vs
PROASSURANCE CORP（PRA）与Stitch Fix, Inc.（SFIX）财务数据对比。点击上方公司名可切换其他公司
Stitch Fix, Inc.的季度营收约是PROASSURANCE CORP的1.3倍（$342.1M vs $269.6M），PROASSURANCE CORP净利率更高（12.4% vs -1.9%，领先14.2%），Stitch Fix, Inc.同比增速更快（7.3% vs -7.1%），过去两年Stitch Fix, Inc.的营收复合增速更高（1.8% 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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
PRA vs SFIX — 直观对比
营收规模更大
SFIX
是对方的1.3倍
$269.6M
营收增速更快
SFIX
高出14.4%
-7.1%
净利率更高
PRA
高出14.2%
-1.9%
两年增速更快
SFIX
近两年复合增速
-2.7%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $269.6M | $342.1M |
| 净利润 | $33.4M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | 17.3% | -2.5% |
| 净利率 | 12.4% | -1.9% |
| 营收同比 | -7.1% | 7.3% |
| 净利润同比 | 106.4% | -1.7% |
| 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PRASFIX
| Q4 25 | $269.6M | $342.1M | ||
| Q3 25 | $279.6M | $311.2M | ||
| Q2 25 | $276.8M | $325.0M | ||
| Q1 25 | $272.1M | $312.1M | ||
| Q4 24 | $290.1M | $318.8M | ||
| Q3 24 | $285.3M | $319.6M | ||
| Q2 24 | $290.4M | $322.7M | ||
| Q1 24 | $284.7M | $330.4M |
净利润PRASFIX
| Q4 25 | $33.4M | $-6.4M | ||
| Q3 25 | $1.4M | $-8.6M | ||
| Q2 25 | $21.9M | $-7.4M | ||
| Q1 25 | $-5.8M | $-6.5M | ||
| Q4 24 | $16.2M | $-6.3M | ||
| Q3 24 | $16.4M | $-36.5M | ||
| Q2 24 | $15.5M | $-21.3M | ||
| Q1 24 | $4.6M | $-35.5M |
毛利率PRASFIX
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 43.4% |
营业利润率PRASFIX
| Q4 25 | 17.3% | -2.5% | ||
| Q3 25 | 1.6% | -3.6% | ||
| Q2 25 | 9.9% | -3.0% | ||
| Q1 25 | -2.3% | -2.9% | ||
| Q4 24 | 6.5% | -2.8% | ||
| Q3 24 | 7.4% | -13.1% | ||
| Q2 24 | 6.2% | -7.7% | ||
| Q1 24 | 1.9% | -11.5% |
净利率PRASFIX
| Q4 25 | 12.4% | -1.9% | ||
| Q3 25 | 0.5% | -2.8% | ||
| Q2 25 | 7.9% | -2.3% | ||
| Q1 25 | -2.1% | -2.1% | ||
| Q4 24 | 5.6% | -2.0% | ||
| Q3 24 | 5.8% | -11.4% | ||
| Q2 24 | 5.3% | -6.6% | ||
| Q1 24 | 1.6% | -10.8% |
每股收益（稀释后）PRASFIX
| Q4 25 | $0.65 | $-0.05 | ||
| Q3 25 | $0.03 | $-0.06 | ||
| Q2 25 | $0.42 | $-0.06 | ||
| Q1 25 | $-0.11 | $-0.05 | ||
| Q4 24 | $0.32 | $-0.05 | ||
| Q3 24 | $0.32 | $-0.29 | ||
| Q2 24 | $0.30 | $-0.18 | ||
| Q1 24 | $0.09 | $-0.30 |
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 | $244.2M |
| 总债务越低越好 | $420.4M | — |
| 股东权益账面价值 | $1.3B | $204.1M |
| 总资产 | $5.4B | $530.7M |
| 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PRASFIX
| Q4 25 | $36.5M | $244.2M | ||
| Q3 25 | $54.5M | $234.9M | ||
| Q2 25 | $41.6M | $234.2M | ||
| Q1 25 | $43.5M | $219.1M | ||
| Q4 24 | $54.9M | $253.3M | ||
| Q3 24 | $45.3M | $247.0M | ||
| Q2 24 | $36.9M | $244.5M | ||
| Q1 24 | $65.4M | $229.8M |
总债务PRASFIX
| 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PRASFIX
| Q4 25 | $1.3B | $204.1M | ||
| Q3 25 | $1.3B | $203.0M | ||
| Q2 25 | $1.3B | $200.4M | ||
| Q1 25 | $1.2B | $197.8M | ||
| Q4 24 | $1.2B | $190.5M | ||
| Q3 24 | $1.2B | $187.0M | ||
| Q2 24 | $1.1B | $208.9M | ||
| Q1 24 | $1.1B | $213.3M |
总资产PRASFIX
| Q4 25 | $5.4B | $530.7M | ||
| Q3 25 | $5.6B | $480.6M | ||
| Q2 25 | $5.5B | $484.7M | ||
| Q1 25 | $5.5B | $472.6M | ||
| Q4 24 | $5.6B | $507.1M | ||
| Q3 24 | $5.7B | $486.9M | ||
| Q2 24 | $5.6B | $537.0M | ||
| Q1 24 | $5.7B | $538.3M |
负债/权益比PRASFIX
| 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 | $10.9M |
| 自由现金流经营现金流 - 资本支出 | — | $5.6M |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | -0.77× | — |
| 过去12个月自由现金流最近4个季度 | — | $4.9M |
8季度趋势，按日历期对齐
经营现金流PRASFIX
| Q4 25 | $-25.6M | $10.9M | ||
| Q3 25 | $27.2M | $7.0M | ||
| Q2 25 | $-28.1M | $20.5M | ||
| Q1 25 | $-11.6M | $-16.2M | ||
| Q4 24 | $-10.7M | $14.3M | ||
| Q3 24 | $14.0M | $8.2M | ||
| Q2 24 | $-12.8M | $21.7M | ||
| Q1 24 | $-11.6M | $-22.3M |
自由现金流PRASFIX
| Q4 25 | — | $5.6M | ||
| Q3 25 | — | $2.8M | ||
| Q2 25 | — | $16.0M | ||
| Q1 25 | — | $-19.4M | ||
| Q4 24 | — | $9.9M | ||
| Q3 24 | — | $4.5M | ||
| Q2 24 | — | $18.9M | ||
| Q1 24 | — | $-26.1M |
自由现金流率PRASFIX
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 4.9% | ||
| Q1 25 | — | -6.2% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 1.4% | ||
| Q2 24 | — | 5.9% | ||
| Q1 24 | — | -7.9% |
资本支出强度PRASFIX
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | 1.1% |
现金转化率PRASFIX
| Q4 25 | -0.77× | — | ||
| Q3 25 | 18.81× | — | ||
| Q2 25 | -1.28× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | -0.66× | — | ||
| Q3 24 | 0.85× | — | ||
| Q2 24 | -0.83× | — | ||
| Q1 24 | -2.52× | — |
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% |
SFIX
暂无分部数据
