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KEMPER Corp（KMPR）与REV Group, Inc.（REVG）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REV Group, Inc.的1.7倍（$1.1B vs $664.4M），REV Group, Inc.净利率更高（4.3% vs -0.7%，领先5.1%），REV Group, Inc.同比增速更快（11.1% vs -4.7%），KEMPER Corp自由现金流更多（$166.2M vs $53.7M），过去两年REV Group, Inc.的营收复合增速更高（6.5% 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。
REV Group是一家美国智能语音转文字服务提供商，总部位于旧金山和奥斯汀，成立于2010年，核心业务涵盖隐藏字幕制作、多语言字幕翻译及文字转录服务，曾获《PC Magazine》2018年编辑选择奖，2019年获评该杂志最佳转录服务提供商。
KMPR vs REVG — 直观对比
营收规模更大
KMPR
是对方的1.7倍
$664.4M
营收增速更快
REVG
高出15.8%
-4.7%
净利率更高
REVG
高出5.1%
-0.7%
自由现金流更多
KMPR
多$112.5M
$53.7M
两年增速更快
REVG
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $664.4M |
| 净利润 | $-8.0M | $28.9M |
| 毛利率 | — | 15.4% |
| 营业利润率 | — | 7.1% |
| 净利率 | -0.7% | 4.3% |
| 营收同比 | -4.7% | 11.1% |
| 净利润同比 | -108.2% | -30.7% |
| 每股收益（稀释后） | $-0.03 | $0.57 |
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KMPRREVG
| Q4 25 | $1.1B | $664.4M | ||
| Q3 25 | $1.2B | $644.9M | ||
| Q2 25 | $1.2B | $629.1M | ||
| Q1 25 | $1.2B | $525.1M | ||
| Q4 24 | $1.2B | $597.9M | ||
| Q3 24 | $1.2B | $579.4M | ||
| Q2 24 | $1.1B | $616.9M | ||
| Q1 24 | $1.1B | $586.0M |
净利润KMPRREVG
| Q4 25 | $-8.0M | $28.9M | ||
| Q3 25 | $-21.0M | $29.1M | ||
| Q2 25 | $72.6M | $19.0M | ||
| Q1 25 | $99.7M | $18.2M | ||
| Q4 24 | $97.4M | $41.7M | ||
| Q3 24 | $73.7M | $18.0M | ||
| Q2 24 | $75.4M | $15.2M | ||
| Q1 24 | $71.3M | $182.7M |
毛利率KMPRREVG
| Q4 25 | — | 15.4% | ||
| Q3 25 | — | 15.8% | ||
| Q2 25 | — | 15.2% | ||
| Q1 25 | — | 13.3% | ||
| Q4 24 | — | 13.2% | ||
| Q3 24 | — | 13.5% | ||
| Q2 24 | — | 12.5% | ||
| Q1 24 | — | 10.7% |
营业利润率KMPRREVG
| Q4 25 | — | 7.1% | ||
| Q3 25 | — | 8.8% | ||
| Q2 25 | — | 7.9% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | — | 5.8% | ||
| Q3 24 | 11.2% | 4.9% | ||
| Q2 24 | 10.1% | 3.7% | ||
| Q1 24 | 7.6% | -1.1% |
净利率KMPRREVG
| Q4 25 | -0.7% | 4.3% | ||
| Q3 25 | -1.7% | 4.5% | ||
| Q2 25 | 5.9% | 3.0% | ||
| Q1 25 | 8.4% | 3.5% | ||
| Q4 24 | 8.2% | 7.0% | ||
| Q3 24 | 6.3% | 3.1% | ||
| Q2 24 | 6.7% | 2.5% | ||
| Q1 24 | 6.2% | 31.2% |
每股收益（稀释后）KMPRREVG
| Q4 25 | $-0.03 | $0.57 | ||
| Q3 25 | $-0.34 | $0.59 | ||
| Q2 25 | $1.12 | $0.38 | ||
| Q1 25 | $1.54 | $0.35 | ||
| Q4 24 | $1.51 | $1.03 | ||
| Q3 24 | $1.14 | $0.35 | ||
| Q2 24 | $1.16 | $0.28 | ||
| Q1 24 | $1.10 | $3.06 |
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 | — | $34.7M |
| 总债务越低越好 | $943.5M | — |
| 股东权益账面价值 | $2.7B | $416.3M |
| 总资产 | $12.5B | $1.2B |
| 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KMPRREVG
| Q4 25 | — | $34.7M | ||
| Q3 25 | $371.2M | $36.0M | ||
| Q2 25 | $407.6M | $28.8M | ||
| Q1 25 | $545.3M | $31.6M | ||
| Q4 24 | $1.0B | $24.6M | ||
| Q3 24 | $696.9M | $50.5M | ||
| Q2 24 | $539.1M | $38.2M | ||
| Q1 24 | $520.7M | $87.9M |
总债务KMPRREVG
| 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KMPRREVG
| Q4 25 | $2.7B | $416.3M | ||
| Q3 25 | $2.7B | $387.3M | ||
| Q2 25 | $370.0M | $357.8M | ||
| Q1 25 | $366.0M | $428.8M | ||
| Q4 24 | $2.8B | $435.1M | ||
| Q3 24 | $2.8B | $394.6M | ||
| Q2 24 | $358.0M | $379.7M | ||
| Q1 24 | $2.6B | $496.1M |
总资产KMPRREVG
| Q4 25 | $12.5B | $1.2B | ||
| Q3 25 | $12.4B | $1.2B | ||
| Q2 25 | $12.6B | $1.2B | ||
| Q1 25 | $12.5B | $1.2B | ||
| Q4 24 | $12.6B | $1.2B | ||
| Q3 24 | $12.6B | $1.3B | ||
| Q2 24 | $12.6B | $1.3B | ||
| Q1 24 | $12.6B | $1.4B |
负债/权益比KMPRREVG
| 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 | $76.9M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $53.7M |
| 自由现金流率自由现金流/营收 | 14.7% | 8.1% |
| 资本支出强度资本支出/营收 | 0.8% | 3.5% |
| 现金转化率经营现金流/净利润 | — | 2.66× |
| 过去12个月自由现金流最近4个季度 | $553.9M | $190.0M |
8季度趋势，按日历期对齐
经营现金流KMPRREVG
| Q4 25 | $175.0M | $76.9M | ||
| Q3 25 | $139.9M | $60.3M | ||
| Q2 25 | $89.6M | $117.0M | ||
| Q1 25 | $180.0M | $-13.1M | ||
| Q4 24 | $175.1M | $68.6M | ||
| Q3 24 | $141.9M | $14.4M | ||
| Q2 24 | $22.9M | $40.1M | ||
| Q1 24 | $43.0M | $-69.7M |
自由现金流KMPRREVG
| Q4 25 | $166.2M | $53.7M | ||
| Q3 25 | $133.4M | $48.7M | ||
| Q2 25 | $82.0M | $105.6M | ||
| Q1 25 | $172.3M | $-18.0M | ||
| Q4 24 | $165.4M | $63.3M | ||
| Q3 24 | $131.4M | $8.5M | ||
| Q2 24 | $5.2M | $34.2M | ||
| Q1 24 | $27.7M | $-80.2M |
自由现金流率KMPRREVG
| Q4 25 | 14.7% | 8.1% | ||
| Q3 25 | 10.8% | 7.6% | ||
| Q2 25 | 6.7% | 16.8% | ||
| Q1 25 | 14.4% | -3.4% | ||
| Q4 24 | 13.9% | 10.6% | ||
| Q3 24 | 11.1% | 1.5% | ||
| Q2 24 | 0.5% | 5.5% | ||
| Q1 24 | 2.4% | -13.7% |
资本支出强度KMPRREVG
| Q4 25 | 0.8% | 3.5% | ||
| Q3 25 | 0.5% | 1.8% | ||
| Q2 25 | 0.6% | 1.8% | ||
| Q1 25 | 0.6% | 0.9% | ||
| Q4 24 | 0.8% | 0.9% | ||
| Q3 24 | 0.9% | 1.0% | ||
| Q2 24 | 1.6% | 1.0% | ||
| Q1 24 | 1.3% | 1.8% |
现金转化率KMPRREVG
| Q4 25 | — | 2.66× | ||
| Q3 25 | — | 2.07× | ||
| Q2 25 | 1.23× | 6.16× | ||
| Q1 25 | 1.81× | -0.72× | ||
| Q4 24 | 1.80× | 1.65× | ||
| Q3 24 | 1.93× | 0.80× | ||
| Q2 24 | 0.30× | 2.64× | ||
| Q1 24 | 0.60× | -0.38× |
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% |
REVG
| Specialty Vehicles | $507.4M | 76% |
| Recreational Vehicles | $157.2M | 24% |
