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Primerica, Inc.（PRI）与利氏兄弟拍卖行（RBA）财务数据对比。点击上方公司名可切换其他公司
利氏兄弟拍卖行的季度营收约是Primerica, Inc.的1.4倍（$1.2B vs $853.7M），Primerica, Inc.净利率更高（23.1% vs 9.1%，领先14.0%），Primerica, Inc.同比增速更快（11.0% vs 5.4%），过去两年Primerica, Inc.的营收复合增速更高（7.2% vs 6.3%）
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。
利氏兄弟拍卖行（股票代码RBA）是全球知名的工业资产拍卖服务商，注册地位于加拿大，属公开上市企业，总部设在美国伊利诺伊州韦斯特切斯特，普通股同时在多伦多证券交易所与纽约证券交易所挂牌交易。
PRI vs RBA — 直观对比
营收规模更大
RBA
是对方的1.4倍
$853.7M
营收增速更快
PRI
高出5.6%
5.4%
净利率更高
PRI
高出14.0%
9.1%
两年增速更快
PRI
近两年复合增速
6.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $1.2B |
| 净利润 | $197.0M | $109.7M |
| 毛利率 | — | — |
| 营业利润率 | 28.9% | 14.7% |
| 净利率 | 23.1% | 9.1% |
| 营收同比 | 11.0% | 5.4% |
| 净利润同比 | 17.9% | -7.4% |
| 每股收益（稀释后） | $6.11 | $0.53 |
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PRIRBA
| Q4 25 | $853.7M | $1.2B | ||
| Q3 25 | $839.9M | $1.1B | ||
| Q2 25 | $793.3M | $1.2B | ||
| Q1 25 | $804.8M | $1.1B | ||
| Q4 24 | $768.8M | $1.1B | ||
| Q3 24 | $774.1M | $981.8M | ||
| Q2 24 | $803.4M | $1.1B | ||
| Q1 24 | $742.8M | $1.1B |
净利润PRIRBA
| Q4 25 | $197.0M | $109.7M | ||
| Q3 25 | $206.8M | $95.5M | ||
| Q2 25 | $178.3M | $109.8M | ||
| Q1 25 | $169.1M | $113.4M | ||
| Q4 24 | $167.1M | $118.5M | ||
| Q3 24 | $164.4M | $76.1M | ||
| Q2 24 | $1.2M | $111.1M | ||
| Q1 24 | $137.9M | $107.4M |
毛利率PRIRBA
| 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PRIRBA
| Q4 25 | 28.9% | 14.7% | ||
| Q3 25 | 32.3% | 14.5% | ||
| Q2 25 | 29.6% | 15.9% | ||
| Q1 25 | 27.5% | 17.1% | ||
| Q4 24 | 64.7% | 18.1% | ||
| Q3 24 | 32.9% | 15.6% | ||
| Q2 24 | 1.0% | 18.4% | ||
| Q1 24 | 24.1% | 18.7% |
净利率PRIRBA
| Q4 25 | 23.1% | 9.1% | ||
| Q3 25 | 24.6% | 8.7% | ||
| Q2 25 | 22.5% | 9.3% | ||
| Q1 25 | 21.0% | 10.2% | ||
| Q4 24 | 21.7% | 10.4% | ||
| Q3 24 | 21.2% | 7.8% | ||
| Q2 24 | 0.1% | 10.1% | ||
| Q1 24 | 18.6% | 10.1% |
每股收益（稀释后）PRIRBA
| Q4 25 | $6.11 | $0.53 | ||
| Q3 25 | $6.35 | $0.43 | ||
| Q2 25 | $5.40 | $0.53 | ||
| Q1 25 | $5.05 | $0.55 | ||
| Q4 24 | $4.92 | $0.58 | ||
| Q3 24 | $4.83 | $0.36 | ||
| Q2 24 | $0.03 | $0.54 | ||
| Q1 24 | $3.93 | $0.53 |
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 | $531.5M |
| 总债务越低越好 | — | $2.3B |
| 股东权益账面价值 | $2.4B | $5.6B |
| 总资产 | $15.0B | $12.1B |
| 负债/权益比越低杠杆越低 | — | 0.42× |
8季度趋势，按日历期对齐
现金及短期投资PRIRBA
| Q4 25 | $756.2M | $531.5M | ||
| Q3 25 | $644.9M | $674.7M | ||
| Q2 25 | $621.2M | $710.2M | ||
| Q1 25 | $625.1M | $578.1M | ||
| Q4 24 | $687.8M | $533.9M | ||
| Q3 24 | $550.1M | $650.7M | ||
| Q2 24 | $627.3M | $599.5M | ||
| Q1 24 | $593.4M | $462.8M |
总债务PRIRBA
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $2.6B | ||
| Q2 25 | — | $2.6B | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $2.6B | ||
| Q3 24 | — | $2.7B | ||
| Q2 24 | — | $2.8B | ||
| Q1 24 | — | $2.9B |
股东权益PRIRBA
| Q4 25 | $2.4B | $5.6B | ||
| Q3 25 | $2.3B | $5.5B | ||
| Q2 25 | $2.3B | $5.5B | ||
| Q1 25 | $2.3B | $5.3B | ||
| Q4 24 | $2.3B | $5.2B | ||
| Q3 24 | $1.9B | $5.2B | ||
| Q2 24 | $2.1B | $5.2B | ||
| Q1 24 | $2.2B | $5.1B |
总资产PRIRBA
| Q4 25 | $15.0B | $12.1B | ||
| Q3 25 | $14.8B | $12.2B | ||
| Q2 25 | $14.8B | $12.2B | ||
| Q1 25 | $14.6B | $11.9B | ||
| Q4 24 | $14.6B | $11.8B | ||
| Q3 24 | $14.8B | $11.9B | ||
| Q2 24 | $14.6B | $12.1B | ||
| Q1 24 | $14.9B | $12.0B |
负债/权益比PRIRBA
| Q4 25 | — | 0.42× | ||
| Q3 25 | — | 0.47× | ||
| Q2 25 | — | 0.47× | ||
| Q1 25 | — | 0.50× | ||
| Q4 24 | — | 0.50× | ||
| Q3 24 | — | 0.52× | ||
| Q2 24 | — | 0.55× | ||
| Q1 24 | — | 0.58× |
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 | $255.2M |
| 自由现金流经营现金流 - 资本支出 | — | $186.5M |
| 自由现金流率自由现金流/营收 | — | 15.5% |
| 资本支出强度资本支出/营收 | — | 5.7% |
| 现金转化率经营现金流/净利润 | 1.72× | 2.33× |
| 过去12个月自由现金流最近4个季度 | — | $719.2M |
8季度趋势，按日历期对齐
经营现金流PRIRBA
| Q4 25 | $338.2M | $255.2M | ||
| Q3 25 | $202.9M | $239.7M | ||
| Q2 25 | $162.6M | $326.5M | ||
| Q1 25 | $197.5M | $156.8M | ||
| Q4 24 | $270.6M | $184.5M | ||
| Q3 24 | $207.3M | $285.4M | ||
| Q2 24 | $173.3M | $337.3M | ||
| Q1 24 | $210.9M | $124.8M |
自由现金流PRIRBA
| Q4 25 | — | $186.5M | ||
| Q3 25 | — | $188.5M | ||
| Q2 25 | — | $241.7M | ||
| Q1 25 | — | $102.5M | ||
| Q4 24 | — | $127.9M | ||
| Q3 24 | — | $248.5M | ||
| Q2 24 | — | $308.6M | ||
| Q1 24 | — | $79.6M |
自由现金流率PRIRBA
| Q4 25 | — | 15.5% | ||
| Q3 25 | — | 17.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 9.2% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | 25.3% | ||
| Q2 24 | — | 28.2% | ||
| Q1 24 | — | 7.5% |
资本支出强度PRIRBA
| Q4 25 | — | 5.7% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 7.2% | ||
| Q1 25 | — | 4.9% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | 2.6% | ||
| Q1 24 | — | 4.2% |
现金转化率PRIRBA
| Q4 25 | 1.72× | 2.33× | ||
| Q3 25 | 0.98× | 2.51× | ||
| Q2 25 | 0.91× | 2.97× | ||
| Q1 25 | 1.17× | 1.38× | ||
| Q4 24 | 1.62× | 1.56× | ||
| Q3 24 | 1.26× | 3.75× | ||
| Q2 24 | 147.98× | 3.04× | ||
| Q1 24 | 1.53× | 1.16× |
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% |
RBA
| Buyer Revenue | $577.2M | 48% |
| Seller Revenue | $255.2M | 21% |
| CA | $199.0M | 17% |
| Other | $124.7M | 10% |
| AU | $47.3M | 4% |
