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PROASSURANCE CORP（PRA）与Rapid7, Inc.（RPD）财务数据对比。点击上方公司名可切换其他公司
PROASSURANCE CORP的季度营收约是Rapid7, Inc.的1.2倍（$269.6M vs $217.4M），PROASSURANCE CORP净利率更高（12.4% vs 1.4%，领先10.9%），Rapid7, Inc.同比增速更快（0.5% vs -7.1%），过去两年Rapid7, Inc.的营收复合增速更高（3.0% vs -2.7%）
保信集团（ProAssurance）总部位于美国阿拉巴马州伯明翰，是一家财产意外保险公司，主打面向医生的职业责任保险业务。公司前身为1976年成立的Mutual Assurance，1997年更名为Medical Assurance，2001年与Professionals Group合并后改为现名，目前是全美第四大医疗职业责任险承保机构，总资产超60亿美元。
Rapid7是全球领先的网络安全企业，提供漏洞管理、威胁检测与响应、云安全、安全分析等全系列安全解决方案，服务全球科技、医疗、金融、制造等行业的各类规模企业及公共部门客户，助力客户高效识别、应对和缓解网络安全风险。
PRA vs RPD — 直观对比
营收规模更大
PRA
是对方的1.2倍
$217.4M
营收增速更快
RPD
高出7.6%
-7.1%
净利率更高
PRA
高出10.9%
1.4%
两年增速更快
RPD
近两年复合增速
-2.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $269.6M | $217.4M |
| 净利润 | $33.4M | $3.1M |
| 毛利率 | — | 68.9% |
| 营业利润率 | 17.3% | 1.0% |
| 净利率 | 12.4% | 1.4% |
| 营收同比 | -7.1% | 0.5% |
| 净利润同比 | 106.4% | 44.1% |
| 每股收益（稀释后） | $0.65 | $0.05 |
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PRARPD
| Q4 25 | $269.6M | $217.4M | ||
| Q3 25 | $279.6M | $218.0M | ||
| Q2 25 | $276.8M | $214.2M | ||
| Q1 25 | $272.1M | $210.3M | ||
| Q4 24 | $290.1M | $216.3M | ||
| Q3 24 | $285.3M | $214.7M | ||
| Q2 24 | $290.4M | $208.0M | ||
| Q1 24 | $284.7M | $205.1M |
净利润PRARPD
| Q4 25 | $33.4M | $3.1M | ||
| Q3 25 | $1.4M | $9.8M | ||
| Q2 25 | $21.9M | $8.3M | ||
| Q1 25 | $-5.8M | $2.1M | ||
| Q4 24 | $16.2M | $2.2M | ||
| Q3 24 | $16.4M | $15.4M | ||
| Q2 24 | $15.5M | $6.5M | ||
| Q1 24 | $4.6M | $1.4M |
毛利率PRARPD
| Q4 25 | — | 68.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.6% | ||
| Q1 25 | — | 71.7% | ||
| Q4 24 | — | 69.5% | ||
| Q3 24 | — | 70.6% | ||
| Q2 24 | — | 70.7% | ||
| Q1 24 | — | 70.3% |
营业利润率PRARPD
| Q4 25 | 17.3% | 1.0% | ||
| Q3 25 | 1.6% | 2.7% | ||
| Q2 25 | 9.9% | 1.6% | ||
| Q1 25 | -2.3% | -0.0% | ||
| Q4 24 | 6.5% | 3.4% | ||
| Q3 24 | 7.4% | 6.0% | ||
| Q2 24 | 6.2% | 2.5% | ||
| Q1 24 | 1.9% | 4.7% |
净利率PRARPD
| Q4 25 | 12.4% | 1.4% | ||
| Q3 25 | 0.5% | 4.5% | ||
| Q2 25 | 7.9% | 3.9% | ||
| Q1 25 | -2.1% | 1.0% | ||
| Q4 24 | 5.6% | 1.0% | ||
| Q3 24 | 5.8% | 7.2% | ||
| Q2 24 | 5.3% | 3.1% | ||
| Q1 24 | 1.6% | 0.7% |
每股收益（稀释后）PRARPD
| Q4 25 | $0.65 | $0.05 | ||
| Q3 25 | $0.03 | $0.15 | ||
| Q2 25 | $0.42 | $0.13 | ||
| Q1 25 | $-0.11 | $0.03 | ||
| Q4 24 | $0.32 | $0.08 | ||
| Q3 24 | $0.32 | $0.21 | ||
| Q2 24 | $0.30 | $0.09 | ||
| Q1 24 | $0.09 | $0.02 |
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 | $36.5M | $474.7M |
| 总债务越低越好 | $420.4M | — |
| 股东权益账面价值 | $1.3B | $154.7M |
| 总资产 | $5.4B | $1.7B |
| 负债/权益比越低杠杆越低 | 0.31× | — |
8季度趋势，按日历期对齐
现金及短期投资PRARPD
| Q4 25 | $36.5M | $474.7M | ||
| Q3 25 | $54.5M | $407.1M | ||
| Q2 25 | $41.6M | $511.7M | ||
| Q1 25 | $43.5M | $493.5M | ||
| Q4 24 | $54.9M | $521.7M | ||
| Q3 24 | $45.3M | $443.7M | ||
| Q2 24 | $36.9M | $442.6M | ||
| Q1 24 | $65.4M | $411.7M |
总债务PRARPD
| Q4 25 | $420.4M | — | ||
| Q3 25 | $421.5M | — | ||
| Q2 25 | $422.6M | — | ||
| Q1 25 | $423.7M | — | ||
| Q4 24 | $424.9M | — | ||
| Q3 24 | $425.9M | — | ||
| Q2 24 | $426.9M | — | ||
| Q1 24 | $427.8M | — |
股东权益PRARPD
| Q4 25 | $1.3B | $154.7M | ||
| Q3 25 | $1.3B | $127.2M | ||
| Q2 25 | $1.3B | $90.4M | ||
| Q1 25 | $1.2B | $52.7M | ||
| Q4 24 | $1.2B | $17.7M | ||
| Q3 24 | $1.2B | $-5.1M | ||
| Q2 24 | $1.1B | $-52.6M | ||
| Q1 24 | $1.1B | $-86.4M |
总资产PRARPD
| Q4 25 | $5.4B | $1.7B | ||
| Q3 25 | $5.6B | $1.7B | ||
| Q2 25 | $5.5B | $1.6B | ||
| Q1 25 | $5.5B | $1.6B | ||
| Q4 24 | $5.6B | $1.7B | ||
| Q3 24 | $5.7B | $1.6B | ||
| Q2 24 | $5.6B | $1.5B | ||
| Q1 24 | $5.7B | $1.5B |
负债/权益比PRARPD
| Q4 25 | 0.31× | — | ||
| Q3 25 | 0.32× | — | ||
| Q2 25 | 0.33× | — | ||
| Q1 25 | 0.34× | — | ||
| Q4 24 | 0.35× | — | ||
| Q3 24 | 0.35× | — | ||
| Q2 24 | 0.38× | — | ||
| Q1 24 | 0.38× | — |
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 | $-25.6M | $37.6M |
| 自由现金流经营现金流 - 资本支出 | — | $36.4M |
| 自由现金流率自由现金流/营收 | — | 16.8% |
| 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 | -0.77× | 12.01× |
| 过去12个月自由现金流最近4个季度 | — | $146.2M |
8季度趋势，按日历期对齐
经营现金流PRARPD
| Q4 25 | $-25.6M | $37.6M | ||
| Q3 25 | $27.2M | $39.0M | ||
| Q2 25 | $-28.1M | $47.5M | ||
| Q1 25 | $-11.6M | $29.8M | ||
| Q4 24 | $-10.7M | $63.8M | ||
| Q3 24 | $14.0M | $44.0M | ||
| Q2 24 | $-12.8M | $32.9M | ||
| Q1 24 | $-11.6M | $31.1M |
自由现金流PRARPD
| Q4 25 | — | $36.4M | ||
| Q3 25 | — | $34.8M | ||
| Q2 25 | — | $46.6M | ||
| Q1 25 | — | $28.4M | ||
| Q4 24 | — | $62.6M | ||
| Q3 24 | — | $42.6M | ||
| Q2 24 | — | $32.6M | ||
| Q1 24 | — | $30.4M |
自由现金流率PRARPD
| Q4 25 | — | 16.8% | ||
| Q3 25 | — | 16.0% | ||
| Q2 25 | — | 21.8% | ||
| Q1 25 | — | 13.5% | ||
| Q4 24 | — | 28.9% | ||
| Q3 24 | — | 19.9% | ||
| Q2 24 | — | 15.7% | ||
| Q1 24 | — | 14.8% |
资本支出强度PRARPD
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.3% |
现金转化率PRARPD
| Q4 25 | -0.77× | 12.01× | ||
| Q3 25 | 18.81× | 3.97× | ||
| Q2 25 | -1.28× | 5.70× | ||
| Q1 25 | — | 14.14× | ||
| Q4 24 | -0.66× | 29.36× | ||
| Q3 24 | 0.85× | 2.85× | ||
| Q2 24 | -0.83× | 5.03× | ||
| Q1 24 | -2.52× | 22.10× |
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
PRA
| Workers Compensation Insurance Segment | $164.4M | 61% |
| Other | $59.6M | 22% |
| Segregated Portfolio Cell Reinsurance | $45.7M | 17% |
RPD
| Products | $209.1M | 96% |
| Services | $8.2M | 4% |
