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HORACE MANN EDUCATORS CORP（HMN）与Orthofix Medical Inc.（OFIX）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Orthofix Medical Inc.的2.0倍（$434.8M vs $219.9M），HORACE MANN EDUCATORS CORP同比增速更快（6.3% vs 2.0%），过去两年Orthofix Medical Inc.的营收复合增速更高（8.0% 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。
Orthofix医疗是全球知名骨科医疗器械企业，专注于研发、生产及销售脊柱植入物、骨科创伤产品、骨生长刺激治疗设备及再生医疗产品，服务全球多地的骨科医师与医疗机构，致力于提升肌肉骨骼疾病患者的诊疗效果。
HMN vs OFIX — 直观对比
营收规模更大
HMN
是对方的2.0倍
$219.9M
营收增速更快
HMN
高出4.3%
2.0%
两年增速更快
OFIX
近两年复合增速
6.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $434.8M | $219.9M |
| 净利润 | — | $-2.2M |
| 毛利率 | — | 71.1% |
| 营业利润率 | 10.5% | 0.2% |
| 净利率 | — | -1.0% |
| 营收同比 | 6.3% | 2.0% |
| 净利润同比 | — | 92.4% |
| 每股收益（稀释后） | $0.87 | $-0.05 |
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HMNOFIX
| Q4 25 | $434.8M | $219.9M | ||
| Q3 25 | $438.5M | $205.6M | ||
| Q2 25 | $411.7M | $203.1M | ||
| Q1 25 | $416.4M | $193.6M | ||
| Q4 24 | $409.0M | $215.7M | ||
| Q3 24 | $412.1M | $196.6M | ||
| Q2 24 | $388.1M | $198.6M | ||
| Q1 24 | $386.0M | $188.6M |
净利润HMNOFIX
| Q4 25 | — | $-2.2M | ||
| Q3 25 | $58.3M | $-22.8M | ||
| Q2 25 | $29.4M | $-14.1M | ||
| Q1 25 | $38.2M | $-53.1M | ||
| Q4 24 | — | $-29.1M | ||
| Q3 24 | $34.3M | $-27.4M | ||
| Q2 24 | $3.8M | $-33.4M | ||
| Q1 24 | $26.5M | $-36.0M |
毛利率HMNOFIX
| Q4 25 | — | 71.1% | ||
| Q3 25 | — | 72.2% | ||
| Q2 25 | — | 68.7% | ||
| Q1 25 | — | 62.8% | ||
| Q4 24 | — | 69.0% | ||
| Q3 24 | — | 68.7% | ||
| Q2 24 | — | 67.8% | ||
| Q1 24 | — | 67.5% |
营业利润率HMNOFIX
| Q4 25 | 10.5% | 0.2% | ||
| Q3 25 | 16.3% | -8.3% | ||
| Q2 25 | 8.9% | -7.9% | ||
| Q1 25 | 11.4% | -25.2% | ||
| Q4 24 | 11.8% | -5.3% | ||
| Q3 24 | 10.4% | -9.6% | ||
| Q2 24 | 1.2% | -12.5% | ||
| Q1 24 | 8.5% | -15.6% |
净利率HMNOFIX
| Q4 25 | — | -1.0% | ||
| Q3 25 | 13.3% | -11.1% | ||
| Q2 25 | 7.1% | -6.9% | ||
| Q1 25 | 9.2% | -27.4% | ||
| Q4 24 | — | -13.5% | ||
| Q3 24 | 8.3% | -13.9% | ||
| Q2 24 | 1.0% | -16.8% | ||
| Q1 24 | 6.9% | -19.1% |
每股收益（稀释后）HMNOFIX
| Q4 25 | $0.87 | $-0.05 | ||
| Q3 25 | $1.40 | $-0.57 | ||
| Q2 25 | $0.71 | $-0.36 | ||
| Q1 25 | $0.92 | $-1.35 | ||
| Q4 24 | $0.92 | $-0.76 | ||
| Q3 24 | $0.83 | $-0.71 | ||
| Q2 24 | $0.09 | $-0.88 | ||
| Q1 24 | $0.64 | $-0.95 |
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 | $82.0M |
| 总债务越低越好 | $593.4M | — |
| 股东权益账面价值 | $1.5B | $450.0M |
| 总资产 | $15.3B | $850.6M |
| 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HMNOFIX
| Q4 25 | $27.5M | $82.0M | ||
| Q3 25 | $46.7M | $62.9M | ||
| Q2 25 | — | $65.6M | ||
| Q1 25 | — | $58.0M | ||
| Q4 24 | $38.1M | $83.2M | ||
| Q3 24 | — | $30.1M | ||
| Q2 24 | — | $26.4M | ||
| Q1 24 | — | $27.0M |
总债务HMNOFIX
| Q4 25 | $593.4M | — | ||
| Q3 25 | $842.9M | $157.2M | ||
| Q2 25 | $547.5M | $157.0M | ||
| Q1 25 | $547.2M | $156.9M | ||
| Q4 24 | $547.0M | $157.0M | ||
| Q3 24 | $546.7M | $118.5M | ||
| Q2 24 | $546.5M | $118.0M | ||
| Q1 24 | $546.2M | $118.2M |
股东权益HMNOFIX
| Q4 25 | $1.5B | $450.0M | ||
| Q3 25 | $1.4B | $442.5M | ||
| Q2 25 | $1.4B | $458.3M | ||
| Q1 25 | $1.3B | $458.3M | ||
| Q4 24 | $1.3B | $503.1M | ||
| Q3 24 | $1.3B | $525.9M | ||
| Q2 24 | $1.2B | $546.0M | ||
| Q1 24 | $1.2B | $570.3M |
总资产HMNOFIX
| Q4 25 | $15.3B | $850.6M | ||
| Q3 25 | $15.5B | $832.6M | ||
| Q2 25 | $14.7B | $837.2M | ||
| Q1 25 | $14.4B | $823.1M | ||
| Q4 24 | $14.5B | $893.3M | ||
| Q3 24 | $14.7B | $867.9M | ||
| Q2 24 | $14.3B | $882.0M | ||
| Q1 24 | $14.2B | $906.0M |
负债/权益比HMNOFIX
| Q4 25 | 0.40× | — | ||
| Q3 25 | 0.58× | 0.36× | ||
| Q2 25 | 0.40× | 0.34× | ||
| Q1 25 | 0.41× | 0.34× | ||
| Q4 24 | 0.42× | 0.31× | ||
| Q3 24 | 0.42× | 0.23× | ||
| Q2 24 | 0.45× | 0.22× | ||
| Q1 24 | 0.45× | 0.21× |
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 | $27.7M |
| 自由现金流经营现金流 - 资本支出 | — | $16.8M |
| 自由现金流率自由现金流/营收 | — | 7.6% |
| 资本支出强度资本支出/营收 | — | 4.9% |
| 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 | — | $-1.3M |
8季度趋势，按日历期对齐
经营现金流HMNOFIX
| Q4 25 | $553.2M | $27.7M | ||
| Q3 25 | $151.2M | $12.4M | ||
| Q2 25 | $131.3M | $11.6M | ||
| Q1 25 | $140.8M | $-18.4M | ||
| Q4 24 | $452.1M | $23.7M | ||
| Q3 24 | $143.9M | $11.7M | ||
| Q2 24 | $40.2M | $9.0M | ||
| Q1 24 | $74.5M | $-18.6M |
自由现金流HMNOFIX
| Q4 25 | — | $16.8M | ||
| Q3 25 | — | $2.5M | ||
| Q2 25 | — | $4.5M | ||
| Q1 25 | — | $-25.1M | ||
| Q4 24 | — | $15.2M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $-360.0K | ||
| Q1 24 | — | $-29.1M |
自由现金流率HMNOFIX
| Q4 25 | — | 7.6% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | -13.0% | ||
| Q4 24 | — | 7.0% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | -0.2% | ||
| Q1 24 | — | -15.4% |
资本支出强度HMNOFIX
| Q4 25 | — | 4.9% | ||
| Q3 25 | — | 4.8% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | — | 3.5% | ||
| Q4 24 | — | 4.0% | ||
| Q3 24 | — | 2.7% | ||
| Q2 24 | — | 4.7% | ||
| Q1 24 | — | 5.6% |
现金转化率HMNOFIX
| Q4 25 | — | — | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 4.47× | — | ||
| 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% |
OFIX
| Spinal Implants Biologics And Enabling Technologies | $113.6M | 52% |
| Bone Growth Therapies | $68.3M | 31% |
| Other | $22.7M | 10% |
| IT | $5.9M | 3% |
| GB | $3.5M | 2% |
| FR | $3.5M | 2% |
| DE | $2.3M | 1% |
