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EPAM Systems（EPAM）与KEMPER Corp（KMPR）财务数据对比。点击上方公司名可切换其他公司
EPAM Systems的季度营收约是KEMPER Corp的1.2倍（$1.4B vs $1.1B），EPAM Systems净利率更高（7.8% vs -0.7%，领先8.5%），EPAM Systems同比增速更快（12.8% vs -4.7%），EPAM Systems自由现金流更多（$268.1M vs $166.2M），过去两年EPAM Systems的营收复合增速更高（9.9% vs -0.5%）
EPAM Systems是总部位于美国宾夕法尼亚州纽敦的企业，核心业务涵盖软件工程服务、数字平台研发、数字产品设计三大板块，同时是MACH联盟的创始成员，在全球数字化服务赛道拥有深厚的技术积累与行业认可度。
坎伯公司（Kemper Corporation）是总部位于美国伊利诺伊州芝加哥的保险服务商，总资产近130亿美元，旗下品牌矩阵为个人、家庭及企业客户提供多元保险产品服务。
EPAM vs KMPR — 直观对比
营收规模更大
EPAM
是对方的1.2倍
$1.1B
营收增速更快
EPAM
高出17.4%
-4.7%
净利率更高
EPAM
高出8.5%
-0.7%
自由现金流更多
EPAM
多$101.9M
$166.2M
两年增速更快
EPAM
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.4B | $1.1B |
| 净利润 | $109.4M | $-8.0M |
| 毛利率 | 30.1% | — |
| 营业利润率 | 10.6% | — |
| 净利率 | 7.8% | -0.7% |
| 营收同比 | 12.8% | -4.7% |
| 净利润同比 | 5.9% | -108.2% |
| 每股收益（稀释后） | $1.97 | $-0.03 |
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EPAMKMPR
| Q4 25 | $1.4B | $1.1B | ||
| Q3 25 | $1.4B | $1.2B | ||
| Q2 25 | $1.4B | $1.2B | ||
| Q1 25 | $1.3B | $1.2B | ||
| Q4 24 | $1.2B | $1.2B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.2B | $1.1B |
净利润EPAMKMPR
| Q4 25 | $109.4M | $-8.0M | ||
| Q3 25 | $106.8M | $-21.0M | ||
| Q2 25 | $88.0M | $72.6M | ||
| Q1 25 | $73.5M | $99.7M | ||
| Q4 24 | $103.3M | $97.4M | ||
| Q3 24 | $136.3M | $73.7M | ||
| Q2 24 | $98.6M | $75.4M | ||
| Q1 24 | $116.2M | $71.3M |
毛利率EPAMKMPR
| Q4 25 | 30.1% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 28.8% | — | ||
| Q1 25 | 26.9% | — | ||
| Q4 24 | 30.4% | — | ||
| Q3 24 | 34.6% | — | ||
| Q2 24 | 29.3% | — | ||
| Q1 24 | 28.4% | — |
营业利润率EPAMKMPR
| Q4 25 | 10.6% | — | ||
| Q3 25 | 10.4% | — | ||
| Q2 25 | 9.3% | — | ||
| Q1 25 | 7.6% | — | ||
| Q4 24 | 10.9% | — | ||
| Q3 24 | 15.2% | 11.2% | ||
| Q2 24 | 10.5% | 10.1% | ||
| Q1 24 | 9.5% | 7.6% |
净利率EPAMKMPR
| Q4 25 | 7.8% | -0.7% | ||
| Q3 25 | 7.7% | -1.7% | ||
| Q2 25 | 6.5% | 5.9% | ||
| Q1 25 | 5.6% | 8.4% | ||
| Q4 24 | 8.3% | 8.2% | ||
| Q3 24 | 11.7% | 6.3% | ||
| Q2 24 | 8.6% | 6.7% | ||
| Q1 24 | 10.0% | 6.2% |
每股收益（稀释后）EPAMKMPR
| Q4 25 | $1.97 | $-0.03 | ||
| Q3 25 | $1.91 | $-0.34 | ||
| Q2 25 | $1.56 | $1.12 | ||
| Q1 25 | $1.28 | $1.54 | ||
| Q4 24 | $1.80 | $1.51 | ||
| Q3 24 | $2.37 | $1.14 | ||
| Q2 24 | $1.70 | $1.16 | ||
| Q1 24 | $1.97 | $1.10 |
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 | $1.3B | — |
| 总债务越低越好 | — | $943.5M |
| 股东权益账面价值 | $3.7B | $2.7B |
| 总资产 | $4.9B | $12.5B |
| 负债/权益比越低杠杆越低 | — | 0.35× |
8季度趋势，按日历期对齐
现金及短期投资EPAMKMPR
| Q4 25 | $1.3B | — | ||
| Q3 25 | $1.2B | $371.2M | ||
| Q2 25 | $1.0B | $407.6M | ||
| Q1 25 | $1.2B | $545.3M | ||
| Q4 24 | $1.3B | $1.0B | ||
| Q3 24 | $2.1B | $696.9M | ||
| Q2 24 | $1.8B | $539.1M | ||
| Q1 24 | $2.0B | $520.7M |
总债务EPAMKMPR
| Q4 25 | — | $943.5M | ||
| Q3 25 | — | $943.1M | ||
| Q2 25 | — | $942.6M | ||
| Q1 25 | — | $942.1M | ||
| Q4 24 | — | $1.4B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.4B | ||
| Q1 24 | — | $1.4B |
股东权益EPAMKMPR
| Q4 25 | $3.7B | $2.7B | ||
| Q3 25 | $3.7B | $2.7B | ||
| Q2 25 | $3.7B | $370.0M | ||
| Q1 25 | $3.6B | $366.0M | ||
| Q4 24 | $3.6B | $2.8B | ||
| Q3 24 | $3.6B | $2.8B | ||
| Q2 24 | $3.4B | $358.0M | ||
| Q1 24 | $3.5B | $2.6B |
总资产EPAMKMPR
| Q4 25 | $4.9B | $12.5B | ||
| Q3 25 | $4.8B | $12.4B | ||
| Q2 25 | $4.7B | $12.6B | ||
| Q1 25 | $4.7B | $12.5B | ||
| Q4 24 | $4.8B | $12.6B | ||
| Q3 24 | $4.5B | $12.6B | ||
| Q2 24 | $4.2B | $12.6B | ||
| Q1 24 | $4.4B | $12.6B |
负债/权益比EPAMKMPR
| Q4 25 | — | 0.35× | ||
| Q3 25 | — | 0.35× | ||
| Q2 25 | — | 2.55× | ||
| Q1 25 | — | 2.57× | ||
| Q4 24 | — | 0.50× | ||
| Q3 24 | — | 0.50× | ||
| Q2 24 | — | 3.88× | ||
| Q1 24 | — | 0.54× |
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 | $282.9M | $175.0M |
| 自由现金流经营现金流 - 资本支出 | $268.1M | $166.2M |
| 自由现金流率自由现金流/营收 | 19.0% | 14.7% |
| 资本支出强度资本支出/营收 | 1.1% | 0.8% |
| 现金转化率经营现金流/净利润 | 2.59× | — |
| 过去12个月自由现金流最近4个季度 | $612.7M | $553.9M |
8季度趋势，按日历期对齐
经营现金流EPAMKMPR
| Q4 25 | $282.9M | $175.0M | ||
| Q3 25 | $294.7M | $139.9M | ||
| Q2 25 | $53.2M | $89.6M | ||
| Q1 25 | $24.2M | $180.0M | ||
| Q4 24 | $130.3M | $175.1M | ||
| Q3 24 | $242.0M | $141.9M | ||
| Q2 24 | $57.0M | $22.9M | ||
| Q1 24 | $129.9M | $43.0M |
自由现金流EPAMKMPR
| Q4 25 | $268.1M | $166.2M | ||
| Q3 25 | $286.4M | $133.4M | ||
| Q2 25 | $43.4M | $82.0M | ||
| Q1 25 | $14.8M | $172.3M | ||
| Q4 24 | $114.5M | $165.4M | ||
| Q3 24 | $237.0M | $131.4M | ||
| Q2 24 | $52.3M | $5.2M | ||
| Q1 24 | $123.2M | $27.7M |
自由现金流率EPAMKMPR
| Q4 25 | 19.0% | 14.7% | ||
| Q3 25 | 20.5% | 10.8% | ||
| Q2 25 | 3.2% | 6.7% | ||
| Q1 25 | 1.1% | 14.4% | ||
| Q4 24 | 9.2% | 13.9% | ||
| Q3 24 | 20.3% | 11.1% | ||
| Q2 24 | 4.6% | 0.5% | ||
| Q1 24 | 10.6% | 2.4% |
资本支出强度EPAMKMPR
| Q4 25 | 1.1% | 0.8% | ||
| Q3 25 | 0.6% | 0.5% | ||
| Q2 25 | 0.7% | 0.6% | ||
| Q1 25 | 0.7% | 0.6% | ||
| Q4 24 | 1.3% | 0.8% | ||
| Q3 24 | 0.4% | 0.9% | ||
| Q2 24 | 0.4% | 1.6% | ||
| Q1 24 | 0.6% | 1.3% |
现金转化率EPAMKMPR
| Q4 25 | 2.59× | — | ||
| Q3 25 | 2.76× | — | ||
| Q2 25 | 0.60× | 1.23× | ||
| Q1 25 | 0.33× | 1.81× | ||
| Q4 24 | 1.26× | 1.80× | ||
| Q3 24 | 1.77× | 1.93× | ||
| Q2 24 | 0.58× | 0.30× | ||
| Q1 24 | 1.12× | 0.60× |
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
EPAM
暂无分部数据
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
