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KEMPER Corp（KMPR）与Stride, Inc.（LRN）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Stride, Inc.的1.8倍（$1.1B vs $629.9M），Stride, Inc.净利率更高（14.1% vs -0.7%，领先14.8%），Stride, Inc.同比增速更快（2.7% vs -4.7%），过去两年Stride, Inc.的营收复合增速更高（8.6% vs -0.5%）
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。
Stride, Inc.是一家营利性教育机构，主营在线及混合式教育项目。作为教育管理机构，其为K12阶段公立学校学生提供替代传统线下教学的在线教育方案，同时也开设职业学习课程。截至2012年，这家上市企业是全球招生规模最大的教育管理机构。
KMPR vs LRN — 直观对比
营收规模更大
KMPR
是对方的1.8倍
$629.9M
营收增速更快
LRN
高出7.4%
-4.7%
净利率更高
LRN
高出14.8%
-0.7%
两年增速更快
LRN
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $629.9M |
| 净利润 | $-8.0M | $88.5M |
| 毛利率 | — | — |
| 营业利润率 | — | 20.5% |
| 净利率 | -0.7% | 14.1% |
| 营收同比 | -4.7% | 2.7% |
| 净利润同比 | -108.2% | 8.5% |
| 每股收益（稀释后） | $-0.03 | $1.93 |
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KMPRLRN
| Q3 26 | — | $629.9M | ||
| Q4 25 | $1.1B | $631.3M | ||
| Q3 25 | $1.2B | $620.9M | ||
| Q2 25 | $1.2B | $653.6M | ||
| Q1 25 | $1.2B | $613.4M | ||
| Q4 24 | $1.2B | $587.2M | ||
| Q3 24 | $1.2B | $551.1M | ||
| Q2 24 | $1.1B | $534.2M |
净利润KMPRLRN
| Q3 26 | — | $88.5M | ||
| Q4 25 | $-8.0M | $99.5M | ||
| Q3 25 | $-21.0M | $68.8M | ||
| Q2 25 | $72.6M | $51.3M | ||
| Q1 25 | $99.7M | $99.3M | ||
| Q4 24 | $97.4M | $96.4M | ||
| Q3 24 | $73.7M | $40.9M | ||
| Q2 24 | $75.4M | $62.8M |
毛利率KMPRLRN
| Q3 26 | — | — | ||
| Q4 25 | — | 41.1% | ||
| Q3 25 | — | 39.0% | ||
| Q2 25 | — | 36.6% | ||
| Q1 25 | — | 40.6% | ||
| Q4 24 | — | 40.8% | ||
| Q3 24 | — | 39.2% | ||
| Q2 24 | — | 35.2% |
营业利润率KMPRLRN
| Q3 26 | — | 20.5% | ||
| Q4 25 | — | 23.3% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 8.7% | ||
| Q1 25 | — | 21.3% | ||
| Q4 24 | — | 21.3% | ||
| Q3 24 | 11.2% | 8.6% | ||
| Q2 24 | 10.1% | 13.8% |
净利率KMPRLRN
| Q3 26 | — | 14.1% | ||
| Q4 25 | -0.7% | 15.8% | ||
| Q3 25 | -1.7% | 11.1% | ||
| Q2 25 | 5.9% | 7.9% | ||
| Q1 25 | 8.4% | 16.2% | ||
| Q4 24 | 8.2% | 16.4% | ||
| Q3 24 | 6.3% | 7.4% | ||
| Q2 24 | 6.7% | 11.8% |
每股收益（稀释后）KMPRLRN
| Q3 26 | — | $1.93 | ||
| Q4 25 | $-0.03 | $2.12 | ||
| Q3 25 | $-0.34 | $1.40 | ||
| Q2 25 | $1.12 | $0.96 | ||
| Q1 25 | $1.54 | $2.02 | ||
| Q4 24 | $1.51 | $2.03 | ||
| Q3 24 | $1.14 | $0.94 | ||
| Q2 24 | $1.16 | $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 | — | $614.0M |
| 总债务越低越好 | $943.5M | $417.6M |
| 股东权益账面价值 | $2.7B | $1.6B |
| 总资产 | $12.5B | $2.4B |
| 负债/权益比越低杠杆越低 | 0.35× | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资KMPRLRN
| Q3 26 | — | $614.0M | ||
| Q4 25 | — | $625.7M | ||
| Q3 25 | $371.2M | $715.1M | ||
| Q2 25 | $407.6M | $985.3M | ||
| Q1 25 | $545.3M | $723.7M | ||
| Q4 24 | $1.0B | $717.5M | ||
| Q3 24 | $696.9M | $522.2M | ||
| Q2 24 | $539.1M | $692.3M |
总债务KMPRLRN
| Q3 26 | — | $417.6M | ||
| Q4 25 | $943.5M | $417.2M | ||
| Q3 25 | $943.1M | $416.8M | ||
| Q2 25 | $942.6M | $416.3M | ||
| Q1 25 | $942.1M | $415.9M | ||
| Q4 24 | $1.4B | $415.5M | ||
| Q3 24 | $1.4B | $415.1M | ||
| Q2 24 | $1.4B | $414.7M |
股东权益KMPRLRN
| Q3 26 | — | $1.6B | ||
| Q4 25 | $2.7B | $1.5B | ||
| Q3 25 | $2.7B | $1.5B | ||
| Q2 25 | $370.0M | $1.5B | ||
| Q1 25 | $366.0M | $1.4B | ||
| Q4 24 | $2.8B | $1.3B | ||
| Q3 24 | $2.8B | $1.2B | ||
| Q2 24 | $358.0M | $1.2B |
总资产KMPRLRN
| Q3 26 | — | $2.4B | ||
| Q4 25 | $12.5B | $2.3B | ||
| Q3 25 | $12.4B | $2.3B | ||
| Q2 25 | $12.6B | $2.3B | ||
| Q1 25 | $12.5B | $2.2B | ||
| Q4 24 | $12.6B | $2.1B | ||
| Q3 24 | $12.6B | $2.0B | ||
| Q2 24 | $12.6B | $1.9B |
负债/权益比KMPRLRN
| Q3 26 | — | 0.25× | ||
| Q4 25 | 0.35× | 0.27× | ||
| Q3 25 | 0.35× | 0.27× | ||
| Q2 25 | 2.55× | 0.28× | ||
| Q1 25 | 2.57× | 0.29× | ||
| Q4 24 | 0.50× | 0.32× | ||
| Q3 24 | 0.50× | 0.34× | ||
| Q2 24 | 3.88× | 0.35× |
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 | $117.0M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | — |
| 自由现金流率自由现金流/营收 | 14.7% | — |
| 资本支出强度资本支出/营收 | 0.8% | — |
| 现金转化率经营现金流/净利润 | — | 1.32× |
| 过去12个月自由现金流最近4个季度 | $553.9M | — |
8季度趋势，按日历期对齐
经营现金流KMPRLRN
| Q3 26 | — | $117.0M | ||
| Q4 25 | $175.0M | $91.8M | ||
| Q3 25 | $139.9M | $-195.8M | ||
| Q2 25 | $89.6M | $298.3M | ||
| Q1 25 | $180.0M | $53.1M | ||
| Q4 24 | $175.1M | $223.4M | ||
| Q3 24 | $141.9M | $-142.0M | ||
| Q2 24 | $22.9M | $172.2M |
自由现金流KMPRLRN
| Q3 26 | — | — | ||
| Q4 25 | $166.2M | $91.6M | ||
| Q3 25 | $133.4M | $-196.1M | ||
| Q2 25 | $82.0M | $297.9M | ||
| Q1 25 | $172.3M | $52.9M | ||
| Q4 24 | $165.4M | $222.9M | ||
| Q3 24 | $131.4M | $-142.7M | ||
| Q2 24 | $5.2M | $171.4M |
自由现金流率KMPRLRN
| Q3 26 | — | — | ||
| Q4 25 | 14.7% | 14.5% | ||
| Q3 25 | 10.8% | -31.6% | ||
| Q2 25 | 6.7% | 45.6% | ||
| Q1 25 | 14.4% | 8.6% | ||
| Q4 24 | 13.9% | 38.0% | ||
| Q3 24 | 11.1% | -25.9% | ||
| Q2 24 | 0.5% | 32.1% |
资本支出强度KMPRLRN
| Q3 26 | — | — | ||
| Q4 25 | 0.8% | 0.0% | ||
| Q3 25 | 0.5% | 0.0% | ||
| Q2 25 | 0.6% | 0.1% | ||
| Q1 25 | 0.6% | 0.0% | ||
| Q4 24 | 0.8% | 0.1% | ||
| Q3 24 | 0.9% | 0.1% | ||
| Q2 24 | 1.6% | 0.1% |
现金转化率KMPRLRN
| Q3 26 | — | 1.32× | ||
| Q4 25 | — | 0.92× | ||
| Q3 25 | — | -2.85× | ||
| Q2 25 | 1.23× | 5.81× | ||
| Q1 25 | 1.81× | 0.53× | ||
| Q4 24 | 1.80× | 2.32× | ||
| Q3 24 | 1.93× | -3.47× | ||
| Q2 24 | 0.30× | 2.74× |
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% |
LRN
| General Education | $357.5M | 57% |
| Middle - High School | $259.5M | 41% |
| Adult | $12.9M | 2% |
