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Primerica, Inc.（PRI）与Primo Brands Corp（PRMB）财务数据对比。点击上方公司名可切换其他公司
Primo Brands Corp的季度营收约是Primerica, Inc.的1.8倍（$1.6B vs $853.7M），Primerica, Inc.净利率更高（23.1% vs -0.8%，领先23.9%）
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。
Primo Brands Corp是一家美加合资饮用水企业，主营多规格桶装水、饮水机、自助补水设备及净水家电，总部位于美国佛罗里达州坦帕市，服务覆盖美国、加拿大、欧洲及以色列的住宅与商业客户。
PRI vs PRMB — 直观对比
营收规模更大
PRMB
是对方的1.8倍
$853.7M
净利率更高
PRI
高出23.9%
-0.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $1.6B |
| 净利润 | $197.0M | $-13.0M |
| 毛利率 | — | 27.7% |
| 营业利润率 | 28.9% | 1.2% |
| 净利率 | 23.1% | -0.8% |
| 营收同比 | 11.0% | — |
| 净利润同比 | 17.9% | — |
| 每股收益（稀释后） | $6.11 | $-0.03 |
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PRIPRMB
| Q4 25 | $853.7M | $1.6B | ||
| Q3 25 | $839.9M | $1.8B | ||
| Q2 25 | $793.3M | $1.7B | ||
| Q1 25 | $804.8M | $1.6B | ||
| Q4 24 | $768.8M | — | ||
| Q3 24 | $774.1M | $0 | ||
| Q2 24 | $803.4M | $1.3B | ||
| Q1 24 | $742.8M | $1.1B |
净利润PRIPRMB
| Q4 25 | $197.0M | $-13.0M | ||
| Q3 25 | $206.8M | $16.8M | ||
| Q2 25 | $178.3M | $27.6M | ||
| Q1 25 | $169.1M | $28.7M | ||
| Q4 24 | $167.1M | — | ||
| Q3 24 | $164.4M | $-2.0K | ||
| Q2 24 | $1.2M | $54.5M | ||
| Q1 24 | $137.9M | $33.5M |
毛利率PRIPRMB
| Q4 25 | — | 27.7% | ||
| Q3 25 | — | 29.9% | ||
| Q2 25 | — | 31.3% | ||
| Q1 25 | — | 32.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 98.0% | 32.7% | ||
| Q1 24 | 98.2% | 30.4% |
营业利润率PRIPRMB
| Q4 25 | 28.9% | 1.2% | ||
| Q3 25 | 32.3% | 8.3% | ||
| Q2 25 | 29.6% | 6.5% | ||
| Q1 25 | 27.5% | 9.5% | ||
| Q4 24 | 64.7% | — | ||
| Q3 24 | 32.9% | — | ||
| Q2 24 | 1.0% | 12.1% | ||
| Q1 24 | 24.1% | 11.0% |
净利率PRIPRMB
| Q4 25 | 23.1% | -0.8% | ||
| Q3 25 | 24.6% | 1.0% | ||
| Q2 25 | 22.5% | 1.6% | ||
| Q1 25 | 21.0% | 1.8% | ||
| Q4 24 | 21.7% | — | ||
| Q3 24 | 21.2% | — | ||
| Q2 24 | 0.1% | 4.1% | ||
| Q1 24 | 18.6% | 2.9% |
每股收益（稀释后）PRIPRMB
| Q4 25 | $6.11 | $-0.03 | ||
| Q3 25 | $6.35 | $0.04 | ||
| Q2 25 | $5.40 | $0.07 | ||
| Q1 25 | $5.05 | $0.08 | ||
| Q4 24 | $4.92 | — | ||
| Q3 24 | $4.83 | $-20.00 | ||
| Q2 24 | $0.03 | $0.25 | ||
| Q1 24 | $3.93 | $0.15 |
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 | $756.2M | $376.7M |
| 总债务越低越好 | — | $5.2B |
| 股东权益账面价值 | $2.4B | $3.0B |
| 总资产 | $15.0B | $10.6B |
| 负债/权益比越低杠杆越低 | — | 1.72× |
8季度趋势，按日历期对齐
现金及短期投资PRIPRMB
| Q4 25 | $756.2M | $376.7M | ||
| Q3 25 | $644.9M | — | ||
| Q2 25 | $621.2M | — | ||
| Q1 25 | $625.1M | — | ||
| Q4 24 | $687.8M | — | ||
| Q3 24 | $550.1M | — | ||
| Q2 24 | $627.3M | — | ||
| Q1 24 | $593.4M | — |
总债务PRIPRMB
| Q4 25 | — | $5.2B | ||
| Q3 25 | — | $5.1B | ||
| Q2 25 | — | $5.1B | ||
| Q1 25 | — | $5.0B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益PRIPRMB
| Q4 25 | $2.4B | $3.0B | ||
| Q3 25 | $2.3B | $3.2B | ||
| Q2 25 | $2.3B | $3.2B | ||
| Q1 25 | $2.3B | $3.3B | ||
| Q4 24 | $2.3B | — | ||
| Q3 24 | $1.9B | $-2.0K | ||
| Q2 24 | $2.1B | $-296.8M | ||
| Q1 24 | $2.2B | $-349.8M |
总资产PRIPRMB
| Q4 25 | $15.0B | $10.6B | ||
| Q3 25 | $14.8B | $11.0B | ||
| Q2 25 | $14.8B | $11.0B | ||
| Q1 25 | $14.6B | $11.0B | ||
| Q4 24 | $14.6B | — | ||
| Q3 24 | $14.8B | $0 | ||
| Q2 24 | $14.6B | — | ||
| Q1 24 | $14.9B | — |
负债/权益比PRIPRMB
| Q4 25 | — | 1.72× | ||
| Q3 25 | — | 1.61× | ||
| Q2 25 | — | 1.57× | ||
| Q1 25 | — | 1.51× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $338.2M | $203.1M |
| 自由现金流经营现金流 - 资本支出 | — | $57.3M |
| 自由现金流率自由现金流/营收 | — | 3.7% |
| 资本支出强度资本支出/营收 | — | 9.4% |
| 现金转化率经营现金流/净利润 | 1.72× | — |
| 过去12个月自由现金流最近4个季度 | — | $302.9M |
8季度趋势，按日历期对齐
经营现金流PRIPRMB
| Q4 25 | $338.2M | $203.1M | ||
| Q3 25 | $202.9M | $283.4M | ||
| Q2 25 | $162.6M | $155.0M | ||
| Q1 25 | $197.5M | $38.8M | ||
| Q4 24 | $270.6M | — | ||
| Q3 24 | $207.3M | $0 | ||
| Q2 24 | $173.3M | $102.5M | ||
| Q1 24 | $210.9M | $6.0M |
自由现金流PRIPRMB
| Q4 25 | — | $57.3M | ||
| Q3 25 | — | $167.7M | ||
| Q2 25 | — | $101.1M | ||
| Q1 25 | — | $-23.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $61.4M | ||
| Q1 24 | — | $-17.5M |
自由现金流率PRIPRMB
| Q4 25 | — | 3.7% | ||
| Q3 25 | — | 9.5% | ||
| Q2 25 | — | 5.8% | ||
| Q1 25 | — | -1.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 4.7% | ||
| Q1 24 | — | -1.5% |
资本支出强度PRIPRMB
| Q4 25 | — | 9.4% | ||
| Q3 25 | — | 6.6% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 2.1% |
现金转化率PRIPRMB
| Q4 25 | 1.72× | — | ||
| Q3 25 | 0.98× | 16.87× | ||
| Q2 25 | 0.91× | 5.62× | ||
| Q1 25 | 1.17× | 1.35× | ||
| Q4 24 | 1.62× | — | ||
| Q3 24 | 1.26× | — | ||
| Q2 24 | 147.98× | 1.88× | ||
| Q1 24 | 1.53× | 0.18× |
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
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% |
PRMB
| Regional Spring Water | $765.1M | 49% |
| Purified Water | $484.5M | 31% |
| Other | $188.4M | 12% |
| Premium Water | $90.3M | 6% |
| Other Water | $25.8M | 2% |
