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HORACE MANN EDUCATORS CORP（HMN）与Royalty Pharma plc（RPRX）财务数据对比。点击上方公司名可切换其他公司
Royalty Pharma plc的季度营收约是HORACE MANN EDUCATORS CORP的1.4倍（$622.0M vs $434.8M），HORACE MANN EDUCATORS CORP同比增速更快（6.3% vs 4.8%），过去两年HORACE MANN EDUCATORS CORP的营收复合增速更高（6.1% vs 4.6%）
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。
本公司是总部位于美国马萨诸塞州剑桥市的临床阶段生物制药企业，专注于研发可调节转化生长因子β（TGF-β）超家族蛋白的药物，该类蛋白在红细胞、肌肉、骨骼、血管等细胞与组织的生长修复过程中发挥核心作用。
HMN vs RPRX — 直观对比
营收规模更大
RPRX
是对方的1.4倍
$434.8M
营收增速更快
HMN
高出1.5%
4.8%
两年增速更快
HMN
近两年复合增速
4.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $434.8M | $622.0M |
| 净利润 | — | $214.2M |
| 毛利率 | — | — |
| 营业利润率 | 10.5% | 62.4% |
| 净利率 | — | 34.4% |
| 营收同比 | 6.3% | 4.8% |
| 净利润同比 | — | 2.9% |
| 每股收益（稀释后） | $0.87 | $0.49 |
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HMNRPRX
| Q4 25 | $434.8M | $622.0M | ||
| Q3 25 | $438.5M | $609.3M | ||
| Q2 25 | $411.7M | $578.7M | ||
| Q1 25 | $416.4M | $568.2M | ||
| Q4 24 | $409.0M | $593.6M | ||
| Q3 24 | $412.1M | $564.7M | ||
| Q2 24 | $388.1M | $537.3M | ||
| Q1 24 | $386.0M | $568.0M |
净利润HMNRPRX
| Q4 25 | — | $214.2M | ||
| Q3 25 | $58.3M | $288.2M | ||
| Q2 25 | $29.4M | $30.2M | ||
| Q1 25 | $38.2M | $238.3M | ||
| Q4 24 | — | $208.2M | ||
| Q3 24 | $34.3M | $544.0M | ||
| Q2 24 | $3.8M | $102.0M | ||
| Q1 24 | $26.5M | $4.8M |
营业利润率HMNRPRX
| Q4 25 | 10.5% | 62.4% | ||
| Q3 25 | 16.3% | 70.1% | ||
| Q2 25 | 8.9% | 36.3% | ||
| Q1 25 | 11.4% | 94.0% | ||
| Q4 24 | 11.8% | 60.9% | ||
| Q3 24 | 10.4% | — | ||
| Q2 24 | 1.2% | 50.2% | ||
| Q1 24 | 8.5% | -13.0% |
净利率HMNRPRX
| Q4 25 | — | 34.4% | ||
| Q3 25 | 13.3% | 47.3% | ||
| Q2 25 | 7.1% | 5.2% | ||
| Q1 25 | 9.2% | 41.9% | ||
| Q4 24 | — | 35.1% | ||
| Q3 24 | 8.3% | 96.3% | ||
| Q2 24 | 1.0% | 19.0% | ||
| Q1 24 | 6.9% | 0.8% |
每股收益（稀释后）HMNRPRX
| Q4 25 | $0.87 | $0.49 | ||
| Q3 25 | $1.40 | $0.67 | ||
| Q2 25 | $0.71 | $0.07 | ||
| Q1 25 | $0.92 | $0.55 | ||
| Q4 24 | $0.92 | $0.46 | ||
| Q3 24 | $0.83 | $1.21 | ||
| Q2 24 | $0.09 | $0.23 | ||
| Q1 24 | $0.64 | $0.01 |
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 | $618.7M |
| 总债务越低越好 | $593.4M | $9.0B |
| 股东权益账面价值 | $1.5B | $9.7B |
| 总资产 | $15.3B | $19.6B |
| 负债/权益比越低杠杆越低 | 0.40× | 0.92× |
8季度趋势，按日历期对齐
现金及短期投资HMNRPRX
| Q4 25 | $27.5M | $618.7M | ||
| Q3 25 | $46.7M | $938.9M | ||
| Q2 25 | — | $631.9M | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | $38.1M | $929.0M | ||
| Q3 24 | — | $950.1M | ||
| Q2 24 | — | $1.8B | ||
| Q1 24 | — | $843.0M |
总债务HMNRPRX
| Q4 25 | $593.4M | $9.0B | ||
| Q3 25 | $842.9M | $8.9B | ||
| Q2 25 | $547.5M | $8.0B | ||
| Q1 25 | $547.2M | $7.6B | ||
| Q4 24 | $547.0M | $7.6B | ||
| Q3 24 | $546.7M | $7.6B | ||
| Q2 24 | $546.5M | $7.6B | ||
| Q1 24 | $546.2M | $6.1B |
股东权益HMNRPRX
| Q4 25 | $1.5B | $9.7B | ||
| Q3 25 | $1.4B | $9.6B | ||
| Q2 25 | $1.4B | $9.5B | ||
| Q1 25 | $1.3B | $9.8B | ||
| Q4 24 | $1.3B | $10.3B | ||
| Q3 24 | $1.3B | $10.3B | ||
| Q2 24 | $1.2B | $9.8B | ||
| Q1 24 | $1.2B | $9.9B |
总资产HMNRPRX
| Q4 25 | $15.3B | $19.6B | ||
| Q3 25 | $15.5B | $19.3B | ||
| Q2 25 | $14.7B | $18.3B | ||
| Q1 25 | $14.4B | $17.6B | ||
| Q4 24 | $14.5B | $18.2B | ||
| Q3 24 | $14.7B | $18.0B | ||
| Q2 24 | $14.3B | $17.7B | ||
| Q1 24 | $14.2B | $16.1B |
负债/权益比HMNRPRX
| Q4 25 | 0.40× | 0.92× | ||
| Q3 25 | 0.58× | 0.93× | ||
| Q2 25 | 0.40× | 0.84× | ||
| Q1 25 | 0.41× | 0.78× | ||
| Q4 24 | 0.42× | 0.74× | ||
| Q3 24 | 0.42× | 0.74× | ||
| Q2 24 | 0.45× | 0.78× | ||
| Q1 24 | 0.45× | 0.62× |
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 | $827.1M |
| 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 | — | 3.86× |
| 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HMNRPRX
| Q4 25 | $553.2M | $827.1M | ||
| Q3 25 | $151.2M | $702.6M | ||
| Q2 25 | $131.3M | $364.0M | ||
| Q1 25 | $140.8M | $596.1M | ||
| Q4 24 | $452.1M | $742.5M | ||
| Q3 24 | $143.9M | $703.6M | ||
| Q2 24 | $40.2M | $658.2M | ||
| Q1 24 | $74.5M | $664.6M |
现金转化率HMNRPRX
| Q4 25 | — | 3.86× | ||
| Q3 25 | 2.59× | 2.44× | ||
| Q2 25 | 4.47× | 12.06× | ||
| Q1 25 | 3.69× | 2.50× | ||
| Q4 24 | — | 3.57× | ||
| Q3 24 | 4.20× | 1.29× | ||
| Q2 24 | 10.58× | 6.45× | ||
| Q1 24 | 2.81× | 139.10× |
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% |
RPRX
| Financial Royalty Assets | $592.4M | 95% |
| Royalty Income Other | $29.6M | 5% |
