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KEMPER Corp（KMPR）与Roper Technologies（ROP）财务数据对比。点击上方公司名可切换其他公司
Roper Technologies的季度营收约是KEMPER Corp的1.9倍（$2.1B vs $1.1B），Roper Technologies净利率更高（15.8% vs -0.7%，领先16.5%），Roper Technologies同比增速更快（11.3% vs -4.7%），Roper Technologies自由现金流更多（$507.0M vs $166.2M），过去两年Roper Technologies的营收复合增速更高（10.5% 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。
罗珀技术公司是一家专注于科技领域的控股企业，通过持有并运营多家不同细分赛道的科技公司，在科技产业投资与资产管理领域形成了成熟的业务体系，在全球相关市场具备较高的行业影响力。
KMPR vs ROP — 直观对比
营收规模更大
ROP
是对方的1.9倍
$1.1B
营收增速更快
ROP
高出16.0%
-4.7%
净利率更高
ROP
高出16.5%
-0.7%
自由现金流更多
ROP
多$340.8M
$166.2M
两年增速更快
ROP
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $2.1B |
| 净利润 | $-8.0M | $331.0M |
| 毛利率 | — | 69.4% |
| 营业利润率 | — | 27.2% |
| 净利率 | -0.7% | 15.8% |
| 营收同比 | -4.7% | 11.3% |
| 净利润同比 | -108.2% | 53.7% |
| 每股收益（稀释后） | $-0.03 | $4.87 |
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KMPRROP
| Q1 26 | — | $2.1B | ||
| Q4 25 | $1.1B | $2.1B | ||
| Q3 25 | $1.2B | $2.0B | ||
| Q2 25 | $1.2B | $1.9B | ||
| Q1 25 | $1.2B | $1.9B | ||
| Q4 24 | $1.2B | $1.9B | ||
| Q3 24 | $1.2B | $1.8B | ||
| Q2 24 | $1.1B | $1.7B |
净利润KMPRROP
| Q1 26 | — | $331.0M | ||
| Q4 25 | $-8.0M | $428.4M | ||
| Q3 25 | $-21.0M | $398.5M | ||
| Q2 25 | $72.6M | $378.3M | ||
| Q1 25 | $99.7M | $331.1M | ||
| Q4 24 | $97.4M | $462.3M | ||
| Q3 24 | $73.7M | $367.9M | ||
| Q2 24 | $75.4M | $337.1M |
毛利率KMPRROP
| Q1 26 | — | 69.4% | ||
| Q4 25 | — | 69.5% | ||
| Q3 25 | — | 69.5% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 68.7% | ||
| Q4 24 | — | 68.3% | ||
| Q3 24 | — | 69.2% | ||
| Q2 24 | — | 69.5% |
营业利润率KMPRROP
| Q1 26 | — | 27.2% | ||
| Q4 25 | — | 28.6% | ||
| Q3 25 | — | 28.4% | ||
| Q2 25 | — | 28.2% | ||
| Q1 25 | — | 27.9% | ||
| Q4 24 | — | 28.0% | ||
| Q3 24 | 11.2% | 28.1% | ||
| Q2 24 | 10.1% | 28.8% |
净利率KMPRROP
| Q1 26 | — | 15.8% | ||
| Q4 25 | -0.7% | 20.8% | ||
| Q3 25 | -1.7% | 19.8% | ||
| Q2 25 | 5.9% | 19.5% | ||
| Q1 25 | 8.4% | 17.6% | ||
| Q4 24 | 8.2% | 24.6% | ||
| Q3 24 | 6.3% | 20.8% | ||
| Q2 24 | 6.7% | 19.6% |
每股收益（稀释后）KMPRROP
| Q1 26 | — | $4.87 | ||
| Q4 25 | $-0.03 | $3.97 | ||
| Q3 25 | $-0.34 | $3.68 | ||
| Q2 25 | $1.12 | $3.49 | ||
| Q1 25 | $1.54 | $3.06 | ||
| Q4 24 | $1.51 | $4.29 | ||
| Q3 24 | $1.14 | $3.40 | ||
| Q2 24 | $1.16 | $3.12 |
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 | — | $382.9M |
| 总债务越低越好 | $943.5M | $9.7B |
| 股东权益账面价值 | $2.7B | $18.8B |
| 总资产 | $12.5B | $34.6B |
| 负债/权益比越低杠杆越低 | 0.35× | 0.52× |
8季度趋势，按日历期对齐
现金及短期投资KMPRROP
| Q1 26 | — | $382.9M | ||
| Q4 25 | — | $297.4M | ||
| Q3 25 | $371.2M | $320.0M | ||
| Q2 25 | $407.6M | $242.4M | ||
| Q1 25 | $545.3M | $372.8M | ||
| Q4 24 | $1.0B | $188.2M | ||
| Q3 24 | $696.9M | $269.6M | ||
| Q2 24 | $539.1M | $251.5M |
总债务KMPRROP
| Q1 26 | — | $9.7B | ||
| Q4 25 | $943.5M | $9.3B | ||
| Q3 25 | $943.1M | — | ||
| Q2 25 | $942.6M | — | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | $7.6B | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — |
股东权益KMPRROP
| Q1 26 | — | $18.8B | ||
| Q4 25 | $2.7B | $19.9B | ||
| Q3 25 | $2.7B | $20.0B | ||
| Q2 25 | $370.0M | $19.6B | ||
| Q1 25 | $366.0M | $19.2B | ||
| Q4 24 | $2.8B | $18.9B | ||
| Q3 24 | $2.8B | $18.5B | ||
| Q2 24 | $358.0M | $18.1B |
总资产KMPRROP
| Q1 26 | — | $34.6B | ||
| Q4 25 | $12.5B | $34.6B | ||
| Q3 25 | $12.4B | $34.6B | ||
| Q2 25 | $12.6B | $33.2B | ||
| Q1 25 | $12.5B | $31.4B | ||
| Q4 24 | $12.6B | $31.3B | ||
| Q3 24 | $12.6B | $31.6B | ||
| Q2 24 | $12.6B | $29.8B |
负债/权益比KMPRROP
| Q1 26 | — | 0.52× | ||
| Q4 25 | 0.35× | 0.47× | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 2.55× | — | ||
| Q1 25 | 2.57× | — | ||
| Q4 24 | 0.50× | 0.40× | ||
| Q3 24 | 0.50× | — | ||
| Q2 24 | 3.88× | — |
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 | $507.0M |
| 自由现金流率自由现金流/营收 | 14.7% | 24.2% |
| 资本支出强度资本支出/营收 | 0.8% | 0.5% |
| 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KMPRROP
| Q1 26 | — | — | ||
| Q4 25 | $175.0M | $738.0M | ||
| Q3 25 | $139.9M | $869.5M | ||
| Q2 25 | $89.6M | $404.1M | ||
| Q1 25 | $180.0M | $528.7M | ||
| Q4 24 | $175.1M | $722.2M | ||
| Q3 24 | $141.9M | $755.4M | ||
| Q2 24 | $22.9M | $384.1M |
自由现金流KMPRROP
| Q1 26 | — | $507.0M | ||
| Q4 25 | $166.2M | — | ||
| Q3 25 | $133.4M | — | ||
| Q2 25 | $82.0M | — | ||
| Q1 25 | $172.3M | — | ||
| Q4 24 | $165.4M | — | ||
| Q3 24 | $131.4M | — | ||
| Q2 24 | $5.2M | — |
自由现金流率KMPRROP
| Q1 26 | — | 24.2% | ||
| Q4 25 | 14.7% | — | ||
| Q3 25 | 10.8% | — | ||
| Q2 25 | 6.7% | — | ||
| Q1 25 | 14.4% | — | ||
| Q4 24 | 13.9% | — | ||
| Q3 24 | 11.1% | — | ||
| Q2 24 | 0.5% | — |
资本支出强度KMPRROP
| Q1 26 | — | 0.5% | ||
| Q4 25 | 0.8% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.8% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | 1.6% | — |
现金转化率KMPRROP
| Q1 26 | — | — | ||
| Q4 25 | — | 1.72× | ||
| Q3 25 | — | 2.18× | ||
| Q2 25 | 1.23× | 1.07× | ||
| Q1 25 | 1.81× | 1.60× | ||
| Q4 24 | 1.80× | 1.56× | ||
| Q3 24 | 1.93× | 2.05× | ||
| Q2 24 | 0.30× | 1.14× |
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% |
ROP
暂无分部数据
