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Primerica, Inc.（PRI）与Tyler Technologies（TYL）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Tyler Technologies的1.4倍（$872.7M vs $613.5M），Primerica, Inc.净利率更高（21.8% vs 13.2%，领先8.6%），Tyler Technologies同比增速更快（8.6% vs 8.4%），过去两年Tyler Technologies的营收复合增速更高（6.5% 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。
Tyler Technologies, Inc.是总部位于美国得克萨斯州普莱诺的科技企业，主营面向美国公共部门提供自研专有软件，目前在全美17个州设有办事处，另在加拿大安大略省多伦多市设有一处办公网点。
PRI vs TYL — 直观对比
营收规模更大
PRI
是对方的1.4倍
$613.5M
营收增速更快
TYL
高出0.1%
8.4%
净利率更高
PRI
高出8.6%
13.2%
两年增速更快
TYL
近两年复合增速
4.2%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $872.7M | $613.5M |
| 净利润 | $190.1M | $81.2M |
| 毛利率 | — | 48.3% |
| 营业利润率 | — | 16.3% |
| 净利率 | 21.8% | 13.2% |
| 营收同比 | 8.4% | 8.6% |
| 净利润同比 | 12.4% | — |
| 每股收益（稀释后） | $5.97 | $1.88 |
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PRITYL
| Q1 26 | $872.7M | $613.5M | ||
| Q4 25 | $853.7M | $575.2M | ||
| Q3 25 | $839.9M | $595.9M | ||
| Q2 25 | $793.3M | $596.1M | ||
| Q1 25 | $804.8M | $565.2M | ||
| Q4 24 | $768.8M | $541.1M | ||
| Q3 24 | $774.1M | $543.3M | ||
| Q2 24 | $803.4M | $541.0M |
净利润PRITYL
| Q1 26 | $190.1M | $81.2M | ||
| Q4 25 | $197.0M | $65.5M | ||
| Q3 25 | $206.8M | $84.4M | ||
| Q2 25 | $178.3M | $84.6M | ||
| Q1 25 | $169.1M | $81.1M | ||
| Q4 24 | $167.1M | $65.2M | ||
| Q3 24 | $164.4M | $75.9M | ||
| Q2 24 | $1.2M | $67.7M |
毛利率PRITYL
| Q1 26 | — | 48.3% | ||
| Q4 25 | — | 45.5% | ||
| Q3 25 | — | 47.2% | ||
| Q2 25 | — | 45.8% | ||
| Q1 25 | — | 47.3% | ||
| Q4 24 | — | 43.8% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | 98.0% | 44.0% |
营业利润率PRITYL
| Q1 26 | — | 16.3% | ||
| Q4 25 | 28.9% | 13.0% | ||
| Q3 25 | 32.3% | 16.4% | ||
| Q2 25 | 29.6% | 16.0% | ||
| Q1 25 | 27.5% | 15.8% | ||
| Q4 24 | 64.7% | 13.2% | ||
| Q3 24 | 32.9% | 15.2% | ||
| Q2 24 | 1.0% | 14.4% |
净利率PRITYL
| Q1 26 | 21.8% | 13.2% | ||
| Q4 25 | 23.1% | 11.4% | ||
| Q3 25 | 24.6% | 14.2% | ||
| Q2 25 | 22.5% | 14.2% | ||
| Q1 25 | 21.0% | 14.3% | ||
| Q4 24 | 21.7% | 12.1% | ||
| Q3 24 | 21.2% | 14.0% | ||
| Q2 24 | 0.1% | 12.5% |
每股收益（稀释后）PRITYL
| Q1 26 | $5.97 | $1.88 | ||
| Q4 25 | $6.11 | $1.50 | ||
| Q3 25 | $6.35 | $1.93 | ||
| Q2 25 | $5.40 | $1.93 | ||
| Q1 25 | $5.05 | $1.84 | ||
| Q4 24 | $4.92 | $1.48 | ||
| Q3 24 | $4.83 | $1.74 | ||
| Q2 24 | $0.03 | $1.57 |
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 | $346.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.5B | $3.6B |
| 总资产 | $14.7B | $4.8B |
| 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PRITYL
| Q1 26 | $645.8M | $346.4M | ||
| Q4 25 | $756.2M | $1.1B | ||
| Q3 25 | $644.9M | $950.8M | ||
| Q2 25 | $621.2M | $892.3M | ||
| Q1 25 | $625.1M | $807.4M | ||
| Q4 24 | $687.8M | $768.0M | ||
| Q3 24 | $550.1M | $544.3M | ||
| Q2 24 | $627.3M | $258.0M |
总债务PRITYL
| Q1 26 | — | — | ||
| Q4 25 | — | $599.7M | ||
| Q3 25 | — | $599.2M | ||
| Q2 25 | — | $598.8M | ||
| Q1 25 | — | $598.4M | ||
| Q4 24 | — | $597.9M | ||
| Q3 24 | — | $597.5M | ||
| Q2 24 | — | $597.1M |
股东权益PRITYL
| Q1 26 | $2.5B | $3.6B | ||
| Q4 25 | $2.4B | $3.7B | ||
| Q3 25 | $2.3B | $3.6B | ||
| Q2 25 | $2.3B | $3.6B | ||
| Q1 25 | $2.3B | $3.5B | ||
| Q4 24 | $2.3B | $3.4B | ||
| Q3 24 | $1.9B | $3.3B | ||
| Q2 24 | $2.1B | $3.1B |
总资产PRITYL
| Q1 26 | $14.7B | $4.8B | ||
| Q4 25 | $15.0B | $5.6B | ||
| Q3 25 | $14.8B | $5.5B | ||
| Q2 25 | $14.8B | $5.4B | ||
| Q1 25 | $14.6B | $5.2B | ||
| Q4 24 | $14.6B | $5.2B | ||
| Q3 24 | $14.8B | $5.0B | ||
| Q2 24 | $14.6B | $4.8B |
负债/权益比PRITYL
| Q1 26 | — | — | ||
| Q4 25 | — | 0.16× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.16× | ||
| Q1 25 | — | 0.17× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.19× |
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 | — | $107.3M |
| 自由现金流经营现金流 - 资本支出 | — | $2.0M |
| 自由现金流率自由现金流/营收 | — | 0.3% |
| 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 | — | 1.32× |
| 过去12个月自由现金流最近4个季度 | — | $585.7M |
8季度趋势，按日历期对齐
经营现金流PRITYL
| Q1 26 | — | $107.3M | ||
| Q4 25 | $338.2M | $243.9M | ||
| Q3 25 | $202.9M | $255.2M | ||
| Q2 25 | $162.6M | $98.3M | ||
| Q1 25 | $197.5M | $56.2M | ||
| Q4 24 | $270.6M | $224.8M | ||
| Q3 24 | $207.3M | $263.7M | ||
| Q2 24 | $173.3M | $64.3M |
自由现金流PRITYL
| Q1 26 | — | $2.0M | ||
| Q4 25 | — | $239.6M | ||
| Q3 25 | — | $251.3M | ||
| Q2 25 | — | $92.8M | ||
| Q1 25 | — | $53.8M | ||
| Q4 24 | — | $221.0M | ||
| Q3 24 | — | $260.8M | ||
| Q2 24 | — | $57.7M |
自由现金流率PRITYL
| Q1 26 | — | 0.3% | ||
| Q4 25 | — | 41.7% | ||
| Q3 25 | — | 42.2% | ||
| Q2 25 | — | 15.6% | ||
| Q1 25 | — | 9.5% | ||
| Q4 24 | — | 40.8% | ||
| Q3 24 | — | 48.0% | ||
| Q2 24 | — | 10.7% |
资本支出强度PRITYL
| Q1 26 | — | — | ||
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 1.2% |
现金转化率PRITYL
| Q1 26 | — | 1.32× | ||
| Q4 25 | 1.72× | 3.72× | ||
| Q3 25 | 0.98× | 3.02× | ||
| Q2 25 | 0.91× | 1.16× | ||
| Q1 25 | 1.17× | 0.69× | ||
| Q4 24 | 1.62× | 3.45× | ||
| Q3 24 | 1.26× | 3.47× | ||
| Q2 24 | 147.98× | 0.95× |
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
TYL
| Subscriptions | $429.7M | 70% |
| Maintenance | $108.9M | 18% |
| Other | $74.9M | 12% |
