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Primerica, Inc.（PRI）与RBC Bearings INC（RBC）财务数据对比。点击上方公司名可切换其他公司
Primerica, Inc.的季度营收约是RBC Bearings INC的1.8倍（$853.7M vs $461.6M），Primerica, Inc.净利率更高（23.1% vs 14.6%，领先8.5%），RBC Bearings INC同比增速更快（17.0% vs 11.0%），过去两年Primerica, Inc.的营收复合增速更高（7.2% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
PRI vs RBC — 直观对比
营收规模更大
PRI
是对方的1.8倍
$461.6M
营收增速更快
RBC
高出6.0%
11.0%
净利率更高
PRI
高出8.5%
14.6%
两年增速更快
PRI
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $461.6M |
| 净利润 | $197.0M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | 28.9% | 22.3% |
| 净利率 | 23.1% | 14.6% |
| 营收同比 | 11.0% | 17.0% |
| 净利润同比 | 17.9% | 16.4% |
| 每股收益（稀释后） | $6.11 | $2.13 |
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PRIRBC
| Q4 25 | $853.7M | $461.6M | ||
| Q3 25 | $839.9M | $455.3M | ||
| Q2 25 | $793.3M | $436.0M | ||
| Q1 25 | $804.8M | $437.7M | ||
| Q4 24 | $768.8M | $394.4M | ||
| Q3 24 | $774.1M | $397.9M | ||
| Q2 24 | $803.4M | $406.3M | ||
| Q1 24 | $742.8M | $413.7M |
净利润PRIRBC
| Q4 25 | $197.0M | $67.4M | ||
| Q3 25 | $206.8M | $60.0M | ||
| Q2 25 | $178.3M | $68.5M | ||
| Q1 25 | $169.1M | $72.7M | ||
| Q4 24 | $167.1M | $57.9M | ||
| Q3 24 | $164.4M | $54.2M | ||
| Q2 24 | $1.2M | $61.4M | ||
| Q1 24 | $137.9M | — |
毛利率PRIRBC
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | 98.0% | 45.3% | ||
| Q1 24 | 98.2% | 43.1% |
营业利润率PRIRBC
| Q4 25 | 28.9% | 22.3% | ||
| Q3 25 | 32.3% | 21.5% | ||
| Q2 25 | 29.6% | 23.2% | ||
| Q1 25 | 27.5% | 23.0% | ||
| Q4 24 | 64.7% | 21.7% | ||
| Q3 24 | 32.9% | 21.6% | ||
| Q2 24 | 1.0% | 24.0% | ||
| Q1 24 | 24.1% | 22.8% |
净利率PRIRBC
| Q4 25 | 23.1% | 14.6% | ||
| Q3 25 | 24.6% | 13.2% | ||
| Q2 25 | 22.5% | 15.7% | ||
| Q1 25 | 21.0% | 16.6% | ||
| Q4 24 | 21.7% | 14.7% | ||
| Q3 24 | 21.2% | 13.6% | ||
| Q2 24 | 0.1% | 15.1% | ||
| Q1 24 | 18.6% | — |
每股收益（稀释后）PRIRBC
| Q4 25 | $6.11 | $2.13 | ||
| Q3 25 | $6.35 | $1.90 | ||
| Q2 25 | $5.40 | $2.17 | ||
| Q1 25 | $5.05 | $2.33 | ||
| Q4 24 | $4.92 | $1.82 | ||
| Q3 24 | $4.83 | $1.65 | ||
| Q2 24 | $0.03 | $1.90 | ||
| Q1 24 | $3.93 | $1.92 |
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 | $107.6M |
| 总债务越低越好 | — | $990.2M |
| 股东权益账面价值 | $2.4B | $3.3B |
| 总资产 | $15.0B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资PRIRBC
| Q4 25 | $756.2M | $107.6M | ||
| Q3 25 | $644.9M | $91.2M | ||
| Q2 25 | $621.2M | $132.9M | ||
| Q1 25 | $625.1M | $36.8M | ||
| Q4 24 | $687.8M | — | ||
| Q3 24 | $550.1M | — | ||
| Q2 24 | $627.3M | $76.8M | ||
| Q1 24 | $593.4M | $63.5M |
总债务PRIRBC
| Q4 25 | — | $990.2M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $915.6M | ||
| Q1 25 | — | $920.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.2B |
股东权益PRIRBC
| Q4 25 | $2.4B | $3.3B | ||
| Q3 25 | $2.3B | $3.2B | ||
| Q2 25 | $2.3B | $3.1B | ||
| Q1 25 | $2.3B | $3.0B | ||
| Q4 24 | $2.3B | $2.9B | ||
| Q3 24 | $1.9B | $2.9B | ||
| Q2 24 | $2.1B | $2.8B | ||
| Q1 24 | $2.2B | $2.8B |
总资产PRIRBC
| Q4 25 | $15.0B | $5.1B | ||
| Q3 25 | $14.8B | $5.1B | ||
| Q2 25 | $14.8B | $4.8B | ||
| Q1 25 | $14.6B | $4.7B | ||
| Q4 24 | $14.6B | $4.7B | ||
| Q3 24 | $14.8B | $4.7B | ||
| Q2 24 | $14.6B | $4.7B | ||
| Q1 24 | $14.9B | $4.7B |
负债/权益比PRIRBC
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
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 | $122.1M |
| 自由现金流经营现金流 - 资本支出 | — | $99.1M |
| 自由现金流率自由现金流/营收 | — | 21.5% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | 1.72× | 1.81× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流PRIRBC
| Q4 25 | $338.2M | $122.1M | ||
| Q3 25 | $202.9M | $88.4M | ||
| Q2 25 | $162.6M | $120.0M | ||
| Q1 25 | $197.5M | — | ||
| Q4 24 | $270.6M | $84.0M | ||
| Q3 24 | $207.3M | — | ||
| Q2 24 | $173.3M | $97.4M | ||
| Q1 24 | $210.9M | — |
自由现金流PRIRBC
| Q4 25 | — | $99.1M | ||
| Q3 25 | — | $71.7M | ||
| Q2 25 | — | $104.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $73.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $88.4M | ||
| Q1 24 | — | — |
自由现金流率PRIRBC
| Q4 25 | — | 21.5% | ||
| Q3 25 | — | 15.7% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 18.7% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.8% | ||
| Q1 24 | — | — |
资本支出强度PRIRBC
| Q4 25 | — | 5.0% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | — |
现金转化率PRIRBC
| Q4 25 | 1.72× | 1.81× | ||
| Q3 25 | 0.98× | 1.47× | ||
| Q2 25 | 0.91× | 1.75× | ||
| Q1 25 | 1.17× | — | ||
| Q4 24 | 1.62× | 1.45× | ||
| Q3 24 | 1.26× | — | ||
| Q2 24 | 147.98× | 1.59× | ||
| Q1 24 | 1.53× | — |
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% |
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
