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Primerica, Inc.（PRI）与SiriusPoint Ltd（SPNT）财务数据对比。点击上方公司名可切换其他公司
SiriusPoint Ltd的季度营收约是Primerica, Inc.的1.1倍（$973.7M vs $853.7M），SiriusPoint Ltd净利率更高（25.1% vs 23.1%，领先2.0%），SiriusPoint Ltd同比增速更快（58.9% vs 11.0%），过去两年SiriusPoint Ltd的营收复合增速更高（19.2% 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。
SiriusPoint Ltd是一家总部位于百慕大彭布罗克的全球特种保险及再保险服务商，提供财产险、意外险、特种险种保障及另类资本解决方案，服务覆盖北美、欧洲、亚太等市场的商业客户与风险承担方，注重严谨核保与稳定的风险调整收益。
PRI vs SPNT — 直观对比
营收规模更大
SPNT
是对方的1.1倍
$853.7M
营收增速更快
SPNT
高出47.9%
11.0%
净利率更高
SPNT
高出2.0%
23.1%
两年增速更快
SPNT
近两年复合增速
7.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $973.7M |
| 净利润 | $197.0M | $244.1M |
| 毛利率 | — | — |
| 营业利润率 | 28.9% | 28.8% |
| 净利率 | 23.1% | 25.1% |
| 营收同比 | 11.0% | 58.9% |
| 净利润同比 | 17.9% | 1535.9% |
| 每股收益（稀释后） | $6.11 | $1.92 |
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PRISPNT
| Q4 25 | $853.7M | $973.7M | ||
| Q3 25 | $839.9M | $755.9M | ||
| Q2 25 | $793.3M | $748.2M | ||
| Q1 25 | $804.8M | $727.3M | ||
| Q4 24 | $768.8M | $612.8M | ||
| Q3 24 | $774.1M | $562.2M | ||
| Q2 24 | $803.4M | $743.3M | ||
| Q1 24 | $742.8M | $685.5M |
净利润PRISPNT
| Q4 25 | $197.0M | $244.1M | ||
| Q3 25 | $206.8M | $90.8M | ||
| Q2 25 | $178.3M | $63.2M | ||
| Q1 25 | $169.1M | $61.6M | ||
| Q4 24 | $167.1M | $-17.0M | ||
| Q3 24 | $164.4M | $8.5M | ||
| Q2 24 | $1.2M | $113.9M | ||
| Q1 24 | $137.9M | $94.8M |
毛利率PRISPNT
| 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PRISPNT
| Q4 25 | 28.9% | 28.8% | ||
| Q3 25 | 32.3% | 14.7% | ||
| Q2 25 | 29.6% | 10.0% | ||
| Q1 25 | 27.5% | 10.4% | ||
| Q4 24 | 64.7% | -2.1% | ||
| Q3 24 | 32.9% | 2.0% | ||
| Q2 24 | 1.0% | 17.4% | ||
| Q1 24 | 24.1% | 15.4% |
净利率PRISPNT
| Q4 25 | 23.1% | 25.1% | ||
| Q3 25 | 24.6% | 12.0% | ||
| Q2 25 | 22.5% | 8.4% | ||
| Q1 25 | 21.0% | 8.5% | ||
| Q4 24 | 21.7% | -2.8% | ||
| Q3 24 | 21.2% | 1.5% | ||
| Q2 24 | 0.1% | 15.3% | ||
| Q1 24 | 18.6% | 13.8% |
每股收益（稀释后）PRISPNT
| Q4 25 | $6.11 | $1.92 | ||
| Q3 25 | $6.35 | $0.73 | ||
| Q2 25 | $5.40 | $0.50 | ||
| Q1 25 | $5.05 | $0.49 | ||
| Q4 24 | $4.92 | $-0.05 | ||
| Q3 24 | $4.83 | $0.03 | ||
| Q2 24 | $0.03 | $0.57 | ||
| Q1 24 | $3.93 | $0.49 |
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 | $731.2M |
| 总债务越低越好 | — | $688.6M |
| 股东权益账面价值 | $2.4B | $2.5B |
| 总资产 | $15.0B | $12.6B |
| 负债/权益比越低杠杆越低 | — | 0.28× |
8季度趋势，按日历期对齐
现金及短期投资PRISPNT
| Q4 25 | $756.2M | $731.2M | ||
| Q3 25 | $644.9M | $582.4M | ||
| Q2 25 | $621.2M | $732.4M | ||
| Q1 25 | $625.1M | $740.3M | ||
| Q4 24 | $687.8M | $682.0M | ||
| Q3 24 | $550.1M | $640.7M | ||
| Q2 24 | $627.3M | $598.1M | ||
| Q1 24 | $593.4M | $867.5M |
总债务PRISPNT
| Q4 25 | — | $688.6M | ||
| Q3 25 | — | $682.5M | ||
| Q2 25 | — | $678.4M | ||
| Q1 25 | — | $663.5M | ||
| Q4 24 | — | $639.1M | ||
| Q3 24 | — | $660.5M | ||
| Q2 24 | — | $648.6M | ||
| Q1 24 | — | $770.6M |
股东权益PRISPNT
| Q4 25 | $2.4B | $2.5B | ||
| Q3 25 | $2.3B | $2.2B | ||
| Q2 25 | $2.3B | $2.1B | ||
| Q1 25 | $2.3B | $2.0B | ||
| Q4 24 | $2.3B | $1.9B | ||
| Q3 24 | $1.9B | $2.7B | ||
| Q2 24 | $2.1B | $2.7B | ||
| Q1 24 | $2.2B | $2.6B |
总资产PRISPNT
| Q4 25 | $15.0B | $12.6B | ||
| Q3 25 | $14.8B | $12.5B | ||
| Q2 25 | $14.8B | $12.4B | ||
| Q1 25 | $14.6B | $12.3B | ||
| Q4 24 | $14.6B | $12.5B | ||
| Q3 24 | $14.8B | $12.7B | ||
| Q2 24 | $14.6B | $12.8B | ||
| Q1 24 | $14.9B | $13.1B |
负债/权益比PRISPNT
| Q4 25 | — | 0.28× | ||
| Q3 25 | — | 0.31× | ||
| Q2 25 | — | 0.32× | ||
| Q1 25 | — | 0.33× | ||
| Q4 24 | — | 0.33× | ||
| Q3 24 | — | 0.25× | ||
| Q2 24 | — | 0.24× | ||
| Q1 24 | — | 0.30× |
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 | $-26.4M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 1.72× | -0.11× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流PRISPNT
| Q4 25 | $338.2M | $-26.4M | ||
| Q3 25 | $202.9M | $155.6M | ||
| Q2 25 | $162.6M | $62.1M | ||
| Q1 25 | $197.5M | $-88.9M | ||
| Q4 24 | $270.6M | $107.7M | ||
| Q3 24 | $207.3M | $58.1M | ||
| Q2 24 | $173.3M | $-149.9M | ||
| Q1 24 | $210.9M | $58.8M |
现金转化率PRISPNT
| Q4 25 | 1.72× | -0.11× | ||
| Q3 25 | 0.98× | 1.71× | ||
| Q2 25 | 0.91× | 0.98× | ||
| Q1 25 | 1.17× | -1.44× | ||
| Q4 24 | 1.62× | — | ||
| Q3 24 | 1.26× | 6.84× | ||
| Q2 24 | 147.98× | -1.32× | ||
| Q1 24 | 1.53× | 0.62× |
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% |
SPNT
暂无分部数据
