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Primerica, Inc.（PRI）与RXO, Inc.（RXO）财务数据对比。点击上方公司名可切换其他公司
RXO, Inc.的季度营收约是Primerica, Inc.的1.7倍（$1.5B vs $853.7M），Primerica, Inc.净利率更高（23.1% vs -3.1%，领先26.2%），Primerica, Inc.同比增速更快（11.0% vs -11.9%），过去两年RXO, Inc.的营收复合增速更高（26.8% vs 7.2%）
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。
RXO是总部位于美国的头部运输及物流解决方案供应商，核心业务覆盖货运经纪、大件商品最后一公里配送、运输管理服务与全链路供应链优化支持，主要服务北美制造业、零售业及电商领域的客户。
PRI vs RXO — 直观对比
营收规模更大
RXO
是对方的1.7倍
$853.7M
营收增速更快
PRI
高出22.9%
-11.9%
净利率更高
PRI
高出26.2%
-3.1%
两年增速更快
RXO
近两年复合增速
7.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $1.5B |
| 净利润 | $197.0M | $-46.0M |
| 毛利率 | — | — |
| 营业利润率 | 28.9% | -2.9% |
| 净利率 | 23.1% | -3.1% |
| 营收同比 | 11.0% | -11.9% |
| 净利润同比 | 17.9% | -84.0% |
| 每股收益（稀释后） | $6.11 | $-0.28 |
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PRIRXO
| Q4 25 | $853.7M | $1.5B | ||
| Q3 25 | $839.9M | $1.4B | ||
| Q2 25 | $793.3M | $1.4B | ||
| Q1 25 | $804.8M | $1.4B | ||
| Q4 24 | $768.8M | $1.7B | ||
| Q3 24 | $774.1M | $1.0B | ||
| Q2 24 | $803.4M | $930.0M | ||
| Q1 24 | $742.8M | $913.0M |
净利润PRIRXO
| Q4 25 | $197.0M | $-46.0M | ||
| Q3 25 | $206.8M | $-14.0M | ||
| Q2 25 | $178.3M | $-9.0M | ||
| Q1 25 | $169.1M | $-31.0M | ||
| Q4 24 | $167.1M | $-25.0M | ||
| Q3 24 | $164.4M | $-243.0M | ||
| Q2 24 | $1.2M | $-7.0M | ||
| Q1 24 | $137.9M | $-15.0M |
毛利率PRIRXO
| 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PRIRXO
| Q4 25 | 28.9% | -2.9% | ||
| Q3 25 | 32.3% | -0.5% | ||
| Q2 25 | 29.6% | — | ||
| Q1 25 | 27.5% | -2.1% | ||
| Q4 24 | 64.7% | -1.4% | ||
| Q3 24 | 32.9% | -1.9% | ||
| Q2 24 | 1.0% | — | ||
| Q1 24 | 24.1% | -1.3% |
净利率PRIRXO
| Q4 25 | 23.1% | -3.1% | ||
| Q3 25 | 24.6% | -1.0% | ||
| Q2 25 | 22.5% | -0.6% | ||
| Q1 25 | 21.0% | -2.2% | ||
| Q4 24 | 21.7% | -1.5% | ||
| Q3 24 | 21.2% | -23.4% | ||
| Q2 24 | 0.1% | -0.8% | ||
| Q1 24 | 18.6% | -1.6% |
每股收益（稀释后）PRIRXO
| Q4 25 | $6.11 | $-0.28 | ||
| Q3 25 | $6.35 | $-0.08 | ||
| Q2 25 | $5.40 | $-0.05 | ||
| Q1 25 | $5.05 | $-0.18 | ||
| Q4 24 | $4.92 | $-0.17 | ||
| Q3 24 | $4.83 | $-1.81 | ||
| Q2 24 | $0.03 | $-0.06 | ||
| Q1 24 | $3.93 | $-0.13 |
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 | $17.0M |
| 总债务越低越好 | — | $387.0M |
| 股东权益账面价值 | $2.4B | $1.5B |
| 总资产 | $15.0B | $3.3B |
| 负债/权益比越低杠杆越低 | — | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资PRIRXO
| Q4 25 | $756.2M | $17.0M | ||
| Q3 25 | $644.9M | $25.0M | ||
| Q2 25 | $621.2M | $18.0M | ||
| Q1 25 | $625.1M | $16.0M | ||
| Q4 24 | $687.8M | $35.0M | ||
| Q3 24 | $550.1M | $55.0M | ||
| Q2 24 | $627.3M | $7.0M | ||
| Q1 24 | $593.4M | $7.0M |
总债务PRIRXO
| Q4 25 | — | $387.0M | ||
| Q3 25 | — | $387.0M | ||
| Q2 25 | — | $387.0M | ||
| Q1 25 | — | $387.0M | ||
| Q4 24 | — | $351.0M | ||
| Q3 24 | — | $352.0M | ||
| Q2 24 | — | $370.0M | ||
| Q1 24 | — | $351.0M |
股东权益PRIRXO
| Q4 25 | $2.4B | $1.5B | ||
| Q3 25 | $2.3B | $1.6B | ||
| Q2 25 | $2.3B | $1.6B | ||
| Q1 25 | $2.3B | $1.6B | ||
| Q4 24 | $2.3B | $1.6B | ||
| Q3 24 | $1.9B | $1.7B | ||
| Q2 24 | $2.1B | $579.0M | ||
| Q1 24 | $2.2B | $582.0M |
总资产PRIRXO
| Q4 25 | $15.0B | $3.3B | ||
| Q3 25 | $14.8B | $3.2B | ||
| Q2 25 | $14.8B | $3.2B | ||
| Q1 25 | $14.6B | $3.3B | ||
| Q4 24 | $14.6B | $3.4B | ||
| Q3 24 | $14.8B | $3.4B | ||
| Q2 24 | $14.6B | $1.8B | ||
| Q1 24 | $14.9B | $1.8B |
负债/权益比PRIRXO
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.24× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.60× |
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 | $7.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-9.0M |
| 自由现金流率自由现金流/营收 | — | -0.6% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 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 | — | $-8.0M |
8季度趋势，按日历期对齐
经营现金流PRIRXO
| Q4 25 | $338.2M | $7.0M | ||
| Q3 25 | $202.9M | $23.0M | ||
| Q2 25 | $162.6M | $23.0M | ||
| Q1 25 | $197.5M | $-2.0M | ||
| Q4 24 | $270.6M | $-7.0M | ||
| Q3 24 | $207.3M | $-7.0M | ||
| Q2 24 | $173.3M | $-5.0M | ||
| Q1 24 | $210.9M | $7.0M |
自由现金流PRIRXO
| Q4 25 | — | $-9.0M | ||
| Q3 25 | — | $9.0M | ||
| Q2 25 | — | $9.0M | ||
| Q1 25 | — | $-17.0M | ||
| Q4 24 | — | $-19.0M | ||
| Q3 24 | — | $-18.0M | ||
| Q2 24 | — | $-16.0M | ||
| Q1 24 | — | $-4.0M |
自由现金流率PRIRXO
| Q4 25 | — | -0.6% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | -1.2% | ||
| Q4 24 | — | -1.1% | ||
| Q3 24 | — | -1.7% | ||
| Q2 24 | — | -1.7% | ||
| Q1 24 | — | -0.4% |
资本支出强度PRIRXO
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 1.0% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.2% |
现金转化率PRIRXO
| Q4 25 | 1.72× | — | ||
| Q3 25 | 0.98× | — | ||
| Q2 25 | 0.91× | — | ||
| Q1 25 | 1.17× | — | ||
| Q4 24 | 1.62× | — | ||
| Q3 24 | 1.26× | — | ||
| Q2 24 | 147.98× | — | ||
| 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% |
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
