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KEMPER Corp（KMPR）与Palomar Holdings, Inc.（PLMR）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Palomar Holdings, Inc.的4.5倍（$1.1B vs $253.4M），Palomar Holdings, Inc.同比增速更快（62.7% vs -4.7%），Palomar Holdings, Inc.自由现金流更多（$409.0M vs $166.2M），过去两年Palomar Holdings, Inc.的营收复合增速更高（46.2% 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。
Palomar Holdings, Inc.是一家专业保险控股企业，主要为存在巨灾风险敞口的住宅及商业资产提供财产保险产品，业务范围覆盖美国全境，核心业务板块包含地震、洪水、风暴等高危财产保障服务。
KMPR vs PLMR — 直观对比
营收规模更大
KMPR
是对方的4.5倍
$253.4M
营收增速更快
PLMR
高出67.3%
-4.7%
自由现金流更多
PLMR
多$242.8M
$166.2M
两年增速更快
PLMR
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $253.4M |
| 净利润 | $-8.0M | — |
| 毛利率 | — | — |
| 营业利润率 | — | 28.7% |
| 净利率 | -0.7% | — |
| 营收同比 | -4.7% | 62.7% |
| 净利润同比 | -108.2% | — |
| 每股收益（稀释后） | $-0.03 | $2.05 |
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KMPRPLMR
| Q4 25 | $1.1B | $253.4M | ||
| Q3 25 | $1.2B | $244.7M | ||
| Q2 25 | $1.2B | $203.3M | ||
| Q1 25 | $1.2B | $174.6M | ||
| Q4 24 | $1.2B | $155.8M | ||
| Q3 24 | $1.2B | $148.5M | ||
| Q2 24 | $1.1B | $131.1M | ||
| Q1 24 | $1.1B | $118.5M |
净利润KMPRPLMR
| Q4 25 | $-8.0M | — | ||
| Q3 25 | $-21.0M | $51.5M | ||
| Q2 25 | $72.6M | $46.5M | ||
| Q1 25 | $99.7M | $42.9M | ||
| Q4 24 | $97.4M | — | ||
| Q3 24 | $73.7M | $30.5M | ||
| Q2 24 | $75.4M | $25.7M | ||
| Q1 24 | $71.3M | $26.4M |
营业利润率KMPRPLMR
| Q4 25 | — | 28.7% | ||
| Q3 25 | — | 27.4% | ||
| Q2 25 | — | 29.5% | ||
| Q1 25 | — | 30.8% | ||
| Q4 24 | — | 28.9% | ||
| Q3 24 | 11.2% | 25.9% | ||
| Q2 24 | 10.1% | 25.5% | ||
| Q1 24 | 7.6% | 29.0% |
净利率KMPRPLMR
| Q4 25 | -0.7% | — | ||
| Q3 25 | -1.7% | 21.0% | ||
| Q2 25 | 5.9% | 22.9% | ||
| Q1 25 | 8.4% | 24.6% | ||
| Q4 24 | 8.2% | — | ||
| Q3 24 | 6.3% | 20.5% | ||
| Q2 24 | 6.7% | 19.6% | ||
| Q1 24 | 6.2% | 22.3% |
每股收益（稀释后）KMPRPLMR
| Q4 25 | $-0.03 | $2.05 | ||
| Q3 25 | $-0.34 | $1.87 | ||
| Q2 25 | $1.12 | $1.68 | ||
| Q1 25 | $1.54 | $1.57 | ||
| Q4 24 | $1.51 | $1.29 | ||
| Q3 24 | $1.14 | $1.15 | ||
| Q2 24 | $1.16 | $1.00 | ||
| Q1 24 | $1.10 | $1.04 |
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 | — | $106.9M |
| 总债务越低越好 | $943.5M | — |
| 股东权益账面价值 | $2.7B | $942.7M |
| 总资产 | $12.5B | $3.1B |
| 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KMPRPLMR
| Q4 25 | — | $106.9M | ||
| Q3 25 | $371.2M | $111.7M | ||
| Q2 25 | $407.6M | $81.3M | ||
| Q1 25 | $545.3M | $119.3M | ||
| Q4 24 | $1.0B | $80.4M | ||
| Q3 24 | $696.9M | $86.5M | ||
| Q2 24 | $539.1M | $47.8M | ||
| Q1 24 | $520.7M | $61.4M |
总债务KMPRPLMR
| 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KMPRPLMR
| Q4 25 | $2.7B | $942.7M | ||
| Q3 25 | $2.7B | $878.1M | ||
| Q2 25 | $370.0M | $847.2M | ||
| Q1 25 | $366.0M | $790.4M | ||
| Q4 24 | $2.8B | $729.0M | ||
| Q3 24 | $2.8B | $703.3M | ||
| Q2 24 | $358.0M | $532.6M | ||
| Q1 24 | $2.6B | $501.7M |
总资产KMPRPLMR
| Q4 25 | $12.5B | $3.1B | ||
| Q3 25 | $12.4B | $2.9B | ||
| Q2 25 | $12.6B | $2.8B | ||
| Q1 25 | $12.5B | $2.4B | ||
| Q4 24 | $12.6B | $2.3B | ||
| Q3 24 | $12.6B | $2.3B | ||
| Q2 24 | $12.6B | $2.0B | ||
| Q1 24 | $12.6B | $1.9B |
负债/权益比KMPRPLMR
| 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 | $409.1M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $409.0M |
| 自由现金流率自由现金流/营收 | 14.7% | 161.4% |
| 资本支出强度资本支出/营收 | 0.8% | 0.1% |
| 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 | $700.6M |
8季度趋势，按日历期对齐
经营现金流KMPRPLMR
| Q4 25 | $175.0M | $409.1M | ||
| Q3 25 | $139.9M | $83.6M | ||
| Q2 25 | $89.6M | $120.9M | ||
| Q1 25 | $180.0M | $87.2M | ||
| Q4 24 | $175.1M | $261.2M | ||
| Q3 24 | $141.9M | $100.3M | ||
| Q2 24 | $22.9M | $55.1M | ||
| Q1 24 | $43.0M | $33.1M |
自由现金流KMPRPLMR
| Q4 25 | $166.2M | $409.0M | ||
| Q3 25 | $133.4M | $83.6M | ||
| Q2 25 | $82.0M | $120.8M | ||
| Q1 25 | $172.3M | $87.1M | ||
| Q4 24 | $165.4M | $260.9M | ||
| Q3 24 | $131.4M | $100.1M | ||
| Q2 24 | $5.2M | — | ||
| Q1 24 | $27.7M | — |
自由现金流率KMPRPLMR
| Q4 25 | 14.7% | 161.4% | ||
| Q3 25 | 10.8% | 34.2% | ||
| Q2 25 | 6.7% | 59.4% | ||
| Q1 25 | 14.4% | 49.9% | ||
| Q4 24 | 13.9% | 167.5% | ||
| Q3 24 | 11.1% | 67.4% | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 2.4% | — |
资本支出强度KMPRPLMR
| Q4 25 | 0.8% | 0.1% | ||
| Q3 25 | 0.5% | 0.0% | ||
| Q2 25 | 0.6% | 0.0% | ||
| Q1 25 | 0.6% | 0.0% | ||
| Q4 24 | 0.8% | 0.2% | ||
| Q3 24 | 0.9% | 0.1% | ||
| Q2 24 | 1.6% | 0.0% | ||
| Q1 24 | 1.3% | 0.0% |
现金转化率KMPRPLMR
| Q4 25 | — | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | 1.23× | 2.60× | ||
| Q1 25 | 1.81× | 2.03× | ||
| Q4 24 | 1.80× | — | ||
| Q3 24 | 1.93× | 3.29× | ||
| Q2 24 | 0.30× | 2.14× | ||
| Q1 24 | 0.60× | 1.26× |
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% |
PLMR
暂无分部数据
