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Primerica, Inc.（PRI）与泰瑞达（TER）财务数据对比。点击上方公司名可切换其他公司
泰瑞达的季度营收约是Primerica, Inc.的1.3倍（$1.1B vs $853.7M），泰瑞达净利率更高（23.7% vs 23.1%，领先0.7%），泰瑞达同比增速更快（43.9% vs 11.0%），过去两年泰瑞达的营收复合增速更高（34.4% 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。
泰瑞达是总部位于美国马萨诸塞州北雷丁的自动测试设备（ATE）设计及制造企业，在全球半导体测试领域拥有深厚技术积累，服务的知名客户涵盖三星、高通、英特尔、亚德诺、德州仪器、IBM等行业头部企业。
PRI vs TER — 直观对比
营收规模更大
TER
是对方的1.3倍
$853.7M
营收增速更快
TER
高出32.9%
11.0%
净利率更高
TER
高出0.7%
23.1%
两年增速更快
TER
近两年复合增速
7.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $1.1B |
| 净利润 | $197.0M | $257.2M |
| 毛利率 | — | 57.2% |
| 营业利润率 | 28.9% | 27.1% |
| 净利率 | 23.1% | 23.7% |
| 营收同比 | 11.0% | 43.9% |
| 净利润同比 | 17.9% | 75.9% |
| 每股收益（稀释后） | $6.11 | $1.62 |
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PRITER
| Q4 25 | $853.7M | $1.1B | ||
| Q3 25 | $839.9M | $769.2M | ||
| Q2 25 | $793.3M | $651.8M | ||
| Q1 25 | $804.8M | $685.7M | ||
| Q4 24 | $768.8M | $752.9M | ||
| Q3 24 | $774.1M | $737.3M | ||
| Q2 24 | $803.4M | $729.9M | ||
| Q1 24 | $742.8M | $599.8M |
净利润PRITER
| Q4 25 | $197.0M | $257.2M | ||
| Q3 25 | $206.8M | $119.6M | ||
| Q2 25 | $178.3M | $78.4M | ||
| Q1 25 | $169.1M | $98.9M | ||
| Q4 24 | $167.1M | $146.3M | ||
| Q3 24 | $164.4M | $145.6M | ||
| Q2 24 | $1.2M | $186.3M | ||
| Q1 24 | $137.9M | $64.2M |
毛利率PRITER
| Q4 25 | — | 57.2% | ||
| Q3 25 | — | 58.4% | ||
| Q2 25 | — | 57.2% | ||
| Q1 25 | — | 60.6% | ||
| Q4 24 | — | 59.4% | ||
| Q3 24 | — | 59.2% | ||
| Q2 24 | 98.0% | 58.3% | ||
| Q1 24 | 98.2% | 56.6% |
营业利润率PRITER
| Q4 25 | 28.9% | 27.1% | ||
| Q3 25 | 32.3% | 18.9% | ||
| Q2 25 | 29.6% | 13.9% | ||
| Q1 25 | 27.5% | 17.6% | ||
| Q4 24 | 64.7% | 20.4% | ||
| Q3 24 | 32.9% | 20.6% | ||
| Q2 24 | 1.0% | 28.8% | ||
| Q1 24 | 24.1% | 13.0% |
净利率PRITER
| Q4 25 | 23.1% | 23.7% | ||
| Q3 25 | 24.6% | 15.5% | ||
| Q2 25 | 22.5% | 12.0% | ||
| Q1 25 | 21.0% | 14.4% | ||
| Q4 24 | 21.7% | 19.4% | ||
| Q3 24 | 21.2% | 19.8% | ||
| Q2 24 | 0.1% | 25.5% | ||
| Q1 24 | 18.6% | 10.7% |
每股收益（稀释后）PRITER
| Q4 25 | $6.11 | $1.62 | ||
| Q3 25 | $6.35 | $0.75 | ||
| Q2 25 | $5.40 | $0.49 | ||
| Q1 25 | $5.05 | $0.61 | ||
| Q4 24 | $4.92 | $0.89 | ||
| Q3 24 | $4.83 | $0.89 | ||
| Q2 24 | $0.03 | $1.14 | ||
| Q1 24 | $3.93 | $0.40 |
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 | $293.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.4B | $2.8B |
| 总资产 | $15.0B | $4.2B |
| 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PRITER
| Q4 25 | $756.2M | $293.8M | ||
| Q3 25 | $644.9M | $272.7M | ||
| Q2 25 | $621.2M | $339.3M | ||
| Q1 25 | $625.1M | $475.6M | ||
| Q4 24 | $687.8M | $553.4M | ||
| Q3 24 | $550.1M | $510.0M | ||
| Q2 24 | $627.3M | $421.9M | ||
| Q1 24 | $593.4M | $707.4M |
股东权益PRITER
| Q4 25 | $2.4B | $2.8B | ||
| Q3 25 | $2.3B | $2.7B | ||
| Q2 25 | $2.3B | $2.8B | ||
| Q1 25 | $2.3B | $2.8B | ||
| Q4 24 | $2.3B | $2.8B | ||
| Q3 24 | $1.9B | $2.9B | ||
| Q2 24 | $2.1B | $2.7B | ||
| Q1 24 | $2.2B | $2.6B |
总资产PRITER
| Q4 25 | $15.0B | $4.2B | ||
| Q3 25 | $14.8B | $4.0B | ||
| Q2 25 | $14.8B | $3.8B | ||
| Q1 25 | $14.6B | $3.7B | ||
| Q4 24 | $14.6B | $3.7B | ||
| Q3 24 | $14.8B | $3.8B | ||
| Q2 24 | $14.6B | $3.6B | ||
| Q1 24 | $14.9B | $3.4B |
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 | $281.6M |
| 自由现金流经营现金流 - 资本支出 | — | $218.8M |
| 自由现金流率自由现金流/营收 | — | 20.2% |
| 资本支出强度资本支出/营收 | — | 5.8% |
| 现金转化率经营现金流/净利润 | 1.72× | 1.09× |
| 过去12个月自由现金流最近4个季度 | — | $450.4M |
8季度趋势，按日历期对齐
经营现金流PRITER
| Q4 25 | $338.2M | $281.6M | ||
| Q3 25 | $202.9M | $49.0M | ||
| Q2 25 | $162.6M | $182.1M | ||
| Q1 25 | $197.5M | $161.6M | ||
| Q4 24 | $270.6M | $282.6M | ||
| Q3 24 | $207.3M | $166.3M | ||
| Q2 24 | $173.3M | $216.1M | ||
| Q1 24 | $210.9M | $7.3M |
自由现金流PRITER
| Q4 25 | — | $218.8M | ||
| Q3 25 | — | $2.4M | ||
| Q2 25 | — | $131.7M | ||
| Q1 25 | — | $97.6M | ||
| Q4 24 | — | $225.2M | ||
| Q3 24 | — | $114.4M | ||
| Q2 24 | — | $171.2M | ||
| Q1 24 | — | $-36.7M |
自由现金流率PRITER
| Q4 25 | — | 20.2% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 20.2% | ||
| Q1 25 | — | 14.2% | ||
| Q4 24 | — | 29.9% | ||
| Q3 24 | — | 15.5% | ||
| Q2 24 | — | 23.5% | ||
| Q1 24 | — | -6.1% |
资本支出强度PRITER
| Q4 25 | — | 5.8% | ||
| Q3 25 | — | 6.1% | ||
| Q2 25 | — | 7.7% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 7.6% | ||
| Q3 24 | — | 7.0% | ||
| Q2 24 | — | 6.1% | ||
| Q1 24 | — | 7.3% |
现金转化率PRITER
| Q4 25 | 1.72× | 1.09× | ||
| Q3 25 | 0.98× | 0.41× | ||
| Q2 25 | 0.91× | 2.32× | ||
| Q1 25 | 1.17× | 1.63× | ||
| Q4 24 | 1.62× | 1.93× | ||
| Q3 24 | 1.26× | 1.14× | ||
| Q2 24 | 147.98× | 1.16× | ||
| Q1 24 | 1.53× | 0.11× |
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% |
TER
| Soc | $646.5M | 60% |
| Memory | $206.5M | 19% |
| Transferred At Point In Time | $90.0M | 8% |
| Universal Robots | $89.4M | 8% |
| IST | $30.5M | 3% |
| Transferred Over Time | $20.5M | 2% |
