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KEMPER Corp（KMPR）与Masco（MAS）财务数据对比。点击上方公司名可切换其他公司
Masco的季度营收约是KEMPER Corp的1.7倍（$1.9B vs $1.1B），Masco净利率更高（11.9% vs -0.7%，领先12.6%），Masco同比增速更快（6.5% vs -4.7%），过去两年KEMPER Corp的营收复合增速更高（-0.5% vs -4.2%）
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。
美国家居建材企业Masco主营家装及新建住宅市场相关产品，旗下拥有20余家子公司，在全球运营近80座生产工厂，其中美国本土近60座，海外地区超20座。公司1969年于纽交所挂牌上市，后实现快速增长，成功跻身美国财富500强榜单。
KMPR vs MAS — 直观对比
营收规模更大
MAS
是对方的1.7倍
$1.1B
营收增速更快
MAS
高出11.2%
-4.7%
净利率更高
MAS
高出12.6%
-0.7%
两年增速更快
KMPR
近两年复合增速
-4.2%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.9B |
| 净利润 | $-8.0M | $228.0M |
| 毛利率 | — | 35.8% |
| 营业利润率 | — | 16.5% |
| 净利率 | -0.7% | 11.9% |
| 营收同比 | -4.7% | 6.5% |
| 净利润同比 | -108.2% | 14.5% |
| 每股收益（稀释后） | $-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KMPRMAS
| Q1 26 | — | $1.9B | ||
| Q4 25 | $1.1B | $1.8B | ||
| Q3 25 | $1.2B | $1.9B | ||
| Q2 25 | $1.2B | $2.1B | ||
| Q1 25 | $1.2B | $1.8B | ||
| Q4 24 | $1.2B | $1.8B | ||
| Q3 24 | $1.2B | $2.0B | ||
| Q2 24 | $1.1B | $2.1B |
净利润KMPRMAS
| Q1 26 | — | $228.0M | ||
| Q4 25 | $-8.0M | $165.0M | ||
| Q3 25 | $-21.0M | $189.0M | ||
| Q2 25 | $72.6M | $270.0M | ||
| Q1 25 | $99.7M | $186.0M | ||
| Q4 24 | $97.4M | $182.0M | ||
| Q3 24 | $73.7M | $167.0M | ||
| Q2 24 | $75.4M | $258.0M |
毛利率KMPRMAS
| Q1 26 | — | 35.8% | ||
| Q4 25 | — | 33.9% | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | 37.6% | ||
| Q1 25 | — | 35.8% | ||
| Q4 24 | — | 34.8% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 37.5% |
营业利润率KMPRMAS
| Q1 26 | — | 16.5% | ||
| Q4 25 | — | 13.8% | ||
| Q3 25 | — | 15.8% | ||
| Q2 25 | — | 20.1% | ||
| Q1 25 | — | 15.9% | ||
| Q4 24 | — | 15.9% | ||
| Q3 24 | 11.2% | 18.0% | ||
| Q2 24 | 10.1% | 19.0% |
净利率KMPRMAS
| Q1 26 | — | 11.9% | ||
| Q4 25 | -0.7% | 9.2% | ||
| Q3 25 | -1.7% | 9.9% | ||
| Q2 25 | 5.9% | 13.2% | ||
| Q1 25 | 8.4% | 10.3% | ||
| Q4 24 | 8.2% | 10.0% | ||
| Q3 24 | 6.3% | 8.4% | ||
| Q2 24 | 6.7% | 12.3% |
每股收益（稀释后）KMPRMAS
| Q1 26 | — | — | ||
| Q4 25 | $-0.03 | $0.81 | ||
| Q3 25 | $-0.34 | $0.90 | ||
| Q2 25 | $1.12 | $1.28 | ||
| Q1 25 | $1.54 | $0.87 | ||
| Q4 24 | $1.51 | $0.85 | ||
| Q3 24 | $1.14 | $0.77 | ||
| Q2 24 | $1.16 | $1.17 |
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 | — | — |
| 总债务越低越好 | $943.5M | $2.9B |
| 股东权益账面价值 | $2.7B | $27.0M |
| 总资产 | $12.5B | $5.2B |
| 负债/权益比越低杠杆越低 | 0.35× | 109.07× |
8季度趋势，按日历期对齐
现金及短期投资KMPRMAS
| Q1 26 | — | — | ||
| Q4 25 | — | $647.0M | ||
| Q3 25 | $371.2M | $559.0M | ||
| Q2 25 | $407.6M | $390.0M | ||
| Q1 25 | $545.3M | $377.0M | ||
| Q4 24 | $1.0B | $634.0M | ||
| Q3 24 | $696.9M | $646.0M | ||
| Q2 24 | $539.1M | $398.0M |
总债务KMPRMAS
| Q1 26 | — | $2.9B | ||
| Q4 25 | $943.5M | $2.9B | ||
| Q3 25 | $943.1M | — | ||
| Q2 25 | $942.6M | — | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | $2.9B | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — |
股东权益KMPRMAS
| Q1 26 | — | $27.0M | ||
| Q4 25 | $2.7B | $-185.0M | ||
| Q3 25 | $2.7B | $-78.0M | ||
| Q2 25 | $370.0M | $-84.0M | ||
| Q1 25 | $366.0M | $-254.0M | ||
| Q4 24 | $2.8B | $-279.0M | ||
| Q3 24 | $2.8B | $-88.0M | ||
| Q2 24 | $358.0M | $-26.0M |
总资产KMPRMAS
| Q1 26 | — | $5.2B | ||
| Q4 25 | $12.5B | $5.2B | ||
| Q3 25 | $12.4B | $5.3B | ||
| Q2 25 | $12.6B | $5.3B | ||
| Q1 25 | $12.5B | $5.1B | ||
| Q4 24 | $12.6B | $5.0B | ||
| Q3 24 | $12.6B | $5.3B | ||
| Q2 24 | $12.6B | $5.4B |
负债/权益比KMPRMAS
| Q1 26 | — | 109.07× | ||
| 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× | — |
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 | — |
| 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% | 1.8% |
| 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 | $553.9M | — |
8季度趋势，按日历期对齐
经营现金流KMPRMAS
| Q1 26 | — | — | ||
| Q4 25 | $175.0M | $418.0M | ||
| Q3 25 | $139.9M | $456.0M | ||
| Q2 25 | $89.6M | $306.0M | ||
| Q1 25 | $180.0M | $-158.0M | ||
| Q4 24 | $175.1M | $407.0M | ||
| Q3 24 | $141.9M | $416.0M | ||
| Q2 24 | $22.9M | $346.0M |
自由现金流KMPRMAS
| Q1 26 | — | — | ||
| Q4 25 | $166.2M | $371.0M | ||
| Q3 25 | $133.4M | $415.0M | ||
| Q2 25 | $82.0M | $270.0M | ||
| Q1 25 | $172.3M | $-190.0M | ||
| Q4 24 | $165.4M | $351.0M | ||
| Q3 24 | $131.4M | $378.0M | ||
| Q2 24 | $5.2M | $303.0M |
自由现金流率KMPRMAS
| Q1 26 | — | — | ||
| Q4 25 | 14.7% | 20.7% | ||
| Q3 25 | 10.8% | 21.6% | ||
| Q2 25 | 6.7% | 13.2% | ||
| Q1 25 | 14.4% | -10.5% | ||
| Q4 24 | 13.9% | 19.2% | ||
| Q3 24 | 11.1% | 19.1% | ||
| Q2 24 | 0.5% | 14.5% |
资本支出强度KMPRMAS
| Q1 26 | — | 1.8% | ||
| Q4 25 | 0.8% | 2.6% | ||
| Q3 25 | 0.5% | 2.1% | ||
| Q2 25 | 0.6% | 1.8% | ||
| Q1 25 | 0.6% | 1.8% | ||
| Q4 24 | 0.8% | 3.1% | ||
| Q3 24 | 0.9% | 1.9% | ||
| Q2 24 | 1.6% | 2.1% |
现金转化率KMPRMAS
| Q1 26 | — | — | ||
| Q4 25 | — | 2.53× | ||
| Q3 25 | — | 2.41× | ||
| Q2 25 | 1.23× | 1.13× | ||
| Q1 25 | 1.81× | -0.85× | ||
| Q4 24 | 1.80× | 2.24× | ||
| Q3 24 | 1.93× | 2.49× | ||
| Q2 24 | 0.30× | 1.34× |
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% |
MAS
暂无分部数据
