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KEMPER Corp（KMPR）与瑞思迈（RMD）财务数据对比。点击上方公司名可切换其他公司
瑞思迈的季度营收约是KEMPER Corp的1.3倍（$1.4B vs $1.1B），瑞思迈净利率更高（27.6% vs -0.7%，领先28.3%），瑞思迈同比增速更快（11.0% vs -4.7%），过去两年瑞思迈的营收复合增速更高（7.9% 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。
瑞思迈是一家起源于澳大利亚、总部位于美国加利福尼亚州圣迭戈的医疗设备企业，主打可接入云端的呼吸类医疗设备，用于治疗睡眠呼吸暂停、慢性阻塞性肺病等呼吸道疾病，新冠疫情期间曾大量生产呼吸机等设备助力患者救治。
KMPR vs RMD — 直观对比
营收规模更大
RMD
是对方的1.3倍
$1.1B
营收增速更快
RMD
高出15.6%
-4.7%
净利率更高
RMD
高出28.3%
-0.7%
两年增速更快
RMD
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.4B |
| 净利润 | $-8.0M | $392.6M |
| 毛利率 | — | 61.8% |
| 营业利润率 | — | 34.6% |
| 净利率 | -0.7% | 27.6% |
| 营收同比 | -4.7% | 11.0% |
| 净利润同比 | -108.2% | 13.9% |
| 每股收益（稀释后） | $-0.03 | $2.68 |
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KMPRRMD
| Q2 26 | — | $1.4B | ||
| Q4 25 | $1.1B | $1.4B | ||
| Q3 25 | $1.2B | $1.3B | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $1.2B | $1.3B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.1B | $1.2B |
净利润KMPRRMD
| Q2 26 | — | $392.6M | ||
| Q4 25 | $-8.0M | $392.6M | ||
| Q3 25 | $-21.0M | $348.5M | ||
| Q2 25 | $72.6M | $379.7M | ||
| Q1 25 | $99.7M | $365.0M | ||
| Q4 24 | $97.4M | $344.6M | ||
| Q3 24 | $73.7M | $311.4M | ||
| Q2 24 | $75.4M | $292.2M |
毛利率KMPRRMD
| Q2 26 | — | 61.8% | ||
| Q4 25 | — | 61.8% | ||
| Q3 25 | — | 61.5% | ||
| Q2 25 | — | 60.8% | ||
| Q1 25 | — | 59.3% | ||
| Q4 24 | — | 58.6% | ||
| Q3 24 | — | 58.6% | ||
| Q2 24 | — | 58.5% |
营业利润率KMPRRMD
| Q2 26 | — | 34.6% | ||
| Q4 25 | — | 34.6% | ||
| Q3 25 | — | 33.4% | ||
| Q2 25 | — | 33.7% | ||
| Q1 25 | — | 33.0% | ||
| Q4 24 | — | 32.5% | ||
| Q3 24 | 11.2% | 31.6% | ||
| Q2 24 | 10.1% | 31.2% |
净利率KMPRRMD
| Q2 26 | — | 27.6% | ||
| Q4 25 | -0.7% | 27.6% | ||
| Q3 25 | -1.7% | 26.1% | ||
| Q2 25 | 5.9% | 28.2% | ||
| Q1 25 | 8.4% | 28.3% | ||
| Q4 24 | 8.2% | 26.9% | ||
| Q3 24 | 6.3% | 25.4% | ||
| Q2 24 | 6.7% | 23.9% |
每股收益（稀释后）KMPRRMD
| Q2 26 | — | $2.68 | ||
| Q4 25 | $-0.03 | $2.68 | ||
| Q3 25 | $-0.34 | $2.37 | ||
| Q2 25 | $1.12 | $2.58 | ||
| Q1 25 | $1.54 | $2.48 | ||
| Q4 24 | $1.51 | $2.34 | ||
| Q3 24 | $1.14 | $2.11 | ||
| Q2 24 | $1.16 | $1.97 |
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 | — | $1.4B |
| 总债务越低越好 | $943.5M | $663.8M |
| 股东权益账面价值 | $2.7B | $6.3B |
| 总资产 | $12.5B | $8.5B |
| 负债/权益比越低杠杆越低 | 0.35× | 0.11× |
8季度趋势，按日历期对齐
现金及短期投资KMPRRMD
| Q2 26 | — | $1.4B | ||
| Q4 25 | — | $1.4B | ||
| Q3 25 | $371.2M | $1.4B | ||
| Q2 25 | $407.6M | $1.2B | ||
| Q1 25 | $545.3M | $932.7M | ||
| Q4 24 | $1.0B | $521.9M | ||
| Q3 24 | $696.9M | $426.4M | ||
| Q2 24 | $539.1M | $238.4M |
总债务KMPRRMD
| Q2 26 | — | $663.8M | ||
| Q4 25 | $943.5M | $403.9M | ||
| Q3 25 | $943.1M | $408.7M | ||
| Q2 25 | $942.6M | $658.4M | ||
| Q1 25 | $942.1M | $663.1M | ||
| Q4 24 | $1.4B | $662.9M | ||
| Q3 24 | $1.4B | $667.6M | ||
| Q2 24 | $1.4B | $697.3M |
股东权益KMPRRMD
| Q2 26 | — | $6.3B | ||
| Q4 25 | $2.7B | $6.3B | ||
| Q3 25 | $2.7B | $6.1B | ||
| Q2 25 | $370.0M | $6.0B | ||
| Q1 25 | $366.0M | $5.5B | ||
| Q4 24 | $2.8B | $5.3B | ||
| Q3 24 | $2.8B | $5.2B | ||
| Q2 24 | $358.0M | $4.9B |
总资产KMPRRMD
| Q2 26 | — | $8.5B | ||
| Q4 25 | $12.5B | $8.5B | ||
| Q3 25 | $12.4B | $8.3B | ||
| Q2 25 | $12.6B | $8.2B | ||
| Q1 25 | $12.5B | $7.6B | ||
| Q4 24 | $12.6B | $7.1B | ||
| Q3 24 | $12.6B | $7.2B | ||
| Q2 24 | $12.6B | $6.9B |
负债/权益比KMPRRMD
| Q2 26 | — | 0.11× | ||
| Q4 25 | 0.35× | 0.06× | ||
| Q3 25 | 0.35× | 0.07× | ||
| Q2 25 | 2.55× | 0.11× | ||
| Q1 25 | 2.57× | 0.12× | ||
| Q4 24 | 0.50× | 0.13× | ||
| Q3 24 | 0.50× | 0.13× | ||
| Q2 24 | 3.88× | 0.14× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $166.2M | — |
| 自由现金流率自由现金流/营收 | 14.7% | — |
| 资本支出强度资本支出/营收 | 0.8% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流KMPRRMD
| Q2 26 | — | — | ||
| Q4 25 | $175.0M | $339.7M | ||
| Q3 25 | $139.9M | $457.3M | ||
| Q2 25 | $89.6M | $538.8M | ||
| Q1 25 | $180.0M | $578.7M | ||
| Q4 24 | $175.1M | $308.6M | ||
| Q3 24 | $141.9M | $325.5M | ||
| Q2 24 | $22.9M | $440.1M |
自由现金流KMPRRMD
| Q2 26 | — | — | ||
| Q4 25 | $166.2M | $311.2M | ||
| Q3 25 | $133.4M | $414.4M | ||
| Q2 25 | $82.0M | $508.2M | ||
| Q1 25 | $172.3M | $557.9M | ||
| Q4 24 | $165.4M | $288.0M | ||
| Q3 24 | $131.4M | $307.7M | ||
| Q2 24 | $5.2M | $415.2M |
自由现金流率KMPRRMD
| Q2 26 | — | — | ||
| Q4 25 | 14.7% | 21.9% | ||
| Q3 25 | 10.8% | 31.0% | ||
| Q2 25 | 6.7% | 37.7% | ||
| Q1 25 | 14.4% | 43.2% | ||
| Q4 24 | 13.9% | 22.5% | ||
| Q3 24 | 11.1% | 25.1% | ||
| Q2 24 | 0.5% | 33.9% |
资本支出强度KMPRRMD
| Q2 26 | — | — | ||
| Q4 25 | 0.8% | 2.0% | ||
| Q3 25 | 0.5% | 3.2% | ||
| Q2 25 | 0.6% | 2.3% | ||
| Q1 25 | 0.6% | 1.6% | ||
| Q4 24 | 0.8% | 1.6% | ||
| Q3 24 | 0.9% | 1.5% | ||
| Q2 24 | 1.6% | 2.0% |
现金转化率KMPRRMD
| Q2 26 | — | — | ||
| Q4 25 | — | 0.87× | ||
| Q3 25 | — | 1.31× | ||
| Q2 25 | 1.23× | 1.42× | ||
| Q1 25 | 1.81× | 1.59× | ||
| Q4 24 | 1.80× | 0.90× | ||
| Q3 24 | 1.93× | 1.05× | ||
| Q2 24 | 0.30× | 1.51× |
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% |
RMD
暂无分部数据
