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Primerica, Inc.（PRI）与Voya Financial, Inc.（VOYA）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Voya Financial, Inc.的1.4倍（$853.7M vs $603.0M）。Voya Financial, Inc.净利率更高（23.2% vs 23.1%，领先0.1%）。Primerica, Inc.同比增速更快（11.0% vs 7.5%）。过去两年Voya Financial, Inc.的营收复合增速更高（7.8% 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。
Voya Financial是总部位于美国纽约的金融服务机构，业务覆盖退休规划、投资管理及保险领域。其前身为ING集团美国运营子公司，2013年完成分拆并通过首次公开募股获得独立资金支持，2014年4月正式启用Voya Financial品牌，旗下前身机构最早在1970年代就已进入美国市场。
PRI vs VOYA — 直观对比
营收规模更大
PRI
是对方的1.4倍
$603.0M
营收增速更快
PRI
高出3.6%
7.5%
净利率更高
VOYA
高出0.1%
23.1%
两年增速更快
VOYA
近两年复合增速
7.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $853.7M | $603.0M |
| 净利润 | $197.0M | $140.0M |
| 毛利率 | — | — |
| 营业利润率 | 28.9% | 28.0% |
| 净利率 | 23.1% | 23.2% |
| 营收同比 | 11.0% | 7.5% |
| 净利润同比 | 17.9% | 44.3% |
| 每股收益（稀释后） | $6.11 | $1.41 |
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PRIVOYA
| Q4 25 | $853.7M | $603.0M | ||
| Q3 25 | $839.9M | $572.0M | ||
| Q2 25 | $793.3M | $542.0M | ||
| Q1 25 | $804.8M | $538.0M | ||
| Q4 24 | $768.8M | $561.0M | ||
| Q3 24 | $774.1M | $542.0M | ||
| Q2 24 | $803.4M | $528.0M | ||
| Q1 24 | $742.8M | $519.0M |
净利润PRIVOYA
| Q4 25 | $197.0M | $140.0M | ||
| Q3 25 | $206.8M | $192.0M | ||
| Q2 25 | $178.3M | $166.0M | ||
| Q1 25 | $169.1M | $156.0M | ||
| Q4 24 | $167.1M | $97.0M | ||
| Q3 24 | $164.4M | $114.0M | ||
| Q2 24 | $1.2M | $205.0M | ||
| Q1 24 | $137.9M | $251.0M |
毛利率PRIVOYA
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 98.0% | — | ||
| Q1 24 | 98.2% | — |
营业利润率PRIVOYA
| Q4 25 | 28.9% | 28.0% | ||
| Q3 25 | 32.3% | 53.7% | ||
| Q2 25 | 29.6% | 34.7% | ||
| Q1 25 | 27.5% | 32.2% | ||
| Q4 24 | 64.7% | 21.4% | ||
| Q3 24 | 32.9% | 21.4% | ||
| Q2 24 | 1.0% | 52.3% | ||
| Q1 24 | 24.1% | 55.3% |
净利率PRIVOYA
| Q4 25 | 23.1% | 23.2% | ||
| Q3 25 | 24.6% | 33.6% | ||
| Q2 25 | 22.5% | 30.6% | ||
| Q1 25 | 21.0% | 29.0% | ||
| Q4 24 | 21.7% | 17.3% | ||
| Q3 24 | 21.2% | 21.0% | ||
| Q2 24 | 0.1% | 38.8% | ||
| Q1 24 | 18.6% | 48.4% |
每股收益（稀释后）PRIVOYA
| Q4 25 | $6.11 | $1.41 | ||
| Q3 25 | $6.35 | $1.80 | ||
| Q2 25 | $5.40 | $1.66 | ||
| Q1 25 | $5.05 | $1.42 | ||
| Q4 24 | $4.92 | $0.99 | ||
| Q3 24 | $4.83 | $0.98 | ||
| Q2 24 | $0.03 | $1.96 | ||
| Q1 24 | $3.93 | $2.24 |
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 | — |
| 总债务越低越好 | — | $2.1B |
| 股东权益账面价值 | $2.4B | $5.0B |
| 总资产 | $15.0B | $178.9B |
| 负债/权益比越低杠杆越低 | — | 0.42× |
8季度趋势，按日历期对齐
现金及短期投资PRIVOYA
| Q4 25 | $756.2M | — | ||
| Q3 25 | $644.9M | — | ||
| Q2 25 | $621.2M | — | ||
| Q1 25 | $625.1M | — | ||
| Q4 24 | $687.8M | — | ||
| Q3 24 | $550.1M | — | ||
| Q2 24 | $627.3M | — | ||
| Q1 24 | $593.4M | — |
总债务PRIVOYA
| Q4 25 | — | $2.1B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | — | $2.1B | ||
| Q1 25 | — | $2.1B | ||
| Q4 24 | — | $2.5B | ||
| Q3 24 | — | $2.5B | ||
| Q2 24 | — | $2.1B | ||
| Q1 24 | — | $2.1B |
股东权益PRIVOYA
| Q4 25 | $2.4B | $5.0B | ||
| Q3 25 | $2.3B | $5.0B | ||
| Q2 25 | $2.3B | $4.6B | ||
| Q1 25 | $2.3B | $4.4B | ||
| Q4 24 | $2.3B | $4.0B | ||
| Q3 24 | $1.9B | $4.7B | ||
| Q2 24 | $2.1B | $4.0B | ||
| Q1 24 | $2.2B | $4.2B |
总资产PRIVOYA
| Q4 25 | $15.0B | $178.9B | ||
| Q3 25 | $14.8B | $177.4B | ||
| Q2 25 | $14.8B | $172.4B | ||
| Q1 25 | $14.6B | $163.9B | ||
| Q4 24 | $14.6B | $163.9B | ||
| Q3 24 | $14.8B | $166.9B | ||
| Q2 24 | $14.6B | $161.3B | ||
| Q1 24 | $14.9B | $161.6B |
负债/权益比PRIVOYA
| Q4 25 | — | 0.42× | ||
| Q3 25 | — | 0.42× | ||
| Q2 25 | — | 0.45× | ||
| Q1 25 | — | 0.48× | ||
| Q4 24 | — | 0.62× | ||
| Q3 24 | — | 0.53× | ||
| Q2 24 | — | 0.52× | ||
| Q1 24 | — | 0.51× |
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 | $557.0M |
| 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× | 3.98× |
| 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PRIVOYA
| Q4 25 | $338.2M | $557.0M | ||
| Q3 25 | $202.9M | $168.0M | ||
| Q2 25 | $162.6M | $742.0M | ||
| Q1 25 | $197.5M | $-179.0M | ||
| Q4 24 | $270.6M | $79.0M | ||
| Q3 24 | $207.3M | $719.0M | ||
| Q2 24 | $173.3M | $316.0M | ||
| Q1 24 | $210.9M | $231.0M |
现金转化率PRIVOYA
| Q4 25 | 1.72× | 3.98× | ||
| Q3 25 | 0.98× | 0.88× | ||
| Q2 25 | 0.91× | 4.47× | ||
| Q1 25 | 1.17× | -1.15× | ||
| Q4 24 | 1.62× | 0.81× | ||
| Q3 24 | 1.26× | 6.31× | ||
| Q2 24 | 147.98× | 1.54× | ||
| Q1 24 | 1.53× | 0.92× |
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% |
VOYA
| Other | $295.0M | 49% |
| Investment Management Segment | $274.0M | 45% |
| Distribution Fees Member | $34.0M | 6% |
