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KEMPER Corp（KMPR）与RLI CORP（RLI）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RLI CORP的2.4倍（$1.1B vs $465.7M），RLI CORP净利率更高（19.6% vs -0.7%，领先20.3%），RLI CORP同比增速更快（6.1% vs -4.7%），KEMPER Corp自由现金流更多（$166.2M vs $155.0M），过去两年RLI CORP的营收复合增速更高（2.3% 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。
RLI Corp是一家总部位于美国伊利诺伊州皮奥里亚的专业保险公司，主营财产保险与意外伤害保险业务，深耕保险领域多年，凭借成熟的风险管控体系与定制化产品矩阵，为不同类型的客户提供全面可靠的风险保障服务。
KMPR vs RLI — 直观对比
营收规模更大
KMPR
是对方的2.4倍
$465.7M
营收增速更快
RLI
高出10.7%
-4.7%
净利率更高
RLI
高出20.3%
-0.7%
自由现金流更多
KMPR
多$11.2M
$155.0M
两年增速更快
RLI
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $465.7M |
| 净利润 | $-8.0M | $91.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 24.4% |
| 净利率 | -0.7% | 19.6% |
| 营收同比 | -4.7% | 6.1% |
| 净利润同比 | -108.2% | 123.1% |
| 每股收益（稀释后） | $-0.03 | $1.00 |
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KMPRRLI
| Q4 25 | $1.1B | $465.7M | ||
| Q3 25 | $1.2B | $509.3M | ||
| Q2 25 | $1.2B | $499.8M | ||
| Q1 25 | $1.2B | $407.7M | ||
| Q4 24 | $1.2B | $439.1M | ||
| Q3 24 | $1.2B | $470.0M | ||
| Q2 24 | $1.1B | $416.4M | ||
| Q1 24 | $1.1B | $444.8M |
净利润KMPRRLI
| Q4 25 | $-8.0M | $91.2M | ||
| Q3 25 | $-21.0M | $124.6M | ||
| Q2 25 | $72.6M | $124.3M | ||
| Q1 25 | $99.7M | $63.2M | ||
| Q4 24 | $97.4M | $40.9M | ||
| Q3 24 | $73.7M | $95.0M | ||
| Q2 24 | $75.4M | $82.0M | ||
| Q1 24 | $71.3M | $127.9M |
营业利润率KMPRRLI
| Q4 25 | — | 24.4% | ||
| Q3 25 | — | 30.9% | ||
| Q2 25 | — | 31.3% | ||
| Q1 25 | — | 19.3% | ||
| Q4 24 | — | 10.8% | ||
| Q3 24 | 11.2% | 24.9% | ||
| Q2 24 | 10.1% | 24.8% | ||
| Q1 24 | 7.6% | 36.0% |
净利率KMPRRLI
| Q4 25 | -0.7% | 19.6% | ||
| Q3 25 | -1.7% | 24.5% | ||
| Q2 25 | 5.9% | 24.9% | ||
| Q1 25 | 8.4% | 15.5% | ||
| Q4 24 | 8.2% | 9.3% | ||
| Q3 24 | 6.3% | 20.2% | ||
| Q2 24 | 6.7% | 19.7% | ||
| Q1 24 | 6.2% | 28.8% |
每股收益（稀释后）KMPRRLI
| Q4 25 | $-0.03 | $1.00 | ||
| Q3 25 | $-0.34 | $1.35 | ||
| Q2 25 | $1.12 | $1.34 | ||
| Q1 25 | $1.54 | $0.68 | ||
| Q4 24 | $1.51 | $-2.87 | ||
| Q3 24 | $1.14 | $2.06 | ||
| Q2 24 | $1.16 | $1.78 | ||
| Q1 24 | $1.10 | $2.77 |
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 | — | — |
| 总债务越低越好 | $943.5M | — |
| 股东权益账面价值 | $2.7B | $1.8B |
| 总资产 | $12.5B | $6.2B |
| 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KMPRRLI
| Q4 25 | — | — | ||
| Q3 25 | $371.2M | — | ||
| Q2 25 | $407.6M | — | ||
| Q1 25 | $545.3M | — | ||
| Q4 24 | $1.0B | — | ||
| Q3 24 | $696.9M | — | ||
| Q2 24 | $539.1M | — | ||
| Q1 24 | $520.7M | — |
总债务KMPRRLI
| Q4 25 | $943.5M | — | ||
| Q3 25 | $943.1M | $100.0M | ||
| Q2 25 | $942.6M | $100.0M | ||
| Q1 25 | $942.1M | $100.0M | ||
| Q4 24 | $1.4B | $100.0M | ||
| Q3 24 | $1.4B | $100.0M | ||
| Q2 24 | $1.4B | $100.0M | ||
| Q1 24 | $1.4B | $100.0M |
股东权益KMPRRLI
| Q4 25 | $2.7B | $1.8B | ||
| Q3 25 | $2.7B | $1.9B | ||
| Q2 25 | $370.0M | $1.7B | ||
| Q1 25 | $366.0M | $1.6B | ||
| Q4 24 | $2.8B | $1.5B | ||
| Q3 24 | $2.8B | $1.7B | ||
| Q2 24 | $358.0M | $1.6B | ||
| Q1 24 | $2.6B | $1.5B |
总资产KMPRRLI
| Q4 25 | $12.5B | $6.2B | ||
| Q3 25 | $12.4B | $6.2B | ||
| Q2 25 | $12.6B | $6.0B | ||
| Q1 25 | $12.5B | $5.7B | ||
| Q4 24 | $12.6B | $5.6B | ||
| Q3 24 | $12.6B | $5.8B | ||
| Q2 24 | $12.6B | $5.5B | ||
| Q1 24 | $12.6B | $5.3B |
负债/权益比KMPRRLI
| Q4 25 | 0.35× | — | ||
| Q3 25 | 0.35× | 0.05× | ||
| Q2 25 | 2.55× | 0.06× | ||
| Q1 25 | 2.57× | 0.06× | ||
| Q4 24 | 0.50× | 0.07× | ||
| Q3 24 | 0.50× | 0.06× | ||
| Q2 24 | 3.88× | 0.06× | ||
| Q1 24 | 0.54× | 0.07× |
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 | $156.8M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $155.0M |
| 自由现金流率自由现金流/营收 | 14.7% | 33.3% |
| 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 | — | 1.72× |
| 过去12个月自由现金流最近4个季度 | $553.9M | $608.7M |
8季度趋势，按日历期对齐
经营现金流KMPRRLI
| Q4 25 | $175.0M | $156.8M | ||
| Q3 25 | $139.9M | $179.2M | ||
| Q2 25 | $89.6M | $174.7M | ||
| Q1 25 | $180.0M | $103.5M | ||
| Q4 24 | $175.1M | $128.1M | ||
| Q3 24 | $141.9M | $219.4M | ||
| Q2 24 | $22.9M | $141.8M | ||
| Q1 24 | $43.0M | $70.9M |
自由现金流KMPRRLI
| Q4 25 | $166.2M | $155.0M | ||
| Q3 25 | $133.4M | $177.8M | ||
| Q2 25 | $82.0M | $173.4M | ||
| Q1 25 | $172.3M | $102.5M | ||
| Q4 24 | $165.4M | $127.6M | ||
| Q3 24 | $131.4M | $219.0M | ||
| Q2 24 | $5.2M | $139.1M | ||
| Q1 24 | $27.7M | $69.9M |
自由现金流率KMPRRLI
| Q4 25 | 14.7% | 33.3% | ||
| Q3 25 | 10.8% | 34.9% | ||
| Q2 25 | 6.7% | 34.7% | ||
| Q1 25 | 14.4% | 25.1% | ||
| Q4 24 | 13.9% | 29.0% | ||
| Q3 24 | 11.1% | 46.6% | ||
| Q2 24 | 0.5% | 33.4% | ||
| Q1 24 | 2.4% | 15.7% |
资本支出强度KMPRRLI
| Q4 25 | 0.8% | 0.4% | ||
| Q3 25 | 0.5% | 0.3% | ||
| Q2 25 | 0.6% | 0.3% | ||
| Q1 25 | 0.6% | 0.3% | ||
| Q4 24 | 0.8% | 0.1% | ||
| Q3 24 | 0.9% | 0.1% | ||
| Q2 24 | 1.6% | 0.7% | ||
| Q1 24 | 1.3% | 0.2% |
现金转化率KMPRRLI
| Q4 25 | — | 1.72× | ||
| Q3 25 | — | 1.44× | ||
| Q2 25 | 1.23× | 1.41× | ||
| Q1 25 | 1.81× | 1.64× | ||
| Q4 24 | 1.80× | 3.13× | ||
| Q3 24 | 1.93× | 2.31× | ||
| Q2 24 | 0.30× | 1.73× | ||
| Q1 24 | 0.60× | 0.55× |
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% |
RLI
| Casualty Segment | $246.8M | 53% |
| Property Insurance Segment | $122.5M | 26% |
| Other | $59.3M | 13% |
| Surety Insurance Segment | $37.1M | 8% |
