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LifeStance Health Group, Inc.（LFST）与RLI CORP（RLI）财务数据对比。点击上方公司名可切换其他公司
RLI CORP的季度营收约是LifeStance Health Group, Inc.的1.2倍（$465.7M vs $382.2M），RLI CORP净利率更高（19.6% vs 3.1%，领先16.5%），LifeStance Health Group, Inc.同比增速更快（17.4% vs 6.1%），RLI CORP自由现金流更多（$155.0M vs $46.6M），过去两年LifeStance Health Group, Inc.的营收复合增速更高（12.8% vs 2.3%）
LifeStance Health Group是美国的门诊行为健康服务提供商，支持线下面诊与远程诊疗两种服务模式，业务涵盖心理咨询、精神科诊疗、经颅磁刺激（TMS）以及氯胺酮治疗等。该公司曾多次因劳动违规、客户信息泄露及误导投资者相关问题遭遇诉讼。
RLI Corp是一家总部位于美国伊利诺伊州皮奥里亚的专业保险公司，主营财产保险与意外伤害保险业务，深耕保险领域多年，凭借成熟的风险管控体系与定制化产品矩阵，为不同类型的客户提供全面可靠的风险保障服务。
LFST vs RLI — 直观对比
营收规模更大
RLI
是对方的1.2倍
$382.2M
营收增速更快
LFST
高出11.4%
6.1%
净利率更高
RLI
高出16.5%
3.1%
自由现金流更多
RLI
多$108.3M
$46.6M
两年增速更快
LFST
近两年复合增速
2.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $382.2M | $465.7M |
| 净利润 | $11.7M | $91.2M |
| 毛利率 | — | — |
| 营业利润率 | 4.7% | 24.4% |
| 净利率 | 3.1% | 19.6% |
| 营收同比 | 17.4% | 6.1% |
| 净利润同比 | 264.1% | 123.1% |
| 每股收益（稀释后） | — | $1.00 |
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LFSTRLI
| Q4 25 | $382.2M | $465.7M | ||
| Q3 25 | $363.8M | $509.3M | ||
| Q2 25 | $345.3M | $499.8M | ||
| Q1 25 | $333.0M | $407.7M | ||
| Q4 24 | $325.5M | $439.1M | ||
| Q3 24 | $312.7M | $470.0M | ||
| Q2 24 | $312.3M | $416.4M | ||
| Q1 24 | $300.4M | $444.8M |
净利润LFSTRLI
| Q4 25 | $11.7M | $91.2M | ||
| Q3 25 | $1.1M | $124.6M | ||
| Q2 25 | $-3.8M | $124.3M | ||
| Q1 25 | $709.0K | $63.2M | ||
| Q4 24 | $-7.1M | $40.9M | ||
| Q3 24 | $-6.0M | $95.0M | ||
| Q2 24 | $-23.3M | $82.0M | ||
| Q1 24 | $-21.1M | $127.9M |
营业利润率LFSTRLI
| Q4 25 | 4.7% | 24.4% | ||
| Q3 25 | 2.0% | 30.9% | ||
| Q2 25 | -0.9% | 31.3% | ||
| Q1 25 | 0.5% | 19.3% | ||
| Q4 24 | 0.3% | 10.8% | ||
| Q3 24 | 0.0% | 24.9% | ||
| Q2 24 | -5.1% | 24.8% | ||
| Q1 24 | -5.6% | 36.0% |
净利率LFSTRLI
| Q4 25 | 3.1% | 19.6% | ||
| Q3 25 | 0.3% | 24.5% | ||
| Q2 25 | -1.1% | 24.9% | ||
| Q1 25 | 0.2% | 15.5% | ||
| Q4 24 | -2.2% | 9.3% | ||
| Q3 24 | -1.9% | 20.2% | ||
| Q2 24 | -7.5% | 19.7% | ||
| Q1 24 | -7.0% | 28.8% |
每股收益（稀释后）LFSTRLI
| Q4 25 | — | $1.00 | ||
| Q3 25 | — | $1.35 | ||
| Q2 25 | — | $1.34 | ||
| Q1 25 | — | $0.68 | ||
| Q4 24 | — | $-2.87 | ||
| Q3 24 | — | $2.06 | ||
| Q2 24 | — | $1.78 | ||
| Q1 24 | — | $2.77 |
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 | $248.6M | — |
| 总债务越低越好 | $282.8M | — |
| 股东权益账面价值 | $1.5B | $1.8B |
| 总资产 | $2.2B | $6.2B |
| 负债/权益比越低杠杆越低 | 0.19× | — |
8季度趋势，按日历期对齐
现金及短期投资LFSTRLI
| Q4 25 | $248.6M | — | ||
| Q3 25 | $203.9M | — | ||
| Q2 25 | $188.9M | — | ||
| Q1 25 | $134.3M | — | ||
| Q4 24 | $154.6M | — | ||
| Q3 24 | $102.6M | — | ||
| Q2 24 | $87.0M | — | ||
| Q1 24 | $49.5M | — |
总债务LFSTRLI
| Q4 25 | $282.8M | — | ||
| Q3 25 | $284.6M | $100.0M | ||
| Q2 25 | $286.4M | $100.0M | ||
| Q1 25 | $288.2M | $100.0M | ||
| Q4 24 | $290.0M | $100.0M | ||
| Q3 24 | $287.3M | $100.0M | ||
| Q2 24 | $288.0M | $100.0M | ||
| Q1 24 | $288.8M | $100.0M |
股东权益LFSTRLI
| Q4 25 | $1.5B | $1.8B | ||
| Q3 25 | $1.5B | $1.9B | ||
| Q2 25 | $1.5B | $1.7B | ||
| Q1 25 | $1.5B | $1.6B | ||
| Q4 24 | $1.4B | $1.5B | ||
| Q3 24 | $1.4B | $1.7B | ||
| Q2 24 | $1.4B | $1.6B | ||
| Q1 24 | $1.4B | $1.5B |
总资产LFSTRLI
| Q4 25 | $2.2B | $6.2B | ||
| Q3 25 | $2.1B | $6.2B | ||
| Q2 25 | $2.1B | $6.0B | ||
| Q1 25 | $2.1B | $5.7B | ||
| Q4 24 | $2.1B | $5.6B | ||
| Q3 24 | $2.1B | $5.8B | ||
| Q2 24 | $2.1B | $5.5B | ||
| Q1 24 | $2.1B | $5.3B |
负债/权益比LFSTRLI
| Q4 25 | 0.19× | — | ||
| Q3 25 | 0.19× | 0.05× | ||
| Q2 25 | 0.19× | 0.06× | ||
| Q1 25 | 0.20× | 0.06× | ||
| Q4 24 | 0.20× | 0.07× | ||
| Q3 24 | 0.20× | 0.06× | ||
| Q2 24 | 0.20× | 0.06× | ||
| Q1 24 | 0.20× | 0.07× |
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 | $57.6M | $156.8M |
| 自由现金流经营现金流 - 资本支出 | $46.6M | $155.0M |
| 自由现金流率自由现金流/营收 | 12.2% | 33.3% |
| 资本支出强度资本支出/营收 | 2.9% | 0.4% |
| 现金转化率经营现金流/净利润 | 4.93× | 1.72× |
| 过去12个月自由现金流最近4个季度 | $110.0M | $608.7M |
8季度趋势，按日历期对齐
经营现金流LFSTRLI
| Q4 25 | $57.6M | $156.8M | ||
| Q3 25 | $27.3M | $179.2M | ||
| Q2 25 | $64.4M | $174.7M | ||
| Q1 25 | $-3.1M | $103.5M | ||
| Q4 24 | $62.3M | $128.1M | ||
| Q3 24 | $22.7M | $219.4M | ||
| Q2 24 | $44.1M | $141.8M | ||
| Q1 24 | $-21.8M | $70.9M |
自由现金流LFSTRLI
| Q4 25 | $46.6M | $155.0M | ||
| Q3 25 | $17.0M | $177.8M | ||
| Q2 25 | $56.6M | $173.4M | ||
| Q1 25 | $-10.3M | $102.5M | ||
| Q4 24 | $56.0M | $127.6M | ||
| Q3 24 | $17.7M | $219.0M | ||
| Q2 24 | $39.0M | $139.1M | ||
| Q1 24 | $-26.9M | $69.9M |
自由现金流率LFSTRLI
| Q4 25 | 12.2% | 33.3% | ||
| Q3 25 | 4.7% | 34.9% | ||
| Q2 25 | 16.4% | 34.7% | ||
| Q1 25 | -3.1% | 25.1% | ||
| Q4 24 | 17.2% | 29.0% | ||
| Q3 24 | 5.7% | 46.6% | ||
| Q2 24 | 12.5% | 33.4% | ||
| Q1 24 | -9.0% | 15.7% |
资本支出强度LFSTRLI
| Q4 25 | 2.9% | 0.4% | ||
| Q3 25 | 2.8% | 0.3% | ||
| Q2 25 | 2.2% | 0.3% | ||
| Q1 25 | 2.2% | 0.3% | ||
| Q4 24 | 1.9% | 0.1% | ||
| Q3 24 | 1.6% | 0.1% | ||
| Q2 24 | 1.6% | 0.7% | ||
| Q1 24 | 1.7% | 0.2% |
现金转化率LFSTRLI
| Q4 25 | 4.93× | 1.72× | ||
| Q3 25 | 25.34× | 1.44× | ||
| Q2 25 | — | 1.41× | ||
| Q1 25 | -4.36× | 1.64× | ||
| Q4 24 | — | 3.13× | ||
| Q3 24 | — | 2.31× | ||
| Q2 24 | — | 1.73× | ||
| Q1 24 | — | 0.55× |
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
LFST
暂无分部数据
RLI
| Casualty Segment | $246.8M | 53% |
| Property Insurance Segment | $122.5M | 26% |
| Other | $59.3M | 13% |
| Surety Insurance Segment | $37.1M | 8% |
