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HORACE MANN EDUCATORS CORP（HMN）与Rackspace Technology, Inc.（RXT）财务数据对比。点击上方公司名可切换其他公司
Rackspace Technology, Inc.的季度营收约是HORACE MANN EDUCATORS CORP的1.6倍（$682.8M vs $434.8M），HORACE MANN EDUCATORS CORP同比增速更快（6.3% vs -0.4%），过去两年HORACE MANN EDUCATORS CORP的营收复合增速更高（6.1% vs -0.6%）
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。
Rackspace Technology, Inc.是总部位于美国得克萨斯州圣安东尼奥的云计算企业，在弗吉尼亚州雷斯顿以及澳大利亚、加拿大、英国、印度、迪拜、瑞士、荷兰、德国、新加坡、墨西哥、中国香港等多个国家和地区设有办事处，数据中心分布于全球多个主要城市，为客户提供专业的云计算相关服务。
HMN vs RXT — 直观对比
营收规模更大
RXT
是对方的1.6倍
$434.8M
营收增速更快
HMN
高出6.7%
-0.4%
两年增速更快
HMN
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $434.8M | $682.8M |
| 净利润 | — | $-32.7M |
| 毛利率 | — | 17.6% |
| 营业利润率 | 10.5% | -0.5% |
| 净利率 | — | -4.8% |
| 营收同比 | 6.3% | -0.4% |
| 净利润同比 | — | 41.6% |
| 每股收益（稀释后） | $0.87 | $-0.13 |
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HMNRXT
| Q4 25 | $434.8M | $682.8M | ||
| Q3 25 | $438.5M | $671.2M | ||
| Q2 25 | $411.7M | $666.3M | ||
| Q1 25 | $416.4M | $665.4M | ||
| Q4 24 | $409.0M | $685.6M | ||
| Q3 24 | $412.1M | $675.8M | ||
| Q2 24 | $388.1M | $684.9M | ||
| Q1 24 | $386.0M | $690.8M |
净利润HMNRXT
| Q4 25 | — | $-32.7M | ||
| Q3 25 | $58.3M | $-67.1M | ||
| Q2 25 | $29.4M | $-54.5M | ||
| Q1 25 | $38.2M | $-71.5M | ||
| Q4 24 | — | $-56.0M | ||
| Q3 24 | $34.3M | $-186.6M | ||
| Q2 24 | $3.8M | $25.0M | ||
| Q1 24 | $26.5M | $-640.6M |
毛利率HMNRXT
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 19.4% | ||
| Q2 25 | — | 19.4% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 19.2% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | — | 19.2% | ||
| Q1 24 | — | 19.2% |
营业利润率HMNRXT
| Q4 25 | 10.5% | -0.5% | ||
| Q3 25 | 16.3% | -5.1% | ||
| Q2 25 | 8.9% | -3.8% | ||
| Q1 25 | 11.4% | -5.8% | ||
| Q4 24 | 11.8% | -4.2% | ||
| Q3 24 | 10.4% | -25.7% | ||
| Q2 24 | 1.2% | -7.9% | ||
| Q1 24 | 8.5% | -94.5% |
净利率HMNRXT
| Q4 25 | — | -4.8% | ||
| Q3 25 | 13.3% | -10.0% | ||
| Q2 25 | 7.1% | -8.2% | ||
| Q1 25 | 9.2% | -10.7% | ||
| Q4 24 | — | -8.2% | ||
| Q3 24 | 8.3% | -27.6% | ||
| Q2 24 | 1.0% | 3.7% | ||
| Q1 24 | 6.9% | -92.7% |
每股收益（稀释后）HMNRXT
| Q4 25 | $0.87 | $-0.13 | ||
| Q3 25 | $1.40 | $-0.28 | ||
| Q2 25 | $0.71 | $-0.23 | ||
| Q1 25 | $0.92 | $-0.31 | ||
| Q4 24 | $0.92 | $-0.20 | ||
| Q3 24 | $0.83 | $-0.82 | ||
| Q2 24 | $0.09 | $0.11 | ||
| Q1 24 | $0.64 | $-2.91 |
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 | $105.8M |
| 总债务越低越好 | $593.4M | $2.7B |
| 股东权益账面价值 | $1.5B | $-1.2B |
| 总资产 | $15.3B | $2.8B |
| 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HMNRXT
| Q4 25 | $27.5M | $105.8M | ||
| Q3 25 | $46.7M | $99.5M | ||
| Q2 25 | — | $103.9M | ||
| Q1 25 | — | $128.0M | ||
| Q4 24 | $38.1M | $144.0M | ||
| Q3 24 | — | $157.1M | ||
| Q2 24 | — | $190.2M | ||
| Q1 24 | — | $282.6M |
总债务HMNRXT
| Q4 25 | $593.4M | $2.7B | ||
| Q3 25 | $842.9M | $2.8B | ||
| Q2 25 | $547.5M | $2.8B | ||
| Q1 25 | $547.2M | $2.8B | ||
| Q4 24 | $547.0M | $2.8B | ||
| Q3 24 | $546.7M | $2.8B | ||
| Q2 24 | $546.5M | $2.9B | ||
| Q1 24 | $546.2M | $3.0B |
股东权益HMNRXT
| Q4 25 | $1.5B | $-1.2B | ||
| Q3 25 | $1.4B | $-1.2B | ||
| Q2 25 | $1.4B | $-1.1B | ||
| Q1 25 | $1.3B | $-1.1B | ||
| Q4 24 | $1.3B | $-1.0B | ||
| Q3 24 | $1.3B | $-949.7M | ||
| Q2 24 | $1.2B | $-756.2M | ||
| Q1 24 | $1.2B | $-787.2M |
总资产HMNRXT
| Q4 25 | $15.3B | $2.8B | ||
| Q3 25 | $15.5B | $2.8B | ||
| Q2 25 | $14.7B | $2.9B | ||
| Q1 25 | $14.4B | $3.0B | ||
| Q4 24 | $14.5B | $3.1B | ||
| Q3 24 | $14.7B | $3.1B | ||
| Q2 24 | $14.3B | $3.4B | ||
| Q1 24 | $14.2B | $3.5B |
负债/权益比HMNRXT
| 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× | — | ||
| 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 | $59.7M |
| 自由现金流经营现金流 - 资本支出 | — | $56.0M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 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 | — | $90.6M |
8季度趋势，按日历期对齐
经营现金流HMNRXT
| Q4 25 | $553.2M | $59.7M | ||
| Q3 25 | $151.2M | $70.7M | ||
| Q2 25 | $131.3M | $8.4M | ||
| Q1 25 | $140.8M | $12.6M | ||
| Q4 24 | $452.1M | $54.3M | ||
| Q3 24 | $143.9M | $51.8M | ||
| Q2 24 | $40.2M | $24.1M | ||
| Q1 24 | $74.5M | $-90.3M |
自由现金流HMNRXT
| Q4 25 | — | $56.0M | ||
| Q3 25 | — | $42.7M | ||
| Q2 25 | — | $-12.4M | ||
| Q1 25 | — | $4.3M | ||
| Q4 24 | — | $34.4M | ||
| Q3 24 | — | $27.3M | ||
| Q2 24 | — | $-14.5M | ||
| Q1 24 | — | $-118.4M |
自由现金流率HMNRXT
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | 6.4% | ||
| Q2 25 | — | -1.9% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | -2.1% | ||
| Q1 24 | — | -17.1% |
资本支出强度HMNRXT
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 4.2% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 3.6% | ||
| Q2 24 | — | 5.6% | ||
| Q1 24 | — | 4.1% |
现金转化率HMNRXT
| Q4 25 | — | — | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 4.47× | — | ||
| Q1 25 | 3.69× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 4.20× | — | ||
| Q2 24 | 10.58× | 0.96× | ||
| 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% |
RXT
| Public Cloud Services Segment | $442.2M | 65% |
| Private Cloud Service Segment | $240.6M | 35% |
