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KEMPER Corp（KMPR）与Reddit, Inc.（RDDT）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Reddit, Inc.的1.6倍（$1.1B vs $725.6M），Reddit, Inc.净利率更高（34.7% vs -0.7%，领先35.4%），Reddit, Inc.同比增速更快（69.7% vs -4.7%），Reddit, Inc.自由现金流更多（$263.6M vs $166.2M），过去两年Reddit, Inc.的营收复合增速更高（72.8% 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。
Reddit是美国知名的社交新闻聚合与论坛类社交媒体平台，注册用户可发布链接、文字帖、图片、视频等各类内容，其他用户可对内容进行点赞或点踩，内容按主题归类到用户创建的子板块中，获赞更高的内容会排在板块前列，热度足够的内容还将展示在全站首页。
KMPR vs RDDT — 直观对比
营收规模更大
KMPR
是对方的1.6倍
$725.6M
营收增速更快
RDDT
高出74.3%
-4.7%
净利率更高
RDDT
高出35.4%
-0.7%
自由现金流更多
RDDT
多$97.4M
$166.2M
两年增速更快
RDDT
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $725.6M |
| 净利润 | $-8.0M | $251.6M |
| 毛利率 | — | 91.9% |
| 营业利润率 | — | 31.9% |
| 净利率 | -0.7% | 34.7% |
| 营收同比 | -4.7% | 69.7% |
| 净利润同比 | -108.2% | 254.2% |
| 每股收益（稀释后） | $-0.03 | $1.24 |
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KMPRRDDT
| Q4 25 | $1.1B | $725.6M | ||
| Q3 25 | $1.2B | $584.9M | ||
| Q2 25 | $1.2B | $499.6M | ||
| Q1 25 | $1.2B | $392.4M | ||
| Q4 24 | $1.2B | $427.7M | ||
| Q3 24 | $1.2B | $348.4M | ||
| Q2 24 | $1.1B | $281.2M | ||
| Q1 24 | $1.1B | $243.0M |
净利润KMPRRDDT
| Q4 25 | $-8.0M | $251.6M | ||
| Q3 25 | $-21.0M | $162.7M | ||
| Q2 25 | $72.6M | $89.3M | ||
| Q1 25 | $99.7M | $26.2M | ||
| Q4 24 | $97.4M | $71.0M | ||
| Q3 24 | $73.7M | $29.9M | ||
| Q2 24 | $75.4M | $-10.1M | ||
| Q1 24 | $71.3M | $-575.1M |
毛利率KMPRRDDT
| Q4 25 | — | 91.9% | ||
| Q3 25 | — | 91.0% | ||
| Q2 25 | — | 90.8% | ||
| Q1 25 | — | 90.5% | ||
| Q4 24 | — | 92.6% | ||
| Q3 24 | — | 90.1% | ||
| Q2 24 | — | 89.5% | ||
| Q1 24 | — | 88.6% |
营业利润率KMPRRDDT
| Q4 25 | — | 31.9% | ||
| Q3 25 | — | 23.7% | ||
| Q2 25 | — | 13.6% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 12.4% | ||
| Q3 24 | 11.2% | 2.0% | ||
| Q2 24 | 10.1% | -11.0% | ||
| Q1 24 | 7.6% | -242.5% |
净利率KMPRRDDT
| Q4 25 | -0.7% | 34.7% | ||
| Q3 25 | -1.7% | 27.8% | ||
| Q2 25 | 5.9% | 17.9% | ||
| Q1 25 | 8.4% | 6.7% | ||
| Q4 24 | 8.2% | 16.6% | ||
| Q3 24 | 6.3% | 8.6% | ||
| Q2 24 | 6.7% | -3.6% | ||
| Q1 24 | 6.2% | -236.7% |
每股收益（稀释后）KMPRRDDT
| Q4 25 | $-0.03 | $1.24 | ||
| Q3 25 | $-0.34 | $0.80 | ||
| Q2 25 | $1.12 | $0.45 | ||
| Q1 25 | $1.54 | $0.13 | ||
| Q4 24 | $1.51 | $4.76 | ||
| Q3 24 | $1.14 | $0.16 | ||
| Q2 24 | $1.16 | $-0.06 | ||
| Q1 24 | $1.10 | $-8.19 |
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 | — | $953.6M |
| 总债务越低越好 | $943.5M | — |
| 股东权益账面价值 | $2.7B | $2.9B |
| 总资产 | $12.5B | $3.2B |
| 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KMPRRDDT
| Q4 25 | — | $953.6M | ||
| Q3 25 | $371.2M | $911.7M | ||
| Q2 25 | $407.6M | $734.1M | ||
| Q1 25 | $545.3M | $635.7M | ||
| Q4 24 | $1.0B | $562.1M | ||
| Q3 24 | $696.9M | $515.9M | ||
| Q2 24 | $539.1M | $468.0M | ||
| Q1 24 | $520.7M | $968.5M |
总债务KMPRRDDT
| 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KMPRRDDT
| Q4 25 | $2.7B | $2.9B | ||
| Q3 25 | $2.7B | $2.6B | ||
| Q2 25 | $370.0M | $2.4B | ||
| Q1 25 | $366.0M | $2.2B | ||
| Q4 24 | $2.8B | $2.1B | ||
| Q3 24 | $2.8B | $2.0B | ||
| Q2 24 | $358.0M | $1.9B | ||
| Q1 24 | $2.6B | $1.8B |
总资产KMPRRDDT
| Q4 25 | $12.5B | $3.2B | ||
| Q3 25 | $12.4B | $2.9B | ||
| Q2 25 | $12.6B | $2.6B | ||
| Q1 25 | $12.5B | $2.4B | ||
| Q4 24 | $12.6B | $2.3B | ||
| Q3 24 | $12.6B | $2.2B | ||
| Q2 24 | $12.6B | $2.1B | ||
| Q1 24 | $12.6B | $2.0B |
负债/权益比KMPRRDDT
| 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 | $266.8M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $263.6M |
| 自由现金流率自由现金流/营收 | 14.7% | 36.3% |
| 资本支出强度资本支出/营收 | 0.8% | 0.4% |
| 现金转化率经营现金流/净利润 | — | 1.06× |
| 过去12个月自由现金流最近4个季度 | $553.9M | $684.2M |
8季度趋势，按日历期对齐
经营现金流KMPRRDDT
| Q4 25 | $175.0M | $266.8M | ||
| Q3 25 | $139.9M | $185.2M | ||
| Q2 25 | $89.6M | $111.3M | ||
| Q1 25 | $180.0M | $127.6M | ||
| Q4 24 | $175.1M | $90.0M | ||
| Q3 24 | $141.9M | $71.6M | ||
| Q2 24 | $22.9M | $28.4M | ||
| Q1 24 | $43.0M | $32.1M |
自由现金流KMPRRDDT
| Q4 25 | $166.2M | $263.6M | ||
| Q3 25 | $133.4M | $183.1M | ||
| Q2 25 | $82.0M | $110.8M | ||
| Q1 25 | $172.3M | $126.6M | ||
| Q4 24 | $165.4M | $89.2M | ||
| Q3 24 | $131.4M | $70.3M | ||
| Q2 24 | $5.2M | $27.2M | ||
| Q1 24 | $27.7M | $29.2M |
自由现金流率KMPRRDDT
| Q4 25 | 14.7% | 36.3% | ||
| Q3 25 | 10.8% | 31.3% | ||
| Q2 25 | 6.7% | 22.2% | ||
| Q1 25 | 14.4% | 32.3% | ||
| Q4 24 | 13.9% | 20.8% | ||
| Q3 24 | 11.1% | 20.2% | ||
| Q2 24 | 0.5% | 9.7% | ||
| Q1 24 | 2.4% | 12.0% |
资本支出强度KMPRRDDT
| Q4 25 | 0.8% | 0.4% | ||
| Q3 25 | 0.5% | 0.4% | ||
| Q2 25 | 0.6% | 0.1% | ||
| Q1 25 | 0.6% | 0.2% | ||
| Q4 24 | 0.8% | 0.2% | ||
| Q3 24 | 0.9% | 0.4% | ||
| Q2 24 | 1.6% | 0.4% | ||
| Q1 24 | 1.3% | 1.2% |
现金转化率KMPRRDDT
| Q4 25 | — | 1.06× | ||
| Q3 25 | — | 1.14× | ||
| Q2 25 | 1.23× | 1.25× | ||
| Q1 25 | 1.81× | 4.88× | ||
| Q4 24 | 1.80× | 1.27× | ||
| Q3 24 | 1.93× | 2.40× | ||
| 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% |
RDDT
| Advertising | $689.7M | 95% |
| Other Revenue | $35.9M | 5% |
