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KINGSWAY FINANCIAL SERVICES INC（KFS）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是KINGSWAY FINANCIAL SERVICES INC的1.2倍（$47.1M vs $38.6M），KINGSWAY FINANCIAL SERVICES INC净利率更高（-4.1% vs -33.9%，领先29.8%），KINGSWAY FINANCIAL SERVICES INC同比增速更快（30.1% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% vs 21.4%）
金斯威金融服务公司是一家专业金融控股企业，主要提供财产和意外伤害保险产品，包括个人车险、商业责任险、财产险等，核心市场覆盖北美地区，服务个人消费者、小微企业主及特定商业客户群体。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
KFS vs STEM — 直观对比
营收规模更大
STEM
是对方的1.2倍
$38.6M
营收增速更快
KFS
高出45.6%
-15.6%
净利率更高
KFS
高出29.8%
-33.9%
两年增速更快
STEM
近两年复合增速
21.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $38.6M | $47.1M |
| 净利润 | $-1.6M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 0.8% | -17.7% |
| 净利率 | -4.1% | -33.9% |
| 营收同比 | 30.1% | -15.6% |
| 净利润同比 | -7.8% | 68.8% |
| 每股收益（稀释后） | $-0.07 | $-4.40 |
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KFSSTEM
| Q4 25 | $38.6M | $47.1M | ||
| Q3 25 | $37.2M | $38.2M | ||
| Q2 25 | $30.9M | $38.4M | ||
| Q1 25 | $28.3M | $32.5M | ||
| Q4 24 | $29.6M | $55.8M | ||
| Q3 24 | $27.1M | $29.3M | ||
| Q2 24 | $26.4M | $34.0M | ||
| Q1 24 | $26.2M | $25.5M |
净利润KFSSTEM
| Q4 25 | $-1.6M | $-16.0M | ||
| Q3 25 | $-2.4M | $-23.8M | ||
| Q2 25 | $-3.2M | $202.5M | ||
| Q1 25 | $-3.1M | $-25.0M | ||
| Q4 24 | $-1.5M | $-51.1M | ||
| Q3 24 | $-2.3M | $-148.3M | ||
| Q2 24 | $-2.2M | $-582.3M | ||
| Q1 24 | $-2.3M | $-72.3M |
毛利率KFSSTEM
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
营业利润率KFSSTEM
| Q4 25 | 0.8% | -17.7% | ||
| Q3 25 | -2.3% | -33.6% | ||
| Q2 25 | -3.6% | -34.8% | ||
| Q1 25 | -2.5% | -65.0% | ||
| Q4 24 | 6.5% | -84.4% | ||
| Q3 24 | -2.5% | -493.2% | ||
| Q2 24 | 0.5% | -1705.5% | ||
| Q1 24 | 2.9% | -267.0% |
净利率KFSSTEM
| Q4 25 | -4.1% | -33.9% | ||
| Q3 25 | -6.5% | -62.2% | ||
| Q2 25 | -10.2% | 527.8% | ||
| Q1 25 | -10.9% | -76.9% | ||
| Q4 24 | -5.0% | -91.6% | ||
| Q3 24 | -8.5% | -506.3% | ||
| Q2 24 | -8.3% | -1712.6% | ||
| Q1 24 | -8.9% | -283.9% |
每股收益（稀释后）KFSSTEM
| Q4 25 | $-0.07 | $-4.40 | ||
| Q3 25 | $-0.10 | $-2.84 | ||
| Q2 25 | $-0.13 | $-1.79 | ||
| Q1 25 | $-0.13 | $-0.15 | ||
| Q4 24 | $-0.08 | $-15.29 | ||
| Q3 24 | $-0.10 | $-18.24 | ||
| Q2 24 | $-0.08 | $-71.81 | ||
| Q1 24 | $-0.09 | $-0.46 |
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 | $8.5M | $48.9M |
| 总债务越低越好 | $70.7M | — |
| 股东权益账面价值 | $15.2M | $-249.4M |
| 总资产 | $231.5M | $308.9M |
| 负债/权益比越低杠杆越低 | 4.66× | — |
8季度趋势，按日历期对齐
现金及短期投资KFSSTEM
| Q4 25 | $8.5M | $48.9M | ||
| Q3 25 | $9.5M | $43.1M | ||
| Q2 25 | $12.3M | $40.8M | ||
| Q1 25 | $6.5M | $58.6M | ||
| Q4 24 | $5.7M | $56.3M | ||
| Q3 24 | $6.7M | $75.4M | ||
| Q2 24 | $9.8M | $89.6M | ||
| Q1 24 | $12.3M | $112.8M |
总债务KFSSTEM
| Q4 25 | $70.7M | — | ||
| Q3 25 | $70.7M | — | ||
| Q2 25 | $58.3M | — | ||
| Q1 25 | $59.5M | — | ||
| Q4 24 | $57.5M | — | ||
| Q3 24 | $58.5M | — | ||
| Q2 24 | $47.3M | — | ||
| Q1 24 | $47.1M | — |
股东权益KFSSTEM
| Q4 25 | $15.2M | $-249.4M | ||
| Q3 25 | $16.6M | $-235.7M | ||
| Q2 25 | $17.4M | $-214.1M | ||
| Q1 25 | $5.5M | $-417.5M | ||
| Q4 24 | $8.4M | $-398.4M | ||
| Q3 24 | $9.9M | $-344.1M | ||
| Q2 24 | $20.7M | $-203.2M | ||
| Q1 24 | $23.6M | $371.6M |
总资产KFSSTEM
| Q4 25 | $231.5M | $308.9M | ||
| Q3 25 | $235.1M | $362.6M | ||
| Q2 25 | $207.7M | $379.2M | ||
| Q1 25 | $192.1M | $405.1M | ||
| Q4 24 | $186.6M | $437.4M | ||
| Q3 24 | $191.1M | $537.8M | ||
| Q2 24 | $192.3M | $691.5M | ||
| Q1 24 | $198.0M | $1.3B |
负债/权益比KFSSTEM
| Q4 25 | 4.66× | — | ||
| Q3 25 | 4.25× | — | ||
| Q2 25 | 3.34× | — | ||
| Q1 25 | 10.91× | — | ||
| Q4 24 | 6.84× | — | ||
| Q3 24 | 5.88× | — | ||
| Q2 24 | 2.29× | — | ||
| Q1 24 | 2.00× | — |
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 | $-3.0K | $8.2M |
| 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 | — | — |
| 现金转化率经营现金流/净利润 | — | — |
| 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KFSSTEM
| Q4 25 | $-3.0K | $8.2M | ||
| Q3 25 | $1.5M | $11.4M | ||
| Q2 25 | $337.0K | $-21.3M | ||
| Q1 25 | $-1.8M | $8.5M | ||
| Q4 24 | $1.1M | $-14.7M | ||
| Q3 24 | $368.0K | $-9.4M | ||
| Q2 24 | $557.0K | $-11.9M | ||
| Q1 24 | $249.0K | $-621.0K |
自由现金流KFSSTEM
| Q4 25 | — | — | ||
| Q3 25 | $1.3M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率KFSSTEM
| Q4 25 | — | — | ||
| Q3 25 | 3.4% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度KFSSTEM
| Q4 25 | — | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率KFSSTEM
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -0.11× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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
KFS
| Other | $14.8M | 38% |
| Roundhouse Electric Equipment Co Inc | $9.7M | 25% |
| MLC Plumbing LLC | $5.7M | 15% |
| Systems Products International Incspi | $3.8M | 10% |
| Advanced Plumbing And Drain | $2.9M | 8% |
| Southside Plumbing | $1.7M | 4% |
STEM
暂无分部数据
