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HORACE MANN EDUCATORS CORP（HMN）与LifeStance Health Group, Inc.（LFST）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LifeStance Health Group, Inc.的1.1倍（$434.8M vs $382.2M），LifeStance Health Group, Inc.同比增速更快（17.4% vs 6.3%），过去两年LifeStance Health Group, Inc.的营收复合增速更高（12.8% vs 6.1%）
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。
LifeStance Health Group是美国的门诊行为健康服务提供商，支持线下面诊与远程诊疗两种服务模式，业务涵盖心理咨询、精神科诊疗、经颅磁刺激（TMS）以及氯胺酮治疗等。该公司曾多次因劳动违规、客户信息泄露及误导投资者相关问题遭遇诉讼。
HMN vs LFST — 直观对比
营收规模更大
HMN
是对方的1.1倍
$382.2M
营收增速更快
LFST
高出11.1%
6.3%
两年增速更快
LFST
近两年复合增速
6.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $434.8M | $382.2M |
| 净利润 | — | $11.7M |
| 毛利率 | — | — |
| 营业利润率 | 10.5% | 4.7% |
| 净利率 | — | 3.1% |
| 营收同比 | 6.3% | 17.4% |
| 净利润同比 | — | 264.1% |
| 每股收益（稀释后） | $0.87 | — |
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HMNLFST
| Q4 25 | $434.8M | $382.2M | ||
| Q3 25 | $438.5M | $363.8M | ||
| Q2 25 | $411.7M | $345.3M | ||
| Q1 25 | $416.4M | $333.0M | ||
| Q4 24 | $409.0M | $325.5M | ||
| Q3 24 | $412.1M | $312.7M | ||
| Q2 24 | $388.1M | $312.3M | ||
| Q1 24 | $386.0M | $300.4M |
净利润HMNLFST
| Q4 25 | — | $11.7M | ||
| Q3 25 | $58.3M | $1.1M | ||
| Q2 25 | $29.4M | $-3.8M | ||
| Q1 25 | $38.2M | $709.0K | ||
| Q4 24 | — | $-7.1M | ||
| Q3 24 | $34.3M | $-6.0M | ||
| Q2 24 | $3.8M | $-23.3M | ||
| Q1 24 | $26.5M | $-21.1M |
营业利润率HMNLFST
| Q4 25 | 10.5% | 4.7% | ||
| Q3 25 | 16.3% | 2.0% | ||
| Q2 25 | 8.9% | -0.9% | ||
| Q1 25 | 11.4% | 0.5% | ||
| Q4 24 | 11.8% | 0.3% | ||
| Q3 24 | 10.4% | 0.0% | ||
| Q2 24 | 1.2% | -5.1% | ||
| Q1 24 | 8.5% | -5.6% |
净利率HMNLFST
| Q4 25 | — | 3.1% | ||
| Q3 25 | 13.3% | 0.3% | ||
| Q2 25 | 7.1% | -1.1% | ||
| Q1 25 | 9.2% | 0.2% | ||
| Q4 24 | — | -2.2% | ||
| Q3 24 | 8.3% | -1.9% | ||
| Q2 24 | 1.0% | -7.5% | ||
| Q1 24 | 6.9% | -7.0% |
每股收益（稀释后）HMNLFST
| Q4 25 | $0.87 | — | ||
| Q3 25 | $1.40 | — | ||
| Q2 25 | $0.71 | — | ||
| Q1 25 | $0.92 | — | ||
| Q4 24 | $0.92 | — | ||
| Q3 24 | $0.83 | — | ||
| Q2 24 | $0.09 | — | ||
| Q1 24 | $0.64 | — |
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 | $248.6M |
| 总债务越低越好 | $593.4M | $282.8M |
| 股东权益账面价值 | $1.5B | $1.5B |
| 总资产 | $15.3B | $2.2B |
| 负债/权益比越低杠杆越低 | 0.40× | 0.19× |
8季度趋势，按日历期对齐
现金及短期投资HMNLFST
| Q4 25 | $27.5M | $248.6M | ||
| Q3 25 | $46.7M | $203.9M | ||
| Q2 25 | — | $188.9M | ||
| Q1 25 | — | $134.3M | ||
| Q4 24 | $38.1M | $154.6M | ||
| Q3 24 | — | $102.6M | ||
| Q2 24 | — | $87.0M | ||
| Q1 24 | — | $49.5M |
总债务HMNLFST
| Q4 25 | $593.4M | $282.8M | ||
| Q3 25 | $842.9M | $284.6M | ||
| Q2 25 | $547.5M | $286.4M | ||
| Q1 25 | $547.2M | $288.2M | ||
| Q4 24 | $547.0M | $290.0M | ||
| Q3 24 | $546.7M | $287.3M | ||
| Q2 24 | $546.5M | $288.0M | ||
| Q1 24 | $546.2M | $288.8M |
股东权益HMNLFST
| Q4 25 | $1.5B | $1.5B | ||
| Q3 25 | $1.4B | $1.5B | ||
| Q2 25 | $1.4B | $1.5B | ||
| Q1 25 | $1.3B | $1.5B | ||
| Q4 24 | $1.3B | $1.4B | ||
| Q3 24 | $1.3B | $1.4B | ||
| Q2 24 | $1.2B | $1.4B | ||
| Q1 24 | $1.2B | $1.4B |
总资产HMNLFST
| Q4 25 | $15.3B | $2.2B | ||
| Q3 25 | $15.5B | $2.1B | ||
| Q2 25 | $14.7B | $2.1B | ||
| Q1 25 | $14.4B | $2.1B | ||
| Q4 24 | $14.5B | $2.1B | ||
| Q3 24 | $14.7B | $2.1B | ||
| Q2 24 | $14.3B | $2.1B | ||
| Q1 24 | $14.2B | $2.1B |
负债/权益比HMNLFST
| Q4 25 | 0.40× | 0.19× | ||
| Q3 25 | 0.58× | 0.19× | ||
| Q2 25 | 0.40× | 0.19× | ||
| Q1 25 | 0.41× | 0.20× | ||
| Q4 24 | 0.42× | 0.20× | ||
| Q3 24 | 0.42× | 0.20× | ||
| Q2 24 | 0.45× | 0.20× | ||
| Q1 24 | 0.45× | 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 | $553.2M | $57.6M |
| 自由现金流经营现金流 - 资本支出 | — | $46.6M |
| 自由现金流率自由现金流/营收 | — | 12.2% |
| 资本支出强度资本支出/营收 | — | 2.9% |
| 现金转化率经营现金流/净利润 | — | 4.93× |
| 过去12个月自由现金流最近4个季度 | — | $110.0M |
8季度趋势，按日历期对齐
经营现金流HMNLFST
| Q4 25 | $553.2M | $57.6M | ||
| Q3 25 | $151.2M | $27.3M | ||
| Q2 25 | $131.3M | $64.4M | ||
| Q1 25 | $140.8M | $-3.1M | ||
| Q4 24 | $452.1M | $62.3M | ||
| Q3 24 | $143.9M | $22.7M | ||
| Q2 24 | $40.2M | $44.1M | ||
| Q1 24 | $74.5M | $-21.8M |
自由现金流HMNLFST
| Q4 25 | — | $46.6M | ||
| Q3 25 | — | $17.0M | ||
| Q2 25 | — | $56.6M | ||
| Q1 25 | — | $-10.3M | ||
| Q4 24 | — | $56.0M | ||
| Q3 24 | — | $17.7M | ||
| Q2 24 | — | $39.0M | ||
| Q1 24 | — | $-26.9M |
自由现金流率HMNLFST
| Q4 25 | — | 12.2% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 16.4% | ||
| Q1 25 | — | -3.1% | ||
| Q4 24 | — | 17.2% | ||
| Q3 24 | — | 5.7% | ||
| Q2 24 | — | 12.5% | ||
| Q1 24 | — | -9.0% |
资本支出强度HMNLFST
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | 1.7% |
现金转化率HMNLFST
| Q4 25 | — | 4.93× | ||
| Q3 25 | 2.59× | 25.34× | ||
| Q2 25 | 4.47× | — | ||
| Q1 25 | 3.69× | -4.36× | ||
| 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% |
LFST
暂无分部数据
