M | 46% |
| Gulf Of America | $80.7M | 27% |
| Mauritania And Senegal | $54.9M | 19% |
| Equatorial Guinea Segment | $24.3M | 8% |
