vs
Primerica, Inc.（PRI）与RUSH ENTERPRISES INC \TX\（RUSHA）财务数据对比。点击上方公司名可切换其他公司
RUSH ENTERPRISES INC \TX\的季度营收约是Primerica, Inc.的2.0倍（$1.7B vs $853.7M），Primerica, Inc.净利率更高（23.1% vs 3.7%，领先19.4%），Primerica, Inc.同比增速更快（11.0% vs -9.0%），过去两年Primerica, Inc.的营收复合增速更高（7.2% vs -6.8%）
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。
Rush Enterprises是总部位于美国得克萨斯州新布朗费尔斯的商用车经销商，核心业务是通过旗下Rush Truck Centers销售全新及二手卡车。2019年该公司在全美20个州运营超200家卡车中心，在加拿大设有14个网点，2020年入选财富500强榜单。
PRI vs RUSHA — 直观对比
营收规模更大
RUSHA
是对方的2.0倍
$853.7M
营收增速更快
PRI
高出20.0%
-9.0%
净利率更高
PRI
高出19.4%
3.7%
两年增速更快
PRI
近两年复合增速
-6.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $1.7B |
| 净利润 | $197.0M | $61.7M |
| 毛利率 | — | 20.4% |
| 营业利润率 | 28.9% | 4.9% |
| 净利率 | 23.1% | 3.7% |
| 营收同比 | 11.0% | -9.0% |
| 净利润同比 | 17.9% | 1.8% |
| 每股收益（稀释后） | $6.11 | $0.77 |
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PRIRUSHA
| Q1 26 | — | $1.7B | ||
| Q4 25 | $853.7M | $1.7B | ||
| Q3 25 | $839.9M | $1.8B | ||
| Q2 25 | $793.3M | $1.8B | ||
| Q1 25 | $804.8M | $1.8B | ||
| Q4 24 | $768.8M | $1.9B | ||
| Q3 24 | $774.1M | $1.8B | ||
| Q2 24 | $803.4M | $1.9B |
净利润PRIRUSHA
| Q1 26 | — | $61.7M | ||
| Q4 25 | $197.0M | $64.3M | ||
| Q3 25 | $206.8M | $66.7M | ||
| Q2 25 | $178.3M | $72.4M | ||
| Q1 25 | $169.1M | $60.3M | ||
| Q4 24 | $167.1M | $74.8M | ||
| Q3 24 | $164.4M | $79.1M | ||
| Q2 24 | $1.2M | $78.7M |
毛利率PRIRUSHA
| Q1 26 | — | 20.4% | ||
| Q4 25 | — | 20.8% | ||
| Q3 25 | — | 21.0% | ||
| Q2 25 | — | 20.7% | ||
| Q1 25 | — | 20.3% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 21.0% | ||
| Q2 24 | 98.0% | 20.2% |
营业利润率PRIRUSHA
| Q1 26 | — | 4.9% | ||
| Q4 25 | 28.9% | 5.5% | ||
| Q3 25 | 32.3% | 5.6% | ||
| Q2 25 | 29.6% | 6.0% | ||
| Q1 25 | 27.5% | 5.2% | ||
| Q4 24 | 64.7% | 5.8% | ||
| Q3 24 | 32.9% | 6.7% | ||
| Q2 24 | 1.0% | 6.4% |
净利率PRIRUSHA
| Q1 26 | — | 3.7% | ||
| Q4 25 | 23.1% | 3.8% | ||
| Q3 25 | 24.6% | 3.7% | ||
| Q2 25 | 22.5% | 3.9% | ||
| Q1 25 | 21.0% | 3.4% | ||
| Q4 24 | 21.7% | 3.9% | ||
| Q3 24 | 21.2% | 4.4% | ||
| Q2 24 | 0.1% | 4.1% |
每股收益（稀释后）PRIRUSHA
| Q1 26 | — | $0.77 | ||
| Q4 25 | $6.11 | $0.81 | ||
| Q3 25 | $6.35 | $0.83 | ||
| Q2 25 | $5.40 | $0.90 | ||
| Q1 25 | $5.05 | $0.73 | ||
| Q4 24 | $4.92 | $-95.13 | ||
| Q3 24 | $4.83 | $0.97 | ||
| Q2 24 | $0.03 | $97.00 |
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 | — |
| 总债务越低越好 | — | $277.8M |
| 股东权益账面价值 | $2.4B | $2.3B |
| 总资产 | $15.0B | $4.5B |
| 负债/权益比越低杠杆越低 | — | 0.12× |
8季度趋势，按日历期对齐
现金及短期投资PRIRUSHA
| Q1 26 | — | — | ||
| Q4 25 | $756.2M | $212.6M | ||
| Q3 25 | $644.9M | $242.0M | ||
| Q2 25 | $621.2M | $211.1M | ||
| Q1 25 | $625.1M | $228.7M | ||
| Q4 24 | $687.8M | $228.1M | ||
| Q3 24 | $550.1M | $185.1M | ||
| Q2 24 | $627.3M | $167.3M |
总债务PRIRUSHA
| Q1 26 | — | $277.8M | ||
| Q4 25 | — | $274.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $408.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益PRIRUSHA
| Q1 26 | — | $2.3B | ||
| Q4 25 | $2.4B | $2.2B | ||
| Q3 25 | $2.3B | $2.2B | ||
| Q2 25 | $2.3B | $2.2B | ||
| Q1 25 | $2.3B | $2.2B | ||
| Q4 24 | $2.3B | $2.1B | ||
| Q3 24 | $1.9B | $2.1B | ||
| Q2 24 | $2.1B | $2.0B |
总资产PRIRUSHA
| Q1 26 | — | $4.5B | ||
| Q4 25 | $15.0B | $4.4B | ||
| Q3 25 | $14.8B | $4.6B | ||
| Q2 25 | $14.8B | $4.7B | ||
| Q1 25 | $14.6B | $4.7B | ||
| Q4 24 | $14.6B | $4.6B | ||
| Q3 24 | $14.8B | $4.6B | ||
| Q2 24 | $14.6B | $4.5B |
负债/权益比PRIRUSHA
| Q1 26 | — | 0.12× | ||
| Q4 25 | — | 0.12× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.19× | ||
| Q3 24 | — | — | ||
| Q2 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 | — |
| 自由现金流经营现金流 - 资本支出 | — | $411.6M |
| 自由现金流率自由现金流/营收 | — | 24.4% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 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 | — | $828.4M |
8季度趋势，按日历期对齐
经营现金流PRIRUSHA
| Q1 26 | — | — | ||
| Q4 25 | $338.2M | $112.9M | ||
| Q3 25 | $202.9M | $367.8M | ||
| Q2 25 | $162.6M | $227.6M | ||
| Q1 25 | $197.5M | $153.5M | ||
| Q4 24 | $270.6M | $392.3M | ||
| Q3 24 | $207.3M | $111.7M | ||
| Q2 24 | $173.3M | $270.6M |
自由现金流PRIRUSHA
| Q1 26 | — | $411.6M | ||
| Q4 25 | — | $31.9M | ||
| Q3 25 | — | $271.2M | ||
| Q2 25 | — | $113.8M | ||
| Q1 25 | — | $45.1M | ||
| Q4 24 | — | $263.5M | ||
| Q3 24 | — | $-20.0M | ||
| Q2 24 | — | $177.2M |
自由现金流率PRIRUSHA
| Q1 26 | — | 24.4% | ||
| Q4 25 | — | 1.9% | ||
| Q3 25 | — | 15.2% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 13.7% | ||
| Q3 24 | — | -1.1% | ||
| Q2 24 | — | 9.1% |
资本支出强度PRIRUSHA
| Q1 26 | — | 2.0% | ||
| Q4 25 | — | 4.8% | ||
| Q3 25 | — | 5.4% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | — | 6.2% | ||
| Q4 24 | — | 6.7% | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | 4.8% |
现金转化率PRIRUSHA
| Q1 26 | — | — | ||
| Q4 25 | 1.72× | 1.75× | ||
| Q3 25 | 0.98× | 5.51× | ||
| Q2 25 | 0.91× | 3.14× | ||
| Q1 25 | 1.17× | 2.55× | ||
| Q4 24 | 1.62× | 5.25× | ||
| Q3 24 | 1.26× | 1.41× | ||
| Q2 24 | 147.98× | 3.44× |
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% |
RUSHA
| New and used commercial vehicle sales | $955.1M | 57% |
| Aftermarket products and services sales | $627.2M | 37% |
| Lease and rental sales | $92.3M | 5% |
| Finance and insurance | $5.6M | 0% |
