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Primerica, Inc.（PRI）与STEWART INFORMATION SERVICES CORP（STC）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STEWART INFORMATION SERVICES CORP的1.1倍（$853.7M vs $764.6M），Primerica, Inc.净利率更高（23.1% vs 2.2%，领先20.9%），STEWART INFORMATION SERVICES CORP同比增速更快（27.7% vs 11.0%），过去两年STEWART INFORMATION SERVICES CORP的营收复合增速更高（12.7% 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。
斯图尔特信息服务公司（STC）是一家主营房地产信息、产权保险及交易管理服务的企业，旗下全资子公司斯图尔特产权担保公司、斯图尔特产权公司通过直营网点、斯图尔特可信供应商网络内的独立代理机构及合作企业，为美国及全球市场提供相关产品与服务，总部位于得克萨斯州休斯敦，现有员工约6350人。
PRI vs STC — 直观对比
营收规模更大
PRI
是对方的1.1倍
$764.6M
营收增速更快
STC
高出16.6%
11.0%
净利率更高
PRI
高出20.9%
2.2%
两年增速更快
STC
近两年复合增速
7.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $764.6M |
| 净利润 | $197.0M | $17.0M |
| 毛利率 | — | — |
| 营业利润率 | 28.9% | — |
| 净利率 | 23.1% | 2.2% |
| 营收同比 | 11.0% | 27.7% |
| 净利润同比 | 17.9% | 448.4% |
| 每股收益（稀释后） | $6.11 | — |
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PRISTC
| Q1 26 | — | $764.6M | ||
| Q4 25 | $853.7M | $790.6M | ||
| Q3 25 | $839.9M | $796.9M | ||
| Q2 25 | $793.3M | $722.2M | ||
| Q1 25 | $804.8M | $612.0M | ||
| Q4 24 | $768.8M | $665.9M | ||
| Q3 24 | $774.1M | $667.9M | ||
| Q2 24 | $803.4M | $602.2M |
净利润PRISTC
| Q1 26 | — | $17.0M | ||
| Q4 25 | $197.0M | $36.3M | ||
| Q3 25 | $206.8M | $44.3M | ||
| Q2 25 | $178.3M | $31.9M | ||
| Q1 25 | $169.1M | $3.1M | ||
| Q4 24 | $167.1M | $22.7M | ||
| Q3 24 | $164.4M | $30.1M | ||
| Q2 24 | $1.2M | $17.3M |
毛利率PRISTC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 98.0% | — |
营业利润率PRISTC
| Q1 26 | — | — | ||
| Q4 25 | 28.9% | 6.5% | ||
| Q3 25 | 32.3% | 7.7% | ||
| Q2 25 | 29.6% | 6.5% | ||
| Q1 25 | 27.5% | 1.0% | ||
| Q4 24 | 64.7% | 5.3% | ||
| Q3 24 | 32.9% | 6.4% | ||
| Q2 24 | 1.0% | 4.8% |
净利率PRISTC
| Q1 26 | — | 2.2% | ||
| Q4 25 | 23.1% | 4.6% | ||
| Q3 25 | 24.6% | 5.6% | ||
| Q2 25 | 22.5% | 4.4% | ||
| Q1 25 | 21.0% | 0.5% | ||
| Q4 24 | 21.7% | 3.4% | ||
| Q3 24 | 21.2% | 4.5% | ||
| Q2 24 | 0.1% | 2.9% |
每股收益（稀释后）PRISTC
| Q1 26 | — | — | ||
| Q4 25 | $6.11 | $1.26 | ||
| Q3 25 | $6.35 | $1.55 | ||
| Q2 25 | $5.40 | $1.13 | ||
| Q1 25 | $5.05 | $0.11 | ||
| Q4 24 | $4.92 | $0.81 | ||
| Q3 24 | $4.83 | $1.07 | ||
| Q2 24 | $0.03 | $0.62 |
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 | $317.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.4B | — |
| 总资产 | $15.0B | — |
| 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PRISTC
| Q1 26 | — | $317.5M | ||
| Q4 25 | $756.2M | $369.7M | ||
| Q3 25 | $644.9M | $233.2M | ||
| Q2 25 | $621.2M | $223.8M | ||
| Q1 25 | $625.1M | $194.2M | ||
| Q4 24 | $687.8M | $257.5M | ||
| Q3 24 | $550.1M | $228.7M | ||
| Q2 24 | $627.3M | $176.7M |
总债务PRISTC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $445.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益PRISTC
| Q1 26 | — | — | ||
| Q4 25 | $2.4B | $1.6B | ||
| Q3 25 | $2.3B | $1.5B | ||
| Q2 25 | $2.3B | $1.4B | ||
| Q1 25 | $2.3B | $1.4B | ||
| Q4 24 | $2.3B | $1.4B | ||
| Q3 24 | $1.9B | $1.4B | ||
| Q2 24 | $2.1B | $1.4B |
总资产PRISTC
| Q1 26 | — | — | ||
| Q4 25 | $15.0B | $3.3B | ||
| Q3 25 | $14.8B | $2.8B | ||
| Q2 25 | $14.8B | $2.8B | ||
| Q1 25 | $14.6B | $2.7B | ||
| Q4 24 | $14.6B | $2.7B | ||
| Q3 24 | $14.8B | $2.7B | ||
| Q2 24 | $14.6B | $2.6B |
负债/权益比PRISTC
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.32× | ||
| 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 | — | — |
| 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× | — |
| 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PRISTC
| Q1 26 | — | — | ||
| Q4 25 | $338.2M | $89.5M | ||
| Q3 25 | $202.9M | $92.6M | ||
| Q2 25 | $162.6M | $53.4M | ||
| Q1 25 | $197.5M | $-29.9M | ||
| Q4 24 | $270.6M | $68.0M | ||
| Q3 24 | $207.3M | $76.1M | ||
| Q2 24 | $173.3M | $21.1M |
自由现金流PRISTC
| Q1 26 | — | — | ||
| Q4 25 | — | $62.3M | ||
| Q3 25 | — | $73.6M | ||
| Q2 25 | — | $38.7M | ||
| Q1 25 | — | $-42.2M | ||
| Q4 24 | — | $55.6M | ||
| Q3 24 | — | $67.4M | ||
| Q2 24 | — | $11.9M |
自由现金流率PRISTC
| Q1 26 | — | — | ||
| Q4 25 | — | 7.9% | ||
| Q3 25 | — | 9.2% | ||
| Q2 25 | — | 5.4% | ||
| Q1 25 | — | -6.9% | ||
| Q4 24 | — | 8.4% | ||
| Q3 24 | — | 10.1% | ||
| Q2 24 | — | 2.0% |
资本支出强度PRISTC
| Q1 26 | — | — | ||
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 2.4% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 1.5% |
现金转化率PRISTC
| Q1 26 | — | — | ||
| Q4 25 | 1.72× | 2.47× | ||
| Q3 25 | 0.98× | 2.09× | ||
| Q2 25 | 0.91× | 1.67× | ||
| Q1 25 | 1.17× | -9.73× | ||
| Q4 24 | 1.62× | 2.99× | ||
| Q3 24 | 1.26× | 2.53× | ||
| Q2 24 | 147.98× | 1.22× |
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% |
STC
| Agency title | $333.0M | 44% |
| Direct title | $270.2M | 35% |
| Real estate solutions | $161.4M | 21% |
