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Primerica, Inc.（PRI）与环联（TRU）财务数据对比。点击上方公司名可切换其他公司
环联的季度营收约是Primerica, Inc.的1.5倍（$1.2B vs $853.7M），Primerica, Inc.净利率更高（23.1% vs 9.6%，领先13.4%），环联同比增速更快（13.7% vs 11.0%），过去两年环联的营收复合增速更高（9.4% 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。
环联是美国知名消费者信用报告机构，与益博睿、艾奎法克斯并列美国三大征信机构，总部位于伊利诺伊州芝加哥。目前其业务覆盖30余个国家，累计收集超10亿消费者的信用信息，持有美国几乎所有有信用记录消费者的超2亿份档案，服务超6.5万家企业客户，2014年营收达13亿美元。
PRI vs TRU — 直观对比
营收规模更大
TRU
是对方的1.5倍
$853.7M
营收增速更快
TRU
高出2.7%
11.0%
净利率更高
PRI
高出13.4%
9.6%
两年增速更快
TRU
近两年复合增速
7.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $1.2B |
| 净利润 | $197.0M | $120.0M |
| 毛利率 | — | — |
| 营业利润率 | 28.9% | 19.7% |
| 净利率 | 23.1% | 9.6% |
| 营收同比 | 11.0% | 13.7% |
| 净利润同比 | 17.9% | -4.0% |
| 每股收益（稀释后） | $6.11 | $0.61 |
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PRITRU
| Q1 26 | — | $1.2B | ||
| Q4 25 | $853.7M | $1.2B | ||
| Q3 25 | $839.9M | $1.2B | ||
| Q2 25 | $793.3M | $1.1B | ||
| Q1 25 | $804.8M | $1.1B | ||
| Q4 24 | $768.8M | $1.0B | ||
| Q3 24 | $774.1M | $1.1B | ||
| Q2 24 | $803.4M | $1.0B |
净利润PRITRU
| Q1 26 | — | $120.0M | ||
| Q4 25 | $197.0M | $101.1M | ||
| Q3 25 | $206.8M | $96.6M | ||
| Q2 25 | $178.3M | $109.6M | ||
| Q1 25 | $169.1M | $148.1M | ||
| Q4 24 | $167.1M | $66.3M | ||
| Q3 24 | $164.4M | $68.0M | ||
| Q2 24 | $1.2M | $85.0M |
毛利率PRITRU
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 98.0% | — |
营业利润率PRITRU
| Q1 26 | — | 19.7% | ||
| Q4 25 | 28.9% | 17.4% | ||
| Q3 25 | 32.3% | 17.8% | ||
| Q2 25 | 29.6% | 16.9% | ||
| Q1 25 | 27.5% | 23.2% | ||
| Q4 24 | 64.7% | 16.5% | ||
| Q3 24 | 32.9% | 14.4% | ||
| Q2 24 | 1.0% | 17.5% |
净利率PRITRU
| Q1 26 | — | 9.6% | ||
| Q4 25 | 23.1% | 8.6% | ||
| Q3 25 | 24.6% | 8.3% | ||
| Q2 25 | 22.5% | 9.6% | ||
| Q1 25 | 21.0% | 13.5% | ||
| Q4 24 | 21.7% | 6.4% | ||
| Q3 24 | 21.2% | 6.3% | ||
| Q2 24 | 0.1% | 8.2% |
每股收益（稀释后）PRITRU
| Q1 26 | — | $0.61 | ||
| Q4 25 | $6.11 | $0.52 | ||
| Q3 25 | $6.35 | $0.49 | ||
| Q2 25 | $5.40 | $0.56 | ||
| Q1 25 | $5.05 | $0.75 | ||
| Q4 24 | $4.92 | $0.33 | ||
| Q3 24 | $4.83 | $0.35 | ||
| Q2 24 | $0.03 | $0.44 |
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 | $732.5M |
| 总债务越低越好 | — | $5.6B |
| 股东权益账面价值 | $2.4B | $4.9B |
| 总资产 | $15.0B | $12.0B |
| 负债/权益比越低杠杆越低 | — | 1.14× |
8季度趋势，按日历期对齐
现金及短期投资PRITRU
| Q1 26 | — | $732.5M | ||
| Q4 25 | $756.2M | $856.3M | ||
| Q3 25 | $644.9M | $752.5M | ||
| Q2 25 | $621.2M | $690.0M | ||
| Q1 25 | $625.1M | $612.5M | ||
| Q4 24 | $687.8M | $682.0M | ||
| Q3 24 | $550.1M | $646.0M | ||
| Q2 24 | $627.3M | $545.8M |
总债务PRITRU
| Q1 26 | — | $5.6B | ||
| Q4 25 | — | $4.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $5.1B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益PRITRU
| Q1 26 | — | $4.9B | ||
| Q4 25 | $2.4B | $4.4B | ||
| Q3 25 | $2.3B | $4.5B | ||
| Q2 25 | $2.3B | $4.5B | ||
| Q1 25 | $2.3B | $4.4B | ||
| Q4 24 | $2.3B | $4.2B | ||
| Q3 24 | $1.9B | $4.2B | ||
| Q2 24 | $2.1B | $4.1B |
总资产PRITRU
| Q1 26 | — | $12.0B | ||
| Q4 25 | $15.0B | $11.1B | ||
| Q3 25 | $14.8B | $11.1B | ||
| Q2 25 | $14.8B | $11.1B | ||
| Q1 25 | $14.6B | $10.9B | ||
| Q4 24 | $14.6B | $11.0B | ||
| Q3 24 | $14.8B | $11.1B | ||
| Q2 24 | $14.6B | $11.0B |
负债/权益比PRITRU
| Q1 26 | — | 1.14× | ||
| Q4 25 | — | 1.11× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.20× | ||
| 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 | — | 5.2% |
| 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PRITRU
| Q1 26 | — | — | ||
| Q4 25 | $338.2M | $319.5M | ||
| Q3 25 | $202.9M | $324.3M | ||
| Q2 25 | $162.6M | $291.3M | ||
| Q1 25 | $197.5M | $52.5M | ||
| Q4 24 | $270.6M | $254.0M | ||
| Q3 24 | $207.3M | $229.3M | ||
| Q2 24 | $173.3M | $295.2M |
自由现金流PRITRU
| Q1 26 | — | — | ||
| Q4 25 | — | $222.8M | ||
| Q3 25 | — | $240.4M | ||
| Q2 25 | — | $214.3M | ||
| Q1 25 | — | $-15.9M | ||
| Q4 24 | — | $136.9M | ||
| Q3 24 | — | $161.3M | ||
| Q2 24 | — | $226.9M |
自由现金流率PRITRU
| Q1 26 | — | — | ||
| Q4 25 | — | 19.0% | ||
| Q3 25 | — | 20.6% | ||
| Q2 25 | — | 18.8% | ||
| Q1 25 | — | -1.5% | ||
| Q4 24 | — | 13.2% | ||
| Q3 24 | — | 14.9% | ||
| Q2 24 | — | 21.8% |
资本支出强度PRITRU
| Q1 26 | — | 5.2% | ||
| Q4 25 | — | 8.3% | ||
| Q3 25 | — | 7.2% | ||
| Q2 25 | — | 6.8% | ||
| Q1 25 | — | 6.2% | ||
| Q4 24 | — | 11.3% | ||
| Q3 24 | — | 6.3% | ||
| Q2 24 | — | 6.6% |
现金转化率PRITRU
| Q1 26 | — | — | ||
| Q4 25 | 1.72× | 3.16× | ||
| Q3 25 | 0.98× | 3.36× | ||
| Q2 25 | 0.91× | 2.66× | ||
| Q1 25 | 1.17× | 0.35× | ||
| Q4 24 | 1.62× | 3.83× | ||
| Q3 24 | 1.26× | 3.37× | ||
| Q2 24 | 147.98× | 3.47× |
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% |
TRU
| U.S. Markets | $975.0M | 78% |
| International | $274.0M | 22% |
