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KEMPER Corp（KMPR）与Cloudflare, Inc.（NET）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Cloudflare, Inc.的1.8倍（$1.1B vs $614.5M），KEMPER Corp净利率更高（-0.7% vs -2.0%，领先1.3%），Cloudflare, Inc.同比增速更快（33.6% vs -4.7%），KEMPER Corp自由现金流更多（$166.2M vs $105.2M），过去两年Cloudflare, Inc.的营收复合增速更高（27.4% 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。
Cloudflare是总部位于美国加利福尼亚州旧金山的科技企业，提供内容分发网络（CDN）、云网络安全、DDoS防护等多元互联网服务，同时是ICANN认证的域名注册商。其服务作为网站访客与客户托管服务商之间的反向代理，可有效提升访问性能，抵御恶意流量。
KMPR vs NET — 直观对比
营收规模更大
KMPR
是对方的1.8倍
$614.5M
营收增速更快
NET
高出38.3%
-4.7%
净利率更高
KMPR
高出1.3%
-2.0%
自由现金流更多
KMPR
多$61.0M
$105.2M
两年增速更快
NET
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $614.5M |
| 净利润 | $-8.0M | $-12.1M |
| 毛利率 | — | 73.6% |
| 营业利润率 | — | -8.0% |
| 净利率 | -0.7% | -2.0% |
| 营收同比 | -4.7% | 33.6% |
| 净利润同比 | -108.2% | 6.0% |
| 每股收益（稀释后） | $-0.03 | $-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KMPRNET
| Q4 25 | $1.1B | $614.5M | ||
| Q3 25 | $1.2B | $562.0M | ||
| Q2 25 | $1.2B | $512.3M | ||
| Q1 25 | $1.2B | $479.1M | ||
| Q4 24 | $1.2B | $459.9M | ||
| Q3 24 | $1.2B | $430.1M | ||
| Q2 24 | $1.1B | $401.0M | ||
| Q1 24 | $1.1B | $378.6M |
净利润KMPRNET
| Q4 25 | $-8.0M | $-12.1M | ||
| Q3 25 | $-21.0M | $-1.3M | ||
| Q2 25 | $72.6M | $-50.4M | ||
| Q1 25 | $99.7M | $-38.5M | ||
| Q4 24 | $97.4M | $-12.8M | ||
| Q3 24 | $73.7M | $-15.3M | ||
| Q2 24 | $75.4M | $-15.1M | ||
| Q1 24 | $71.3M | $-35.5M |
毛利率KMPRNET
| Q4 25 | — | 73.6% | ||
| Q3 25 | — | 74.0% | ||
| Q2 25 | — | 74.9% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.4% | ||
| Q3 24 | — | 77.7% | ||
| Q2 24 | — | 77.8% | ||
| Q1 24 | — | 77.5% |
营业利润率KMPRNET
| Q4 25 | — | -8.0% | ||
| Q3 25 | — | -6.7% | ||
| Q2 25 | — | -13.1% | ||
| Q1 25 | — | -11.1% | ||
| Q4 24 | — | -7.5% | ||
| Q3 24 | 11.2% | -7.2% | ||
| Q2 24 | 10.1% | -8.7% | ||
| Q1 24 | 7.6% | -14.4% |
净利率KMPRNET
| Q4 25 | -0.7% | -2.0% | ||
| Q3 25 | -1.7% | -0.2% | ||
| Q2 25 | 5.9% | -9.8% | ||
| Q1 25 | 8.4% | -8.0% | ||
| Q4 24 | 8.2% | -2.8% | ||
| Q3 24 | 6.3% | -3.6% | ||
| Q2 24 | 6.7% | -3.8% | ||
| Q1 24 | 6.2% | -9.4% |
每股收益（稀释后）KMPRNET
| Q4 25 | $-0.03 | $-0.03 | ||
| Q3 25 | $-0.34 | $0.00 | ||
| Q2 25 | $1.12 | $-0.15 | ||
| Q1 25 | $1.54 | $-0.11 | ||
| Q4 24 | $1.51 | $-0.05 | ||
| Q3 24 | $1.14 | $-0.04 | ||
| Q2 24 | $1.16 | $-0.04 | ||
| Q1 24 | $1.10 | $-0.10 |
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 | — | $943.5M |
| 总债务越低越好 | $943.5M | — |
| 股东权益账面价值 | $2.7B | $1.5B |
| 总资产 | $12.5B | $6.0B |
| 负债/权益比越低杠杆越低 | 0.35× | — |
8季度趋势，按日历期对齐
现金及短期投资KMPRNET
| Q4 25 | — | $943.5M | ||
| Q3 25 | $371.2M | $1.1B | ||
| Q2 25 | $407.6M | $1.5B | ||
| Q1 25 | $545.3M | $204.5M | ||
| Q4 24 | $1.0B | $147.7M | ||
| Q3 24 | $696.9M | $182.9M | ||
| Q2 24 | $539.1M | $157.0M | ||
| Q1 24 | $520.7M | $254.4M |
总债务KMPRNET
| Q4 25 | $943.5M | — | ||
| Q3 25 | $943.1M | — | ||
| Q2 25 | $942.6M | — | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
股东权益KMPRNET
| Q4 25 | $2.7B | $1.5B | ||
| Q3 25 | $2.7B | $1.3B | ||
| Q2 25 | $370.0M | $1.2B | ||
| Q1 25 | $366.0M | $1.4B | ||
| Q4 24 | $2.8B | $1.0B | ||
| Q3 24 | $2.8B | $973.1M | ||
| Q2 24 | $358.0M | $881.5M | ||
| Q1 24 | $2.6B | $797.2M |
总资产KMPRNET
| Q4 25 | $12.5B | $6.0B | ||
| Q3 25 | $12.4B | $5.8B | ||
| Q2 25 | $12.6B | $5.6B | ||
| Q1 25 | $12.5B | $3.7B | ||
| Q4 24 | $12.6B | $3.3B | ||
| Q3 24 | $12.6B | $3.1B | ||
| Q2 24 | $12.6B | $2.9B | ||
| Q1 24 | $12.6B | $2.8B |
负债/权益比KMPRNET
| 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× | — | ||
| Q1 24 | 0.54× | — |
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 | $190.4M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $105.2M |
| 自由现金流率自由现金流/营收 | 14.7% | 17.1% |
| 资本支出强度资本支出/营收 | 0.8% | 13.9% |
| 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 | $287.5M |
8季度趋势，按日历期对齐
经营现金流KMPRNET
| Q4 25 | $175.0M | $190.4M | ||
| Q3 25 | $139.9M | $167.1M | ||
| Q2 25 | $89.6M | $99.8M | ||
| Q1 25 | $180.0M | $145.8M | ||
| Q4 24 | $175.1M | $127.3M | ||
| Q3 24 | $141.9M | $104.7M | ||
| Q2 24 | $22.9M | $74.8M | ||
| Q1 24 | $43.0M | $73.6M |
自由现金流KMPRNET
| Q4 25 | $166.2M | $105.2M | ||
| Q3 25 | $133.4M | $82.5M | ||
| Q2 25 | $82.0M | $39.9M | ||
| Q1 25 | $172.3M | $59.9M | ||
| Q4 24 | $165.4M | $54.2M | ||
| Q3 24 | $131.4M | $54.5M | ||
| Q2 24 | $5.2M | $45.2M | ||
| Q1 24 | $27.7M | $41.5M |
自由现金流率KMPRNET
| Q4 25 | 14.7% | 17.1% | ||
| Q3 25 | 10.8% | 14.7% | ||
| Q2 25 | 6.7% | 7.8% | ||
| Q1 25 | 14.4% | 12.5% | ||
| Q4 24 | 13.9% | 11.8% | ||
| Q3 24 | 11.1% | 12.7% | ||
| Q2 24 | 0.5% | 11.3% | ||
| Q1 24 | 2.4% | 11.0% |
资本支出强度KMPRNET
| Q4 25 | 0.8% | 13.9% | ||
| Q3 25 | 0.5% | 15.1% | ||
| Q2 25 | 0.6% | 11.7% | ||
| Q1 25 | 0.6% | 17.9% | ||
| Q4 24 | 0.8% | 15.9% | ||
| Q3 24 | 0.9% | 11.7% | ||
| Q2 24 | 1.6% | 7.4% | ||
| Q1 24 | 1.3% | 8.5% |
现金转化率KMPRNET
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.81× | — | ||
| Q4 24 | 1.80× | — | ||
| Q3 24 | 1.93× | — | ||
| Q2 24 | 0.30× | — | ||
| Q1 24 | 0.60× | — |
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% |
NET
| Sales Channel Directly To Consumer | $438.5M | 71% |
| Sales Channel Through Intermediary | $176.0M | 29% |
