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KEMPER Corp（KMPR）与Rivian Automotive, Inc.（RIVN）财务数据对比。点击上方公司名可切换其他公司
Rivian Automotive, Inc.的季度营收约是KEMPER Corp的1.1倍（$1.3B vs $1.1B），KEMPER Corp净利率更高（-0.7% vs -63.1%，领先62.4%），KEMPER Corp同比增速更快（-4.7% vs -25.8%），KEMPER Corp自由现金流更多（$166.2M vs $-1.1B），过去两年Rivian Automotive, Inc.的营收复合增速更高（3.3% 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。
Rivian Automotive是2009年成立的美国电动汽车制造商及汽车科技企业，主打基于自研滑板平台打造的电动SUV、皮卡及EDV电动配送货车，旗下R1T皮卡于2021年末正式开启交付，还计划于2023年底前在美国和加拿大布局专属充电网络，其平台可适配新车型也可对外授权使用。
KMPR vs RIVN — 直观对比
营收规模更大
RIVN
是对方的1.1倍
$1.1B
营收增速更快
KMPR
高出21.2%
-25.8%
净利率更高
KMPR
高出62.4%
-63.1%
自由现金流更多
KMPR
多$1.3B
$-1.1B
两年增速更快
RIVN
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.3B |
| 净利润 | $-8.0M | $-811.0M |
| 毛利率 | — | 9.3% |
| 营业利润率 | — | -64.8% |
| 净利率 | -0.7% | -63.1% |
| 营收同比 | -4.7% | -25.8% |
| 净利润同比 | -108.2% | -9.0% |
| 每股收益（稀释后） | $-0.03 | $-0.66 |
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KMPRRIVN
| Q4 25 | $1.1B | $1.3B | ||
| Q3 25 | $1.2B | $1.6B | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $1.2B | $1.2B | ||
| Q4 24 | $1.2B | $1.7B | ||
| Q3 24 | $1.2B | $874.0M | ||
| Q2 24 | $1.1B | $1.2B | ||
| Q1 24 | $1.1B | $1.2B |
净利润KMPRRIVN
| Q4 25 | $-8.0M | $-811.0M | ||
| Q3 25 | $-21.0M | $-1.2B | ||
| Q2 25 | $72.6M | $-1.1B | ||
| Q1 25 | $99.7M | $-545.0M | ||
| Q4 24 | $97.4M | $-744.0M | ||
| Q3 24 | $73.7M | $-1.1B | ||
| Q2 24 | $75.4M | $-1.5B | ||
| Q1 24 | $71.3M | $-1.4B |
毛利率KMPRRIVN
| Q4 25 | — | 9.3% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | -15.8% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 9.8% | ||
| Q3 24 | — | -44.9% | ||
| Q2 24 | — | -38.9% | ||
| Q1 24 | — | -43.8% |
营业利润率KMPRRIVN
| Q4 25 | — | -64.8% | ||
| Q3 25 | — | -63.1% | ||
| Q2 25 | — | -85.5% | ||
| Q1 25 | — | -52.8% | ||
| Q4 24 | — | -38.1% | ||
| Q3 24 | 11.2% | -133.8% | ||
| Q2 24 | 10.1% | -118.7% | ||
| Q1 24 | 7.6% | -123.3% |
净利率KMPRRIVN
| Q4 25 | -0.7% | -63.1% | ||
| Q3 25 | -1.7% | -75.3% | ||
| Q2 25 | 5.9% | -85.7% | ||
| Q1 25 | 8.4% | -44.0% | ||
| Q4 24 | 8.2% | -42.9% | ||
| Q3 24 | 6.3% | -125.9% | ||
| Q2 24 | 6.7% | -125.8% | ||
| Q1 24 | 6.2% | -120.1% |
每股收益（稀释后）KMPRRIVN
| Q4 25 | $-0.03 | $-0.66 | ||
| Q3 25 | $-0.34 | $-0.96 | ||
| Q2 25 | $1.12 | $-0.97 | ||
| Q1 25 | $1.54 | $-0.48 | ||
| Q4 24 | $1.51 | $-0.67 | ||
| Q3 24 | $1.14 | $-1.08 | ||
| Q2 24 | $1.16 | $-1.46 | ||
| Q1 24 | $1.10 | $-1.48 |
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 | — | $6.1B |
| 总债务越低越好 | $943.5M | — |
| 股东权益账面价值 | $2.7B | $4.6B |
| 总资产 | $12.5B | $14.9B |
| 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KMPRRIVN
| Q4 25 | — | $6.1B | ||
| Q3 25 | $371.2M | $7.1B | ||
| Q2 25 | $407.6M | $7.5B | ||
| Q1 25 | $545.3M | $7.2B | ||
| Q4 24 | $1.0B | $7.7B | ||
| Q3 24 | $696.9M | $6.7B | ||
| Q2 24 | $539.1M | $7.9B | ||
| Q1 24 | $520.7M | $7.9B |
总债务KMPRRIVN
| 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 | $5.5B | ||
| Q1 24 | $1.4B | $4.4B |
股东权益KMPRRIVN
| Q4 25 | $2.7B | $4.6B | ||
| Q3 25 | $2.7B | $5.1B | ||
| Q2 25 | $370.0M | $6.1B | ||
| Q1 25 | $366.0M | $6.2B | ||
| Q4 24 | $2.8B | $6.6B | ||
| Q3 24 | $2.8B | $5.9B | ||
| Q2 24 | $358.0M | $6.8B | ||
| Q1 24 | $2.6B | $8.1B |
总资产KMPRRIVN
| Q4 25 | $12.5B | $14.9B | ||
| Q3 25 | $12.4B | $15.2B | ||
| Q2 25 | $12.6B | $15.6B | ||
| Q1 25 | $12.5B | $15.5B | ||
| Q4 24 | $12.6B | $15.4B | ||
| Q3 24 | $12.6B | $14.3B | ||
| Q2 24 | $12.6B | $15.4B | ||
| Q1 24 | $12.6B | $15.7B |
负债/权益比KMPRRIVN
| 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× | 0.81× | ||
| Q1 24 | 0.54× | 0.55× |
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 | $-681.0M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $-1.1B |
| 自由现金流率自由现金流/营收 | 14.7% | -89.0% |
| 资本支出强度资本支出/营收 | 0.8% | 36.0% |
| 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 | $-2.5B |
8季度趋势，按日历期对齐
经营现金流KMPRRIVN
| Q4 25 | $175.0M | $-681.0M | ||
| Q3 25 | $139.9M | $26.0M | ||
| Q2 25 | $89.6M | $64.0M | ||
| Q1 25 | $180.0M | $-188.0M | ||
| Q4 24 | $175.1M | $1.2B | ||
| Q3 24 | $141.9M | $-876.0M | ||
| Q2 24 | $22.9M | $-754.0M | ||
| Q1 24 | $43.0M | $-1.3B |
自由现金流KMPRRIVN
| Q4 25 | $166.2M | $-1.1B | ||
| Q3 25 | $133.4M | $-421.0M | ||
| Q2 25 | $82.0M | $-398.0M | ||
| Q1 25 | $172.3M | $-526.0M | ||
| Q4 24 | $165.4M | $856.0M | ||
| Q3 24 | $131.4M | $-1.2B | ||
| Q2 24 | $5.2M | $-1.0B | ||
| Q1 24 | $27.7M | $-1.5B |
自由现金流率KMPRRIVN
| Q4 25 | 14.7% | -89.0% | ||
| Q3 25 | 10.8% | -27.0% | ||
| Q2 25 | 6.7% | -30.5% | ||
| Q1 25 | 14.4% | -42.4% | ||
| Q4 24 | 13.9% | 49.4% | ||
| Q3 24 | 11.1% | -131.9% | ||
| Q2 24 | 0.5% | -89.6% | ||
| Q1 24 | 2.4% | -126.5% |
资本支出强度KMPRRIVN
| Q4 25 | 0.8% | 36.0% | ||
| Q3 25 | 0.5% | 28.7% | ||
| Q2 25 | 0.6% | 35.5% | ||
| Q1 25 | 0.6% | 27.3% | ||
| Q4 24 | 0.8% | 18.9% | ||
| Q3 24 | 0.9% | 31.7% | ||
| Q2 24 | 1.6% | 24.4% | ||
| Q1 24 | 1.3% | 21.1% |
现金转化率KMPRRIVN
| 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% |
RIVN
| Automotive Segment | $839.0M | 65% |
| Software And Services Segment | $447.0M | 35% |
| Regulatory Credits | $30.0M | 2% |
