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Primerica, Inc.（PRI）与SIGNET JEWELERS LTD（SIG）财务数据对比。点击上方公司名可切换其他公司
SIGNET JEWELERS LTD的季度营收约是Primerica, Inc.的1.6倍（$1.4B vs $853.7M），Primerica, Inc.净利率更高（23.1% vs 1.4%，领先21.6%），Primerica, Inc.同比增速更快（11.0% vs 3.1%），过去两年Primerica, Inc.的营收复合增速更高（7.2% vs -25.4%）
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。
Signet Jewelers是全球最大的钻石珠宝零售商，注册地位于百慕大，总部设在美国俄亥俄州阿克伦的费尔劳恩郊区，在纽约证券交易所上市。公司主打中端珠宝市场，旗下拥有Blue Nile、Zales、Kay等知名品牌，在美国、加拿大、英国的专业珠宝市场均占据龙头地位，部分品牌布局中高端赛道。
PRI vs SIG — 直观对比
营收规模更大
SIG
是对方的1.6倍
$853.7M
营收增速更快
PRI
高出7.9%
3.1%
净利率更高
PRI
高出21.6%
1.4%
两年增速更快
PRI
近两年复合增速
-25.4%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $1.4B |
| 净利润 | $197.0M | $20.0M |
| 毛利率 | — | 37.3% |
| 营业利润率 | 28.9% | 1.7% |
| 净利率 | 23.1% | 1.4% |
| 营收同比 | 11.0% | 3.1% |
| 净利润同比 | 17.9% | 185.7% |
| 每股收益（稀释后） | $6.11 | $0.49 |
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PRISIG
| Q4 25 | $853.7M | $1.4B | ||
| Q3 25 | $839.9M | $1.5B | ||
| Q2 25 | $793.3M | $1.5B | ||
| Q1 25 | $804.8M | $2.4B | ||
| Q4 24 | $768.8M | $1.3B | ||
| Q3 24 | $774.1M | $1.5B | ||
| Q2 24 | $803.4M | $1.5B | ||
| Q1 24 | $742.8M | $2.5B |
净利润PRISIG
| Q4 25 | $197.0M | $20.0M | ||
| Q3 25 | $206.8M | $-9.1M | ||
| Q2 25 | $178.3M | $33.5M | ||
| Q1 25 | $169.1M | $100.6M | ||
| Q4 24 | $167.1M | $7.0M | ||
| Q3 24 | $164.4M | $-98.5M | ||
| Q2 24 | $1.2M | $52.1M | ||
| Q1 24 | $137.9M | $626.2M |
毛利率PRISIG
| Q4 25 | — | 37.3% | ||
| Q3 25 | — | 38.6% | ||
| Q2 25 | — | 38.8% | ||
| Q1 25 | — | 42.6% | ||
| Q4 24 | — | 36.0% | ||
| Q3 24 | — | 38.0% | ||
| Q2 24 | 98.0% | 37.9% | ||
| Q1 24 | 98.2% | 43.3% |
营业利润率PRISIG
| Q4 25 | 28.9% | 1.7% | ||
| Q3 25 | 32.3% | 0.2% | ||
| Q2 25 | 29.6% | 3.1% | ||
| Q1 25 | 27.5% | 6.5% | ||
| Q4 24 | 64.7% | 0.7% | ||
| Q3 24 | 32.9% | -6.8% | ||
| Q2 24 | 1.0% | 3.3% | ||
| Q1 24 | 24.1% | 16.7% |
净利率PRISIG
| Q4 25 | 23.1% | 1.4% | ||
| Q3 25 | 24.6% | -0.6% | ||
| Q2 25 | 22.5% | 2.2% | ||
| Q1 25 | 21.0% | 4.3% | ||
| Q4 24 | 21.7% | 0.5% | ||
| Q3 24 | 21.2% | -6.6% | ||
| Q2 24 | 0.1% | 3.4% | ||
| Q1 24 | 18.6% | 25.1% |
每股收益（稀释后）PRISIG
| Q4 25 | $6.11 | $0.49 | ||
| Q3 25 | $6.35 | $-0.22 | ||
| Q2 25 | $5.40 | $0.78 | ||
| Q1 25 | $5.05 | $2.25 | ||
| Q4 24 | $4.92 | $0.12 | ||
| Q3 24 | $4.83 | $-2.28 | ||
| Q2 24 | $0.03 | $-0.90 | ||
| Q1 24 | $3.93 | $11.77 |
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 | $234.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.4B | $1.7B |
| 总资产 | $15.0B | $5.4B |
| 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PRISIG
| Q4 25 | $756.2M | $234.7M | ||
| Q3 25 | $644.9M | $281.4M | ||
| Q2 25 | $621.2M | $264.1M | ||
| Q1 25 | $625.1M | $604.0M | ||
| Q4 24 | $687.8M | $157.7M | ||
| Q3 24 | $550.1M | $403.1M | ||
| Q2 24 | $627.3M | $729.3M | ||
| Q1 24 | $593.4M | $1.4B |
股东权益PRISIG
| Q4 25 | $2.4B | $1.7B | ||
| Q3 25 | $2.3B | $1.7B | ||
| Q2 25 | $2.3B | $1.8B | ||
| Q1 25 | $2.3B | $1.9B | ||
| Q4 24 | $2.3B | $1.8B | ||
| Q3 24 | $1.9B | $1.9B | ||
| Q2 24 | $2.1B | $2.1B | ||
| Q1 24 | $2.2B | $2.2B |
总资产PRISIG
| Q4 25 | $15.0B | $5.4B | ||
| Q3 25 | $14.8B | $5.3B | ||
| Q2 25 | $14.8B | $5.5B | ||
| Q1 25 | $14.6B | $5.7B | ||
| Q4 24 | $14.6B | $5.7B | ||
| Q3 24 | $14.8B | $5.6B | ||
| Q2 24 | $14.6B | $6.2B | ||
| Q1 24 | $14.9B | $6.8B |
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 | $31.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.5M |
| 自由现金流率自由现金流/营收 | — | -0.1% |
| 资本支出强度资本支出/营收 | — | 2.3% |
| 现金转化率经营现金流/净利润 | 1.72× | 1.55× |
| 过去12个月自由现金流最近4个季度 | — | $591.0M |
8季度趋势，按日历期对齐
经营现金流PRISIG
| Q4 25 | $338.2M | $31.0M | ||
| Q3 25 | $202.9M | $86.3M | ||
| Q2 25 | $162.6M | $-175.3M | ||
| Q1 25 | $197.5M | $780.7M | ||
| Q4 24 | $270.6M | $-75.4M | ||
| Q3 24 | $207.3M | $43.8M | ||
| Q2 24 | $173.3M | $-158.2M | ||
| Q1 24 | $210.9M | $752.2M |
自由现金流PRISIG
| Q4 25 | — | $-1.5M | ||
| Q3 25 | — | $62.3M | ||
| Q2 25 | — | $-211.9M | ||
| Q1 25 | — | $742.1M | ||
| Q4 24 | — | $-138.5M | ||
| Q3 24 | — | $15.8M | ||
| Q2 24 | — | $-181.5M | ||
| Q1 24 | — | $716.1M |
自由现金流率PRISIG
| Q4 25 | — | -0.1% | ||
| Q3 25 | — | 4.1% | ||
| Q2 25 | — | -13.7% | ||
| Q1 25 | — | 31.5% | ||
| Q4 24 | — | -10.3% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | -12.0% | ||
| Q1 24 | — | 28.7% |
资本支出强度PRISIG
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 4.7% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | 1.4% |
现金转化率PRISIG
| Q4 25 | 1.72× | 1.55× | ||
| Q3 25 | 0.98× | — | ||
| Q2 25 | 0.91× | -5.23× | ||
| Q1 25 | 1.17× | 7.76× | ||
| Q4 24 | 1.62× | -10.77× | ||
| Q3 24 | 1.26× | — | ||
| Q2 24 | 147.98× | -3.04× | ||
| Q1 24 | 1.53× | 1.20× |
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% |
SIG
| Other | $571.9M | 41% |
| Zale Jewelry | $243.4M | 17% |
| Extended Service Plan | $129.6M | 9% |
| Diamonds Direct | $87.9M | 6% |
| Blue Nile | $74.3M | 5% |
| Extended Service Plan And Other Deferred Revenue | $69.9M | 5% |
| Banter By Piercing Pagoda | $69.2M | 5% |
| Watches | $48.7M | 3% |
| Peoples | $42.2M | 3% |
| James Allen | $27.8M | 2% |
