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Primerica, Inc.（PRI）与罗致恒富（RHI）财务数据对比。点击上方公司名可切换其他公司
罗致恒富的季度营收约是Primerica, Inc.的1.5倍（$1.3B vs $853.7M），Primerica, Inc.同比增速更快（11.0% vs -5.8%），过去两年Primerica, Inc.的营收复合增速更高（7.2% vs -6.1%）
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。
罗致恒富是1948年成立的国际人力资源咨询机构，总部位于加利福尼亚州门洛帕克和圣拉蒙，是全球规模领先的会计与金融领域人才派遣服务商之一，在全球范围内设有超过345个办公点。
PRI vs RHI — 直观对比
营收规模更大
RHI
是对方的1.5倍
$853.7M
营收增速更快
PRI
高出16.8%
-5.8%
两年增速更快
PRI
近两年复合增速
-6.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $1.3B |
| 净利润 | $197.0M | — |
| 毛利率 | — | 37.6% |
| 营业利润率 | 28.9% | 1.7% |
| 净利率 | 23.1% | — |
| 营收同比 | 11.0% | -5.8% |
| 净利润同比 | 17.9% | — |
| 每股收益（稀释后） | $6.11 | $0.32 |
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PRIRHI
| Q4 25 | $853.7M | $1.3B | ||
| Q3 25 | $839.9M | $1.4B | ||
| Q2 25 | $793.3M | $1.4B | ||
| Q1 25 | $804.8M | $1.4B | ||
| Q4 24 | $768.8M | $1.4B | ||
| Q3 24 | $774.1M | $1.5B | ||
| Q2 24 | $803.4M | $1.5B | ||
| Q1 24 | $742.8M | $1.5B |
净利润PRIRHI
| Q4 25 | $197.0M | — | ||
| Q3 25 | $206.8M | $42.9M | ||
| Q2 25 | $178.3M | $41.0M | ||
| Q1 25 | $169.1M | $17.4M | ||
| Q4 24 | $167.1M | — | ||
| Q3 24 | $164.4M | $65.5M | ||
| Q2 24 | $1.2M | $68.2M | ||
| Q1 24 | $137.9M | $63.7M |
毛利率PRIRHI
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 37.2% | ||
| Q2 25 | — | 37.2% | ||
| Q1 25 | — | 36.9% | ||
| Q4 24 | — | 38.8% | ||
| Q3 24 | — | 39.0% | ||
| Q2 24 | 98.0% | 39.2% | ||
| Q1 24 | 98.2% | 38.1% |
营业利润率PRIRHI
| Q4 25 | 28.9% | 1.7% | ||
| Q3 25 | 32.3% | 1.0% | ||
| Q2 25 | 29.6% | 0.1% | ||
| Q1 25 | 27.5% | 2.9% | ||
| Q4 24 | 64.7% | 4.7% | ||
| Q3 24 | 32.9% | 4.1% | ||
| Q2 24 | 1.0% | 5.1% | ||
| Q1 24 | 24.1% | 2.8% |
净利率PRIRHI
| Q4 25 | 23.1% | — | ||
| Q3 25 | 24.6% | 3.2% | ||
| Q2 25 | 22.5% | 3.0% | ||
| Q1 25 | 21.0% | 1.3% | ||
| Q4 24 | 21.7% | — | ||
| Q3 24 | 21.2% | 4.5% | ||
| Q2 24 | 0.1% | 4.6% | ||
| Q1 24 | 18.6% | 4.3% |
每股收益（稀释后）PRIRHI
| Q4 25 | $6.11 | $0.32 | ||
| Q3 25 | $6.35 | $0.43 | ||
| Q2 25 | $5.40 | $0.41 | ||
| Q1 25 | $5.05 | $0.17 | ||
| Q4 24 | $4.92 | $0.53 | ||
| Q3 24 | $4.83 | $0.64 | ||
| Q2 24 | $0.03 | $0.66 | ||
| Q1 24 | $3.93 | $0.61 |
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 | $464.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.4B | $1.3B |
| 总资产 | $15.0B | $2.9B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资PRIRHI
| Q4 25 | $756.2M | $464.4M | ||
| Q3 25 | $644.9M | $365.3M | ||
| Q2 25 | $621.2M | $380.5M | ||
| Q1 25 | $625.1M | $342.5M | ||
| Q4 24 | $687.8M | $537.6M | ||
| Q3 24 | $550.1M | $570.5M | ||
| Q2 24 | $627.3M | $547.4M | ||
| Q1 24 | $593.4M | $540.9M |
股东权益PRIRHI
| Q4 25 | $2.4B | $1.3B | ||
| Q3 25 | $2.3B | $1.3B | ||
| Q2 25 | $2.3B | $1.3B | ||
| Q1 25 | $2.3B | $1.3B | ||
| Q4 24 | $2.3B | $1.4B | ||
| Q3 24 | $1.9B | $1.5B | ||
| Q2 24 | $2.1B | $1.5B | ||
| Q1 24 | $2.2B | $1.5B |
总资产PRIRHI
| Q4 25 | $15.0B | $2.9B | ||
| Q3 25 | $14.8B | $2.8B | ||
| Q2 25 | $14.8B | $2.8B | ||
| Q1 25 | $14.6B | $2.7B | ||
| Q4 24 | $14.6B | $2.9B | ||
| Q3 24 | $14.8B | $3.0B | ||
| Q2 24 | $14.6B | $2.9B | ||
| Q1 24 | $14.9B | $2.9B |
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 | $182.5M |
| 自由现金流经营现金流 - 资本支出 | — | $170.8M |
| 自由现金流率自由现金流/营收 | — | 13.1% |
| 资本支出强度资本支出/营收 | — | 0.9% |
| 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 | — | $266.8M |
8季度趋势，按日历期对齐
经营现金流PRIRHI
| Q4 25 | $338.2M | $182.5M | ||
| Q3 25 | $202.9M | $77.4M | ||
| Q2 25 | $162.6M | $119.4M | ||
| Q1 25 | $197.5M | $-59.3M | ||
| Q4 24 | $270.6M | $154.8M | ||
| Q3 24 | $207.3M | $129.6M | ||
| Q2 24 | $173.3M | $142.0M | ||
| Q1 24 | $210.9M | $-15.9M |
自由现金流PRIRHI
| Q4 25 | — | $170.8M | ||
| Q3 25 | — | $63.6M | ||
| Q2 25 | — | $104.2M | ||
| Q1 25 | — | $-71.7M | ||
| Q4 24 | — | $140.5M | ||
| Q3 24 | — | $111.8M | ||
| Q2 24 | — | $129.6M | ||
| Q1 24 | — | $-27.7M |
自由现金流率PRIRHI
| Q4 25 | — | 13.1% | ||
| Q3 25 | — | 4.7% | ||
| Q2 25 | — | 7.6% | ||
| Q1 25 | — | -5.3% | ||
| Q4 24 | — | 10.2% | ||
| Q3 24 | — | 7.6% | ||
| Q2 24 | — | 8.8% | ||
| Q1 24 | — | -1.9% |
资本支出强度PRIRHI
| Q4 25 | — | 0.9% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 0.8% |
现金转化率PRIRHI
| Q4 25 | 1.72× | — | ||
| Q3 25 | 0.98× | 1.80× | ||
| Q2 25 | 0.91× | 2.91× | ||
| Q1 25 | 1.17× | -3.42× | ||
| Q4 24 | 1.62× | — | ||
| Q3 24 | 1.26× | 1.98× | ||
| Q2 24 | 147.98× | 2.08× | ||
| Q1 24 | 1.53× | -0.25× |
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% |
RHI
| Finance And Accounting | $535.2M | 41% |
| Protiviti | $479.0M | 37% |
| Technology | $156.4M | 12% |
| Permanent Placement Talent Solutions | $102.6M | 8% |
| Other | $29.2M | 2% |
