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Primerica, Inc.（PRI）与Toast, Inc.（TOST）财务数据对比。点击上方公司名可切换其他公司
Toast, Inc.的季度营收约是Primerica, Inc.的1.9倍（$1.6B vs $872.7M），Primerica, Inc.净利率更高（21.8% vs 6.2%，领先15.6%），Toast, Inc.同比增速更快（22.0% vs 8.4%），过去两年Toast, Inc.的营收复合增速更高（23.3% vs 4.2%）
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。
Toast, Inc.是总部位于美国马萨诸塞州波士顿的云餐饮管理软件企业，主打基于安卓操作系统研发的一体化销售点（POS）系统，可为餐饮商家提供涵盖收银、订单管理等在内的全场景门店经营解决方案。
PRI vs TOST — 直观对比
营收规模更大
TOST
是对方的1.9倍
$872.7M
营收增速更快
TOST
高出13.6%
8.4%
净利率更高
PRI
高出15.6%
6.2%
两年增速更快
TOST
近两年复合增速
4.2%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $872.7M | $1.6B |
| 净利润 | $190.1M | $101.0M |
| 毛利率 | — | 25.9% |
| 营业利润率 | — | 5.2% |
| 净利率 | 21.8% | 6.2% |
| 营收同比 | 8.4% | 22.0% |
| 净利润同比 | 12.4% | 215.6% |
| 每股收益（稀释后） | $5.97 | $0.18 |
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PRITOST
| Q1 26 | $872.7M | — | ||
| Q4 25 | $853.7M | $1.6B | ||
| Q3 25 | $839.9M | $1.6B | ||
| Q2 25 | $793.3M | $1.6B | ||
| Q1 25 | $804.8M | $1.3B | ||
| Q4 24 | $768.8M | $1.3B | ||
| Q3 24 | $774.1M | $1.3B | ||
| Q2 24 | $803.4M | $1.2B |
净利润PRITOST
| Q1 26 | $190.1M | — | ||
| Q4 25 | $197.0M | $101.0M | ||
| Q3 25 | $206.8M | $105.0M | ||
| Q2 25 | $178.3M | $80.0M | ||
| Q1 25 | $169.1M | $56.0M | ||
| Q4 24 | $167.1M | $32.0M | ||
| Q3 24 | $164.4M | $56.0M | ||
| Q2 24 | $1.2M | $14.0M |
毛利率PRITOST
| Q1 26 | — | — | ||
| Q4 25 | — | 25.9% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | 98.0% | 23.0% |
营业利润率PRITOST
| Q1 26 | — | — | ||
| Q4 25 | 28.9% | 5.2% | ||
| Q3 25 | 32.3% | 5.1% | ||
| Q2 25 | 29.6% | 5.2% | ||
| Q1 25 | 27.5% | 3.2% | ||
| Q4 24 | 64.7% | 2.5% | ||
| Q3 24 | 32.9% | 2.6% | ||
| Q2 24 | 1.0% | 0.4% |
净利率PRITOST
| Q1 26 | 21.8% | — | ||
| Q4 25 | 23.1% | 6.2% | ||
| Q3 25 | 24.6% | 6.4% | ||
| Q2 25 | 22.5% | 5.2% | ||
| Q1 25 | 21.0% | 4.2% | ||
| Q4 24 | 21.7% | 2.4% | ||
| Q3 24 | 21.2% | 4.3% | ||
| Q2 24 | 0.1% | 1.1% |
每股收益（稀释后）PRITOST
| Q1 26 | $5.97 | — | ||
| Q4 25 | $6.11 | $0.18 | ||
| Q3 25 | $6.35 | $0.16 | ||
| Q2 25 | $5.40 | $0.13 | ||
| Q1 25 | $5.05 | $0.09 | ||
| Q4 24 | $4.92 | $0.09 | ||
| Q3 24 | $4.83 | $0.07 | ||
| Q2 24 | $0.03 | $0.02 |
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 | $645.8M | $1.4B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.5B | $2.1B |
| 总资产 | $14.7B | $3.1B |
| 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PRITOST
| Q1 26 | $645.8M | — | ||
| Q4 25 | $756.2M | $1.4B | ||
| Q3 25 | $644.9M | $1.4B | ||
| Q2 25 | $621.2M | $1.2B | ||
| Q1 25 | $625.1M | $1.0B | ||
| Q4 24 | $687.8M | $903.0M | ||
| Q3 24 | $550.1M | $761.0M | ||
| Q2 24 | $627.3M | $691.0M |
股东权益PRITOST
| Q1 26 | $2.5B | — | ||
| Q4 25 | $2.4B | $2.1B | ||
| Q3 25 | $2.3B | $2.0B | ||
| Q2 25 | $2.3B | $1.8B | ||
| Q1 25 | $2.3B | $1.7B | ||
| Q4 24 | $2.3B | $1.5B | ||
| Q3 24 | $1.9B | $1.4B | ||
| Q2 24 | $2.1B | $1.3B |
总资产PRITOST
| Q1 26 | $14.7B | — | ||
| Q4 25 | $15.0B | $3.1B | ||
| Q3 25 | $14.8B | $3.0B | ||
| Q2 25 | $14.8B | $2.8B | ||
| Q1 25 | $14.6B | $2.6B | ||
| Q4 24 | $14.6B | $2.4B | ||
| Q3 24 | $14.8B | $2.2B | ||
| Q2 24 | $14.6B | $2.2B |
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 | — | $194.0M |
| 自由现金流经营现金流 - 资本支出 | — | $178.0M |
| 自由现金流率自由现金流/营收 | — | 10.9% |
| 资本支出强度资本支出/营收 | — | 1.0% |
| 现金转化率经营现金流/净利润 | — | 1.92× |
| 过去12个月自由现金流最近4个季度 | — | $608.0M |
8季度趋势，按日历期对齐
经营现金流PRITOST
| Q1 26 | — | — | ||
| Q4 25 | $338.2M | $194.0M | ||
| Q3 25 | $202.9M | $165.0M | ||
| Q2 25 | $162.6M | $223.0M | ||
| Q1 25 | $197.5M | $79.0M | ||
| Q4 24 | $270.6M | $147.0M | ||
| Q3 24 | $207.3M | $109.0M | ||
| Q2 24 | $173.3M | $124.0M |
自由现金流PRITOST
| Q1 26 | — | — | ||
| Q4 25 | — | $178.0M | ||
| Q3 25 | — | $153.0M | ||
| Q2 25 | — | $208.0M | ||
| Q1 25 | — | $69.0M | ||
| Q4 24 | — | $134.0M | ||
| Q3 24 | — | $97.0M | ||
| Q2 24 | — | $108.0M |
自由现金流率PRITOST
| Q1 26 | — | — | ||
| Q4 25 | — | 10.9% | ||
| Q3 25 | — | 9.4% | ||
| Q2 25 | — | 13.4% | ||
| Q1 25 | — | 5.2% | ||
| Q4 24 | — | 10.0% | ||
| Q3 24 | — | 7.4% | ||
| Q2 24 | — | 8.7% |
资本支出强度PRITOST
| Q1 26 | — | — | ||
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 1.3% |
现金转化率PRITOST
| Q1 26 | — | — | ||
| Q4 25 | 1.72× | 1.92× | ||
| Q3 25 | 0.98× | 1.57× | ||
| Q2 25 | 0.91× | 2.79× | ||
| Q1 25 | 1.17× | 1.41× | ||
| Q4 24 | 1.62× | 4.59× | ||
| Q3 24 | 1.26× | 1.95× | ||
| Q2 24 | 147.98× | 8.86× |
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
暂无分部数据
TOST
| Technology Service | $1.3B | 82% |
| License | $256.0M | 16% |
| Product And Professional Services | $43.0M | 3% |
