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KEMPER Corp（KMPR）与利氏兄弟拍卖行（RBA）财务数据对比。点击上方公司名可切换其他公司
利氏兄弟拍卖行的季度营收约是KEMPER Corp的1.1倍（$1.2B vs $1.1B），利氏兄弟拍卖行净利率更高（9.1% vs -0.7%，领先9.8%），利氏兄弟拍卖行同比增速更快（5.4% vs -4.7%），利氏兄弟拍卖行自由现金流更多（$186.5M vs $166.2M），过去两年利氏兄弟拍卖行的营收复合增速更高（6.3% 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。
利氏兄弟拍卖行（股票代码RBA）是全球知名的工业资产拍卖服务商，注册地位于加拿大，属公开上市企业，总部设在美国伊利诺伊州韦斯特切斯特，普通股同时在多伦多证券交易所与纽约证券交易所挂牌交易。
KMPR vs RBA — 直观对比
营收规模更大
RBA
是对方的1.1倍
$1.1B
营收增速更快
RBA
高出10.1%
-4.7%
净利率更高
RBA
高出9.8%
-0.7%
自由现金流更多
RBA
多$20.3M
$166.2M
两年增速更快
RBA
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.2B |
| 净利润 | $-8.0M | $109.7M |
| 毛利率 | — | — |
| 营业利润率 | — | 14.7% |
| 净利率 | -0.7% | 9.1% |
| 营收同比 | -4.7% | 5.4% |
| 净利润同比 | -108.2% | -7.4% |
| 每股收益（稀释后） | $-0.03 | $0.53 |
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KMPRRBA
| Q4 25 | $1.1B | $1.2B | ||
| Q3 25 | $1.2B | $1.1B | ||
| Q2 25 | $1.2B | $1.2B | ||
| Q1 25 | $1.2B | $1.1B | ||
| Q4 24 | $1.2B | $1.1B | ||
| Q3 24 | $1.2B | $981.8M | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.1B | $1.1B |
净利润KMPRRBA
| Q4 25 | $-8.0M | $109.7M | ||
| Q3 25 | $-21.0M | $95.5M | ||
| Q2 25 | $72.6M | $109.8M | ||
| Q1 25 | $99.7M | $113.4M | ||
| Q4 24 | $97.4M | $118.5M | ||
| Q3 24 | $73.7M | $76.1M | ||
| Q2 24 | $75.4M | $111.1M | ||
| Q1 24 | $71.3M | $107.4M |
营业利润率KMPRRBA
| Q4 25 | — | 14.7% | ||
| Q3 25 | — | 14.5% | ||
| Q2 25 | — | 15.9% | ||
| Q1 25 | — | 17.1% | ||
| Q4 24 | — | 18.1% | ||
| Q3 24 | 11.2% | 15.6% | ||
| Q2 24 | 10.1% | 18.4% | ||
| Q1 24 | 7.6% | 18.7% |
净利率KMPRRBA
| Q4 25 | -0.7% | 9.1% | ||
| Q3 25 | -1.7% | 8.7% | ||
| Q2 25 | 5.9% | 9.3% | ||
| Q1 25 | 8.4% | 10.2% | ||
| Q4 24 | 8.2% | 10.4% | ||
| Q3 24 | 6.3% | 7.8% | ||
| Q2 24 | 6.7% | 10.1% | ||
| Q1 24 | 6.2% | 10.1% |
每股收益（稀释后）KMPRRBA
| Q4 25 | $-0.03 | $0.53 | ||
| Q3 25 | $-0.34 | $0.43 | ||
| Q2 25 | $1.12 | $0.53 | ||
| Q1 25 | $1.54 | $0.55 | ||
| Q4 24 | $1.51 | $0.58 | ||
| Q3 24 | $1.14 | $0.36 | ||
| Q2 24 | $1.16 | $0.54 | ||
| Q1 24 | $1.10 | $0.53 |
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 | — | $531.5M |
| 总债务越低越好 | $943.5M | $2.3B |
| 股东权益账面价值 | $2.7B | $5.6B |
| 总资产 | $12.5B | $12.1B |
| 负债/权益比越低杠杆越低 | 0.35× | 0.42× |
8季度趋势，按日历期对齐
现金及短期投资KMPRRBA
| Q4 25 | — | $531.5M | ||
| Q3 25 | $371.2M | $674.7M | ||
| Q2 25 | $407.6M | $710.2M | ||
| Q1 25 | $545.3M | $578.1M | ||
| Q4 24 | $1.0B | $533.9M | ||
| Q3 24 | $696.9M | $650.7M | ||
| Q2 24 | $539.1M | $599.5M | ||
| Q1 24 | $520.7M | $462.8M |
总债务KMPRRBA
| Q4 25 | $943.5M | $2.3B | ||
| Q3 25 | $943.1M | $2.6B | ||
| Q2 25 | $942.6M | $2.6B | ||
| Q1 25 | $942.1M | $2.6B | ||
| Q4 24 | $1.4B | $2.6B | ||
| Q3 24 | $1.4B | $2.7B | ||
| Q2 24 | $1.4B | $2.8B | ||
| Q1 24 | $1.4B | $2.9B |
股东权益KMPRRBA
| Q4 25 | $2.7B | $5.6B | ||
| Q3 25 | $2.7B | $5.5B | ||
| Q2 25 | $370.0M | $5.5B | ||
| Q1 25 | $366.0M | $5.3B | ||
| Q4 24 | $2.8B | $5.2B | ||
| Q3 24 | $2.8B | $5.2B | ||
| Q2 24 | $358.0M | $5.2B | ||
| Q1 24 | $2.6B | $5.1B |
总资产KMPRRBA
| Q4 25 | $12.5B | $12.1B | ||
| Q3 25 | $12.4B | $12.2B | ||
| Q2 25 | $12.6B | $12.2B | ||
| Q1 25 | $12.5B | $11.9B | ||
| Q4 24 | $12.6B | $11.8B | ||
| Q3 24 | $12.6B | $11.9B | ||
| Q2 24 | $12.6B | $12.1B | ||
| Q1 24 | $12.6B | $12.0B |
负债/权益比KMPRRBA
| Q4 25 | 0.35× | 0.42× | ||
| Q3 25 | 0.35× | 0.47× | ||
| Q2 25 | 2.55× | 0.47× | ||
| Q1 25 | 2.57× | 0.50× | ||
| Q4 24 | 0.50× | 0.50× | ||
| Q3 24 | 0.50× | 0.52× | ||
| Q2 24 | 3.88× | 0.55× | ||
| Q1 24 | 0.54× | 0.58× |
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 | $255.2M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $186.5M |
| 自由现金流率自由现金流/营收 | 14.7% | 15.5% |
| 资本支出强度资本支出/营收 | 0.8% | 5.7% |
| 现金转化率经营现金流/净利润 | — | 2.33× |
| 过去12个月自由现金流最近4个季度 | $553.9M | $719.2M |
8季度趋势，按日历期对齐
经营现金流KMPRRBA
| Q4 25 | $175.0M | $255.2M | ||
| Q3 25 | $139.9M | $239.7M | ||
| Q2 25 | $89.6M | $326.5M | ||
| Q1 25 | $180.0M | $156.8M | ||
| Q4 24 | $175.1M | $184.5M | ||
| Q3 24 | $141.9M | $285.4M | ||
| Q2 24 | $22.9M | $337.3M | ||
| Q1 24 | $43.0M | $124.8M |
自由现金流KMPRRBA
| Q4 25 | $166.2M | $186.5M | ||
| Q3 25 | $133.4M | $188.5M | ||
| Q2 25 | $82.0M | $241.7M | ||
| Q1 25 | $172.3M | $102.5M | ||
| Q4 24 | $165.4M | $127.9M | ||
| Q3 24 | $131.4M | $248.5M | ||
| Q2 24 | $5.2M | $308.6M | ||
| Q1 24 | $27.7M | $79.6M |
自由现金流率KMPRRBA
| Q4 25 | 14.7% | 15.5% | ||
| Q3 25 | 10.8% | 17.3% | ||
| Q2 25 | 6.7% | 20.4% | ||
| Q1 25 | 14.4% | 9.2% | ||
| Q4 24 | 13.9% | 11.2% | ||
| Q3 24 | 11.1% | 25.3% | ||
| Q2 24 | 0.5% | 28.2% | ||
| Q1 24 | 2.4% | 7.5% |
资本支出强度KMPRRBA
| Q4 25 | 0.8% | 5.7% | ||
| Q3 25 | 0.5% | 4.7% | ||
| Q2 25 | 0.6% | 7.2% | ||
| Q1 25 | 0.6% | 4.9% | ||
| Q4 24 | 0.8% | 5.0% | ||
| Q3 24 | 0.9% | 3.8% | ||
| Q2 24 | 1.6% | 2.6% | ||
| Q1 24 | 1.3% | 4.2% |
现金转化率KMPRRBA
| Q4 25 | — | 2.33× | ||
| Q3 25 | — | 2.51× | ||
| Q2 25 | 1.23× | 2.97× | ||
| Q1 25 | 1.81× | 1.38× | ||
| Q4 24 | 1.80× | 1.56× | ||
| Q3 24 | 1.93× | 3.75× | ||
| Q2 24 | 0.30× | 3.04× | ||
| Q1 24 | 0.60× | 1.16× |
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% |
RBA
| Buyer Revenue | $577.2M | 48% |
| Seller Revenue | $255.2M | 21% |
| CA | $199.0M | 17% |
| Other | $124.7M | 10% |
| AU | $47.3M | 4% |
