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保德信金融（PRU）与RYDER SYSTEM INC（R）财务数据对比。点击上方公司名可切换其他公司
保德信金融的季度营收约是RYDER SYSTEM INC的5.0倍（$15.7B vs $3.1B），保德信金融净利率更高（5.8% vs 3.0%，领先2.8%），保德信金融同比增速更快（25.3% vs 1.0%），过去两年RYDER SYSTEM INC的营收复合增速更高（-0.9% vs -18.3%）
保德信金融是美国头部金融服务企业，旗下子公司面向美国及全球40余个国家的零售与机构客户，提供保险、退休规划、投资管理等多元产品与服务。2019年其为美国规模最大的保险提供商，总资产达8151亿美元，同时入选财富世界500强及美国财富500强榜单。
Ryder System Inc.是美国专业运输物流服务商，总部位于佛罗里达州科勒尔盖布尔斯，业务覆盖美国及英国，核心业务包含卡车租赁、车队管理、供应链及运输管理，同时提供车辆维保、二手车销售、专业司机派遣、电商履约与最后一公里配送等多元服务。
PRU vs R — 直观对比
营收规模更大
PRU
是对方的5.0倍
$3.1B
营收增速更快
PRU
高出24.3%
1.0%
净利率更高
PRU
高出2.8%
3.0%
两年增速更快
R
近两年复合增速
-18.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $15.7B | $3.1B |
| 净利润 | $905.0M | $93.0M |
| 毛利率 | — | — |
| 营业利润率 | 7.7% | — |
| 净利率 | 5.8% | 3.0% |
| 营收同比 | 25.3% | 1.0% |
| 净利润同比 | 1687.7% | -5.1% |
| 每股收益（稀释后） | $2.54 | $2.34 |
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PRUR
| Q1 26 | — | $3.1B | ||
| Q4 25 | $15.7B | $3.2B | ||
| Q3 25 | $17.9B | $3.2B | ||
| Q2 25 | $13.7B | $3.2B | ||
| Q1 25 | $13.5B | $3.1B | ||
| Q4 24 | $12.5B | $3.2B | ||
| Q3 24 | $19.5B | $3.2B | ||
| Q2 24 | $14.9B | $3.2B |
净利润PRUR
| Q1 26 | — | $93.0M | ||
| Q4 25 | $905.0M | $132.0M | ||
| Q3 25 | $1.4B | $138.0M | ||
| Q2 25 | $533.0M | $131.0M | ||
| Q1 25 | $707.0M | $98.0M | ||
| Q4 24 | $-57.0M | $135.0M | ||
| Q3 24 | $448.0M | $142.0M | ||
| Q2 24 | $1.2B | $127.0M |
营业利润率PRUR
| Q1 26 | — | — | ||
| Q4 25 | 7.7% | 5.6% | ||
| Q3 25 | 10.0% | 6.0% | ||
| Q2 25 | 5.4% | 5.8% | ||
| Q1 25 | 6.8% | 4.3% | ||
| Q4 24 | -1.2% | 5.7% | ||
| Q3 24 | 2.8% | 5.9% | ||
| Q2 24 | 9.5% | 5.6% |
净利率PRUR
| Q1 26 | — | 3.0% | ||
| Q4 25 | 5.8% | 4.2% | ||
| Q3 25 | 8.0% | 4.4% | ||
| Q2 25 | 3.9% | 4.1% | ||
| Q1 25 | 5.2% | 3.1% | ||
| Q4 24 | -0.5% | 4.2% | ||
| Q3 24 | 2.3% | 4.5% | ||
| Q2 24 | 8.0% | 4.0% |
每股收益（稀释后）PRUR
| Q1 26 | — | $2.34 | ||
| Q4 25 | $2.54 | $3.22 | ||
| Q3 25 | $4.01 | $3.32 | ||
| Q2 25 | $1.48 | $3.13 | ||
| Q1 25 | $1.96 | $2.27 | ||
| Q4 24 | $-0.14 | $3.09 | ||
| Q3 24 | $1.24 | $3.24 | ||
| Q2 24 | $3.28 | $2.84 |
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 | $19.7B | $182.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $32.4B | $2.9B |
| 总资产 | $773.7B | — |
| 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PRUR
| Q1 26 | — | $182.0M | ||
| Q4 25 | $19.7B | $198.0M | ||
| Q3 25 | $17.5B | $189.0M | ||
| Q2 25 | $16.6B | $180.0M | ||
| Q1 25 | $16.1B | $151.0M | ||
| Q4 24 | $18.5B | $154.0M | ||
| Q3 24 | $20.2B | $162.0M | ||
| Q2 24 | $17.1B | $164.0M |
总债务PRUR
| Q1 26 | — | — | ||
| Q4 25 | — | $6.8B | ||
| Q3 25 | — | $7.3B | ||
| Q2 25 | — | $7.0B | ||
| Q1 25 | — | $6.7B | ||
| Q4 24 | — | $6.7B | ||
| Q3 24 | — | $6.6B | ||
| Q2 24 | — | $6.5B |
股东权益PRUR
| Q1 26 | — | $2.9B | ||
| Q4 25 | $32.4B | $3.1B | ||
| Q3 25 | $32.1B | $3.1B | ||
| Q2 25 | $30.6B | $3.1B | ||
| Q1 25 | $29.9B | $3.0B | ||
| Q4 24 | $27.9B | $3.1B | ||
| Q3 24 | $30.4B | $3.1B | ||
| Q2 24 | $28.0B | $3.1B |
总资产PRUR
| Q1 26 | — | — | ||
| Q4 25 | $773.7B | $16.4B | ||
| Q3 25 | $776.3B | $16.5B | ||
| Q2 25 | $759.0B | $16.5B | ||
| Q1 25 | $739.3B | $16.4B | ||
| Q4 24 | $735.6B | $16.7B | ||
| Q3 24 | $760.3B | $16.5B | ||
| Q2 24 | $715.2B | $16.4B |
负债/权益比PRUR
| Q1 26 | — | — | ||
| Q4 25 | — | 2.24× | ||
| Q3 25 | — | 2.35× | ||
| Q2 25 | — | 2.27× | ||
| Q1 25 | — | 2.21× | ||
| Q4 24 | — | 2.14× | ||
| Q3 24 | — | 2.17× | ||
| Q2 24 | — | 2.09× |
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 | $3.3B | $583.0M |
| 自由现金流经营现金流 - 资本支出 | — | $273.0M |
| 自由现金流率自由现金流/营收 | — | 8.7% |
| 资本支出强度资本支出/营收 | — | 13.7% |
| 现金转化率经营现金流/净利润 | 3.67× | 6.27× |
| 过去12个月自由现金流最近4个季度 | — | $595.0M |
8季度趋势，按日历期对齐
经营现金流PRUR
| Q1 26 | — | $583.0M | ||
| Q4 25 | $3.3B | $749.0M | ||
| Q3 25 | $4.3B | $442.0M | ||
| Q2 25 | $1.2B | $752.0M | ||
| Q1 25 | $-2.5B | $651.0M | ||
| Q4 24 | $2.3B | $558.0M | ||
| Q3 24 | $1.1B | $629.0M | ||
| Q2 24 | $-146.0M | $552.0M |
自由现金流PRUR
| Q1 26 | — | $273.0M | ||
| Q4 25 | — | $344.0M | ||
| Q3 25 | — | $-85.0M | ||
| Q2 25 | — | $63.0M | ||
| Q1 25 | — | $137.0M | ||
| Q4 24 | — | $-201.0M | ||
| Q3 24 | — | $30.0M | ||
| Q2 24 | — | $-87.0M |
自由现金流率PRUR
| Q1 26 | — | 8.7% | ||
| Q4 25 | — | 10.8% | ||
| Q3 25 | — | -2.7% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 4.4% | ||
| Q4 24 | — | -6.3% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | -2.7% |
资本支出强度PRUR
| Q1 26 | — | 13.7% | ||
| Q4 25 | — | 12.8% | ||
| Q3 25 | — | 16.6% | ||
| Q2 25 | — | 21.6% | ||
| Q1 25 | — | 16.4% | ||
| Q4 24 | — | 23.8% | ||
| Q3 24 | — | 18.9% | ||
| Q2 24 | — | 20.1% |
现金转化率PRUR
| Q1 26 | — | 6.27× | ||
| Q4 25 | 3.67× | 5.67× | ||
| Q3 25 | 3.00× | 3.20× | ||
| Q2 25 | 2.18× | 5.74× | ||
| Q1 25 | -3.54× | 6.64× | ||
| Q4 24 | — | 4.13× | ||
| Q3 24 | 2.47× | 4.43× | ||
| Q2 24 | -0.12× | 4.35× |
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
PRU
| Other | $8.5B | 54% |
| International Insurance Division | $4.4B | 28% |
| US Businesses Division | $1.6B | 10% |
| PGIM Division | $1.1B | 7% |
| Trading | $51.0M | 0% |
R
| Fleet Management Solutions | $1.5B | 47% |
| ChoiceLease | $878.0M | 28% |
| Dedicated Transportation Solutions | $553.0M | 18% |
| Commercial rental | $211.0M | 7% |
