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Loews Corporation（L）与Primerica, Inc.（PRI）财务数据对比。点击上方公司名可切换其他公司
Primerica, Inc.的季度营收约是Loews Corporation的1.0倍（$853.7M vs $827.0M），Loews Corporation净利率更高（48.6% vs 23.1%，领先25.5%），Primerica, Inc.同比增速更快（11.0% vs 4.8%），过去两年Loews Corporation的营收复合增速更高（7.9% vs 7.2%）
Loews Corporation是一家总部位于美国的多元化综合企业集团，旗下子公司业务覆盖财产保险、天然气管道运输、酒店运营、油气勘探生产等核心领域，主要服务北美市场的商业、消费者及工业客户。
Primerica, Inc.是一家采用多层次营销模式的金融服务机构，业务覆盖美国与加拿大市场，主要面向当地中等收入家庭提供保险、投资等多元化金融产品，满足客户的风险保障与差异化财富管理需求。
L vs PRI — 直观对比
营收规模更大
PRI
是对方的1.0倍
$827.0M
营收增速更快
PRI
高出6.2%
4.8%
净利率更高
L
高出25.5%
23.1%
两年增速更快
L
近两年复合增速
7.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $827.0M | $853.7M |
| 净利润 | $402.0M | $197.0M |
| 毛利率 | — | — |
| 营业利润率 | 65.4% | 28.9% |
| 净利率 | 48.6% | 23.1% |
| 营收同比 | 4.8% | 11.0% |
| 净利润同比 | 115.0% | 17.9% |
| 每股收益（稀释后） | $1.93 | $6.11 |
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LPRI
| Q4 25 | $827.0M | $853.7M | ||
| Q3 25 | $732.0M | $839.9M | ||
| Q2 25 | $769.0M | $793.3M | ||
| Q1 25 | $846.0M | $804.8M | ||
| Q4 24 | $789.0M | $768.8M | ||
| Q3 24 | $683.0M | $774.1M | ||
| Q2 24 | $711.0M | $803.4M | ||
| Q1 24 | $710.0M | $742.8M |
净利润LPRI
| Q4 25 | $402.0M | $197.0M | ||
| Q3 25 | $504.0M | $206.8M | ||
| Q2 25 | $391.0M | $178.3M | ||
| Q1 25 | $370.0M | $169.1M | ||
| Q4 24 | $187.0M | $167.1M | ||
| Q3 24 | $401.0M | $164.4M | ||
| Q2 24 | $369.0M | $1.2M | ||
| Q1 24 | $457.0M | $137.9M |
毛利率LPRI
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 98.0% | ||
| Q1 24 | — | 98.2% |
营业利润率LPRI
| Q4 25 | 65.4% | 28.9% | ||
| Q3 25 | 94.1% | 32.3% | ||
| Q2 25 | 70.1% | 29.6% | ||
| Q1 25 | 60.8% | 27.5% | ||
| Q4 24 | 23.8% | 64.7% | ||
| Q3 24 | 80.5% | 32.9% | ||
| Q2 24 | 71.3% | 1.0% | ||
| Q1 24 | 88.6% | 24.1% |
净利率LPRI
| Q4 25 | 48.6% | 23.1% | ||
| Q3 25 | 68.9% | 24.6% | ||
| Q2 25 | 50.8% | 22.5% | ||
| Q1 25 | 43.7% | 21.0% | ||
| Q4 24 | 23.7% | 21.7% | ||
| Q3 24 | 58.7% | 21.2% | ||
| Q2 24 | 51.9% | 0.1% | ||
| Q1 24 | 64.4% | 18.6% |
每股收益（稀释后）LPRI
| Q4 25 | $1.93 | $6.11 | ||
| Q3 25 | $2.43 | $6.35 | ||
| Q2 25 | $1.87 | $5.40 | ||
| Q1 25 | $1.74 | $5.05 | ||
| Q4 24 | $0.87 | $4.92 | ||
| Q3 24 | $1.82 | $4.83 | ||
| Q2 24 | $1.67 | $0.03 | ||
| Q1 24 | $2.05 | $3.93 |
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 | $6.0B | $756.2M |
| 总债务越低越好 | $8.4B | — |
| 股东权益账面价值 | $18.7B | $2.4B |
| 总资产 | $86.3B | $15.0B |
| 负债/权益比越低杠杆越低 | 0.45× | — |
8季度趋势，按日历期对齐
现金及短期投资LPRI
| Q4 25 | $6.0B | $756.2M | ||
| Q3 25 | $5.4B | $644.9M | ||
| Q2 25 | $4.5B | $621.2M | ||
| Q1 25 | $4.4B | $625.1M | ||
| Q4 24 | $4.6B | $687.8M | ||
| Q3 24 | $5.2B | $550.1M | ||
| Q2 24 | $4.9B | $627.3M | ||
| Q1 24 | $5.4B | $593.4M |
总债务LPRI
| Q4 25 | $8.4B | — | ||
| Q3 25 | $8.4B | — | ||
| Q2 25 | $7.9B | — | ||
| Q1 25 | $8.4B | — | ||
| Q4 24 | $8.9B | — | ||
| Q3 24 | $8.8B | — | ||
| Q2 24 | $8.6B | — | ||
| Q1 24 | $8.4B | — |
股东权益LPRI
| Q4 25 | $18.7B | $2.4B | ||
| Q3 25 | $18.3B | $2.3B | ||
| Q2 25 | $17.5B | $2.3B | ||
| Q1 25 | $17.2B | $2.3B | ||
| Q4 24 | $17.1B | $2.3B | ||
| Q3 24 | $17.4B | $1.9B | ||
| Q2 24 | $16.4B | $2.1B | ||
| Q1 24 | $16.2B | $2.2B |
总资产LPRI
| Q4 25 | $86.3B | $15.0B | ||
| Q3 25 | $85.9B | $14.8B | ||
| Q2 25 | $84.7B | $14.8B | ||
| Q1 25 | $83.1B | $14.6B | ||
| Q4 24 | $81.9B | $14.6B | ||
| Q3 24 | $83.6B | $14.8B | ||
| Q2 24 | $81.1B | $14.6B | ||
| Q1 24 | $80.9B | $14.9B |
负债/权益比LPRI
| Q4 25 | 0.45× | — | ||
| Q3 25 | 0.46× | — | ||
| Q2 25 | 0.45× | — | ||
| Q1 25 | 0.49× | — | ||
| Q4 24 | 0.52× | — | ||
| Q3 24 | 0.51× | — | ||
| Q2 24 | 0.52× | — | ||
| Q1 24 | 0.52× | — |
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 | $617.0M | $338.2M |
| 自由现金流经营现金流 - 资本支出 | $426.0M | — |
| 自由现金流率自由现金流/营收 | 51.5% | — |
| 资本支出强度资本支出/营收 | 23.1% | — |
| 现金转化率经营现金流/净利润 | 1.53× | 1.72× |
| 过去12个月自由现金流最近4个季度 | $2.7B | — |
8季度趋势，按日历期对齐
经营现金流LPRI
| Q4 25 | $617.0M | $338.2M | ||
| Q3 25 | $920.0M | $202.9M | ||
| Q2 25 | $1.0B | $162.6M | ||
| Q1 25 | $736.0M | $197.5M | ||
| Q4 24 | $941.0M | $270.6M | ||
| Q3 24 | $934.0M | $207.3M | ||
| Q2 24 | $952.0M | $173.3M | ||
| Q1 24 | $198.0M | $210.9M |
自由现金流LPRI
| Q4 25 | $426.0M | — | ||
| Q3 25 | $764.0M | — | ||
| Q2 25 | $872.0M | — | ||
| Q1 25 | $638.0M | — | ||
| Q4 24 | $767.0M | — | ||
| Q3 24 | $794.0M | — | ||
| Q2 24 | $793.0M | — | ||
| Q1 24 | $39.0M | — |
自由现金流率LPRI
| Q4 25 | 51.5% | — | ||
| Q3 25 | 104.4% | — | ||
| Q2 25 | 113.4% | — | ||
| Q1 25 | 75.4% | — | ||
| Q4 24 | 97.2% | — | ||
| Q3 24 | 116.3% | — | ||
| Q2 24 | 111.5% | — | ||
| Q1 24 | 5.5% | — |
资本支出强度LPRI
| Q4 25 | 23.1% | — | ||
| Q3 25 | 21.3% | — | ||
| Q2 25 | 17.4% | — | ||
| Q1 25 | 11.6% | — | ||
| Q4 24 | 22.1% | — | ||
| Q3 24 | 20.5% | — | ||
| Q2 24 | 22.4% | — | ||
| Q1 24 | 22.4% | — |
现金转化率LPRI
| Q4 25 | 1.53× | 1.72× | ||
| Q3 25 | 1.83× | 0.98× | ||
| Q2 25 | 2.57× | 0.91× | ||
| Q1 25 | 1.99× | 1.17× | ||
| Q4 24 | 5.03× | 1.62× | ||
| Q3 24 | 2.33× | 1.26× | ||
| Q2 24 | 2.58× | 147.98× | ||
| Q1 24 | 0.43× | 1.53× |
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
L
| Transportation And Storage Of Natural Gas And NG Ls And Ethane Supply And Transportation Services | $601.0M | 73% |
| Lodging And Related Services | $226.0M | 27% |
PRI
| Revenues From Sources Other Than Contracts With Customers | $445.9M | 52% |
| Investment And Savings Products Segment Revenues | $340.3M | 40% |
| Other | $56.5M | 7% |
| Segment Revenues From Contracts With Customers | $11.0M | 1% |
