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KEMPER Corp（KMPR）与LCI INDUSTRIES（LCII）财务数据对比。点击上方公司名可切换其他公司
KEMPER Corp的季度营收约是LCI INDUSTRIES的1.2倍（$1.1B vs $932.7M），LCI INDUSTRIES净利率更高（2.0% vs -0.7%，领先2.7%），LCI INDUSTRIES同比增速更快（16.1% vs -4.7%），KEMPER Corp自由现金流更多（$166.2M vs $64.3M），过去两年KEMPER Corp的营收复合增速更高（-0.5% vs -1.8%）
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。
拉奇核心工业有限公司前身为巴基斯坦帝国化学工业公司，是一家总部位于卡拉奇的巴基斯坦综合性企业集团，业务覆盖聚酯、医药、农用化学品、纯碱及兽药等多品类产品的研发生产，在巴基斯坦本土工业领域拥有重要市场地位。
KMPR vs LCII — 直观对比
营收规模更大
KMPR
是对方的1.2倍
$932.7M
营收增速更快
LCII
高出20.8%
-4.7%
净利率更高
LCII
高出2.7%
-0.7%
自由现金流更多
KMPR
多$101.9M
$64.3M
两年增速更快
KMPR
近两年复合增速
-1.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $932.7M |
| 净利润 | $-8.0M | $18.7M |
| 毛利率 | — | 22.1% |
| 营业利润率 | — | 3.8% |
| 净利率 | -0.7% | 2.0% |
| 营收同比 | -4.7% | 16.1% |
| 净利润同比 | -108.2% | 95.7% |
| 每股收益（稀释后） | $-0.03 | $0.79 |
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KMPRLCII
| Q4 25 | $1.1B | $932.7M | ||
| Q3 25 | $1.2B | $1.0B | ||
| Q2 25 | $1.2B | $1.1B | ||
| Q1 25 | $1.2B | $1.0B | ||
| Q4 24 | $1.2B | $803.1M | ||
| Q3 24 | $1.2B | $915.5M | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.1B | $968.0M |
净利润KMPRLCII
| Q4 25 | $-8.0M | $18.7M | ||
| Q3 25 | $-21.0M | $62.5M | ||
| Q2 25 | $72.6M | $57.6M | ||
| Q1 25 | $99.7M | $49.4M | ||
| Q4 24 | $97.4M | $9.5M | ||
| Q3 24 | $73.7M | $35.6M | ||
| Q2 24 | $75.4M | $61.2M | ||
| Q1 24 | $71.3M | $36.5M |
毛利率KMPRLCII
| Q4 25 | — | 22.1% | ||
| Q3 25 | — | 24.4% | ||
| Q2 25 | — | 24.4% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | — | 21.1% | ||
| Q3 24 | — | 24.0% | ||
| Q2 24 | — | 25.3% | ||
| Q1 24 | — | 23.1% |
营业利润率KMPRLCII
| Q4 25 | — | 3.8% | ||
| Q3 25 | — | 7.3% | ||
| Q2 25 | — | 7.9% | ||
| Q1 25 | — | 7.8% | ||
| Q4 24 | — | 2.0% | ||
| Q3 24 | 11.2% | 5.9% | ||
| Q2 24 | 10.1% | 8.6% | ||
| Q1 24 | 7.6% | 6.0% |
净利率KMPRLCII
| Q4 25 | -0.7% | 2.0% | ||
| Q3 25 | -1.7% | 6.0% | ||
| Q2 25 | 5.9% | 5.2% | ||
| Q1 25 | 8.4% | 4.7% | ||
| Q4 24 | 8.2% | 1.2% | ||
| Q3 24 | 6.3% | 3.9% | ||
| Q2 24 | 6.7% | 5.8% | ||
| Q1 24 | 6.2% | 3.8% |
每股收益（稀释后）KMPRLCII
| Q4 25 | $-0.03 | $0.79 | ||
| Q3 25 | $-0.34 | $2.55 | ||
| Q2 25 | $1.12 | $2.29 | ||
| Q1 25 | $1.54 | $1.94 | ||
| Q4 24 | $1.51 | $0.37 | ||
| Q3 24 | $1.14 | $1.39 | ||
| Q2 24 | $1.16 | $2.40 | ||
| Q1 24 | $1.10 | $1.44 |
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 | — | $222.6M |
| 总债务越低越好 | $943.5M | $945.2M |
| 股东权益账面价值 | $2.7B | $1.4B |
| 总资产 | $12.5B | $3.2B |
| 负债/权益比越低杠杆越低 | 0.35× | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资KMPRLCII
| Q4 25 | — | $222.6M | ||
| Q3 25 | $371.2M | $199.7M | ||
| Q2 25 | $407.6M | $191.9M | ||
| Q1 25 | $545.3M | $231.2M | ||
| Q4 24 | $1.0B | $165.8M | ||
| Q3 24 | $696.9M | $161.2M | ||
| Q2 24 | $539.1M | $130.4M | ||
| Q1 24 | $520.7M | $22.6M |
总债务KMPRLCII
| Q4 25 | $943.5M | $945.2M | ||
| Q3 25 | $943.1M | $947.8M | ||
| Q2 25 | $942.6M | $948.0M | ||
| Q1 25 | $942.1M | $938.3M | ||
| Q4 24 | $1.4B | $757.3M | ||
| Q3 24 | $1.4B | $822.5M | ||
| Q2 24 | $1.4B | $829.7M | ||
| Q1 24 | $1.4B | $855.3M |
股东权益KMPRLCII
| Q4 25 | $2.7B | $1.4B | ||
| Q3 25 | $2.7B | $1.4B | ||
| Q2 25 | $370.0M | $1.4B | ||
| Q1 25 | $366.0M | $1.4B | ||
| Q4 24 | $2.8B | $1.4B | ||
| Q3 24 | $2.8B | $1.4B | ||
| Q2 24 | $358.0M | $1.4B | ||
| Q1 24 | $2.6B | $1.4B |
总资产KMPRLCII
| Q4 25 | $12.5B | $3.2B | ||
| Q3 25 | $12.4B | $3.2B | ||
| Q2 25 | $12.6B | $3.2B | ||
| Q1 25 | $12.5B | $3.1B | ||
| Q4 24 | $12.6B | $2.9B | ||
| Q3 24 | $12.6B | $3.0B | ||
| Q2 24 | $12.6B | $3.0B | ||
| Q1 24 | $12.6B | $3.0B |
负债/权益比KMPRLCII
| Q4 25 | 0.35× | 0.69× | ||
| Q3 25 | 0.35× | 0.70× | ||
| Q2 25 | 2.55× | 0.68× | ||
| Q1 25 | 2.57× | 0.69× | ||
| Q4 24 | 0.50× | 0.55× | ||
| Q3 24 | 0.50× | 0.58× | ||
| Q2 24 | 3.88× | 0.60× | ||
| Q1 24 | 0.54× | 0.63× |
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 | $175.0M | $78.9M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $64.3M |
| 自由现金流率自由现金流/营收 | 14.7% | 6.9% |
| 资本支出强度资本支出/营收 | 0.8% | 1.6% |
| 现金转化率经营现金流/净利润 | — | 4.22× |
| 过去12个月自由现金流最近4个季度 | $553.9M | $278.3M |
8季度趋势，按日历期对齐
经营现金流KMPRLCII
| Q4 25 | $175.0M | $78.9M | ||
| Q3 25 | $139.9M | $97.2M | ||
| Q2 25 | $89.6M | $112.2M | ||
| Q1 25 | $180.0M | $42.7M | ||
| Q4 24 | $175.1M | $106.6M | ||
| Q3 24 | $141.9M | $78.4M | ||
| Q2 24 | $22.9M | $192.9M | ||
| Q1 24 | $43.0M | $-7.7M |
自由现金流KMPRLCII
| Q4 25 | $166.2M | $64.3M | ||
| Q3 25 | $133.4M | $80.9M | ||
| Q2 25 | $82.0M | $99.5M | ||
| Q1 25 | $172.3M | $33.7M | ||
| Q4 24 | $165.4M | $95.7M | ||
| Q3 24 | $131.4M | $68.3M | ||
| Q2 24 | $5.2M | $180.2M | ||
| Q1 24 | $27.7M | $-16.3M |
自由现金流率KMPRLCII
| Q4 25 | 14.7% | 6.9% | ||
| Q3 25 | 10.8% | 7.8% | ||
| Q2 25 | 6.7% | 9.0% | ||
| Q1 25 | 14.4% | 3.2% | ||
| Q4 24 | 13.9% | 11.9% | ||
| Q3 24 | 11.1% | 7.5% | ||
| Q2 24 | 0.5% | 17.1% | ||
| Q1 24 | 2.4% | -1.7% |
资本支出强度KMPRLCII
| Q4 25 | 0.8% | 1.6% | ||
| Q3 25 | 0.5% | 1.6% | ||
| Q2 25 | 0.6% | 1.2% | ||
| Q1 25 | 0.6% | 0.9% | ||
| Q4 24 | 0.8% | 1.4% | ||
| Q3 24 | 0.9% | 1.1% | ||
| Q2 24 | 1.6% | 1.2% | ||
| Q1 24 | 1.3% | 0.9% |
现金转化率KMPRLCII
| Q4 25 | — | 4.22× | ||
| Q3 25 | — | 1.55× | ||
| Q2 25 | 1.23× | 1.95× | ||
| Q1 25 | 1.81× | 0.86× | ||
| Q4 24 | 1.80× | 11.17× | ||
| Q3 24 | 1.93× | 2.20× | ||
| Q2 24 | 0.30× | 3.15× | ||
| Q1 24 | 0.60× | -0.21× |
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
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
LCII
| Travel Trailer And Fifth Wheels | $378.4M | 41% |
| Chassis Chassis Partsand Slideout Mechanisms | $206.1M | 22% |
| Furnitureand Mattresses | $120.4M | 13% |
| Appliances | $69.9M | 7% |
| Other Products | $69.1M | 7% |
| Axlesand Suspension Solutions | $62.3M | 7% |
| Motorhomes | $34.2M | 4% |
