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Primerica, Inc.（PRI）与Rackspace Technology, Inc.（RXT）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Rackspace Technology, Inc.的1.3倍（$853.7M vs $682.8M），Primerica, Inc.净利率更高（23.1% vs -4.8%，领先27.9%），Primerica, Inc.同比增速更快（11.0% vs -0.4%），过去两年Primerica, Inc.的营收复合增速更高（7.2% vs -0.6%）
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。
Rackspace Technology, Inc.是总部位于美国得克萨斯州圣安东尼奥的云计算企业，在弗吉尼亚州雷斯顿以及澳大利亚、加拿大、英国、印度、迪拜、瑞士、荷兰、德国、新加坡、墨西哥、中国香港等多个国家和地区设有办事处，数据中心分布于全球多个主要城市，为客户提供专业的云计算相关服务。
PRI vs RXT — 直观对比
营收规模更大
PRI
是对方的1.3倍
$682.8M
营收增速更快
PRI
高出11.4%
-0.4%
净利率更高
PRI
高出27.9%
-4.8%
两年增速更快
PRI
近两年复合增速
-0.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $682.8M |
| 净利润 | $197.0M | $-32.7M |
| 毛利率 | — | 17.6% |
| 营业利润率 | 28.9% | -0.5% |
| 净利率 | 23.1% | -4.8% |
| 营收同比 | 11.0% | -0.4% |
| 净利润同比 | 17.9% | 41.6% |
| 每股收益（稀释后） | $6.11 | $-0.13 |
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PRIRXT
| Q4 25 | $853.7M | $682.8M | ||
| Q3 25 | $839.9M | $671.2M | ||
| Q2 25 | $793.3M | $666.3M | ||
| Q1 25 | $804.8M | $665.4M | ||
| Q4 24 | $768.8M | $685.6M | ||
| Q3 24 | $774.1M | $675.8M | ||
| Q2 24 | $803.4M | $684.9M | ||
| Q1 24 | $742.8M | $690.8M |
净利润PRIRXT
| Q4 25 | $197.0M | $-32.7M | ||
| Q3 25 | $206.8M | $-67.1M | ||
| Q2 25 | $178.3M | $-54.5M | ||
| Q1 25 | $169.1M | $-71.5M | ||
| Q4 24 | $167.1M | $-56.0M | ||
| Q3 24 | $164.4M | $-186.6M | ||
| Q2 24 | $1.2M | $25.0M | ||
| Q1 24 | $137.9M | $-640.6M |
毛利率PRIRXT
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 19.4% | ||
| Q2 25 | — | 19.4% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 19.2% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | 98.0% | 19.2% | ||
| Q1 24 | 98.2% | 19.2% |
营业利润率PRIRXT
| Q4 25 | 28.9% | -0.5% | ||
| Q3 25 | 32.3% | -5.1% | ||
| Q2 25 | 29.6% | -3.8% | ||
| Q1 25 | 27.5% | -5.8% | ||
| Q4 24 | 64.7% | -4.2% | ||
| Q3 24 | 32.9% | -25.7% | ||
| Q2 24 | 1.0% | -7.9% | ||
| Q1 24 | 24.1% | -94.5% |
净利率PRIRXT
| Q4 25 | 23.1% | -4.8% | ||
| Q3 25 | 24.6% | -10.0% | ||
| Q2 25 | 22.5% | -8.2% | ||
| Q1 25 | 21.0% | -10.7% | ||
| Q4 24 | 21.7% | -8.2% | ||
| Q3 24 | 21.2% | -27.6% | ||
| Q2 24 | 0.1% | 3.7% | ||
| Q1 24 | 18.6% | -92.7% |
每股收益（稀释后）PRIRXT
| Q4 25 | $6.11 | $-0.13 | ||
| Q3 25 | $6.35 | $-0.28 | ||
| Q2 25 | $5.40 | $-0.23 | ||
| Q1 25 | $5.05 | $-0.31 | ||
| Q4 24 | $4.92 | $-0.20 | ||
| Q3 24 | $4.83 | $-0.82 | ||
| Q2 24 | $0.03 | $0.11 | ||
| Q1 24 | $3.93 | $-2.91 |
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 | $105.8M |
| 总债务越低越好 | — | $2.7B |
| 股东权益账面价值 | $2.4B | $-1.2B |
| 总资产 | $15.0B | $2.8B |
| 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PRIRXT
| Q4 25 | $756.2M | $105.8M | ||
| Q3 25 | $644.9M | $99.5M | ||
| Q2 25 | $621.2M | $103.9M | ||
| Q1 25 | $625.1M | $128.0M | ||
| Q4 24 | $687.8M | $144.0M | ||
| Q3 24 | $550.1M | $157.1M | ||
| Q2 24 | $627.3M | $190.2M | ||
| Q1 24 | $593.4M | $282.6M |
总债务PRIRXT
| Q4 25 | — | $2.7B | ||
| Q3 25 | — | $2.8B | ||
| Q2 25 | — | $2.8B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | — | $2.8B | ||
| Q3 24 | — | $2.8B | ||
| Q2 24 | — | $2.9B | ||
| Q1 24 | — | $3.0B |
股东权益PRIRXT
| Q4 25 | $2.4B | $-1.2B | ||
| Q3 25 | $2.3B | $-1.2B | ||
| Q2 25 | $2.3B | $-1.1B | ||
| Q1 25 | $2.3B | $-1.1B | ||
| Q4 24 | $2.3B | $-1.0B | ||
| Q3 24 | $1.9B | $-949.7M | ||
| Q2 24 | $2.1B | $-756.2M | ||
| Q1 24 | $2.2B | $-787.2M |
总资产PRIRXT
| Q4 25 | $15.0B | $2.8B | ||
| Q3 25 | $14.8B | $2.8B | ||
| Q2 25 | $14.8B | $2.9B | ||
| Q1 25 | $14.6B | $3.0B | ||
| Q4 24 | $14.6B | $3.1B | ||
| Q3 24 | $14.8B | $3.1B | ||
| Q2 24 | $14.6B | $3.4B | ||
| Q1 24 | $14.9B | $3.5B |
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 | $59.7M |
| 自由现金流经营现金流 - 资本支出 | — | $56.0M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 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 | — | $90.6M |
8季度趋势，按日历期对齐
经营现金流PRIRXT
| Q4 25 | $338.2M | $59.7M | ||
| Q3 25 | $202.9M | $70.7M | ||
| Q2 25 | $162.6M | $8.4M | ||
| Q1 25 | $197.5M | $12.6M | ||
| Q4 24 | $270.6M | $54.3M | ||
| Q3 24 | $207.3M | $51.8M | ||
| Q2 24 | $173.3M | $24.1M | ||
| Q1 24 | $210.9M | $-90.3M |
自由现金流PRIRXT
| Q4 25 | — | $56.0M | ||
| Q3 25 | — | $42.7M | ||
| Q2 25 | — | $-12.4M | ||
| Q1 25 | — | $4.3M | ||
| Q4 24 | — | $34.4M | ||
| Q3 24 | — | $27.3M | ||
| Q2 24 | — | $-14.5M | ||
| Q1 24 | — | $-118.4M |
自由现金流率PRIRXT
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | 6.4% | ||
| Q2 25 | — | -1.9% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 5.0% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | -2.1% | ||
| Q1 24 | — | -17.1% |
资本支出强度PRIRXT
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 4.2% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 3.6% | ||
| Q2 24 | — | 5.6% | ||
| Q1 24 | — | 4.1% |
现金转化率PRIRXT
| 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× | 0.96× | ||
| 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% |
RXT
| Public Cloud Services Segment | $442.2M | 65% |
| Private Cloud Service Segment | $240.6M | 35% |
