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HORACE MANN EDUCATORS CORP（HMN）与Reddit, Inc.（RDDT）财务数据对比。点击上方公司名可切换其他公司
Reddit, Inc.的季度营收约是HORACE MANN EDUCATORS CORP的1.5倍（$663.0M vs $434.8M），Reddit, Inc.同比增速更快（69.0% vs 6.3%），过去两年Reddit, Inc.的营收复合增速更高（53.6% 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。
Reddit是美国知名的社交新闻聚合与论坛类社交媒体平台，注册用户可发布链接、文字帖、图片、视频等各类内容，其他用户可对内容进行点赞或点踩，内容按主题归类到用户创建的子板块中，获赞更高的内容会排在板块前列，热度足够的内容还将展示在全站首页。
HMN vs RDDT — 直观对比
营收规模更大
RDDT
是对方的1.5倍
$434.8M
营收增速更快
RDDT
高出62.7%
6.3%
两年增速更快
RDDT
近两年复合增速
6.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $434.8M | $663.0M |
| 净利润 | — | $204.0M |
| 毛利率 | — | 100.0% |
| 营业利润率 | 10.5% | 0.0% |
| 净利率 | — | 30.8% |
| 营收同比 | 6.3% | 69.0% |
| 净利润同比 | — | 680.0% |
| 每股收益（稀释后） | $0.87 | $1.01 |
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HMNRDDT
| Q1 26 | — | $663.0M | ||
| Q4 25 | $434.8M | $725.6M | ||
| Q3 25 | $438.5M | $584.9M | ||
| Q2 25 | $411.7M | $499.6M | ||
| Q1 25 | $416.4M | $392.4M | ||
| Q4 24 | $409.0M | $427.7M | ||
| Q3 24 | $412.1M | $348.4M | ||
| Q2 24 | $388.1M | $281.2M |
净利润HMNRDDT
| Q1 26 | — | $204.0M | ||
| Q4 25 | — | $251.6M | ||
| Q3 25 | $58.3M | $162.7M | ||
| Q2 25 | $29.4M | $89.3M | ||
| Q1 25 | $38.2M | $26.2M | ||
| Q4 24 | — | $71.0M | ||
| Q3 24 | $34.3M | $29.9M | ||
| Q2 24 | $3.8M | $-10.1M |
毛利率HMNRDDT
| Q1 26 | — | 100.0% | ||
| Q4 25 | — | 91.9% | ||
| Q3 25 | — | 91.0% | ||
| Q2 25 | — | 90.8% | ||
| Q1 25 | — | 90.5% | ||
| Q4 24 | — | 92.6% | ||
| Q3 24 | — | 90.1% | ||
| Q2 24 | — | 89.5% |
营业利润率HMNRDDT
| Q1 26 | — | 0.0% | ||
| Q4 25 | 10.5% | 31.9% | ||
| Q3 25 | 16.3% | 23.7% | ||
| Q2 25 | 8.9% | 13.6% | ||
| Q1 25 | 11.4% | 1.0% | ||
| Q4 24 | 11.8% | 12.4% | ||
| Q3 24 | 10.4% | 2.0% | ||
| Q2 24 | 1.2% | -11.0% |
净利率HMNRDDT
| Q1 26 | — | 30.8% | ||
| Q4 25 | — | 34.7% | ||
| Q3 25 | 13.3% | 27.8% | ||
| Q2 25 | 7.1% | 17.9% | ||
| Q1 25 | 9.2% | 6.7% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | 8.3% | 8.6% | ||
| Q2 24 | 1.0% | -3.6% |
每股收益（稀释后）HMNRDDT
| Q1 26 | — | $1.01 | ||
| Q4 25 | $0.87 | $1.24 | ||
| Q3 25 | $1.40 | $0.80 | ||
| Q2 25 | $0.71 | $0.45 | ||
| Q1 25 | $0.92 | $0.13 | ||
| Q4 24 | $0.92 | $4.76 | ||
| Q3 24 | $0.83 | $0.16 | ||
| Q2 24 | $0.09 | $-0.06 |
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 | $1.4B |
| 总债务越低越好 | $593.4M | — |
| 股东权益账面价值 | $1.5B | $3.2B |
| 总资产 | $15.3B | $3.5B |
| 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HMNRDDT
| Q1 26 | — | $1.4B | ||
| Q4 25 | $27.5M | $953.6M | ||
| Q3 25 | $46.7M | $911.7M | ||
| Q2 25 | — | $734.1M | ||
| Q1 25 | — | $635.7M | ||
| Q4 24 | $38.1M | $562.1M | ||
| Q3 24 | — | $515.9M | ||
| Q2 24 | — | $468.0M |
总债务HMNRDDT
| Q1 26 | — | — | ||
| 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 | — |
股东权益HMNRDDT
| Q1 26 | — | $3.2B | ||
| Q4 25 | $1.5B | $2.9B | ||
| Q3 25 | $1.4B | $2.6B | ||
| Q2 25 | $1.4B | $2.4B | ||
| Q1 25 | $1.3B | $2.2B | ||
| Q4 24 | $1.3B | $2.1B | ||
| Q3 24 | $1.3B | $2.0B | ||
| Q2 24 | $1.2B | $1.9B |
总资产HMNRDDT
| Q1 26 | — | $3.5B | ||
| Q4 25 | $15.3B | $3.2B | ||
| Q3 25 | $15.5B | $2.9B | ||
| Q2 25 | $14.7B | $2.6B | ||
| Q1 25 | $14.4B | $2.4B | ||
| Q4 24 | $14.5B | $2.3B | ||
| Q3 24 | $14.7B | $2.2B | ||
| Q2 24 | $14.3B | $2.1B |
负债/权益比HMNRDDT
| Q1 26 | — | — | ||
| 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× | — |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | $311.0M |
| 自由现金流率自由现金流/营收 | — | 46.9% |
| 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 | — | $868.6M |
8季度趋势，按日历期对齐
经营现金流HMNRDDT
| Q1 26 | — | — | ||
| Q4 25 | $553.2M | $266.8M | ||
| Q3 25 | $151.2M | $185.2M | ||
| Q2 25 | $131.3M | $111.3M | ||
| Q1 25 | $140.8M | $127.6M | ||
| Q4 24 | $452.1M | $90.0M | ||
| Q3 24 | $143.9M | $71.6M | ||
| Q2 24 | $40.2M | $28.4M |
自由现金流HMNRDDT
| Q1 26 | — | $311.0M | ||
| Q4 25 | — | $263.6M | ||
| Q3 25 | — | $183.1M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $126.6M | ||
| Q4 24 | — | $89.2M | ||
| Q3 24 | — | $70.3M | ||
| Q2 24 | — | $27.2M |
自由现金流率HMNRDDT
| Q1 26 | — | 46.9% | ||
| Q4 25 | — | 36.3% | ||
| Q3 25 | — | 31.3% | ||
| Q2 25 | — | 22.2% | ||
| Q1 25 | — | 32.3% | ||
| Q4 24 | — | 20.8% | ||
| Q3 24 | — | 20.2% | ||
| Q2 24 | — | 9.7% |
资本支出强度HMNRDDT
| Q1 26 | — | — | ||
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.4% |
现金转化率HMNRDDT
| Q1 26 | — | — | ||
| Q4 25 | — | 1.06× | ||
| Q3 25 | 2.59× | 1.14× | ||
| Q2 25 | 4.47× | 1.25× | ||
| Q1 25 | 3.69× | 4.88× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | 4.20× | 2.40× | ||
| Q2 24 | 10.58× | — |
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% |
RDDT
暂无分部数据
