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KINGSWAY FINANCIAL SERVICES INC（KFS）与Talkspace, Inc.（TALK）财务数据对比。点击上方公司名可切换其他公司
Talkspace, Inc.的季度营收约是KINGSWAY FINANCIAL SERVICES INC的1.6倍（$63.0M vs $38.6M），Talkspace, Inc.净利率更高（7.6% vs -4.1%，领先11.7%），KINGSWAY FINANCIAL SERVICES INC同比增速更快（30.1% vs 29.3%），过去两年KINGSWAY FINANCIAL SERVICES INC的营收复合增速更高（21.4% vs 17.8%）
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。
Talkspace, Inc.是一家提供线上与移动端心理咨询服务的美国企业，由奥伦·弗兰克与罗尼·弗兰克创立于2012年，总部位于纽约。公司依托网页与移动端平台，帮助用户对接具备执业资质的心理咨询师与精神科医师，支持文字、音频、视频消息沟通，部分场景还可提供实时视频咨询服务。
KFS vs TALK — 直观对比
营收规模更大
TALK
是对方的1.6倍
$38.6M
营收增速更快
KFS
高出0.8%
29.3%
净利率更高
TALK
高出11.7%
-4.1%
两年增速更快
KFS
近两年复合增速
17.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $38.6M | $63.0M |
| 净利润 | $-1.6M | $4.8M |
| 毛利率 | — | — |
| 营业利润率 | 0.8% | 6.1% |
| 净利率 | -4.1% | 7.6% |
| 营收同比 | 30.1% | 29.3% |
| 净利润同比 | -7.8% | 292.5% |
| 每股收益（稀释后） | $-0.07 | — |
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KFSTALK
| Q4 25 | $38.6M | $63.0M | ||
| Q3 25 | $37.2M | $59.4M | ||
| Q2 25 | $30.9M | $54.3M | ||
| Q1 25 | $28.3M | $52.2M | ||
| Q4 24 | $29.6M | $48.7M | ||
| Q3 24 | $27.1M | $47.4M | ||
| Q2 24 | $26.4M | $46.1M | ||
| Q1 24 | $26.2M | $45.4M |
净利润KFSTALK
| Q4 25 | $-1.6M | $4.8M | ||
| Q3 25 | $-2.4M | $3.3M | ||
| Q2 25 | $-3.2M | $-541.0K | ||
| Q1 25 | $-3.1M | $318.0K | ||
| Q4 24 | $-1.5M | $1.2M | ||
| Q3 24 | $-2.3M | $1.9M | ||
| Q2 24 | $-2.2M | $-474.0K | ||
| Q1 24 | $-2.3M | $-1.5M |
毛利率KFSTALK
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 44.6% | ||
| Q4 24 | — | 44.2% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 47.8% |
营业利润率KFSTALK
| Q4 25 | 0.8% | 6.1% | ||
| Q3 25 | -2.3% | 3.7% | ||
| Q2 25 | -3.6% | -3.3% | ||
| Q1 25 | -2.5% | -2.1% | ||
| Q4 24 | 6.5% | 1.2% | ||
| Q3 24 | -2.5% | 0.2% | ||
| Q2 24 | 0.5% | -7.6% | ||
| Q1 24 | 2.9% | -3.7% |
净利率KFSTALK
| Q4 25 | -4.1% | 7.6% | ||
| Q3 25 | -6.5% | 5.5% | ||
| Q2 25 | -10.2% | -1.0% | ||
| Q1 25 | -10.9% | 0.6% | ||
| Q4 24 | -5.0% | 2.5% | ||
| Q3 24 | -8.5% | 4.0% | ||
| Q2 24 | -8.3% | -1.0% | ||
| Q1 24 | -8.9% | -3.2% |
每股收益（稀释后）KFSTALK
| Q4 25 | $-0.07 | — | ||
| Q3 25 | $-0.10 | $0.02 | ||
| Q2 25 | $-0.13 | — | ||
| Q1 25 | $-0.13 | $0.00 | ||
| Q4 24 | $-0.08 | $0.01 | ||
| Q3 24 | $-0.10 | $0.01 | ||
| Q2 24 | $-0.08 | $0.00 | ||
| Q1 24 | $-0.09 | $-0.01 |
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 | $37.4M |
| 总债务越低越好 | $70.7M | — |
| 股东权益账面价值 | $15.2M | $117.0M |
| 总资产 | $231.5M | $134.9M |
| 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KFSTALK
| Q4 25 | $8.5M | $37.4M | ||
| Q3 25 | $9.5M | $39.5M | ||
| Q2 25 | $12.3M | $54.3M | ||
| Q1 25 | $6.5M | $60.1M | ||
| Q4 24 | $5.7M | $76.7M | ||
| Q3 24 | $6.7M | $119.0M | ||
| Q2 24 | $9.8M | $114.9M | ||
| Q1 24 | $12.3M | $120.3M |
总债务KFSTALK
| 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KFSTALK
| Q4 25 | $15.2M | $117.0M | ||
| Q3 25 | $16.6M | $109.1M | ||
| Q2 25 | $17.4M | $112.9M | ||
| Q1 25 | $5.5M | $113.4M | ||
| Q4 24 | $8.4M | $117.4M | ||
| Q3 24 | $9.9M | $117.6M | ||
| Q2 24 | $20.7M | $114.0M | ||
| Q1 24 | $23.6M | $119.6M |
总资产KFSTALK
| Q4 25 | $231.5M | $134.9M | ||
| Q3 25 | $235.1M | $129.1M | ||
| Q2 25 | $207.7M | $132.8M | ||
| Q1 25 | $192.1M | $134.2M | ||
| Q4 24 | $186.6M | $138.7M | ||
| Q3 24 | $191.1M | $138.2M | ||
| Q2 24 | $192.3M | $133.8M | ||
| Q1 24 | $198.0M | $138.3M |
负债/权益比KFSTALK
| 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 | $5.4M |
| 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 | — | 1.13× |
| 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KFSTALK
| Q4 25 | $-3.0K | $5.4M | ||
| Q3 25 | $1.5M | $4.7M | ||
| Q2 25 | $337.0K | $-351.0K | ||
| Q1 25 | $-1.8M | $-1.2M | ||
| Q4 24 | $1.1M | $3.7M | ||
| Q3 24 | $368.0K | $6.2M | ||
| Q2 24 | $557.0K | $4.8M | ||
| Q1 24 | $249.0K | $-3.4M |
自由现金流KFSTALK
| Q4 25 | — | — | ||
| Q3 25 | $1.3M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $4.5M | ||
| Q1 24 | — | $-3.8M |
自由现金流率KFSTALK
| Q4 25 | — | — | ||
| Q3 25 | 3.4% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 9.7% | ||
| Q1 24 | — | -8.3% |
资本支出强度KFSTALK
| Q4 25 | — | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 0.8% |
现金转化率KFSTALK
| Q4 25 | — | 1.13× | ||
| Q3 25 | — | 1.46× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -3.90× | ||
| Q4 24 | — | 3.02× | ||
| Q3 24 | — | 3.31× | ||
| 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% |
TALK
| Payor Revenue | $47.7M | 76% |
| Dte Revenue | $11.6M | 18% |
| Consumer | $3.7M | 6% |
